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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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UNIVERSAL FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
UNIVERSAL FCU |
| Address | 317 - 31ST STREET
HUNTINGTON, WV 25702 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 76 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,054,000 |
| Average Mortgage Loan Amount Applied For | $57,125 |
| Highest Mortgage Loan Amount Applied For | $554,000 |
| Average Applicant Income | $66,625 |
| Highest Applicant Income | $240,000 |
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| Home Improvement |
12 | $617,000 |
$51,000 | $135,000 |
$71,000 | $130,000 |
| Home Purchase |
11 | $444,000 |
$40,000 | $80,000 |
$45,000 | $92,000 |
| Refinancing |
56 | $3,067,000 |
$54,000 | $554,000 |
$73,000 | $240,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
3 | $183,000 |
$61,000 | $75,000 |
$91,000 | $141,000 |
| Hispanic |
1 | $66,000 |
$66,000 | $66,000 |
$130,000 | $130,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
75 | $3,879,000 |
$51,000 | $554,000 |
$67,000 | $240,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
79 | $4,128,000 |
$52,000 | $554,000 |
$69,000 | $240,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
6 | $234,000 |
$39,000 | $85,000 |
$44,000 | $105,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
73 | $3,894,000 |
$53,000 | $554,000 |
$71,000 | $240,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
1 | $85,000 |
$85,000 | $85,000 |
$105,000 | $105,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $74,000 |
$24,000 | $35,000 |
$33,000 | $43,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $60,000 |
$60,000 | $60,000 |
$18,000 | $18,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for UNIVERSAL FCU by:
Metropolitan Area And
County
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