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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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US ALLIANCE CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
US ALLIANCE CREDIT UNION |
| Address | 1499 WYNKOOP, SUITE 100
DENVER, CO 80202 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 63 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $7,623,000 |
| Average Mortgage Loan Amount Applied For | $103,076 |
| Highest Mortgage Loan Amount Applied For | $528,000 |
| Average Applicant Income | $78,230 |
| Highest Applicant Income | $228,000 |
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| Home Improvement |
20 | $1,005,000 |
$50,000 | $170,000 |
$69,000 | $152,000 |
| Home Purchase |
19 | $3,421,000 |
$180,000 | $528,000 |
$88,000 | $180,000 |
| Refinancing |
24 | $3,197,000 |
$133,000 | $362,000 |
$76,000 | $228,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $182,000 |
$91,000 | $170,000 |
$39,000 | $55,000 |
| Black or African American |
2 | $144,000 |
$72,000 | $137,000 |
$95,000 | $137,000 |
| Hispanic |
12 | $1,535,000 |
$127,000 | $302,000 |
$65,000 | $103,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $47,000 |
$47,000 | $47,000 |
$32,000 | $32,000 |
| White |
46 | $5,715,000 |
$124,000 | $528,000 |
$82,000 | $228,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
63 | $7,623,000 |
$121,000 | $528,000 |
$77,000 | $228,000 |
| 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 |
2 | $354,000 |
$177,000 | $260,000 |
$110,000 | $112,000 |
| Application Denied By Financial Institution |
6 | $724,000 |
$120,000 | $262,000 |
$53,000 | $68,000 |
| Application Withdrawn By Applicant |
10 | $1,079,000 |
$107,000 | $250,000 |
$63,000 | $137,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
45 | $5,466,000 |
$121,000 | $528,000 |
$82,000 | $228,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
2 | $213,000 |
$106,000 | $194,000 |
$56,000 | $59,000 |
| Debt-To-Income Ratio |
3 | $504,000 |
$168,000 | $262,000 |
$52,000 | $68,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for US ALLIANCE CREDIT UNION by:
Metropolitan Area And
County
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