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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 COMMUNITY CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
US COMMUNITY CREDIT UNION |
| Address | 125 8TH AVENUE SOUTH
NASHVILLE, TN 37203 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 75 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,658,000 |
| Average Mortgage Loan Amount Applied For | $67,000 |
| Highest Mortgage Loan Amount Applied For | $350,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $276,000 |
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| Home Improvement |
37 | $1,288,000 |
$34,000 | $130,000 |
$76,000 | $233,000 |
| Home Purchase |
12 | $1,841,000 |
$153,000 | $350,000 |
$51,000 | $119,000 |
| Refinancing |
26 | $1,529,000 |
$58,000 | $236,000 |
$77,000 | $276,000 |
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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 |
24 | $1,808,000 |
$75,000 | $340,000 |
$63,000 | $276,000 |
| Hispanic |
2 | $156,000 |
$78,000 | $100,000 |
$68,000 | $112,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $67,000 |
$67,000 | $67,000 |
$52,000 | $52,000 |
| White |
48 | $2,627,000 |
$54,000 | $350,000 |
$78,000 | $233,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
75 | $4,658,000 |
$62,000 | $350,000 |
$73,000 | $276,000 |
| 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 |
16 | $1,836,000 |
$114,000 | $340,000 |
$57,000 | $276,000 |
| Application Withdrawn By Applicant |
1 | $92,000 |
$92,000 | $92,000 |
$41,000 | $41,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
58 | $2,730,000 |
$47,000 | $350,000 |
$77,000 | $233,000 |
| 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 |
14 | $1,420,000 |
$101,000 | $236,000 |
$58,000 | $276,000 |
| Debt-To-Income Ratio |
2 | $416,000 |
$208,000 | $340,000 |
$57,000 | $87,000 |
| 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 COMMUNITY CREDIT UNION by:
Metropolitan Area And
County
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