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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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USF FEDERAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
USF FEDERAL CREDIT UNION |
| Address | 13302 N USF PALM DRIVE
TAMPA, FL 33612 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 289 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $34,618,000 |
| Average Mortgage Loan Amount Applied For | $93,600 |
| Highest Mortgage Loan Amount Applied For | $417,000 |
| Average Applicant Income | $79,900 |
| Highest Applicant Income | $427,000 |
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| Home Improvement |
85 | $3,028,000 |
$35,000 | $160,000 |
$73,000 | $187,000 |
| Home Purchase |
89 | $12,189,000 |
$136,000 | $417,000 |
$76,000 | $216,000 |
| Refinancing |
120 | $20,452,000 |
$170,000 | $417,000 |
$92,000 | $427,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
11 | $1,447,000 |
$131,000 | $407,000 |
$85,000 | $206,000 |
| Black or African American |
30 | $3,685,000 |
$122,000 | $417,000 |
$70,000 | $216,000 |
| Hispanic |
34 | $4,928,000 |
$144,000 | $287,000 |
$94,000 | $356,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
29 | $2,265,000 |
$78,000 | $285,000 |
$83,000 | $187,000 |
| White |
190 | $23,344,000 |
$122,000 | $417,000 |
$81,000 | $427,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
294 | $35,669,000 |
$121,000 | $417,000 |
$82,000 | $427,000 |
| 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 |
13 | $2,558,000 |
$196,000 | $417,000 |
$98,000 | $336,000 |
| Application Denied By Financial Institution |
39 | $5,166,000 |
$132,000 | $285,000 |
$59,000 | $114,000 |
| Application Withdrawn By Applicant |
10 | $871,000 |
$87,000 | $295,000 |
$79,000 | $157,000 |
| File Closed For Incompleteness |
2 | $175,000 |
$87,000 | $119,000 |
$30,000 | $38,000 |
| Loan Originated |
225 | $25,848,000 |
$114,000 | $417,000 |
$85,000 | $427,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
5 | $1,051,000 |
$210,000 | $417,000 |
$88,000 | $216,000 |
| 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 |
24 | $3,169,000 |
$132,000 | $285,000 |
$62,000 | $114,000 |
| Debt-To-Income Ratio |
10 | $1,059,000 |
$105,000 | $240,000 |
$51,000 | $90,000 |
| 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 |
2 | $435,000 |
$217,000 | $275,000 |
$22,000 | $35,000 |
| Unverifiable Information |
3 | $503,000 |
$167,000 | $190,000 |
$81,000 | $100,000 |
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Mortgage Loan App Totals for USF FEDERAL CREDIT UNION by:
Metropolitan Area And
County
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