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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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UTAH POWER CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
UTAH POWER CREDIT UNION |
| Address | 1407 W NORTH TEMPLE 120C
SALT LAKE CITY, UT 84116 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 281 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $30,539,000 |
| Average Mortgage Loan Amount Applied For | $116,615 |
| Highest Mortgage Loan Amount Applied For | $584,000 |
| Average Applicant Income | $77,615 |
| Highest Applicant Income | $360,000 |
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| Home Improvement |
113 | $5,768,000 |
$51,000 | $410,000 |
$85,000 | $307,000 |
| Home Purchase |
104 | $15,922,000 |
$153,000 | $584,000 |
$78,000 | $265,000 |
| Refinancing |
64 | $8,849,000 |
$138,000 | $344,000 |
$73,000 | $360,000 |
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| American Indian or Alaskan Native |
1 | $16,000 |
$16,000 | $16,000 |
$56,000 | $56,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
1 | $136,000 |
$136,000 | $136,000 |
$76,000 | $76,000 |
| Hispanic |
3 | $262,000 |
$87,000 | $200,000 |
$51,000 | $82,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
62 | $6,284,000 |
$101,000 | $415,000 |
$82,000 | $307,000 |
| White |
214 | $23,841,000 |
$111,000 | $584,000 |
$80,000 | $360,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
281 | $30,539,000 |
$108,000 | $584,000 |
$80,000 | $360,000 |
| 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 |
1 | $15,000 |
$15,000 | $15,000 |
$73,000 | $73,000 |
| Application Denied By Financial Institution |
12 | $628,000 |
$52,000 | $105,000 |
$55,000 | $80,000 |
| Application Withdrawn By Applicant |
6 | $711,000 |
$118,000 | $309,000 |
$52,000 | $104,000 |
| File Closed For Incompleteness |
3 | $315,000 |
$105,000 | $165,000 |
$73,000 | $119,000 |
| Loan Originated |
259 | $28,870,000 |
$111,000 | $584,000 |
$82,000 | $360,000 |
| 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 |
1 | $105,000 |
$105,000 | $105,000 |
$61,000 | $61,000 |
| Debt-To-Income Ratio |
11 | $523,000 |
$47,000 | $100,000 |
$54,000 | $80,000 |
| 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 UTAH POWER CREDIT UNION by:
Metropolitan Area And
County
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