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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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VALERO FEDERAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
VALERO FEDERAL CREDIT UNION |
| Address | P.O. BOX 696000
SAN ANTONIO, TX 78216-6000 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 29 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $3,378,000 |
| Average Mortgage Loan Amount Applied For | $122,750 |
| Highest Mortgage Loan Amount Applied For | $723,000 |
| Average Applicant Income | $117,500 |
| Highest Applicant Income | $395,000 |
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| Home Improvement |
12 | $1,118,000 |
$93,000 | $723,000 |
$159,000 | $395,000 |
| Home Purchase |
24 | $2,949,000 |
$122,000 | $247,000 |
$96,000 | $236,000 |
| Refinancing |
1 | $345,000 |
$345,000 | $345,000 |
$149,000 | $149,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
5 | $455,000 |
$91,000 | $161,000 |
$82,000 | $108,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
4 | $387,000 |
$96,000 | $166,000 |
$85,000 | $123,000 |
| White |
28 | $3,570,000 |
$127,000 | $723,000 |
$128,000 | $395,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
37 | $4,412,000 |
$119,000 | $723,000 |
$117,000 | $395,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
31 | $3,673,000 |
$118,000 | $723,000 |
$124,000 | $395,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
6 | $739,000 |
$123,000 | $171,000 |
$84,000 | $119,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for VALERO FEDERAL CREDIT UNION by:
Metropolitan Area And
County
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