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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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VALLEY COMMUNITIES CREDIT UNIO
Mortgage Loans and Application Details
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| Mortgage Company Name |
VALLEY COMMUNITIES CREDIT UNIO |
| Address | 1105 WESTERN AVE
MOSINEE, WI 54455 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 73 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,293,000 |
| Average Mortgage Loan Amount Applied For | $83,800 |
| Highest Mortgage Loan Amount Applied For | $401,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $100,000 |
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| Home Improvement |
25 | $1,576,000 |
$63,000 | $255,000 |
$56,000 | $86,000 |
| Home Purchase |
23 | $2,553,000 |
$111,000 | $252,000 |
$58,000 | $100,000 |
| Refinancing |
26 | $2,309,000 |
$88,000 | $401,000 |
$60,000 | $100,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $40,000 |
$40,000 | $40,000 |
$35,000 | $35,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
73 | $6,398,000 |
$87,000 | $401,000 |
$58,000 | $100,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
74 | $6,438,000 |
$87,000 | $401,000 |
$58,000 | $100,000 |
| 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 | $210,000 |
$105,000 | $130,000 |
$80,000 | $85,000 |
| Application Denied By Financial Institution |
3 | $356,000 |
$118,000 | $161,000 |
$32,000 | $49,000 |
| Application Withdrawn By Applicant |
2 | $95,000 |
$47,000 | $70,000 |
$39,000 | $60,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
67 | $5,777,000 |
$86,000 | $401,000 |
$59,000 | $100,000 |
| 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 |
1 | $161,000 |
$161,000 | $161,000 |
$23,000 | $23,000 |
| Credit History |
1 | $50,000 |
$50,000 | $50,000 |
$49,000 | $49,000 |
| Debt-To-Income Ratio |
1 | $145,000 |
$145,000 | $145,000 |
$25,000 | $25,000 |
| 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 VALLEY COMMUNITIES CREDIT UNIO by:
Metropolitan Area And
County
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