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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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VENTURA COUNTY CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
VENTURA COUNTY CREDIT UNION |
| Address | 6026 TELEPHONE ROAD
VENTURA, CA 93003 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 548 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $82,203,000 |
| Average Mortgage Loan Amount Applied For | $151,571 |
| Highest Mortgage Loan Amount Applied For | $970,000 |
| Average Applicant Income | $127,428 |
| Highest Applicant Income | $1,718,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
13 | $4,174,000 |
$321,000 | $484,000 |
$94,000 | $236,000 |
| Refinancing |
541 | $80,019,000 |
$147,000 | $970,000 |
$113,000 | $1,718,000 |
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| American Indian or Alaskan Native |
3 | $974,000 |
$324,000 | $558,000 |
$167,000 | $172,000 |
| Asian |
12 | $2,226,000 |
$185,000 | $382,000 |
$112,000 | $227,000 |
| Black or African American |
1 | $212,000 |
$212,000 | $212,000 |
$353,000 | $353,000 |
| Hispanic |
110 | $13,901,000 |
$126,000 | $750,000 |
$82,000 | $317,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $50,000 |
$50,000 | $50,000 |
$92,000 | $92,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
318 | $50,973,000 |
$160,000 | $970,000 |
$121,000 | $647,000 |
| White |
109 | $15,857,000 |
$145,000 | $695,000 |
$115,000 | $1,718,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
554 | $84,193,000 |
$151,000 | $970,000 |
$112,000 | $1,718,000 |
| 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 | $3,409,000 |
$262,000 | $670,000 |
$96,000 | $206,000 |
| Application Denied By Financial Institution |
90 | $14,102,000 |
$156,000 | $970,000 |
$80,000 | $295,000 |
| Application Withdrawn By Applicant |
31 | $5,168,000 |
$166,000 | $750,000 |
$66,000 | $160,000 |
| File Closed For Incompleteness |
8 | $638,000 |
$79,000 | $200,000 |
$42,000 | $88,000 |
| Loan Originated |
411 | $60,540,000 |
$147,000 | $695,000 |
$125,000 | $1,718,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
1 | $336,000 |
$336,000 | $336,000 |
$84,000 | $84,000 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
7 | $1,076,000 |
$153,000 | $350,000 |
$119,000 | $295,000 |
| Credit Application Incomplete |
7 | $1,343,000 |
$191,000 | $569,000 |
$49,000 | $114,000 |
| Credit History |
10 | $1,500,000 |
$150,000 | $350,000 |
$68,000 | $129,000 |
| Debt-To-Income Ratio |
43 | $6,002,000 |
$139,000 | $625,000 |
$71,000 | $213,000 |
| 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 |
22 | $4,151,000 |
$188,000 | $970,000 |
$102,000 | $264,000 |
| Unverifiable Information |
1 | $30,000 |
$30,000 | $30,000 |
$67,000 | $67,000 |
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Mortgage Loan App Totals for VENTURA COUNTY CREDIT UNION by:
Metropolitan Area And
County
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