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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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VISTA FEDERAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
VISTA FEDERAL CREDIT UNION |
| Address | 13705 INTERNATIONAL DRIVE S
ORLANDO, FL 32821 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,014 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $124,282,000 |
| Average Mortgage Loan Amount Applied For | $142,000 |
| Highest Mortgage Loan Amount Applied For | $1,320,000 |
| Average Applicant Income | $85,666 |
| Highest Applicant Income | $467,000 |
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| Home Improvement |
240 | $16,412,000 |
$68,000 | $435,000 |
$78,000 | $438,000 |
| Home Purchase |
289 | $65,716,000 |
$227,000 | $1,320,000 |
$75,000 | $467,000 |
| Refinancing |
640 | $78,273,000 |
$122,000 | $840,000 |
$70,000 | $377,000 |
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| American Indian or Alaskan Native |
8 | $1,021,000 |
$127,000 | $323,000 |
$68,000 | $124,000 |
| Asian |
48 | $8,550,000 |
$178,000 | $790,000 |
$77,000 | $235,000 |
| Black or African American |
76 | $13,416,000 |
$176,000 | $592,000 |
$75,000 | $233,000 |
| Hispanic |
223 | $25,949,000 |
$116,000 | $541,000 |
$62,000 | $300,000 |
| Native Hawaiin or Other Pacific Islander |
6 | $1,072,000 |
$178,000 | $356,000 |
$84,000 | $145,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $233,000 |
$233,000 | $233,000 |
$68,000 | $68,000 |
| White |
807 | $110,160,000 |
$136,000 | $1,320,000 |
$75,000 | $467,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,169 | $160,401,000 |
$137,000 | $1,320,000 |
$73,000 | $467,000 |
| 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 |
219 | $27,648,000 |
$126,000 | $880,000 |
$77,000 | $320,000 |
| Application Denied By Financial Institution |
169 | $16,901,000 |
$100,000 | $628,000 |
$53,000 | $194,000 |
| Application Withdrawn By Applicant |
1 | $28,000 |
$28,000 | $28,000 |
$27,000 | $27,000 |
| File Closed For Incompleteness |
11 | $2,502,000 |
$227,000 | $517,000 |
$72,000 | $176,000 |
| Loan Originated |
601 | $75,046,000 |
$124,000 | $1,320,000 |
$79,000 | $467,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
141 | $32,696,000 |
$231,000 | $639,000 |
$71,000 | $336,000 |
| Preapproval Denied by Financial Institution |
27 | $5,580,000 |
$206,000 | $417,000 |
$47,000 | $134,000 |
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| Collateral |
18 | $1,372,000 |
$76,000 | $416,000 |
$55,000 | $120,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
59 | $5,410,000 |
$91,000 | $280,000 |
$59,000 | $151,000 |
| Debt-To-Income Ratio |
107 | $13,958,000 |
$130,000 | $628,000 |
$46,000 | $194,000 |
| Employment History |
2 | $320,000 |
$160,000 | $270,000 |
$52,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
4 | $536,000 |
$134,000 | $180,000 |
$42,000 | $54,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
3 | $387,000 |
$129,000 | $190,000 |
$54,000 | $63,000 |
| Unverifiable Information |
3 | $498,000 |
$166,000 | $410,000 |
$93,000 | $158,000 |
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Mortgage Loan App Totals for VISTA FEDERAL CREDIT UNION by:
Metropolitan Area And
County
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