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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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WEBER STATE CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
WEBER STATE CREDIT UNION |
| Address | 4140 HARRISON BLVD
OGDEN, UT 84408 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 138 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,510,000 |
| Average Mortgage Loan Amount Applied For | $113,846 |
| Highest Mortgage Loan Amount Applied For | $779,000 |
| Average Applicant Income | $77,538 |
| Highest Applicant Income | $600,000 |
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| Home Improvement |
45 | $2,591,000 |
$57,000 | $165,000 |
$88,000 | $600,000 |
| Home Purchase |
49 | $4,292,000 |
$87,000 | $344,000 |
$87,000 | $600,000 |
| Refinancing |
57 | $5,749,000 |
$100,000 | $779,000 |
$65,000 | $122,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $101,000 |
$101,000 | $101,000 |
$72,000 | $72,000 |
| Black or African American |
2 | $132,000 |
$66,000 | $107,000 |
$79,000 | $87,000 |
| Hispanic |
5 | $333,000 |
$66,000 | $120,000 |
$66,000 | $100,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
8 | $889,000 |
$111,000 | $295,000 |
$46,000 | $96,000 |
| White |
135 | $11,177,000 |
$82,000 | $779,000 |
$82,000 | $600,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
151 | $12,632,000 |
$83,000 | $779,000 |
$79,000 | $600,000 |
| 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 |
5 | $404,000 |
$80,000 | $116,000 |
$49,000 | $74,000 |
| Application Withdrawn By Applicant |
8 | $718,000 |
$89,000 | $124,000 |
$46,000 | $100,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
138 | $11,510,000 |
$83,000 | $779,000 |
$82,000 | $600,000 |
| 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 | $100,000 |
$100,000 | $100,000 |
$43,000 | $43,000 |
| 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 |
3 | $188,000 |
$62,000 | $100,000 |
$48,000 | $74,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for WEBER STATE CREDIT UNION by:
Metropolitan Area And
County
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