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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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WEST COMMUNITY CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
WEST COMMUNITY CREDIT UNION |
| Address | 4161 HIGHWAY K
O'FALLON, MO 63368 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 121 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $9,152,000 |
| Average Mortgage Loan Amount Applied For | $72,000 |
| Highest Mortgage Loan Amount Applied For | $417,000 |
| Average Applicant Income | $74,555 |
| Highest Applicant Income | $960,000 |
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| Home Improvement |
28 | $620,000 |
$22,000 | $46,000 |
$80,000 | $146,000 |
| Home Purchase |
28 | $3,737,000 |
$133,000 | $263,000 |
$63,000 | $165,000 |
| Refinancing |
70 | $5,496,000 |
$78,000 | $417,000 |
$81,000 | $960,000 |
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| American Indian or Alaskan Native |
1 | $101,000 |
$101,000 | $101,000 |
$81,000 | $81,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
7 | $901,000 |
$128,000 | $243,000 |
$49,000 | $88,000 |
| Hispanic |
1 | $85,000 |
$85,000 | $85,000 |
$50,000 | $50,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
41 | $1,759,000 |
$42,000 | $159,000 |
$71,000 | $146,000 |
| White |
76 | $7,007,000 |
$92,000 | $417,000 |
$83,000 | $960,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
126 | $9,853,000 |
$78,000 | $417,000 |
$77,000 | $960,000 |
| 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 |
5 | $358,000 |
$71,000 | $138,000 |
$45,000 | $70,000 |
| Application Denied By Financial Institution |
16 | $1,226,000 |
$76,000 | $188,000 |
$57,000 | $94,000 |
| Application Withdrawn By Applicant |
21 | $2,950,000 |
$140,000 | $417,000 |
$114,000 | $960,000 |
| File Closed For Incompleteness |
2 | $201,000 |
$100,000 | $130,000 |
$22,000 | $23,000 |
| Loan Originated |
78 | $4,502,000 |
$57,000 | $243,000 |
$74,000 | $146,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
4 | $616,000 |
$154,000 | $175,000 |
$77,000 | $165,000 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
1 | $123,000 |
$123,000 | $123,000 |
$67,000 | $67,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
8 | $661,000 |
$82,000 | $188,000 |
$53,000 | $89,000 |
| Debt-To-Income Ratio |
4 | $287,000 |
$71,000 | $131,000 |
$55,000 | $75,000 |
| 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 |
3 | $155,000 |
$51,000 | $90,000 |
$69,000 | $94,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for WEST COMMUNITY CREDIT UNION by:
Metropolitan Area And
County
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