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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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WESTERN VISTA FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
WESTERN VISTA FCU |
| Address | 3207 SPARKS RD
CHEYENNE, WY 82001 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 159 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $16,574,000 |
| Average Mortgage Loan Amount Applied For | $129,538 |
| Highest Mortgage Loan Amount Applied For | $409,000 |
| Average Applicant Income | $68,923 |
| Highest Applicant Income | $196,000 |
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| Home Improvement |
23 | $749,000 |
$32,000 | $88,000 |
$73,000 | $180,000 |
| Home Purchase |
86 | $11,339,000 |
$131,000 | $400,000 |
$60,000 | $196,000 |
| Refinancing |
77 | $8,386,000 |
$108,000 | $409,000 |
$63,000 | $151,000 |
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| American Indian or Alaskan Native |
2 | $36,000 |
$18,000 | $26,000 |
$31,000 | $47,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
2 | $160,000 |
$80,000 | $157,000 |
$56,000 | $56,000 |
| Hispanic |
22 | $1,795,000 |
$81,000 | $210,000 |
$57,000 | $118,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
9 | $1,084,000 |
$120,000 | $290,000 |
$43,000 | $87,000 |
| White |
151 | $17,399,000 |
$115,000 | $409,000 |
$65,000 | $196,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
181 | $19,495,000 |
$107,000 | $409,000 |
$62,000 | $196,000 |
| 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) |
5 | $979,000 |
$195,000 | $393,000 |
$68,000 | $154,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
27 | $3,652,000 |
$135,000 | $409,000 |
$43,000 | $104,000 |
| Application Withdrawn By Applicant |
21 | $3,158,000 |
$150,000 | $315,000 |
$72,000 | $148,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
138 | $13,664,000 |
$99,000 | $400,000 |
$65,000 | $196,000 |
| 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 |
1 | $140,000 |
$140,000 | $140,000 |
$48,000 | $48,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
13 | $1,554,000 |
$119,000 | $180,000 |
$45,000 | $104,000 |
| Debt-To-Income Ratio |
10 | $1,608,000 |
$160,000 | $409,000 |
$35,000 | $70,000 |
| 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 |
2 | $220,000 |
$110,000 | $140,000 |
$60,000 | $78,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for WESTERN VISTA FCU by:
Metropolitan Area And
County
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