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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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ZIA CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
ZIA CREDIT UNION |
| Address | 1001 CENTRAL AVENUE
LOS ALAMOS, NM 87544 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 144 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $7,926,000 |
| Average Mortgage Loan Amount Applied For | $74,454 |
| Highest Mortgage Loan Amount Applied For | $260,000 |
| Average Applicant Income | $70,727 |
| Highest Applicant Income | $232,000 |
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| Home Improvement (one-to-four family) |
32 | $1,505,000 |
$47,000 | $95,000 |
$72,000 | $143,000 |
| Home Purchase (one-to-four family) |
26 | $1,172,000 |
$45,000 | $170,000 |
$52,000 | $118,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
86 | $5,249,000 |
$61,000 | $260,000 |
$63,000 | $232,000 |
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| American Indian or Alaskan Native |
10 | $310,000 |
$31,000 | $66,000 |
$36,000 | $65,000 |
| Asian or Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black |
1 | $30,000 |
$30,000 | $30,000 |
$60,000 | $60,000 |
| Hispanic |
104 | $5,768,000 |
$55,000 | $228,000 |
$53,000 | $232,000 |
| Information not provided by applicant in mail or telephone application |
1 | $14,000 |
$14,000 | $14,000 |
$65,000 | $65,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
28 | $1,804,000 |
$64,000 | $260,000 |
$85,000 | $143,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
144 | $7,926,000 |
$55,000 | $260,000 |
$64,000 | $232,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
144 | $7,926,000 |
$55,000 | $260,000 |
$64,000 | $232,000 |
| Loan Purchased By The 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for ZIA CREDIT UNION by:
Metropolitan Area And
County
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