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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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COLUMBIA CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
COLUMBIA CREDIT UNION |
| Address | P.O. BOX 324
VANCOUVER, WA 98666 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 364 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $71,963,000 |
| Average Mortgage Loan Amount Applied For | $240,842 |
| Highest Mortgage Loan Amount Applied For | $1,248,000 |
| Average Applicant Income | $237,368 |
| Highest Applicant Income | $3,085,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
141 | $29,442,000 |
$208,000 | $1,248,000 |
$95,000 | $3,085,000 |
| Refinancing |
223 | $42,521,000 |
$190,000 | $681,000 |
$78,000 | $305,000 |
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| American Indian or Alaskan Native |
1 | $172,000 |
$172,000 | $172,000 |
$71,000 | $71,000 |
| Asian |
6 | $1,296,000 |
$216,000 | $300,000 |
$70,000 | $147,000 |
| Black or African American |
2 | $318,000 |
$159,000 | $202,000 |
$195,000 | $336,000 |
| Hispanic |
10 | $2,225,000 |
$222,000 | $417,000 |
$82,000 | $232,000 |
| Native Hawaiin or Other Pacific Islander |
4 | $620,000 |
$155,000 | $203,000 |
$58,000 | $79,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
65 | $12,913,000 |
$198,000 | $417,000 |
$99,000 | $305,000 |
| White |
276 | $54,419,000 |
$197,000 | $1,248,000 |
$81,000 | $3,085,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
364 | $71,963,000 |
$197,000 | $1,248,000 |
$85,000 | $3,085,000 |
| 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 |
58 | $11,373,000 |
$196,000 | $417,000 |
$70,000 | $181,000 |
| Application Denied By Financial Institution |
54 | $10,710,000 |
$198,000 | $681,000 |
$73,000 | $336,000 |
| Application Withdrawn By Applicant |
2 | $637,000 |
$318,000 | $350,000 |
$119,000 | $158,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
250 | $49,243,000 |
$196,000 | $1,248,000 |
$90,000 | $3,085,000 |
| 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 |
11 | $1,214,000 |
$110,000 | $206,000 |
$67,000 | $336,000 |
| Credit Application Incomplete |
5 | $1,846,000 |
$369,000 | $681,000 |
$135,000 | $264,000 |
| Credit History |
22 | $4,573,000 |
$207,000 | $437,000 |
$78,000 | $211,000 |
| Debt-To-Income Ratio |
13 | $2,629,000 |
$202,000 | $382,000 |
$49,000 | $96,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $171,000 |
$171,000 | $171,000 |
$54,000 | $54,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $277,000 |
$138,000 | $157,000 |
$48,000 | $69,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for COLUMBIA CREDIT UNION by:
Metropolitan Area And
County
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