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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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HAPO COMMUNITY CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
HAPO COMMUNITY CREDIT UNION |
| Address | 4 N UNION ST
KENNEWICK, WA 99336 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 839 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $35,269,000 |
| Average Mortgage Loan Amount Applied For | $69,227 |
| Highest Mortgage Loan Amount Applied For | $398,000 |
| Average Applicant Income | $70,590 |
| Highest Applicant Income | $391,000 |
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| Home Improvement |
624 | $20,397,000 |
$32,000 | $200,000 |
$70,000 | $391,000 |
| Home Purchase |
113 | $9,331,000 |
$82,000 | $398,000 |
$56,000 | $1,285,000 |
| Refinancing |
179 | $11,068,000 |
$61,000 | $253,000 |
$75,000 | $195,000 |
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| American Indian or Alaskan Native |
1 | $75,000 |
$75,000 | $75,000 |
$182,000 | $182,000 |
| Asian |
8 | $227,000 |
$28,000 | $52,000 |
$75,000 | $122,000 |
| Black or African American |
4 | $356,000 |
$89,000 | $165,000 |
$45,000 | $121,000 |
| Hispanic |
173 | $7,269,000 |
$42,000 | $288,000 |
$59,000 | $391,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
20 | $1,689,000 |
$84,000 | $190,000 |
$59,000 | $116,000 |
| White |
710 | $31,180,000 |
$43,000 | $398,000 |
$72,000 | $1,285,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
916 | $40,796,000 |
$44,000 | $398,000 |
$69,000 | $1,285,000 |
| 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 |
147 | $7,398,000 |
$50,000 | $213,000 |
$82,000 | $1,285,000 |
| Application Denied By Financial Institution |
306 | $13,396,000 |
$43,000 | $200,000 |
$54,000 | $192,000 |
| Application Withdrawn By Applicant |
25 | $2,280,000 |
$91,000 | $288,000 |
$67,000 | $200,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
438 | $17,722,000 |
$40,000 | $398,000 |
$76,000 | $304,000 |
| 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 |
6 | $565,000 |
$94,000 | $190,000 |
$41,000 | $60,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
124 | $5,803,000 |
$46,000 | $175,000 |
$57,000 | $165,000 |
| Debt-To-Income Ratio |
114 | $4,325,000 |
$37,000 | $200,000 |
$46,000 | $110,000 |
| Employment History |
12 | $540,000 |
$45,000 | $115,000 |
$65,000 | $192,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
5 | $523,000 |
$104,000 | $139,000 |
$27,000 | $55,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
36 | $1,208,000 |
$33,000 | $100,000 |
$66,000 | $192,000 |
| Unverifiable Information |
7 | $333,000 |
$47,000 | $70,000 |
$66,000 | $180,000 |
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Mortgage Loan App Totals for HAPO COMMUNITY CREDIT UNION by:
Metropolitan Area And
County
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