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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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HARBORSTONE CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
HARBORSTONE CREDIT UNION |
| Address | 6019 LAKEGROVE SW
LAKEWOOD, WA 98499 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 633 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $74,957,000 |
| Average Mortgage Loan Amount Applied For | $117,944 |
| Highest Mortgage Loan Amount Applied For | $443,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $1,188,000 |
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| Home Improvement |
249 | $18,236,000 |
$73,000 | $322,000 |
$76,000 | $1,188,000 |
| Home Purchase |
120 | $22,889,000 |
$190,000 | $425,000 |
$85,000 | $382,000 |
| Refinancing |
265 | $33,912,000 |
$127,000 | $443,000 |
$77,000 | $237,000 |
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| American Indian or Alaskan Native |
2 | $311,000 |
$155,000 | $271,000 |
$91,000 | $97,000 |
| Asian |
30 | $4,135,000 |
$137,000 | $300,000 |
$63,000 | $113,000 |
| Black or African American |
44 | $5,209,000 |
$118,000 | $335,000 |
$81,000 | $382,000 |
| Hispanic |
26 | $4,392,000 |
$168,000 | $443,000 |
$75,000 | $170,000 |
| Native Hawaiin or Other Pacific Islander |
16 | $1,484,000 |
$92,000 | $220,000 |
$70,000 | $134,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
68 | $5,697,000 |
$83,000 | $300,000 |
$76,000 | $225,000 |
| White |
448 | $53,809,000 |
$120,000 | $436,000 |
$79,000 | $1,188,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
634 | $75,037,000 |
$118,000 | $443,000 |
$78,000 | $1,188,000 |
| 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 |
2 | $350,000 |
$175,000 | $190,000 |
$49,000 | $50,000 |
| Application Denied By Financial Institution |
44 | $4,612,000 |
$104,000 | $436,000 |
$73,000 | $206,000 |
| Application Withdrawn By Applicant |
173 | $20,125,000 |
$116,000 | $443,000 |
$83,000 | $1,188,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
415 | $49,950,000 |
$120,000 | $425,000 |
$76,000 | $382,000 |
| 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 |
2 | $425,000 |
$212,000 | $220,000 |
$114,000 | $168,000 |
| Credit Application Incomplete |
2 | $561,000 |
$280,000 | $436,000 |
$141,000 | $171,000 |
| Credit History |
5 | $893,000 |
$178,000 | $227,000 |
$57,000 | $74,000 |
| Debt-To-Income Ratio |
3 | $675,000 |
$225,000 | $266,000 |
$68,000 | $96,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for HARBORSTONE CREDIT UNION by:
Metropolitan Area And
County
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