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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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HAWAII STATE FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
HAWAII STATE FCU |
| Address | 560 HALEKAUWILA STREET
HONOLULU, HI 96813 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 102 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $22,700,000 |
| Average Mortgage Loan Amount Applied For | $275,000 |
| Highest Mortgage Loan Amount Applied For | $935,000 |
| Average Applicant Income | $84,500 |
| Highest Applicant Income | $1,383,000 |
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| Home Improvement |
1 | $28,000 |
$28,000 | $28,000 |
$66,000 | $66,000 |
| Home Purchase |
8 | $1,955,000 |
$244,000 | $410,000 |
$68,000 | $108,000 |
| Refinancing |
93 | $20,717,000 |
$222,000 | $935,000 |
$97,000 | $1,383,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
74 | $16,661,000 |
$225,000 | $935,000 |
$102,000 | $1,383,000 |
| Black or African American |
1 | $289,000 |
$289,000 | $289,000 |
$73,000 | $73,000 |
| Hispanic |
1 | $250,000 |
$250,000 | $250,000 |
$85,000 | $85,000 |
| Native Hawaiin or Other Pacific Islander |
18 | $3,595,000 |
$199,000 | $550,000 |
$67,000 | $169,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $114,000 |
$114,000 | $114,000 |
$72,000 | $72,000 |
| White |
7 | $1,791,000 |
$255,000 | $490,000 |
$95,000 | $154,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
102 | $22,700,000 |
$222,000 | $935,000 |
$94,000 | $1,383,000 |
| 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 |
1 | $250,000 |
$250,000 | $250,000 |
$58,000 | $58,000 |
| Application Denied By Financial Institution |
13 | $2,470,000 |
$190,000 | $400,000 |
$60,000 | $95,000 |
| Application Withdrawn By Applicant |
5 | $1,071,000 |
$214,000 | $410,000 |
$86,000 | $169,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
83 | $18,909,000 |
$227,000 | $935,000 |
$101,000 | $1,383,000 |
| 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 |
4 | $399,000 |
$99,000 | $224,000 |
$65,000 | $84,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $555,000 |
$185,000 | $327,000 |
$69,000 | $92,000 |
| Debt-To-Income Ratio |
4 | $1,140,000 |
$285,000 | $400,000 |
$56,000 | $95,000 |
| 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 HAWAII STATE FCU by:
Metropolitan Area And
County
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