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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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HAWAIIUSA FEDERAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
HAWAIIUSA FEDERAL CREDIT UNION |
| Address | 1226 COLLEGE WALK
HONOLULU, HI 96817 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 277 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $64,093,000 |
| Average Mortgage Loan Amount Applied For | $278,000 |
| Highest Mortgage Loan Amount Applied For | $1,430,000 |
| Average Applicant Income | $326,000 |
| Highest Applicant Income | $1,021,000 |
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| Home Improvement |
42 | $6,518,000 |
$155,000 | $477,000 |
$83,000 | $150,000 |
| Home Purchase |
98 | $31,718,000 |
$323,000 | $1,430,000 |
$106,000 | $1,021,000 |
| Refinancing |
137 | $25,857,000 |
$188,000 | $550,000 |
$84,000 | $276,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
165 | $40,368,000 |
$244,000 | $1,430,000 |
$89,000 | $568,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
2 | $120,000 |
$60,000 | $90,000 |
$65,000 | $100,000 |
| Native Hawaiin or Other Pacific Islander |
40 | $7,347,000 |
$183,000 | $477,000 |
$81,000 | $150,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
7 | $1,126,000 |
$160,000 | $350,000 |
$76,000 | $115,000 |
| White |
63 | $15,132,000 |
$240,000 | $584,000 |
$107,000 | $1,021,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
277 | $64,093,000 |
$231,000 | $1,430,000 |
$92,000 | $1,021,000 |
| 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 | $213,000 |
$106,000 | $118,000 |
$90,000 | $97,000 |
| Application Denied By Financial Institution |
33 | $5,783,000 |
$175,000 | $523,000 |
$80,000 | $127,000 |
| Application Withdrawn By Applicant |
32 | $9,365,000 |
$292,000 | $650,000 |
$90,000 | $276,000 |
| File Closed For Incompleteness |
3 | $545,000 |
$181,000 | $285,000 |
$78,000 | $112,000 |
| Loan Originated |
207 | $48,187,000 |
$232,000 | $1,430,000 |
$94,000 | $1,021,000 |
| 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 | $200,000 |
$100,000 | $100,000 |
$85,000 | $109,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
9 | $1,401,000 |
$155,000 | $431,000 |
$65,000 | $100,000 |
| Debt-To-Income Ratio |
8 | $1,835,000 |
$229,000 | $523,000 |
$57,000 | $79,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $212,000 |
$212,000 | $212,000 |
$95,000 | $95,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
12 | $2,105,000 |
$175,000 | $284,000 |
$104,000 | $127,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for HAWAIIUSA FEDERAL CREDIT UNION by:
Metropolitan Area And
County
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