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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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HICKAM FEDERAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
HICKAM FEDERAL CREDIT UNION |
| Address | PO BOX 30025
HONOLULU, HI 96820 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 98 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $11,947,000 |
| Average Mortgage Loan Amount Applied For | $44,500 |
| Highest Mortgage Loan Amount Applied For | $400,000 |
| Average Applicant Income | $82,750 |
| Highest Applicant Income | $233,000 |
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| Home Improvement |
38 | $3,694,000 |
$97,000 | $260,000 |
$94,000 | $191,000 |
| Home Purchase |
10 | $1,813,000 |
$181,000 | $370,000 |
$108,000 | $201,000 |
| Refinancing |
50 | $6,440,000 |
$128,000 | $400,000 |
$90,000 | $233,000 |
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| American Indian or Alaskan Native |
1 | $35,000 |
$35,000 | $35,000 |
$132,000 | $132,000 |
| Asian |
35 | $4,605,000 |
$131,000 | $400,000 |
$80,000 | $176,000 |
| Black or African American |
3 | $271,000 |
$90,000 | $133,000 |
$94,000 | $144,000 |
| Hispanic |
6 | $675,000 |
$112,000 | $160,000 |
$95,000 | $136,000 |
| Native Hawaiin or Other Pacific Islander |
25 | $3,368,000 |
$134,000 | $260,000 |
$96,000 | $225,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
28 | $2,993,000 |
$106,000 | $330,000 |
$107,000 | $233,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
98 | $11,947,000 |
$121,000 | $400,000 |
$94,000 | $233,000 |
| 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 |
4 | $315,000 |
$78,000 | $125,000 |
$73,000 | $97,000 |
| Application Denied By Financial Institution |
13 | $1,802,000 |
$138,000 | $330,000 |
$80,000 | $150,000 |
| Application Withdrawn By Applicant |
6 | $1,203,000 |
$200,000 | $370,000 |
$81,000 | $110,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
75 | $8,627,000 |
$115,000 | $400,000 |
$98,000 | $233,000 |
| 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 |
1 | $60,000 |
$60,000 | $60,000 |
$150,000 | $150,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $150,000 |
$150,000 | $150,000 |
$76,000 | $76,000 |
| Debt-To-Income Ratio |
8 | $1,174,000 |
$146,000 | $250,000 |
$74,000 | $100,000 |
| Employment History |
1 | $70,000 |
$70,000 | $70,000 |
$23,000 | $23,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $348,000 |
$174,000 | $330,000 |
$100,000 | $106,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for HICKAM FEDERAL CREDIT UNION by:
Metropolitan Area And
County
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