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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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HIGHLAND COMMUNITY FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
HIGHLAND COMMUNITY FCU |
| Address | 3737 SHASATA WAY
KLAMATH FALLS, OR 97603 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2004 |
| All Data Years | 2004 |
| Total Number of Mortgage Loan Applications Processed | 51 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $2,609,000 |
| Average Mortgage Loan Amount Applied For | $55,666 |
| Highest Mortgage Loan Amount Applied For | $250,000 |
| Average Applicant Income | $45,000 |
| Highest Applicant Income | $100,000 |
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| Home Improvement |
8 | $136,000 |
$17,000 | $40,000 |
$44,000 | $100,000 |
| Home Purchase |
14 | $998,000 |
$61,000 | $135,000 |
$27,000 | $72,000 |
| Refinancing |
30 | $1,525,000 |
$50,000 | $250,000 |
$35,000 | $84,000 |
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| American Indian or Alaskan Native |
2 | $25,000 |
$12,000 | $20,000 |
$37,000 | $45,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
3 | $232,000 |
$77,000 | $90,000 |
$43,000 | $56,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
47 | $2,402,000 |
$50,500 | $250,000 |
$26,500 | $100,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
51 | $2,644,000 |
$50,500 | $250,000 |
$26,500 | $100,000 |
| FHA-insured (Federal Housing Administration) |
1 | $15,000 |
$15,000 | $15,000 |
$43,000 | $43,000 |
| 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 | $15,000 |
$15,000 | $15,000 |
$43,000 | $43,000 |
| Application Denied By Financial Institution |
4 | $231,000 |
$57,000 | $111,000 |
$32,000 | $60,000 |
| Application Withdrawn By Applicant |
4 | $210,000 |
$52,000 | $100,000 |
$29,000 | $40,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
42 | $2,153,000 |
$51,000 | $250,000 |
$47,000 | $100,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
1 | $50,000 |
$50,000 | $50,000 |
$14,000 | $14,000 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
2 | $100,000 |
$50,000 | $75,000 |
$19,000 | $25,000 |
| Debt-To-Income Ratio |
2 | $131,000 |
$65,000 | $111,000 |
$45,000 | $60,000 |
| 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 HIGHLAND COMMUNITY FCU by:
Metropolitan Area And
County
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