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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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KCFCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
KCFCU |
| Address | P.O. BOX 990
BREMERTON, WA 98337 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 949 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $122,119,000 |
| Average Mortgage Loan Amount Applied For | $142,500 |
| Highest Mortgage Loan Amount Applied For | $652,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $300,000 |
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| Home Improvement |
215 | $8,304,000 |
$38,000 | $560,000 |
$76,000 | $260,000 |
| Home Purchase |
200 | $41,286,000 |
$206,000 | $640,000 |
$68,000 | $270,000 |
| Refinancing |
675 | $92,178,000 |
$136,000 | $775,000 |
$75,000 | $300,000 |
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| American Indian or Alaskan Native |
9 | $791,000 |
$87,000 | $295,000 |
$121,000 | $284,000 |
| Asian |
29 | $5,125,000 |
$176,000 | $570,000 |
$78,000 | $266,000 |
| Black or African American |
21 | $3,343,000 |
$159,000 | $408,000 |
$70,000 | $102,000 |
| Hispanic |
24 | $3,079,000 |
$128,000 | $300,000 |
$62,000 | $123,000 |
| Native Hawaiin or Other Pacific Islander |
23 | $3,918,000 |
$170,000 | $332,000 |
$88,000 | $300,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
10 | $895,000 |
$89,000 | $350,000 |
$76,000 | $170,000 |
| White |
974 | $124,617,000 |
$127,000 | $775,000 |
$73,000 | $300,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,031 | $128,287,000 |
$124,000 | $775,000 |
$74,000 | $300,000 |
| 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) |
59 | $13,481,000 |
$228,000 | $408,000 |
$67,000 | $267,000 |
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| Application Approved But Not Accepted |
36 | $1,511,000 |
$41,000 | $110,000 |
$83,000 | $300,000 |
| Application Denied By Financial Institution |
29 | $3,418,000 |
$117,000 | $462,000 |
$50,000 | $126,000 |
| Application Withdrawn By Applicant |
69 | $12,081,000 |
$175,000 | $396,000 |
$66,000 | $192,000 |
| File Closed For Incompleteness |
2 | $117,000 |
$58,000 | $67,000 |
$23,000 | $27,000 |
| Loan Originated |
954 | $124,641,000 |
$130,000 | $775,000 |
$75,000 | $300,000 |
| 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 | $100,000 |
$100,000 | $100,000 |
$126,000 | $126,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $342,000 |
$85,000 | $257,000 |
$56,000 | $79,000 |
| Debt-To-Income Ratio |
10 | $982,000 |
$98,000 | $196,000 |
$50,000 | $88,000 |
| 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 |
7 | $1,128,000 |
$161,000 | $462,000 |
$36,000 | $79,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for KCFCU by:
Metropolitan Area And
County
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