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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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NAPUS FEDERAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
NAPUS FEDERAL CREDIT UNION |
| Address | 12 HERBERT ST.
ALEXANDRIA, VA 22305-2666 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 255 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $17,861,000 |
| Average Mortgage Loan Amount Applied For | $67,755 |
| Highest Mortgage Loan Amount Applied For | $540,000 |
| Average Applicant Income | $77,506 |
| Highest Applicant Income | $258,000 |
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| Home Improvement |
153 | $6,406,000 |
$41,000 | $250,000 |
$77,000 | $185,000 |
| Home Purchase |
105 | $13,962,000 |
$132,000 | $460,000 |
$67,000 | $300,000 |
| Refinancing |
213 | $17,587,000 |
$82,000 | $540,000 |
$77,000 | $297,000 |
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| American Indian or Alaskan Native |
4 | $508,000 |
$127,000 | $230,000 |
$76,000 | $112,000 |
| Asian |
2 | $120,000 |
$60,000 | $70,000 |
$120,000 | $124,000 |
| Black or African American |
8 | $1,370,000 |
$171,000 | $540,000 |
$95,000 | $258,000 |
| Hispanic |
8 | $781,000 |
$97,000 | $243,000 |
$75,000 | $95,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
357 | $23,349,000 |
$65,000 | $472,000 |
$75,000 | $300,000 |
| White |
92 | $11,827,000 |
$128,000 | $460,000 |
$72,000 | $170,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
471 | $37,955,000 |
$80,000 | $540,000 |
$75,000 | $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) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
2 | $62,000 |
$31,000 | $52,000 |
$86,000 | $120,000 |
| Application Denied By Financial Institution |
74 | $6,053,000 |
$81,000 | $540,000 |
$65,000 | $142,000 |
| Application Withdrawn By Applicant |
184 | $18,353,000 |
$99,000 | $460,000 |
$74,000 | $300,000 |
| File Closed For Incompleteness |
2 | $264,000 |
$132,000 | $139,000 |
$42,000 | $54,000 |
| Loan Originated |
209 | $13,223,000 |
$63,000 | $472,000 |
$79,000 | $258,000 |
| 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 |
3 | $69,000 |
$23,000 | $37,000 |
$84,000 | $132,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
19 | $1,595,000 |
$83,000 | $210,000 |
$70,000 | $142,000 |
| Debt-To-Income Ratio |
39 | $3,420,000 |
$87,000 | $540,000 |
$61,000 | $119,000 |
| 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 |
10 | $602,000 |
$60,000 | $165,000 |
$73,000 | $131,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for NAPUS FEDERAL CREDIT UNION by:
Metropolitan Area And
County
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