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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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NAVIGATOR CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
NAVIGATOR CREDIT UNION |
| Address | P.O. BOX 1647
PASCAGOULA, MS 39568-1647 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 68 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,566,000 |
| Average Mortgage Loan Amount Applied For | $116,600 |
| Highest Mortgage Loan Amount Applied For | $302,000 |
| Average Applicant Income | $53,600 |
| Highest Applicant Income | $209,000 |
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| Home Improvement |
5 | $575,000 |
$115,000 | $185,000 |
$45,000 | $102,000 |
| Home Purchase |
52 | $4,924,000 |
$94,000 | $302,000 |
$61,000 | $209,000 |
| Refinancing |
17 | $1,597,000 |
$93,000 | $200,000 |
$48,000 | $77,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $60,000 |
$60,000 | $60,000 |
$20,000 | $20,000 |
| Black or African American |
23 | $1,680,000 |
$73,000 | $185,000 |
$49,000 | $108,000 |
| Hispanic |
1 | $58,000 |
$58,000 | $58,000 |
$40,000 | $40,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
2 | $160,000 |
$80,000 | $90,000 |
$43,000 | $49,000 |
| White |
47 | $5,138,000 |
$109,000 | $302,000 |
$62,000 | $209,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
74 | $7,096,000 |
$95,000 | $302,000 |
$57,000 | $209,000 |
| 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 |
3 | $255,000 |
$85,000 | $145,000 |
$33,000 | $38,000 |
| Application Denied By Financial Institution |
11 | $1,029,000 |
$93,000 | $185,000 |
$48,000 | $102,000 |
| Application Withdrawn By Applicant |
6 | $677,000 |
$112,000 | $170,000 |
$62,000 | $108,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
50 | $4,835,000 |
$96,000 | $302,000 |
$61,000 | $209,000 |
| 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 |
4 | $300,000 |
$75,000 | $80,000 |
$35,000 | $38,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
7 | $661,000 |
$94,000 | $185,000 |
$49,000 | $102,000 |
| Debt-To-Income Ratio |
6 | $518,000 |
$86,000 | $133,000 |
$43,000 | $63,000 |
| Employment History |
2 | $150,000 |
$75,000 | $75,000 |
$33,000 | $36,000 |
| 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 NAVIGATOR CREDIT UNION by:
Metropolitan Area And
County
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