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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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NORTH COAST CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
NORTH COAST CREDIT UNION |
| Address | 1100 DUPONT ST
BELLINGHAM, WA 98225 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 194 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $17,680,000 |
| Average Mortgage Loan Amount Applied For | $102,200 |
| Highest Mortgage Loan Amount Applied For | $417,000 |
| Average Applicant Income | $68,600 |
| Highest Applicant Income | $189,000 |
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| Home Improvement |
7 | $44,000 |
$6,000 | $10,000 |
$72,000 | $90,000 |
| Home Purchase |
43 | $8,233,000 |
$191,000 | $340,000 |
$51,000 | $156,000 |
| Refinancing |
144 | $9,403,000 |
$65,000 | $417,000 |
$67,000 | $189,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $120,000 |
$60,000 | $100,000 |
$83,000 | $99,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
13 | $1,096,000 |
$84,000 | $215,000 |
$61,000 | $116,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
19 | $2,412,000 |
$126,000 | $340,000 |
$50,000 | $129,000 |
| White |
160 | $14,052,000 |
$87,000 | $417,000 |
$66,000 | $189,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
194 | $17,680,000 |
$91,000 | $417,000 |
$64,000 | $189,000 |
| 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 |
7 | $1,224,000 |
$174,000 | $278,000 |
$49,000 | $99,000 |
| Application Denied By Financial Institution |
16 | $2,185,000 |
$136,000 | $290,000 |
$37,000 | $116,000 |
| Application Withdrawn By Applicant |
30 | $3,619,000 |
$120,000 | $300,000 |
$58,000 | $116,000 |
| File Closed For Incompleteness |
21 | $3,487,000 |
$166,000 | $340,000 |
$60,000 | $156,000 |
| Loan Originated |
120 | $7,165,000 |
$59,000 | $417,000 |
$71,000 | $189,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
12 | $1,645,000 |
$137,000 | $290,000 |
$42,000 | $116,000 |
| Debt-To-Income Ratio |
4 | $540,000 |
$135,000 | $250,000 |
$21,000 | $30,000 |
| 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 NORTH COAST CREDIT UNION by:
Metropolitan Area And
County
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