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| $5,279,183,286,000 in Mortgage Loans Applied for in 2007 from 26,605,695 Applications |
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NORTHWEST COMMUNITY CU
Mortgage Loans and Application Details
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| Mortgage Company Name |
NORTHWEST COMMUNITY CU |
| Address | PO BOX 70225
EUGENE, OR 97401 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2007 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 |
| Total Number of Mortgage Loan Applications Processed | 322 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $59,101,000 |
| Average Mortgage Loan Amount Applied For | $173,700 |
| Highest Mortgage Loan Amount Applied For | $1,200,000 |
| Average Applicant Income | $64,650 |
| Highest Applicant Income | $655,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
284 | $49,749,000 |
$175,000 | $480,000 |
$56,000 | $618,000 |
| Refinancing |
208 | $38,718,000 |
$186,000 | $1,200,000 |
$70,000 | $655,000 |
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| American Indian or Alaskan Native |
9 | $1,812,000 |
$201,000 | $417,000 |
$89,000 | $320,000 |
| Asian |
1 | $113,000 |
$113,000 | $113,000 |
$58,000 | $58,000 |
| Black or African American |
2 | $559,000 |
$279,000 | $375,000 |
$78,000 | $120,000 |
| Hispanic |
14 | $2,752,000 |
$196,000 | $288,000 |
$53,000 | $97,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $175,000 |
$175,000 | $175,000 |
$47,000 | $47,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
132 | $22,170,000 |
$167,000 | $450,000 |
$49,000 | $187,000 |
| White |
333 | $60,886,000 |
$182,000 | $1,200,000 |
$67,000 | $655,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
492 | $88,467,000 |
$179,000 | $1,200,000 |
$62,000 | $655,000 |
| 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 |
1 | $150,000 |
$150,000 | $150,000 |
$46,000 | $46,000 |
| Application Denied By Financial Institution |
148 | $25,496,000 |
$172,000 | $1,200,000 |
$46,000 | $240,000 |
| Application Withdrawn By Applicant |
213 | $37,395,000 |
$175,000 | $465,000 |
$59,000 | $240,000 |
| File Closed For Incompleteness |
8 | $1,640,000 |
$205,000 | $346,000 |
$53,000 | $75,000 |
| Loan Originated |
122 | $23,786,000 |
$194,000 | $650,000 |
$89,000 | $655,000 |
| 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 |
11 | $1,210,000 |
$110,000 | $185,000 |
$42,000 | $69,000 |
| Credit Application Incomplete |
48 | $8,957,000 |
$186,000 | $450,000 |
$49,000 | $120,000 |
| Credit History |
33 | $6,806,000 |
$206,000 | $1,200,000 |
$51,000 | $240,000 |
| Debt-To-Income Ratio |
14 | $2,177,000 |
$155,000 | $257,000 |
$35,000 | $68,000 |
| Employment History |
3 | $545,000 |
$181,000 | $290,000 |
$28,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
8 | $1,213,000 |
$151,000 | $309,000 |
$45,000 | $90,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
7 | $975,000 |
$139,000 | $225,000 |
$40,000 | $50,000 |
| Unverifiable Information |
2 | $341,000 |
$170,000 | $171,000 |
$52,000 | $70,000 |
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Mortgage Loan App Totals for NORTHWEST COMMUNITY CU by:
Metropolitan Area And
County
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