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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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NUMERICA CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
NUMERICA CREDIT UNION |
| Address | 209 N HAVANA
SPOKANE, WA 99202 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,112 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $77,761,000 |
| Average Mortgage Loan Amount Applied For | $81,880 |
| Highest Mortgage Loan Amount Applied For | $351,000 |
| Average Applicant Income | $56,400 |
| Highest Applicant Income | $450,000 |
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| Home Improvement |
440 | $13,931,000 |
$31,000 | $158,000 |
$66,000 | $298,000 |
| Home Purchase |
189 | $23,479,000 |
$124,000 | $306,000 |
$52,000 | $180,000 |
| Refinancing |
483 | $40,351,000 |
$83,000 | $351,000 |
$62,000 | $450,000 |
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| American Indian or Alaskan Native |
6 | $273,000 |
$45,000 | $120,000 |
$90,000 | $197,000 |
| Asian |
6 | $516,000 |
$86,000 | $250,000 |
$31,000 | $44,000 |
| Black or African American |
3 | $271,000 |
$90,000 | $133,000 |
$46,000 | $69,000 |
| Hispanic |
47 | $3,778,000 |
$80,000 | $225,000 |
$51,000 | $144,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
14 | $454,000 |
$32,000 | $80,000 |
$53,000 | $142,000 |
| White |
1,036 | $72,469,000 |
$69,000 | $351,000 |
$62,000 | $450,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,104 | $76,622,000 |
$69,000 | $351,000 |
$62,000 | $450,000 |
| FHA-insured (Federal Housing Administration) |
7 | $1,009,000 |
$144,000 | $202,000 |
$48,000 | $62,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
1 | $130,000 |
$130,000 | $130,000 |
$44,000 | $44,000 |
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| Application Approved But Not Accepted |
26 | $1,300,000 |
$50,000 | $157,000 |
$59,000 | $125,000 |
| Application Denied By Financial Institution |
91 | $8,755,000 |
$96,000 | $351,000 |
$46,000 | $124,000 |
| Application Withdrawn By Applicant |
93 | $9,706,000 |
$104,000 | $297,000 |
$64,000 | $144,000 |
| File Closed For Incompleteness |
18 | $1,766,000 |
$98,000 | $318,000 |
$54,000 | $100,000 |
| Loan Originated |
884 | $56,234,000 |
$63,000 | $350,000 |
$63,000 | $450,000 |
| 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 |
2 | $250,000 |
$125,000 | $150,000 |
$67,000 | $104,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 NUMERICA CREDIT UNION by:
Metropolitan Area And
County
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