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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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ONPOINT COMMUNITY CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
ONPOINT COMMUNITY CREDIT UNION |
| Address | 2701 NW VAUGHN ST, STE 800
PORTLAND, OR 97210 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 297 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $59,450,000 |
| Average Mortgage Loan Amount Applied For | $195,944 |
| Highest Mortgage Loan Amount Applied For | $795,000 |
| Average Applicant Income | $85,888 |
| Highest Applicant Income | $400,000 |
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| Home Improvement |
10 | $2,015,000 |
$201,000 | $298,000 |
$67,000 | $114,000 |
| Home Purchase |
115 | $24,408,000 |
$212,000 | $795,000 |
$71,000 | $394,000 |
| Refinancing |
179 | $34,551,000 |
$193,000 | $591,000 |
$72,000 | $400,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
10 | $1,921,000 |
$192,000 | $318,000 |
$59,000 | $110,000 |
| Black or African American |
10 | $2,215,000 |
$221,000 | $499,000 |
$67,000 | $121,000 |
| Hispanic |
11 | $2,066,000 |
$187,000 | $297,000 |
$53,000 | $111,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $356,000 |
$178,000 | $230,000 |
$95,000 | $116,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
20 | $4,513,000 |
$225,000 | $426,000 |
$63,000 | $118,000 |
| White |
251 | $49,903,000 |
$198,000 | $795,000 |
$74,000 | $400,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
304 | $60,974,000 |
$200,000 | $795,000 |
$72,000 | $400,000 |
| 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 |
20 | $5,085,000 |
$254,000 | $795,000 |
$67,000 | $210,000 |
| Application Denied By Financial Institution |
9 | $1,571,000 |
$174,000 | $290,000 |
$51,000 | $92,000 |
| Application Withdrawn By Applicant |
7 | $1,475,000 |
$210,000 | $340,000 |
$67,000 | $132,000 |
| File Closed For Incompleteness |
2 | $533,000 |
$266,000 | $333,000 |
$150,000 | $202,000 |
| Loan Originated |
259 | $50,786,000 |
$196,000 | $591,000 |
$73,000 | $400,000 |
| 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 |
7 | $1,524,000 |
$217,000 | $325,000 |
$59,000 | $82,000 |
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| Collateral |
1 | $116,000 |
$116,000 | $116,000 |
$49,000 | $49,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
5 | $1,079,000 |
$215,000 | $290,000 |
$71,000 | $92,000 |
| Debt-To-Income Ratio |
8 | $1,744,000 |
$218,000 | $325,000 |
$48,000 | $82,000 |
| Employment History |
1 | $105,000 |
$105,000 | $105,000 |
$34,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $51,000 |
$51,000 | $51,000 |
$46,000 | $46,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for ONPOINT COMMUNITY CREDIT UNION by:
Metropolitan Area And
County
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