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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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OREGON EMPLOYEES FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
OREGON EMPLOYEES FCU |
| Address | 631 WINTER ST NE
SALEM, OR 97301 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 62 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $5,668,000 |
| Average Mortgage Loan Amount Applied For | $89,500 |
| Highest Mortgage Loan Amount Applied For | $410,000 |
| Average Applicant Income | $75,625 |
| Highest Applicant Income | $264,000 |
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| Home Improvement |
37 | $1,785,000 |
$48,000 | $410,000 |
$78,000 | $264,000 |
| Home Purchase |
23 | $3,664,000 |
$159,000 | $323,000 |
$59,000 | $96,000 |
| Refinancing |
2 | $219,000 |
$109,000 | $139,000 |
$45,000 | $56,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
4 | $395,000 |
$98,000 | $180,000 |
$86,000 | $142,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
58 | $5,273,000 |
$90,000 | $410,000 |
$69,000 | $264,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
62 | $5,668,000 |
$91,000 | $410,000 |
$70,000 | $264,000 |
| 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 | $1,115,000 |
$159,000 | $314,000 |
$63,000 | $98,000 |
| Application Denied By Financial Institution |
9 | $781,000 |
$86,000 | $170,000 |
$99,000 | $264,000 |
| Application Withdrawn By Applicant |
6 | $768,000 |
$128,000 | $323,000 |
$49,000 | $94,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
40 | $3,004,000 |
$75,000 | $410,000 |
$68,000 | $174,000 |
| 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 |
3 | $181,000 |
$60,000 | $149,000 |
$148,000 | $264,000 |
| Debt-To-Income Ratio |
4 | $270,000 |
$67,000 | $170,000 |
$78,000 | $142,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $170,000 |
$170,000 | $170,000 |
$54,000 | $54,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $160,000 |
$160,000 | $160,000 |
$78,000 | $78,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for OREGON EMPLOYEES FCU by:
Metropolitan Area And
County
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