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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 FIRST COMMUNITY CREDIT
Mortgage Loans and Application Details
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| Mortgage Company Name |
OREGON FIRST COMMUNITY CREDIT |
| Address | 150 E. JOHNSON AVENUE
COOS BAY, OR 97420 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 346 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $54,793,000 |
| Average Mortgage Loan Amount Applied For | $172,178 |
| Highest Mortgage Loan Amount Applied For | $647,000 |
| Average Applicant Income | $75,464 |
| Highest Applicant Income | $442,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
131 | $21,853,000 |
$166,000 | $474,000 |
$67,000 | $287,000 |
| Refinancing |
252 | $39,121,000 |
$155,000 | $647,000 |
$62,000 | $442,000 |
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| American Indian or Alaskan Native |
8 | $1,289,000 |
$161,000 | $275,000 |
$55,000 | $155,000 |
| Asian |
5 | $984,000 |
$196,000 | $218,000 |
$70,000 | $108,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
10 | $1,711,000 |
$171,000 | $300,000 |
$49,000 | $121,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
3 | $599,000 |
$199,000 | $325,000 |
$77,000 | $89,000 |
| White |
357 | $56,391,000 |
$157,000 | $647,000 |
$64,000 | $442,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
383 | $60,974,000 |
$159,000 | $647,000 |
$64,000 | $442,000 |
| 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 |
2 | $709,000 |
$354,000 | $409,000 |
$120,000 | $121,000 |
| Application Denied By Financial Institution |
42 | $7,227,000 |
$172,000 | $320,000 |
$55,000 | $121,000 |
| Application Withdrawn By Applicant |
56 | $8,772,000 |
$156,000 | $427,000 |
$62,000 | $178,000 |
| File Closed For Incompleteness |
28 | $5,445,000 |
$194,000 | $510,000 |
$71,000 | $287,000 |
| Loan Originated |
255 | $38,821,000 |
$152,000 | $647,000 |
$64,000 | $442,000 |
| 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 |
7 | $1,115,000 |
$159,000 | $215,000 |
$57,000 | $99,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
7 | $1,191,000 |
$170,000 | $240,000 |
$54,000 | $103,000 |
| Debt-To-Income Ratio |
8 | $1,292,000 |
$161,000 | $232,000 |
$45,000 | $84,000 |
| Employment History |
2 | $510,000 |
$255,000 | $255,000 |
$33,000 | $35,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
17 | $3,034,000 |
$178,000 | $320,000 |
$62,000 | $121,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for OREGON FIRST COMMUNITY CREDIT by:
Metropolitan Area And
County
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