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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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OREGONIANS FEDERAL CREDIT UNIO
Mortgage Loans and Application Details
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| Mortgage Company Name |
OREGONIANS FEDERAL CREDIT UNIO |
| Address | 6915 SE LAKE ROAD SUITE 300
MILWAUKIE, OR 97267 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2006 |
| Total Number of Mortgage Loan Applications Processed | 143 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $20,960,000 |
| Average Mortgage Loan Amount Applied For | $173,000 |
| Highest Mortgage Loan Amount Applied For | $448,000 |
| Average Applicant Income | $73,166 |
| Highest Applicant Income | $249,000 |
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| Home Improvement |
51 | $1,916,000 |
$37,000 | $102,000 |
$84,000 | $249,000 |
| Home Purchase |
97 | $20,446,000 |
$210,000 | $448,000 |
$69,000 | $200,000 |
| Refinancing |
61 | $10,250,000 |
$168,000 | $417,000 |
$68,000 | $238,000 |
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| American Indian or Alaskan Native |
1 | $150,000 |
$150,000 | $150,000 |
$29,000 | $29,000 |
| Asian |
5 | $972,000 |
$194,000 | $350,000 |
$87,000 | $154,000 |
| Black or African American |
5 | $948,000 |
$189,000 | $380,000 |
$54,000 | $72,000 |
| Hispanic |
7 | $898,000 |
$128,000 | $270,000 |
$49,000 | $82,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $75,000 |
$75,000 | $75,000 |
$61,000 | $61,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
12 | $834,000 |
$69,000 | $184,000 |
$71,000 | $118,000 |
| White |
178 | $28,735,000 |
$161,000 | $448,000 |
$74,000 | $249,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
209 | $32,612,000 |
$156,000 | $448,000 |
$73,000 | $249,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
5 | $697,000 |
$139,000 | $245,000 |
$61,000 | $110,000 |
| Application Withdrawn By Applicant |
36 | $7,108,000 |
$197,000 | $388,000 |
$62,000 | $177,000 |
| File Closed For Incompleteness |
23 | $4,475,000 |
$194,000 | $350,000 |
$67,000 | $200,000 |
| Loan Originated |
145 | $20,332,000 |
$140,000 | $448,000 |
$77,000 | $249,000 |
| 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 |
1 | $92,000 |
$92,000 | $92,000 |
$110,000 | $110,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $52,000 |
$52,000 | $52,000 |
$44,000 | $44,000 |
| Debt-To-Income Ratio |
3 | $553,000 |
$184,000 | $245,000 |
$51,000 | $94,000 |
| 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 OREGONIANS FEDERAL CREDIT UNIO by:
Metropolitan Area And
County
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