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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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OSU FEDERAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
OSU FEDERAL CREDIT UNION |
| Address | P.O. BOX 306, 1980 NW 9TH STREET
CORVALLIS, OR 97339 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 320 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $52,498,000 |
| Average Mortgage Loan Amount Applied For | $201,333 |
| Highest Mortgage Loan Amount Applied For | $732,000 |
| Average Applicant Income | $92,000 |
| Highest Applicant Income | $462,000 |
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| Home Improvement |
2 | $343,000 |
$171,000 | $197,000 |
$81,000 | $88,000 |
| Home Purchase |
179 | $31,960,000 |
$178,000 | $732,000 |
$73,000 | $462,000 |
| Refinancing |
154 | $22,364,000 |
$145,000 | $400,000 |
$68,000 | $160,000 |
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| American Indian or Alaskan Native |
3 | $488,000 |
$162,000 | $215,000 |
$45,000 | $62,000 |
| Asian |
5 | $832,000 |
$166,000 | $314,000 |
$99,000 | $183,000 |
| Black or African American |
4 | $537,000 |
$134,000 | $230,000 |
$69,000 | $112,000 |
| Hispanic |
8 | $956,000 |
$119,000 | $167,000 |
$43,000 | $65,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
12 | $1,584,000 |
$132,000 | $299,000 |
$57,000 | $90,000 |
| White |
303 | $50,270,000 |
$165,000 | $732,000 |
$72,000 | $462,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
335 | $54,667,000 |
$163,000 | $732,000 |
$71,000 | $462,000 |
| 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 |
7 | $839,000 |
$119,000 | $250,000 |
$64,000 | $135,000 |
| Application Withdrawn By Applicant |
65 | $11,548,000 |
$177,000 | $476,000 |
$70,000 | $160,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
249 | $40,141,000 |
$161,000 | $732,000 |
$72,000 | $462,000 |
| 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 |
14 | $2,139,000 |
$152,000 | $304,000 |
$55,000 | $87,000 |
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| Collateral |
1 | $180,000 |
$180,000 | $180,000 |
$58,000 | $58,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
10 | $1,252,000 |
$125,000 | $200,000 |
$63,000 | $90,000 |
| Debt-To-Income Ratio |
5 | $961,000 |
$192,000 | $304,000 |
$49,000 | $87,000 |
| 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 OSU FEDERAL CREDIT UNION by:
Metropolitan Area And
County
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