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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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PACIFIC NW FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
PACIFIC NW FCU |
| Address | 12106 NE MARX ST
PORTLAND, OR 97220 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 130 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $22,989,000 |
| Average Mortgage Loan Amount Applied For | $153,294 |
| Highest Mortgage Loan Amount Applied For | $440,000 |
| Average Applicant Income | $62,176 |
| Highest Applicant Income | $180,000 |
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| Home Improvement |
2 | $168,000 |
$84,000 | $100,000 |
$56,000 | $84,000 |
| Home Purchase |
105 | $19,384,000 |
$184,000 | $400,000 |
$60,000 | $252,000 |
| Refinancing |
96 | $17,146,000 |
$178,000 | $440,000 |
$65,000 | $180,000 |
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| American Indian or Alaskan Native |
3 | $384,000 |
$128,000 | $161,000 |
$39,000 | $57,000 |
| Asian |
8 | $1,914,000 |
$239,000 | $320,000 |
$60,000 | $78,000 |
| Black or African American |
3 | $583,000 |
$194,000 | $233,000 |
$69,000 | $106,000 |
| Hispanic |
55 | $9,169,000 |
$166,000 | $312,000 |
$49,000 | $252,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
9 | $1,592,000 |
$176,000 | $250,000 |
$72,000 | $181,000 |
| White |
125 | $23,056,000 |
$184,000 | $440,000 |
$68,000 | $209,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
203 | $36,698,000 |
$180,000 | $440,000 |
$62,000 | $252,000 |
| 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 |
21 | $3,924,000 |
$186,000 | $430,000 |
$57,000 | $112,000 |
| Application Denied By Financial Institution |
21 | $3,906,000 |
$186,000 | $417,000 |
$47,000 | $106,000 |
| Application Withdrawn By Applicant |
20 | $3,737,000 |
$186,000 | $440,000 |
$87,000 | $252,000 |
| File Closed For Incompleteness |
9 | $1,212,000 |
$134,000 | $255,000 |
$52,000 | $149,000 |
| Loan Originated |
63 | $10,936,000 |
$173,000 | $400,000 |
$68,000 | $180,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
55 | $10,823,000 |
$196,000 | $400,000 |
$63,000 | $209,000 |
| Preapproval Denied by Financial Institution |
14 | $2,160,000 |
$154,000 | $260,000 |
$39,000 | $115,000 |
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| Collateral |
2 | $360,000 |
$180,000 | $200,000 |
$71,000 | $106,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
8 | $1,177,000 |
$147,000 | $260,000 |
$54,000 | $115,000 |
| Debt-To-Income Ratio |
23 | $4,362,000 |
$189,000 | $417,000 |
$37,000 | $101,000 |
| 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 |
2 | $167,000 |
$83,000 | $120,000 |
$55,000 | $65,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for PACIFIC NW FCU by:
Metropolitan Area And
County
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