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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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PEARL HARBOR FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
PEARL HARBOR FCU |
| Address | 94-449 UKEE STREET
WAIPAHU, HI 96797 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 203 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $20,200,000 |
| Average Mortgage Loan Amount Applied For | $69,000 |
| Highest Mortgage Loan Amount Applied For | $375,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $260,000 |
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| Home Improvement |
126 | $10,405,000 |
$82,000 | $360,000 |
$92,000 | $260,000 |
| Home Purchase |
23 | $3,075,000 |
$133,000 | $367,000 |
$80,000 | $132,000 |
| Refinancing |
54 | $6,720,000 |
$124,000 | $375,000 |
$85,000 | $260,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
136 | $12,627,000 |
$92,000 | $250,000 |
$89,000 | $260,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
11 | $1,031,000 |
$93,000 | $193,000 |
$76,000 | $141,000 |
| Native Hawaiin or Other Pacific Islander |
22 | $2,592,000 |
$117,000 | $367,000 |
$77,000 | $194,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
2 | $120,000 |
$60,000 | $100,000 |
$78,000 | $111,000 |
| White |
32 | $3,830,000 |
$119,000 | $375,000 |
$101,000 | $206,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
203 | $20,200,000 |
$99,000 | $375,000 |
$89,000 | $260,000 |
| 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 |
14 | $1,984,000 |
$141,000 | $367,000 |
$76,000 | $153,000 |
| Application Denied By Financial Institution |
8 | $1,058,000 |
$132,000 | $270,000 |
$52,000 | $111,000 |
| Application Withdrawn By Applicant |
2 | $43,000 |
$21,000 | $30,000 |
$58,000 | $62,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
179 | $17,115,000 |
$95,000 | $375,000 |
$92,000 | $260,000 |
| 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 |
2 | $213,000 |
$106,000 | $150,000 |
$42,000 | $44,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $540,000 |
$135,000 | $200,000 |
$59,000 | $111,000 |
| Debt-To-Income Ratio |
1 | $35,000 |
$35,000 | $35,000 |
$60,000 | $60,000 |
| Employment History |
1 | $270,000 |
$270,000 | $270,000 |
$42,000 | $42,000 |
| 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 PEARL HARBOR FCU by:
Metropolitan Area And
County
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