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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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POINT WEST CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
POINT WEST CREDIT UNION |
| Address | 718 NE 12TH AVE
PORTLAND, OR 97232 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 116 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,453,000 |
| Average Mortgage Loan Amount Applied For | $43,777 |
| Highest Mortgage Loan Amount Applied For | $250,000 |
| Average Applicant Income | $88,777 |
| Highest Applicant Income | $360,000 |
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| Home Improvement |
84 | $2,902,000 |
$34,000 | $150,000 |
$71,000 | $360,000 |
| Home Purchase |
6 | $813,000 |
$135,000 | $212,000 |
$72,000 | $130,000 |
| Refinancing |
32 | $3,594,000 |
$112,000 | $500,000 |
$90,000 | $300,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
120 | $7,181,000 |
$59,000 | $500,000 |
$76,000 | $360,000 |
| White |
2 | $128,000 |
$64,000 | $117,000 |
$46,000 | $53,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
122 | $7,309,000 |
$59,000 | $500,000 |
$76,000 | $360,000 |
| 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 |
6 | $856,000 |
$142,000 | $500,000 |
$70,000 | $200,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
116 | $6,453,000 |
$55,000 | $250,000 |
$76,000 | $360,000 |
| 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 | $90,000 |
$90,000 | $90,000 |
$51,000 | $51,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
2 | $54,000 |
$27,000 | $30,000 |
$48,000 | $53,000 |
| Debt-To-Income Ratio |
1 | $22,000 |
$22,000 | $22,000 |
$15,000 | $15,000 |
| Employment History |
1 | $190,000 |
$190,000 | $190,000 |
$62,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $500,000 |
$500,000 | $500,000 |
$200,000 | $200,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for POINT WEST CREDIT UNION by:
Metropolitan Area And
County
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