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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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QUALSTAR CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
QUALSTAR CREDIT UNION |
| Address | PO BOX 96730
BELLEVUE, WA 98009 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 376 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $34,408,000 |
| Average Mortgage Loan Amount Applied For | $91,058 |
| Highest Mortgage Loan Amount Applied For | $539,000 |
| Average Applicant Income | $69,235 |
| Highest Applicant Income | $585,000 |
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| Home Improvement |
109 | $4,656,000 |
$42,000 | $130,000 |
$72,000 | $138,000 |
| Home Purchase |
44 | $8,883,000 |
$201,000 | $539,000 |
$80,000 | $202,000 |
| Refinancing |
234 | $23,313,000 |
$99,000 | $371,000 |
$75,000 | $585,000 |
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| American Indian or Alaskan Native |
2 | $348,000 |
$174,000 | $248,000 |
$51,000 | $56,000 |
| Asian |
12 | $1,125,000 |
$93,000 | $306,000 |
$87,000 | $274,000 |
| Black or African American |
25 | $2,206,000 |
$88,000 | $270,000 |
$65,000 | $128,000 |
| Hispanic |
25 | $2,081,000 |
$83,000 | $368,000 |
$68,000 | $132,000 |
| Native Hawaiin or Other Pacific Islander |
4 | $335,000 |
$83,000 | $130,000 |
$78,000 | $102,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
6 | $470,000 |
$78,000 | $340,000 |
$62,000 | $90,000 |
| White |
313 | $30,287,000 |
$96,000 | $539,000 |
$76,000 | $585,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
387 | $36,852,000 |
$95,000 | $539,000 |
$75,000 | $585,000 |
| 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 |
40 | $3,176,000 |
$79,000 | $371,000 |
$72,000 | $137,000 |
| Application Denied By Financial Institution |
28 | $1,952,000 |
$69,000 | $368,000 |
$70,000 | $141,000 |
| Application Withdrawn By Applicant |
24 | $3,140,000 |
$130,000 | $409,000 |
$83,000 | $274,000 |
| File Closed For Incompleteness |
1 | $176,000 |
$176,000 | $176,000 |
$50,000 | $50,000 |
| Loan Originated |
285 | $26,255,000 |
$92,000 | $539,000 |
$75,000 | $585,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
9 | $2,153,000 |
$239,000 | $484,000 |
$85,000 | $183,000 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
18 | $1,082,000 |
$60,000 | $120,000 |
$72,000 | $141,000 |
| Debt-To-Income Ratio |
6 | $605,000 |
$100,000 | $368,000 |
$69,000 | $132,000 |
| Employment History |
1 | $51,000 |
$51,000 | $51,000 |
$78,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $135,000 |
$67,000 | $70,000 |
$62,000 | $65,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for QUALSTAR CREDIT UNION by:
Metropolitan Area And
County
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