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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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THE FOCUS FEDERAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE FOCUS FEDERAL CREDIT UNION |
| Address | 420 NE 10TH ST
OKLAHOMA CITY, OK 73104 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 119 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $5,699,000 |
| Average Mortgage Loan Amount Applied For | $54,000 |
| Highest Mortgage Loan Amount Applied For | $445,000 |
| Average Applicant Income | $68,272 |
| Highest Applicant Income | $524,000 |
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| Home Improvement |
41 | $1,295,000 |
$31,000 | $130,000 |
$89,000 | $344,000 |
| Home Purchase |
19 | $1,094,000 |
$57,000 | $171,000 |
$60,000 | $125,000 |
| Refinancing |
60 | $3,350,000 |
$55,000 | $445,000 |
$86,000 | $524,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
11 | $996,000 |
$90,000 | $445,000 |
$127,000 | $275,000 |
| Black or African American |
13 | $577,000 |
$44,000 | $82,000 |
$63,000 | $116,000 |
| Hispanic |
1 | $63,000 |
$63,000 | $63,000 |
$32,000 | $32,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
3 | $165,000 |
$55,000 | $88,000 |
$32,000 | $66,000 |
| White |
92 | $3,938,000 |
$42,000 | $171,000 |
$83,000 | $524,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
120 | $5,739,000 |
$47,000 | $445,000 |
$83,000 | $524,000 |
| 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 | $234,000 |
$39,000 | $110,000 |
$19,000 | $44,000 |
| Application Withdrawn By Applicant |
2 | $156,000 |
$78,000 | $86,000 |
$54,000 | $91,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
112 | $5,349,000 |
$47,000 | $445,000 |
$87,000 | $524,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $118,000 |
$29,000 | $40,000 |
$12,000 | $40,000 |
| Debt-To-Income Ratio |
2 | $116,000 |
$58,000 | $110,000 |
$33,000 | $44,000 |
| 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 THE FOCUS FEDERAL CREDIT UNION by:
Metropolitan Area And
County
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