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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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TWINSTAR CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
TWINSTAR CREDIT UNION |
| Address | P.O. BOX 718
OLYMPIA, WA 98507 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 882 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $101,139,000 |
| Average Mortgage Loan Amount Applied For | $142,212 |
| Highest Mortgage Loan Amount Applied For | $750,000 |
| Average Applicant Income | $81,272 |
| Highest Applicant Income | $484,000 |
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| Home Improvement |
227 | $7,387,000 |
$32,000 | $362,000 |
$69,000 | $380,000 |
| Home Purchase |
316 | $46,866,000 |
$148,000 | $584,000 |
$71,000 | $383,000 |
| Refinancing |
342 | $47,245,000 |
$138,000 | $750,000 |
$64,000 | $484,000 |
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| American Indian or Alaskan Native |
12 | $1,070,000 |
$89,000 | $228,000 |
$62,000 | $94,000 |
| Asian |
22 | $2,454,000 |
$111,000 | $440,000 |
$66,000 | $148,000 |
| Black or African American |
9 | $1,511,000 |
$167,000 | $376,000 |
$105,000 | $160,000 |
| Hispanic |
15 | $2,163,000 |
$144,000 | $298,000 |
$68,000 | $112,000 |
| Native Hawaiin or Other Pacific Islander |
7 | $1,008,000 |
$144,000 | $253,000 |
$78,000 | $93,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
109 | $6,250,000 |
$57,000 | $342,000 |
$63,000 | $380,000 |
| White |
711 | $87,042,000 |
$122,000 | $750,000 |
$68,000 | $484,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
870 | $98,898,000 |
$113,000 | $750,000 |
$68,000 | $484,000 |
| FHA-insured (Federal Housing Administration) |
9 | $1,439,000 |
$159,000 | $231,000 |
$49,000 | $69,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
6 | $1,161,000 |
$193,000 | $270,000 |
$59,000 | $106,000 |
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| Application Approved But Not Accepted |
14 | $828,000 |
$59,000 | $274,000 |
$67,000 | $116,000 |
| Application Denied By Financial Institution |
70 | $7,496,000 |
$107,000 | $380,000 |
$61,000 | $148,000 |
| Application Withdrawn By Applicant |
93 | $13,985,000 |
$150,000 | $750,000 |
$68,000 | $484,000 |
| File Closed For Incompleteness |
36 | $4,969,000 |
$138,000 | $245,000 |
$54,000 | $136,000 |
| Loan Originated |
672 | $74,220,000 |
$110,000 | $584,000 |
$69,000 | $380,000 |
| 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 |
9 | $301,000 |
$33,000 | $65,000 |
$65,000 | $148,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
31 | $3,984,000 |
$128,000 | $380,000 |
$69,000 | $109,000 |
| Debt-To-Income Ratio |
20 | $1,828,000 |
$91,000 | $250,000 |
$52,000 | $127,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
4 | $657,000 |
$164,000 | $234,000 |
$54,000 | $72,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
1 | $50,000 |
$50,000 | $50,000 |
$60,000 | $60,000 |
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Mortgage Loan App Totals for TWINSTAR CREDIT UNION by:
Metropolitan Area And
County
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