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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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UNITUS COMMUNITY CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
UNITUS COMMUNITY CREDIT UNION |
| Address | 1300 SW SIXTH AVENUE
PORTLAND, OR 97201 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 391 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $73,854,000 |
| Average Mortgage Loan Amount Applied For | $171,540 |
| Highest Mortgage Loan Amount Applied For | $900,000 |
| Average Applicant Income | $66,297 |
| Highest Applicant Income | $254,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
286 | $59,053,000 |
$206,000 | $698,000 |
$68,000 | $250,000 |
| Refinancing |
244 | $44,226,000 |
$181,000 | $900,000 |
$65,000 | $254,000 |
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| American Indian or Alaskan Native |
8 | $1,788,000 |
$223,000 | $400,000 |
$105,000 | $160,000 |
| Asian |
10 | $2,380,000 |
$238,000 | $491,000 |
$70,000 | $132,000 |
| Black or African American |
13 | $3,100,000 |
$238,000 | $605,000 |
$59,000 | $110,000 |
| Hispanic |
31 | $5,940,000 |
$191,000 | $545,000 |
$62,000 | $160,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $511,000 |
$170,000 | $180,000 |
$58,000 | $80,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
95 | $18,867,000 |
$198,000 | $698,000 |
$68,000 | $162,000 |
| White |
370 | $70,693,000 |
$191,000 | $900,000 |
$66,000 | $254,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
530 | $103,279,000 |
$194,000 | $900,000 |
$66,000 | $254,000 |
| 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 |
96 | $19,128,000 |
$199,000 | $420,000 |
$74,000 | $250,000 |
| Application Denied By Financial Institution |
46 | $9,171,000 |
$199,000 | $545,000 |
$53,000 | $179,000 |
| Application Withdrawn By Applicant |
7 | $1,472,000 |
$210,000 | $460,000 |
$79,000 | $132,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
243 | $44,333,000 |
$182,000 | $900,000 |
$67,000 | $254,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
108 | $22,942,000 |
$212,000 | $698,000 |
$64,000 | $154,000 |
| Preapproval Denied by Financial Institution |
30 | $6,233,000 |
$207,000 | $405,000 |
$61,000 | $160,000 |
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| Collateral |
4 | $438,000 |
$109,000 | $214,000 |
$22,000 | $35,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
47 | $9,426,000 |
$200,000 | $545,000 |
$60,000 | $160,000 |
| Debt-To-Income Ratio |
8 | $1,714,000 |
$214,000 | $305,000 |
$34,000 | $60,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
11 | $2,455,000 |
$223,000 | $491,000 |
$54,000 | $179,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $251,000 |
$125,000 | $145,000 |
$46,000 | $58,000 |
| Unverifiable Information |
3 | $850,000 |
$283,000 | $400,000 |
$106,000 | $160,000 |
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Mortgage Loan App Totals for UNITUS COMMUNITY CREDIT UNION by:
Metropolitan Area And
County
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