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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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A-K VALLEY FEDERAL CREDIT UNIO
Mortgage Loans and Application Details
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| Mortgage Company Name |
A-K VALLEY FEDERAL CREDIT UNIO |
| Address | 3271 LEECHBURG ROAD
LOWER BURRELL, PA 15068 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 127 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $5,686,000 |
| Average Mortgage Loan Amount Applied For | $70,666 |
| Highest Mortgage Loan Amount Applied For | $249,000 |
| Average Applicant Income | $82,111 |
| Highest Applicant Income | $200,000 |
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| Home Improvement |
32 | $784,000 |
$24,000 | $87,000 |
$57,000 | $144,000 |
| Home Purchase |
14 | $1,099,000 |
$78,000 | $232,000 |
$61,000 | $154,000 |
| Refinancing |
81 | $3,803,000 |
$46,000 | $249,000 |
$59,000 | $200,000 |
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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 |
4 | $145,000 |
$36,000 | $70,000 |
$47,000 | $90,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
123 | $5,541,000 |
$45,000 | $249,000 |
$59,000 | $200,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
127 | $5,686,000 |
$44,000 | $249,000 |
$59,000 | $200,000 |
| 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 |
13 | $463,000 |
$35,000 | $87,000 |
$46,000 | $86,000 |
| Application Withdrawn By Applicant |
4 | $159,000 |
$39,000 | $75,000 |
$29,000 | $38,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
110 | $5,064,000 |
$46,000 | $249,000 |
$62,000 | $200,000 |
| 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 |
11 | $346,000 |
$31,000 | $87,000 |
$48,000 | $86,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $59,000 |
$59,000 | $59,000 |
$52,000 | $52,000 |
| Debt-To-Income Ratio |
1 | $58,000 |
$58,000 | $58,000 |
$24,000 | $24,000 |
| 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 A-K VALLEY FEDERAL CREDIT UNIO by:
Metropolitan Area And
County
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