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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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FAMILY SAVINGS FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
FAMILY SAVINGS FCU |
| Address | 711 EAST MEIGHAN BLVD
GADSDEN, AL 35903 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 295 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $18,790,000 |
| Average Mortgage Loan Amount Applied For | $85,368 |
| Highest Mortgage Loan Amount Applied For | $311,000 |
| Average Applicant Income | $50,789 |
| Highest Applicant Income | $131,000 |
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| Home Improvement |
15 | $713,000 |
$47,000 | $119,000 |
$44,000 | $122,000 |
| Home Purchase |
118 | $6,720,000 |
$56,000 | $311,000 |
$42,000 | $131,000 |
| Refinancing |
179 | $12,320,000 |
$68,000 | $281,000 |
$44,000 | $127,000 |
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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 |
31 | $1,462,000 |
$47,000 | $200,000 |
$39,000 | $94,000 |
| Hispanic |
2 | $165,000 |
$82,000 | $83,000 |
$28,000 | $30,000 |
| 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 |
279 | $18,126,000 |
$64,000 | $311,000 |
$44,000 | $131,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
312 | $19,753,000 |
$63,000 | $311,000 |
$43,000 | $131,000 |
| 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 |
2 | $235,000 |
$117,000 | $121,000 |
$63,000 | $77,000 |
| Application Denied By Financial Institution |
11 | $615,000 |
$55,000 | $89,000 |
$27,000 | $57,000 |
| Application Withdrawn By Applicant |
4 | $113,000 |
$28,000 | $50,000 |
$34,000 | $62,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
295 | $18,790,000 |
$63,000 | $311,000 |
$44,000 | $131,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 FAMILY SAVINGS FCU by:
Metropolitan Area And
County
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