GEORGIA HERITAGE FCU - $2,240,000 in Mortgage Loans Applied for in 2006 - SAVANNAH, GA 1085 W LATHROP AVE 31402 2006 Mortgage Information

$6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications

GEORGIA HERITAGE FCU
Mortgage Loans and Application Details

Mortgage Lender Information for 2006
Mortgage Company Name	GEORGIA HERITAGE FCU
Address	1085 W LATHROP AVE SAVANNAH, GA 31402
Agency	National Credit Union Administration (NCUA)
Year	2006
All Data Years	2003 2004 2005 2006
Total Number of Mortgage Loan Applications Processed	14
Total Dollar Amount of Mortgage Loan Applications Processed	$2,240,000
Average Mortgage Loan Amount Applied For	$188,285
Highest Mortgage Loan Amount Applied For	$535,000
Average Applicant Income	$89,571
Highest Applicant Income	$216,000

Mortgage Application Totals by Loan Purpose for GEORGIA HERITAGE FCU in 2006
Loan Purpose	Total Number of Mortgage Applications	Total Dollar Amount of Mortgage Loans Applied For	Average Mortgage Loan Amount	Highest Mortgage Loan Amount	Average Applicant Income	Highest Applicant Income
Home Improvement	0	$0	$0	$0	$0	$0
Home Purchase	6	$1,255,000	$209,000	$535,000	$92,000	$216,000
Refinancing	8	$985,000	$123,000	$257,000	$59,000	$94,000

Mortgage Application Totals by Loan Applicant Race for GEORGIA HERITAGE FCU in 2006
Applicant Race	Total Number of Mortgage Applications	Total Dollar Amount of Mortgage Loans Applied For	Average Mortgage Loan Amount	Highest Mortgage Loan Amount	Average Applicant Income	Highest Applicant Income
American Indian or Alaskan Native	0	$0	$0	$0	$0	$0
Asian	0	$0	$0	$0	$0	$0
Black or African American	1	$176,000	$176,000	$176,000	$60,000	$60,000
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	13	$2,064,000	$158,000	$535,000	$74,000	$216,000

Mortgage Application Totals by Loan Type for GEORGIA HERITAGE FCU in 2006
Loan Type	Total Number of Mortgage Applications	Total Dollar Amount of Mortgage Loans Applied For	Average Mortgage Loan Amount	Highest Mortgage Loan Amount	Average Applicant Income	Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans)	14	$2,240,000	$160,000	$535,000	$73,000	$216,000
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

Mortgage Application Totals by Loan Outcome for GEORGIA HERITAGE FCU in 2006
Outcome	Total Number of Mortgage Applications	Total Dollar Amount of Mortgage Loans Applied For	Average Mortgage Loan Amount	Highest Mortgage Loan Amount	Average Applicant Income	Highest Applicant Income
Application Approved But Not Accepted	0	$0	$0	$0	$0	$0
Application Denied By Financial Institution	0	$0	$0	$0	$0	$0
Application Withdrawn By Applicant	0	$0	$0	$0	$0	$0
File Closed For Incompleteness	0	$0	$0	$0	$0	$0
Loan Originated	14	$2,240,000	$160,000	$535,000	$73,000	$216,000
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

Mortgage Application Totals by Loan Denial Reason for GEORGIA HERITAGE FCU in 2006
Denial Reason	Total Number of Mortgage Applications	Total Dollar Amount of Mortgage Loans Applied For	Average Mortgage Loan Amount	Highest Mortgage Loan Amount	Average Applicant Income	Highest Applicant Income
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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