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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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KEESLER FEDERAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
KEESLER FEDERAL CREDIT UNION |
| Address | 2602 E PASS ROAD
BILOXI, MS 39530 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,040 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $89,647,000 |
| Average Mortgage Loan Amount Applied For | $100,314 |
| Highest Mortgage Loan Amount Applied For | $470,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $480,000 |
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| Home Improvement |
418 | $17,769,000 |
$42,000 | $400,000 |
$64,000 | $141,000 |
| Home Purchase |
507 | $61,917,000 |
$122,000 | $400,000 |
$53,000 | $270,000 |
| Refinancing |
329 | $36,808,000 |
$111,000 | $470,000 |
$62,000 | $480,000 |
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| American Indian or Alaskan Native |
5 | $254,000 |
$50,000 | $95,000 |
$77,000 | $99,000 |
| Asian |
45 | $5,242,000 |
$116,000 | $243,000 |
$49,000 | $102,000 |
| Black or African American |
165 | $14,401,000 |
$87,000 | $282,000 |
$50,000 | $240,000 |
| Hispanic |
41 | $3,302,000 |
$80,000 | $190,000 |
$61,000 | $99,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $162,000 |
$54,000 | $85,000 |
$64,000 | $99,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
31 | $2,514,000 |
$81,000 | $171,000 |
$62,000 | $121,000 |
| White |
964 | $90,619,000 |
$94,000 | $470,000 |
$61,000 | $480,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,145 | $102,438,000 |
$89,000 | $470,000 |
$59,000 | $480,000 |
| FHA-insured (Federal Housing Administration) |
29 | $2,918,000 |
$100,000 | $192,000 |
$40,000 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
80 | $11,138,000 |
$139,000 | $285,000 |
$59,000 | $270,000 |
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| Application Approved But Not Accepted |
18 | $1,580,000 |
$87,000 | $172,000 |
$57,000 | $101,000 |
| Application Denied By Financial Institution |
312 | $33,721,000 |
$108,000 | $400,000 |
$47,000 | $240,000 |
| Application Withdrawn By Applicant |
182 | $15,344,000 |
$84,000 | $300,000 |
$65,000 | $480,000 |
| File Closed For Incompleteness |
67 | $8,197,000 |
$122,000 | $250,000 |
$56,000 | $270,000 |
| Loan Originated |
632 | $51,499,000 |
$81,000 | $470,000 |
$64,000 | $238,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
36 | $5,236,000 |
$145,000 | $243,000 |
$53,000 | $105,000 |
| Preapproval Denied by Financial Institution |
7 | $917,000 |
$131,000 | $180,000 |
$49,000 | $124,000 |
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| Collateral |
6 | $269,000 |
$44,000 | $80,000 |
$42,000 | $69,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
170 | $18,248,000 |
$107,000 | $380,000 |
$55,000 | $240,000 |
| Debt-To-Income Ratio |
126 | $14,525,000 |
$115,000 | $400,000 |
$37,000 | $164,000 |
| Employment History |
6 | $690,000 |
$115,000 | $200,000 |
$48,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
3 | $234,000 |
$78,000 | $112,000 |
$26,000 | $38,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $20,000 |
$20,000 | $20,000 |
$61,000 | $61,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for KEESLER FEDERAL CREDIT UNION by:
Metropolitan Area And
County
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