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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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KEYSTONE FEDERAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
KEYSTONE FEDERAL CREDIT UNION |
| Address | 370 W UWCHLAN AVE
DOWNINGTOWN, PA 19335 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 97 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $4,637,000 |
| Average Mortgage Loan Amount Applied For | $35,333 |
| Highest Mortgage Loan Amount Applied For | $220,000 |
| Average Applicant Income | $99,666 |
| Highest Applicant Income | $445,000 |
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| Home Improvement |
91 | $4,316,000 |
$47,000 | $220,000 |
$103,000 | $445,000 |
| Home Purchase |
1 | $22,000 |
$22,000 | $22,000 |
$200,000 | $200,000 |
| Refinancing |
5 | $299,000 |
$59,000 | $157,000 |
$95,000 | $157,000 |
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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 |
9 | $462,000 |
$51,000 | $100,000 |
$80,000 | $192,000 |
| Hispanic |
3 | $134,000 |
$44,000 | $64,000 |
$52,000 | $68,000 |
| 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 |
85 | $4,041,000 |
$47,000 | $220,000 |
$108,000 | $445,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
97 | $4,637,000 |
$47,000 | $220,000 |
$103,000 | $445,000 |
| 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 |
3 | $92,000 |
$30,000 | $64,000 |
$51,000 | $64,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
94 | $4,545,000 |
$48,000 | $220,000 |
$105,000 | $445,000 |
| 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 |
1 | $15,000 |
$15,000 | $15,000 |
$64,000 | $64,000 |
| Debt-To-Income Ratio |
2 | $77,000 |
$38,000 | $64,000 |
$45,000 | $61,000 |
| 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 KEYSTONE FEDERAL CREDIT UNION by:
Metropolitan Area And
County
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