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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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OMEGA FEDERAL CREDIT UNION
Mortgage Loans and Application Details
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| Mortgage Company Name |
OMEGA FEDERAL CREDIT UNION |
| Address | 206 SIEBERT ROAD
PITTSBURGH, PA 15237 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 203 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $7,256,000 |
| Average Mortgage Loan Amount Applied For | $43,809 |
| Highest Mortgage Loan Amount Applied For | $281,000 |
| Average Applicant Income | $78,904 |
| Highest Applicant Income | $210,000 |
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| Home Improvement |
44 | $959,000 |
$21,000 | $90,000 |
$75,000 | $210,000 |
| Home Purchase |
1 | $147,000 |
$147,000 | $147,000 |
$90,000 | $90,000 |
| Refinancing |
158 | $6,150,000 |
$38,000 | $281,000 |
$67,000 | $153,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
8 | $295,000 |
$36,000 | $60,000 |
$93,000 | $114,000 |
| Black or African American |
7 | $231,000 |
$33,000 | $65,000 |
$61,000 | $124,000 |
| Hispanic |
2 | $54,000 |
$27,000 | $30,000 |
$37,000 | $50,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
15 | $464,000 |
$30,000 | $100,000 |
$73,000 | $145,000 |
| White |
171 | $6,212,000 |
$36,000 | $281,000 |
$68,000 | $210,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
203 | $7,256,000 |
$35,000 | $281,000 |
$69,000 | $210,000 |
| 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 |
16 | $504,000 |
$31,000 | $75,000 |
$44,000 | $110,000 |
| Application Withdrawn By Applicant |
6 | $98,000 |
$16,000 | $32,000 |
$74,000 | $112,000 |
| File Closed For Incompleteness |
10 | $297,000 |
$29,000 | $90,000 |
$62,000 | $120,000 |
| Loan Originated |
171 | $6,357,000 |
$37,000 | $281,000 |
$71,000 | $210,000 |
| 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 |
2 | $31,000 |
$15,000 | $19,000 |
$32,000 | $40,000 |
| 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 OMEGA FEDERAL CREDIT UNION by:
Metropolitan Area And
County
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