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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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PA CENTRAL FCU
Mortgage Loans and Application Details
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| Mortgage Company Name |
PA CENTRAL FCU |
| Address | 959 EAST PARK DRIVE
HARRISBURG, PA 17111 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 195 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $7,194,000 |
| Average Mortgage Loan Amount Applied For | $32,230 |
| Highest Mortgage Loan Amount Applied For | $270,000 |
| Average Applicant Income | $65,500 |
| Highest Applicant Income | $214,000 |
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| Home Improvement |
111 | $2,243,000 |
$20,000 | $158,000 |
$65,000 | $142,000 |
| Home Purchase |
2 | $151,000 |
$75,000 | $120,000 |
$99,000 | $115,000 |
| Refinancing |
82 | $4,800,000 |
$58,000 | $270,000 |
$69,000 | $214,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $24,000 |
$12,000 | $22,000 |
$78,000 | $81,000 |
| Black or African American |
12 | $403,000 |
$33,000 | $121,000 |
$54,000 | $120,000 |
| Hispanic |
4 | $32,000 |
$8,000 | $20,000 |
$43,000 | $64,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $38,000 |
$38,000 | $38,000 |
$40,000 | $40,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
6 | $72,000 |
$12,000 | $31,000 |
$61,000 | $84,000 |
| White |
170 | $6,625,000 |
$38,000 | $270,000 |
$68,000 | $214,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
195 | $7,194,000 |
$36,000 | $270,000 |
$67,000 | $214,000 |
| 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 |
35 | $1,058,000 |
$30,000 | $140,000 |
$51,000 | $127,000 |
| Application Withdrawn By Applicant |
10 | $363,000 |
$36,000 | $121,000 |
$63,000 | $135,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
150 | $5,773,000 |
$38,000 | $270,000 |
$71,000 | $214,000 |
| 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 |
4 | $222,000 |
$55,000 | $140,000 |
$51,000 | $78,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
16 | $403,000 |
$25,000 | $90,000 |
$60,000 | $127,000 |
| Debt-To-Income Ratio |
15 | $433,000 |
$28,000 | $100,000 |
$42,000 | $79,000 |
| 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 PA CENTRAL FCU by:
Metropolitan Area And
County
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