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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 STATE EMPLOYEES CU
Mortgage Loans and Application Details
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| Mortgage Company Name |
PA STATE EMPLOYEES CU |
| Address | PO BOX 67013
HARRISBURG, PA 17106 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 3,855 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $206,589,000 |
| Average Mortgage Loan Amount Applied For | $63,548 |
| Highest Mortgage Loan Amount Applied For | $630,000 |
| Average Applicant Income | $81,114 |
| Highest Applicant Income | $899,000 |
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| Home Improvement |
1,800 | $45,705,000 |
$25,000 | $400,000 |
$80,000 | $899,000 |
| Home Purchase |
459 | $59,389,000 |
$129,000 | $417,000 |
$68,000 | $771,000 |
| Refinancing |
1,641 | $107,718,000 |
$65,000 | $630,000 |
$78,000 | $700,000 |
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| American Indian or Alaskan Native |
16 | $742,000 |
$46,000 | $234,000 |
$72,000 | $138,000 |
| Asian |
35 | $4,105,000 |
$117,000 | $630,000 |
$85,000 | $317,000 |
| Black or African American |
114 | $8,542,000 |
$74,000 | $330,000 |
$71,000 | $374,000 |
| Hispanic |
47 | $3,408,000 |
$72,000 | $446,000 |
$69,000 | $138,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $172,000 |
$172,000 | $172,000 |
$70,000 | $70,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1,406 | $55,327,000 |
$39,000 | $450,000 |
$80,000 | $700,000 |
| White |
2,281 | $140,516,000 |
$61,000 | $474,000 |
$77,000 | $899,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
3,900 | $212,812,000 |
$54,000 | $630,000 |
$78,000 | $899,000 |
| 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 |
229 | $9,185,000 |
$40,000 | $300,000 |
$81,000 | $771,000 |
| Application Denied By Financial Institution |
392 | $23,572,000 |
$60,000 | $446,000 |
$63,000 | $700,000 |
| Application Withdrawn By Applicant |
218 | $18,646,000 |
$85,000 | $630,000 |
$83,000 | $325,000 |
| File Closed For Incompleteness |
103 | $7,661,000 |
$74,000 | $450,000 |
$98,000 | $345,000 |
| Loan Originated |
2,913 | $147,525,000 |
$50,000 | $417,000 |
$79,000 | $899,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
1 | $160,000 |
$160,000 | $160,000 |
$68,000 | $68,000 |
| Preapproval Denied by Financial Institution |
44 | $6,063,000 |
$137,000 | $302,000 |
$56,000 | $155,000 |
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| 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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Mortgage Loan App Totals for PA STATE EMPLOYEES CU by:
Metropolitan Area And
County
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