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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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PANHANDLE EDUCATORS F.C.U
Mortgage Loans and Application Details
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| Mortgage Company Name |
PANHANDLE EDUCATORS F.C.U |
| Address | 2718 HWY 77
PANAMA CITY, FL 32405 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 67 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $5,351,000 |
| Average Mortgage Loan Amount Applied For | $83,250 |
| Highest Mortgage Loan Amount Applied For | $440,000 |
| Average Applicant Income | $60,250 |
| Highest Applicant Income | $464,000 |
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| Home Improvement |
5 | $155,000 |
$31,000 | $40,000 |
$71,000 | $102,000 |
| Home Purchase |
14 | $1,436,000 |
$102,000 | $253,000 |
$84,000 | $464,000 |
| Refinancing |
48 | $3,760,000 |
$78,000 | $440,000 |
$55,000 | $167,000 |
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| American Indian or Alaskan Native |
1 | $20,000 |
$20,000 | $20,000 |
$70,000 | $70,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
5 | $292,000 |
$58,000 | $101,000 |
$51,000 | $146,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
61 | $5,039,000 |
$82,000 | $440,000 |
$63,000 | $464,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
67 | $5,351,000 |
$79,000 | $440,000 |
$62,000 | $464,000 |
| 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 |
8 | $708,000 |
$88,000 | $240,000 |
$44,000 | $72,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
59 | $4,643,000 |
$78,000 | $440,000 |
$65,000 | $464,000 |
| 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 |
1 | $240,000 |
$240,000 | $240,000 |
$35,000 | $35,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $288,000 |
$72,000 | $110,000 |
$44,000 | $70,000 |
| Debt-To-Income Ratio |
3 | $180,000 |
$60,000 | $105,000 |
$48,000 | $72,000 |
| 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 PANHANDLE EDUCATORS F.C.U by:
Metropolitan Area And
County
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