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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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PARK COMMUNITY FEDERAL CREDIT
Mortgage Loans and Application Details
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| Mortgage Company Name |
PARK COMMUNITY FEDERAL CREDIT |
| Address | 6101 FERN VALLEY ROAD
LOUISVILLE, KY 40228 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 344 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $30,091,000 |
| Average Mortgage Loan Amount Applied For | $89,380 |
| Highest Mortgage Loan Amount Applied For | $690,000 |
| Average Applicant Income | $62,547 |
| Highest Applicant Income | $170,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
114 | $13,957,000 |
$122,000 | $425,000 |
$61,000 | $172,000 |
| Refinancing |
260 | $20,101,000 |
$77,000 | $690,000 |
$62,000 | $170,000 |
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| American Indian or Alaskan Native |
1 | $91,000 |
$91,000 | $91,000 |
$27,000 | $27,000 |
| Asian |
1 | $162,000 |
$162,000 | $162,000 |
$65,000 | $65,000 |
| Black or African American |
45 | $4,071,000 |
$90,000 | $222,000 |
$56,000 | $117,000 |
| Hispanic |
1 | $208,000 |
$208,000 | $208,000 |
$64,000 | $64,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $35,000 |
$35,000 | $35,000 |
$76,000 | $76,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
73 | $9,927,000 |
$135,000 | $625,000 |
$67,000 | $165,000 |
| White |
252 | $19,564,000 |
$77,000 | $690,000 |
$61,000 | $172,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
374 | $34,058,000 |
$91,000 | $690,000 |
$62,000 | $172,000 |
| 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 |
5 | $481,000 |
$96,000 | $208,000 |
$52,000 | $85,000 |
| Application Denied By Financial Institution |
67 | $6,350,000 |
$94,000 | $228,000 |
$45,000 | $114,000 |
| Application Withdrawn By Applicant |
27 | $3,495,000 |
$129,000 | $425,000 |
$60,000 | $141,000 |
| File Closed For Incompleteness |
24 | $3,206,000 |
$133,000 | $400,000 |
$72,000 | $172,000 |
| Loan Originated |
250 | $20,436,000 |
$81,000 | $690,000 |
$66,000 | $170,000 |
| 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 |
1 | $90,000 |
$90,000 | $90,000 |
$26,000 | $26,000 |
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| Collateral |
5 | $390,000 |
$78,000 | $183,000 |
$55,000 | $100,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
25 | $2,345,000 |
$93,000 | $228,000 |
$45,000 | $101,000 |
| Debt-To-Income Ratio |
33 | $3,214,000 |
$97,000 | $180,000 |
$42,000 | $114,000 |
| Employment History |
4 | $466,000 |
$116,000 | $169,000 |
$44,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $25,000 |
$25,000 | $25,000 |
$55,000 | $55,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for PARK COMMUNITY FEDERAL CREDIT by:
Metropolitan Area And
County
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