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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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WEST VIRGINIA CENTRAL CREDIT U
Mortgage Loans and Application Details
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| Mortgage Company Name |
WEST VIRGINIA CENTRAL CREDIT U |
| Address | 1306 MURDOCH AVENUE
PARKERSBURG, WV 26101 |
| Agency | National Credit Union Administration (NCUA) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 101 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $5,631,000 |
| Average Mortgage Loan Amount Applied For | $64,947 |
| Highest Mortgage Loan Amount Applied For | $185,000 |
| Average Applicant Income | $56,157 |
| Highest Applicant Income | $125,000 |
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| Home Improvement |
7 | $56,000 |
$8,000 | $32,000 |
$45,000 | $110,000 |
| Home Purchase |
27 | $1,310,000 |
$48,000 | $150,000 |
$31,000 | $78,000 |
| Refinancing |
68 | $4,315,000 |
$63,000 | $185,000 |
$49,000 | $125,000 |
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| American Indian or Alaskan Native |
2 | $114,000 |
$57,000 | $90,000 |
$31,000 | $37,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
2 | $144,000 |
$72,000 | $94,000 |
$35,000 | $56,000 |
| Hispanic |
1 | $80,000 |
$80,000 | $80,000 |
$53,000 | $53,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
1 | $55,000 |
$55,000 | $55,000 |
$27,000 | $27,000 |
| White |
96 | $5,288,000 |
$55,000 | $185,000 |
$44,000 | $125,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
102 | $5,681,000 |
$55,000 | $185,000 |
$44,000 | $125,000 |
| 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 |
7 | $497,000 |
$71,000 | $150,000 |
$52,000 | $125,000 |
| Application Denied By Financial Institution |
33 | $1,747,000 |
$52,000 | $128,000 |
$40,000 | $91,000 |
| Application Withdrawn By Applicant |
21 | $1,381,000 |
$65,000 | $150,000 |
$41,000 | $112,000 |
| File Closed For Incompleteness |
1 | $25,000 |
$25,000 | $25,000 |
$61,000 | $61,000 |
| Loan Originated |
39 | $1,981,000 |
$50,000 | $185,000 |
$47,000 | $112,000 |
| 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 | $50,000 |
$50,000 | $50,000 |
$15,000 | $15,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
24 | $1,198,000 |
$49,000 | $92,000 |
$43,000 | $91,000 |
| Debt-To-Income Ratio |
6 | $466,000 |
$77,000 | $128,000 |
$35,000 | $59,000 |
| 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 |
3 | $93,000 |
$31,000 | $37,000 |
$21,000 | $24,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for WEST VIRGINIA CENTRAL CREDIT U by:
Metropolitan Area And
County
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