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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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CITIZENS BANK AND TRUST COMPAN
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS BANK AND TRUST COMPAN |
| Address | PO BOX 50
CHILLICOTHE, MO 64601 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 586 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $49,047,000 |
| Average Mortgage Loan Amount Applied For | $101,000 |
| Highest Mortgage Loan Amount Applied For | $432,000 |
| Average Applicant Income | $58,581 |
| Highest Applicant Income | $656,000 |
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| Home Improvement |
24 | $1,277,000 |
$53,000 | $404,000 |
$52,000 | $180,000 |
| Home Purchase |
356 | $28,118,000 |
$78,000 | $417,000 |
$55,000 | $656,000 |
| Refinancing |
206 | $19,652,000 |
$95,000 | $432,000 |
$61,000 | $438,000 |
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| American Indian or Alaskan Native |
1 | $7,000 |
$7,000 | $7,000 |
$14,000 | $14,000 |
| Asian |
4 | $440,000 |
$110,000 | $153,000 |
$87,000 | $131,000 |
| Black or African American |
12 | $1,680,000 |
$140,000 | $432,000 |
$73,000 | $150,000 |
| Hispanic |
7 | $715,000 |
$102,000 | $200,000 |
$76,000 | $206,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $121,000 |
$121,000 | $121,000 |
$54,000 | $54,000 |
| Not applicable |
20 | $1,559,000 |
$77,000 | $193,000 |
$39,000 | $236,000 |
| Not Provided |
5 | $449,000 |
$89,000 | $200,000 |
$47,000 | $99,000 |
| White |
536 | $44,076,000 |
$82,000 | $417,000 |
$57,000 | $656,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
585 | $48,879,000 |
$83,000 | $432,000 |
$57,000 | $656,000 |
| FHA-insured (Federal Housing Administration) |
1 | $168,000 |
$168,000 | $168,000 |
$60,000 | $60,000 |
| 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 |
77 | $6,835,000 |
$88,000 | $250,000 |
$55,000 | $222,000 |
| Application Denied By Financial Institution |
101 | $6,971,000 |
$69,000 | $329,000 |
$38,000 | $214,000 |
| Application Withdrawn By Applicant |
8 | $497,000 |
$62,000 | $112,000 |
$52,000 | $93,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
399 | $34,610,000 |
$86,000 | $432,000 |
$62,000 | $656,000 |
| Loan Purchased By The Institution |
1 | $134,000 |
$134,000 | $134,000 |
$112,000 | $112,000 |
| 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 |
3 | $79,000 |
$26,000 | $46,000 |
$22,000 | $25,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
81 | $5,108,000 |
$63,000 | $329,000 |
$40,000 | $214,000 |
| Debt-To-Income Ratio |
14 | $1,722,000 |
$123,000 | $275,000 |
$36,000 | $61,000 |
| Employment History |
2 | $40,000 |
$20,000 | $32,000 |
$18,000 | $18,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $22,000 |
$22,000 | $22,000 |
$46,000 | $46,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CITIZENS BANK AND TRUST COMPAN by:
Metropolitan Area And
County
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