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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 COMMERCE NATIONAL BAN
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS COMMERCE NATIONAL BAN |
| Address | P. O. BOX 1028
VERSAILLES, KY 40383 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 137 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $15,701,000 |
| Average Mortgage Loan Amount Applied For | $128,800 |
| Highest Mortgage Loan Amount Applied For | $512,000 |
| Average Applicant Income | $80,800 |
| Highest Applicant Income | $510,000 |
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| Home Improvement |
16 | $564,000 |
$35,000 | $300,000 |
$90,000 | $227,000 |
| Home Purchase |
55 | $7,596,000 |
$138,000 | $479,000 |
$102,000 | $510,000 |
| Refinancing |
66 | $7,541,000 |
$114,000 | $512,000 |
$65,000 | $300,000 |
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| American Indian or Alaskan Native |
1 | $383,000 |
$383,000 | $383,000 |
$175,000 | $175,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
2 | $59,000 |
$29,000 | $45,000 |
$44,000 | $64,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
10 | $1,436,000 |
$143,000 | $290,000 |
$109,000 | $445,000 |
| Not Provided |
2 | $421,000 |
$210,000 | $221,000 |
$74,000 | $76,000 |
| White |
122 | $13,402,000 |
$109,000 | $512,000 |
$81,000 | $510,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
137 | $15,701,000 |
$114,000 | $512,000 |
$83,000 | $510,000 |
| 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 |
3 | $548,000 |
$182,000 | $300,000 |
$51,000 | $58,000 |
| Application Denied By Financial Institution |
8 | $1,244,000 |
$155,000 | $512,000 |
$34,000 | $56,000 |
| Application Withdrawn By Applicant |
6 | $1,025,000 |
$170,000 | $240,000 |
$45,000 | $76,000 |
| File Closed For Incompleteness |
1 | $200,000 |
$200,000 | $200,000 |
$73,000 | $73,000 |
| Loan Originated |
119 | $12,684,000 |
$106,000 | $479,000 |
$89,000 | $510,000 |
| 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 |
2 | $180,000 |
$90,000 | $95,000 |
$26,000 | $29,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $428,000 |
$107,000 | $136,000 |
$34,000 | $40,000 |
| Debt-To-Income Ratio |
1 | $512,000 |
$512,000 | $512,000 |
$56,000 | $56,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $124,000 |
$124,000 | $124,000 |
$29,000 | $29,000 |
| 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 CITIZENS COMMERCE NATIONAL BAN by:
Metropolitan Area And
County
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