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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 FIRST BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS FIRST BANK |
| Address | 1065 ASHLEY STREET SUITE 200
BOWLING GREEN, KY 42103 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 141 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $17,216,000 |
| Average Mortgage Loan Amount Applied For | $135,307 |
| Highest Mortgage Loan Amount Applied For | $2,200,000 |
| Average Applicant Income | $37,615 |
| Highest Applicant Income | $236,000 |
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| Home Improvement |
16 | $321,000 |
$20,000 | $75,000 |
$51,000 | $75,000 |
| Home Purchase |
65 | $9,470,000 |
$145,000 | $2,200,000 |
$48,000 | $176,000 |
| Refinancing |
60 | $7,425,000 |
$123,000 | $760,000 |
$66,000 | $236,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $185,000 |
$92,000 | $170,000 |
$92,000 | $136,000 |
| Black or African American |
3 | $238,000 |
$79,000 | $137,000 |
$67,000 | $150,000 |
| Hispanic |
2 | $213,000 |
$106,000 | $207,000 |
$18,000 | $36,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
11 | $3,892,000 |
$353,000 | $2,200,000 |
$0 | $0 |
| Not Provided |
15 | $1,858,000 |
$123,000 | $675,000 |
$45,000 | $180,000 |
| White |
108 | $10,830,000 |
$100,000 | $760,000 |
$63,000 | $236,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
138 | $17,003,000 |
$123,000 | $2,200,000 |
$57,000 | $236,000 |
| FHA-insured (Federal Housing Administration) |
3 | $213,000 |
$71,000 | $84,000 |
$37,000 | $55,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
16 | $1,259,000 |
$78,000 | $170,000 |
$36,000 | $100,000 |
| Application Withdrawn By Applicant |
33 | $4,878,000 |
$147,000 | $675,000 |
$54,000 | $180,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
91 | $10,579,000 |
$116,000 | $2,200,000 |
$61,000 | $236,000 |
| Loan Purchased By The Institution |
1 | $500,000 |
$500,000 | $500,000 |
$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 | $77,000 |
$77,000 | $77,000 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
15 | $1,182,000 |
$78,000 | $170,000 |
$39,000 | $100,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 CITIZENS FIRST BANK by:
Metropolitan Area And
County
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