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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 | PO BOX 1313
ROME, GA 30162 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 158 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $22,043,000 |
| Average Mortgage Loan Amount Applied For | $506,200 |
| Highest Mortgage Loan Amount Applied For | $3,750,000 |
| Average Applicant Income | $107,800 |
| Highest Applicant Income | $1,954,000 |
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| Home Improvement |
39 | $740,000 |
$18,000 | $87,000 |
$47,000 | $179,000 |
| Home Purchase |
55 | $7,685,000 |
$139,000 | $500,000 |
$121,000 | $685,000 |
| Refinancing |
64 | $13,618,000 |
$212,000 | $3,750,000 |
$118,000 | $1,954,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $360,000 |
$360,000 | $360,000 |
$0 | $0 |
| Black or African American |
10 | $906,000 |
$90,000 | $465,000 |
$87,000 | $325,000 |
| Hispanic |
7 | $119,000 |
$17,000 | $37,000 |
$65,000 | $176,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
16 | $3,086,000 |
$192,000 | $981,000 |
$48,000 | $685,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
124 | $17,572,000 |
$141,000 | $3,750,000 |
$113,000 | $1,954,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
158 | $22,043,000 |
$139,000 | $3,750,000 |
$102,000 | $1,954,000 |
| 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 |
1 | $50,000 |
$50,000 | $50,000 |
$68,000 | $68,000 |
| Application Denied By Financial Institution |
10 | $447,000 |
$44,000 | $360,000 |
$30,000 | $82,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
146 | $17,796,000 |
$121,000 | $981,000 |
$108,000 | $1,954,000 |
| Loan Purchased By The Institution |
1 | $3,750,000 |
$3,750,000 | $3,750,000 |
$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 | $360,000 |
$360,000 | $360,000 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
5 | $69,000 |
$13,000 | $33,000 |
$32,000 | $82,000 |
| Debt-To-Income Ratio |
4 | $18,000 |
$4,000 | $5,000 |
$35,000 | $67,000 |
| 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 |
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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