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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 MORTGAGE LLC
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS FIRST MORTGAGE LLC |
| Address | 525 WATER STREET
PORT HURON, MI 48060 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,787 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $347,098,000 |
| Average Mortgage Loan Amount Applied For | $293,866 |
| Highest Mortgage Loan Amount Applied For | $5,000,000 |
| Average Applicant Income | $107,120 |
| Highest Applicant Income | $3,810,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
916 | $191,550,000 |
$209,000 | $5,000,000 |
$96,000 | $3,810,000 |
| Refinancing |
885 | $157,679,000 |
$178,000 | $2,960,000 |
$76,000 | $984,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
12 | $2,031,000 |
$169,000 | $299,000 |
$220,000 | $1,876,000 |
| Black or African American |
29 | $11,119,000 |
$383,000 | $2,832,000 |
$116,000 | $767,000 |
| Hispanic |
27 | $4,041,000 |
$149,000 | $552,000 |
$58,000 | $132,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $293,000 |
$293,000 | $293,000 |
$101,000 | $101,000 |
| Not applicable |
8 | $925,000 |
$115,000 | $208,000 |
$0 | $0 |
| Not Provided |
50 | $10,820,000 |
$216,000 | $931,000 |
$225,000 | $1,598,000 |
| White |
1,674 | $320,000,000 |
$191,000 | $5,000,000 |
$81,000 | $3,810,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,801 | $349,229,000 |
$193,000 | $5,000,000 |
$86,000 | $3,810,000 |
| 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 |
66 | $11,118,000 |
$168,000 | $552,000 |
$66,000 | $303,000 |
| Application Denied By Financial Institution |
40 | $5,183,000 |
$129,000 | $468,000 |
$55,000 | $171,000 |
| Application Withdrawn By Applicant |
329 | $67,574,000 |
$205,000 | $2,800,000 |
$84,000 | $1,100,000 |
| File Closed For Incompleteness |
55 | $10,656,000 |
$193,000 | $960,000 |
$67,000 | $1,200,000 |
| Loan Originated |
1,293 | $252,206,000 |
$195,000 | $5,000,000 |
$90,000 | $3,810,000 |
| Loan Purchased By The Institution |
4 | $361,000 |
$90,000 | $166,000 |
$0 | $0 |
| Preapproval Approved but not Accepted |
14 | $2,131,000 |
$152,000 | $320,000 |
$71,000 | $121,000 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 MORTGAGE LLC by:
Metropolitan Area And
County
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