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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 NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS FIRST NATIONAL BANK |
| Address | 128 E DAKOTA ST/BOX C
SPRING VALLEY, IL 61362 |
| 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 | 716 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $107,712,000 |
| Average Mortgage Loan Amount Applied For | $185,444 |
| Highest Mortgage Loan Amount Applied For | $1,885,000 |
| Average Applicant Income | $94,044 |
| Highest Applicant Income | $768,000 |
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| Home Improvement |
13 | $433,000 |
$33,000 | $114,000 |
$90,000 | $230,000 |
| Home Purchase |
366 | $52,628,000 |
$143,000 | $1,885,000 |
$75,000 | $609,000 |
| Refinancing |
338 | $54,707,000 |
$161,000 | $1,460,000 |
$79,000 | $768,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $1,295,000 |
$647,000 | $984,000 |
$178,000 | $263,000 |
| Black or African American |
1 | $45,000 |
$45,000 | $45,000 |
$38,000 | $38,000 |
| Hispanic |
30 | $3,195,000 |
$106,000 | $300,000 |
$57,000 | $108,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
6 | $518,000 |
$86,000 | $153,000 |
$121,000 | $185,000 |
| White |
678 | $102,715,000 |
$151,000 | $1,885,000 |
$77,000 | $768,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
717 | $107,768,000 |
$150,000 | $1,885,000 |
$77,000 | $768,000 |
| 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 |
20 | $2,582,000 |
$129,000 | $311,000 |
$57,000 | $108,000 |
| Application Denied By Financial Institution |
10 | $1,158,000 |
$115,000 | $265,000 |
$43,000 | $111,000 |
| Application Withdrawn By Applicant |
21 | $2,681,000 |
$127,000 | $408,000 |
$71,000 | $173,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
666 | $101,347,000 |
$152,000 | $1,885,000 |
$78,000 | $768,000 |
| 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 |
1 | $79,000 |
$79,000 | $79,000 |
$25,000 | $25,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
6 | $495,000 |
$82,000 | $150,000 |
$43,000 | $96,000 |
| Debt-To-Income Ratio |
3 | $584,000 |
$194,000 | $265,000 |
$49,000 | $111,000 |
| 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 NATIONAL BANK by:
Metropolitan Area And
County
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