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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 SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS FIRST SAVINGS BANK |
| 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 | 1,020 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $41,742,000 |
| Average Mortgage Loan Amount Applied For | $51,607 |
| Highest Mortgage Loan Amount Applied For | $478,000 |
| Average Applicant Income | $66,964 |
| Highest Applicant Income | $1,623,000 |
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| Home Improvement |
305 | $6,993,000 |
$22,000 | $150,000 |
$62,000 | $270,000 |
| Home Purchase |
322 | $15,735,000 |
$48,000 | $300,000 |
$55,000 | $360,000 |
| Refinancing |
393 | $19,014,000 |
$48,000 | $478,000 |
$58,000 | $1,623,000 |
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| American Indian or Alaskan Native |
2 | $15,000 |
$7,000 | $8,000 |
$32,000 | $58,000 |
| Asian |
3 | $129,000 |
$43,000 | $60,000 |
$89,000 | $108,000 |
| Black or African American |
12 | $1,153,000 |
$96,000 | $172,000 |
$50,000 | $83,000 |
| Hispanic |
20 | $746,000 |
$37,000 | $88,000 |
$65,000 | $174,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $159,000 |
$159,000 | $159,000 |
$102,000 | $102,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
12 | $890,000 |
$74,000 | $300,000 |
$45,000 | $100,000 |
| White |
970 | $38,650,000 |
$39,000 | $478,000 |
$58,000 | $1,623,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
983 | $36,550,000 |
$37,000 | $478,000 |
$58,000 | $1,623,000 |
| FHA-insured (Federal Housing Administration) |
28 | $3,555,000 |
$126,000 | $172,000 |
$61,000 | $197,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
9 | $1,637,000 |
$181,000 | $285,000 |
$77,000 | $126,000 |
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| Application Approved But Not Accepted |
6 | $568,000 |
$94,000 | $262,000 |
$46,000 | $109,000 |
| Application Denied By Financial Institution |
199 | $8,111,000 |
$40,000 | $478,000 |
$44,000 | $215,000 |
| Application Withdrawn By Applicant |
118 | $6,089,000 |
$51,000 | $295,000 |
$59,000 | $360,000 |
| File Closed For Incompleteness |
3 | $376,000 |
$125,000 | $188,000 |
$72,000 | $115,000 |
| Loan Originated |
694 | $26,598,000 |
$38,000 | $250,000 |
$62,000 | $1,623,000 |
| 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 |
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 SAVINGS BANK by:
Metropolitan Area And
County
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