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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 WHOLESALE MORTG
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS FIRST WHOLESALE MORTG |
| Address | 560 FIELDCREST DRIVE
THE VILLAGES, FL 32162 |
| Agency | Department of Housing and Urban Development (HUD) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 284 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $41,130,000 |
| Average Mortgage Loan Amount Applied For | $108,333 |
| Highest Mortgage Loan Amount Applied For | $550,000 |
| Average Applicant Income | $56,333 |
| Highest Applicant Income | $427,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
1,952 | $337,599,000 |
$172,000 | $797,000 |
$79,000 | $980,000 |
| Refinancing |
118 | $17,717,000 |
$150,000 | $550,000 |
$65,000 | $405,000 |
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| American Indian or Alaskan Native |
1 | $168,000 |
$168,000 | $168,000 |
$43,000 | $43,000 |
| Asian |
7 | $1,328,000 |
$189,000 | $365,000 |
$62,000 | $136,000 |
| Black or African American |
9 | $1,208,000 |
$134,000 | $250,000 |
$70,000 | $139,000 |
| Hispanic |
21 | $3,705,000 |
$176,000 | $300,000 |
$99,000 | $300,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
297 | $50,773,000 |
$170,000 | $417,000 |
$82,000 | $755,000 |
| White |
1,735 | $298,134,000 |
$171,000 | $797,000 |
$77,000 | $980,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
2,070 | $355,316,000 |
$171,000 | $797,000 |
$78,000 | $980,000 |
| 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 |
15 | $2,479,000 |
$165,000 | $315,000 |
$58,000 | $136,000 |
| Application Denied By Financial Institution |
15 | $1,871,000 |
$124,000 | $261,000 |
$62,000 | $149,000 |
| Application Withdrawn By Applicant |
91 | $17,300,000 |
$190,000 | $750,000 |
$84,000 | $500,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
1,948 | $333,546,000 |
$171,000 | $797,000 |
$78,000 | $980,000 |
| Loan Purchased By The Institution |
1 | $120,000 |
$120,000 | $120,000 |
$63,000 | $63,000 |
| 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 | $144,000 |
$144,000 | $144,000 |
$104,000 | $104,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
4 | $616,000 |
$154,000 | $261,000 |
$79,000 | $149,000 |
| Debt-To-Income Ratio |
3 | $293,000 |
$97,000 | $112,000 |
$30,000 | $68,000 |
| Employment History |
3 | $300,000 |
$100,000 | $165,000 |
$31,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $197,000 |
$197,000 | $197,000 |
$93,000 | $93,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
3 | $321,000 |
$107,000 | $151,000 |
$77,000 | $116,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CITIZENS FIRST WHOLESALE MORTG by:
Metropolitan Area And
County
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