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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 NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS NATIONAL BANK |
| Address | 2720 WEST 7TH ST.
FORT WORTH, TX 76107 |
| 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 | 187 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $15,830,000 |
| Average Mortgage Loan Amount Applied For | $168,100 |
| Highest Mortgage Loan Amount Applied For | $925,000 |
| Average Applicant Income | $122,000 |
| Highest Applicant Income | $456,000 |
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| Home Improvement |
26 | $1,063,000 |
$40,000 | $105,000 |
$75,000 | $387,000 |
| Home Purchase |
143 | $12,602,000 |
$88,000 | $925,000 |
$67,000 | $426,000 |
| Refinancing |
18 | $2,165,000 |
$120,000 | $620,000 |
$82,000 | $456,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $505,000 |
$505,000 | $505,000 |
$167,000 | $167,000 |
| Black or African American |
6 | $360,000 |
$60,000 | $81,000 |
$94,000 | $456,000 |
| Hispanic |
68 | $5,087,000 |
$74,000 | $294,000 |
$79,000 | $426,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
49 | $4,310,000 |
$87,000 | $925,000 |
$50,000 | $298,000 |
| Not Provided |
33 | $2,453,000 |
$74,000 | $620,000 |
$55,000 | $280,000 |
| White |
30 | $3,115,000 |
$103,000 | $440,000 |
$89,000 | $387,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
187 | $15,830,000 |
$84,000 | $925,000 |
$70,000 | $456,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
35 | $2,061,000 |
$58,000 | $200,000 |
$42,000 | $175,000 |
| Application Withdrawn By Applicant |
22 | $2,641,000 |
$120,000 | $620,000 |
$96,000 | $456,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
130 | $11,128,000 |
$85,000 | $925,000 |
$73,000 | $426,000 |
| 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 | $100,000 |
$100,000 | $100,000 |
$175,000 | $175,000 |
| Credit Application Incomplete |
1 | $48,000 |
$48,000 | $48,000 |
$48,000 | $48,000 |
| Credit History |
12 | $684,000 |
$57,000 | $200,000 |
$42,000 | $77,000 |
| Debt-To-Income Ratio |
9 | $592,000 |
$65,000 | $139,000 |
$31,000 | $72,000 |
| Employment History |
1 | $40,000 |
$40,000 | $40,000 |
$60,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
9 | $507,000 |
$56,000 | $113,000 |
$37,000 | $66,000 |
| Unverifiable Information |
2 | $90,000 |
$45,000 | $66,000 |
$46,000 | $63,000 |
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Mortgage Loan App Totals for CITIZENS NATIONAL BANK by:
Metropolitan Area And
County
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