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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 NA
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS NATIONAL BANK NA |
| Address | 2711 E TEXAS ST
BOSSIER CITY, LA 71111 |
| 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 | 397 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $43,872,000 |
| Average Mortgage Loan Amount Applied For | $89,142 |
| Highest Mortgage Loan Amount Applied For | $417,000 |
| Average Applicant Income | $70,142 |
| Highest Applicant Income | $1,000,000 |
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| Home Improvement |
28 | $858,000 |
$30,000 | $100,000 |
$99,000 | $1,000,000 |
| Home Purchase |
280 | $38,556,000 |
$137,000 | $412,000 |
$77,000 | $581,000 |
| Refinancing |
269 | $38,671,000 |
$143,000 | $649,000 |
$91,000 | $1,000,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
8 | $1,311,000 |
$163,000 | $339,000 |
$71,000 | $214,000 |
| Black or African American |
20 | $2,801,000 |
$140,000 | $356,000 |
$53,000 | $124,000 |
| Hispanic |
6 | $636,000 |
$106,000 | $184,000 |
$42,000 | $57,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
43 | $2,688,000 |
$62,000 | $384,000 |
$38,000 | $502,000 |
| Not Provided |
5 | $669,000 |
$133,000 | $224,000 |
$46,000 | $104,000 |
| White |
495 | $69,980,000 |
$141,000 | $649,000 |
$91,000 | $1,000,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
528 | $70,207,000 |
$132,000 | $649,000 |
$87,000 | $1,000,000 |
| FHA-insured (Federal Housing Administration) |
25 | $3,448,000 |
$137,000 | $300,000 |
$57,000 | $114,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
24 | $4,430,000 |
$184,000 | $360,000 |
$63,000 | $119,000 |
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| Application Approved But Not Accepted |
7 | $1,046,000 |
$149,000 | $210,000 |
$111,000 | $333,000 |
| Application Denied By Financial Institution |
27 | $3,103,000 |
$114,000 | $344,000 |
$42,000 | $104,000 |
| Application Withdrawn By Applicant |
48 | $9,033,000 |
$188,000 | $315,000 |
$74,000 | $227,000 |
| File Closed For Incompleteness |
1 | $127,000 |
$127,000 | $127,000 |
$33,000 | $33,000 |
| Loan Originated |
494 | $64,776,000 |
$131,000 | $649,000 |
$88,000 | $1,000,000 |
| 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 |
3 | $652,000 |
$217,000 | $344,000 |
$66,000 | $104,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
17 | $1,417,000 |
$83,000 | $160,000 |
$45,000 | $87,000 |
| Debt-To-Income Ratio |
6 | $872,000 |
$145,000 | $233,000 |
$25,000 | $31,000 |
| Employment History |
1 | $162,000 |
$162,000 | $162,000 |
$34,000 | $34,000 |
| 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 NATIONAL BANK NA by:
Metropolitan Area And
County
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