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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 | 201 NORTH MAIN STREET
NICHOLASVILLE, KY 40356 |
| 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 | 79 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $10,765,000 |
| Average Mortgage Loan Amount Applied For | $181,428 |
| Highest Mortgage Loan Amount Applied For | $757,000 |
| Average Applicant Income | $38,285 |
| Highest Applicant Income | $410,000 |
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| Home Improvement |
7 | $127,000 |
$18,000 | $50,000 |
$82,000 | $332,000 |
| Home Purchase |
36 | $4,465,000 |
$124,000 | $757,000 |
$78,000 | $410,000 |
| Refinancing |
36 | $6,173,000 |
$171,000 | $750,000 |
$44,000 | $332,000 |
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| American Indian or Alaskan Native |
1 | $58,000 |
$58,000 | $58,000 |
$38,000 | $38,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
2 | $46,000 |
$23,000 | $43,000 |
$33,000 | $37,000 |
| Hispanic |
1 | $45,000 |
$45,000 | $45,000 |
$30,000 | $30,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
19 | $4,432,000 |
$233,000 | $757,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
56 | $6,184,000 |
$110,000 | $750,000 |
$87,000 | $410,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
79 | $10,765,000 |
$136,000 | $757,000 |
$63,000 | $410,000 |
| 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 |
5 | $853,000 |
$170,000 | $700,000 |
$24,000 | $48,000 |
| Application Withdrawn By Applicant |
6 | $1,053,000 |
$175,000 | $725,000 |
$31,000 | $79,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
68 | $8,859,000 |
$130,000 | $757,000 |
$69,000 | $410,000 |
| 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 |
3 | $103,000 |
$34,000 | $57,000 |
$31,000 | $48,000 |
| Debt-To-Income Ratio |
2 | $750,000 |
$375,000 | $700,000 |
$13,000 | $27,000 |
| 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 NATIONAL BANK by:
Metropolitan Area And
County
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