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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 OF TEXA
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS NATIONAL BANK OF TEXA |
| Address | P. O. BOX 717
WAXAHACHIE, TX 75168 |
| 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 | 291 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $29,926,000 |
| Average Mortgage Loan Amount Applied For | $112,333 |
| Highest Mortgage Loan Amount Applied For | $400,000 |
| Average Applicant Income | $128,866 |
| Highest Applicant Income | $2,957,000 |
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| Home Improvement |
21 | $666,000 |
$31,000 | $76,000 |
$96,000 | $240,000 |
| Home Purchase |
146 | $13,991,000 |
$95,000 | $400,000 |
$113,000 | $2,957,000 |
| Refinancing |
124 | $15,269,000 |
$123,000 | $368,000 |
$95,000 | $900,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $299,000 |
$149,000 | $152,000 |
$93,000 | $102,000 |
| Black or African American |
4 | $544,000 |
$136,000 | $210,000 |
$58,000 | $81,000 |
| Hispanic |
25 | $2,714,000 |
$108,000 | $306,000 |
$59,000 | $120,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
6 | $785,000 |
$130,000 | $212,000 |
$600,000 | $2,957,000 |
| Not Provided |
4 | $317,000 |
$79,000 | $103,000 |
$69,000 | $120,000 |
| White |
250 | $25,267,000 |
$101,000 | $400,000 |
$98,000 | $900,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
291 | $29,926,000 |
$102,000 | $400,000 |
$104,000 | $2,957,000 |
| 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 |
5 | $408,000 |
$81,000 | $152,000 |
$77,000 | $161,000 |
| Application Denied By Financial Institution |
27 | $2,040,000 |
$75,000 | $242,000 |
$64,000 | $200,000 |
| Application Withdrawn By Applicant |
28 | $3,441,000 |
$122,000 | $296,000 |
$83,000 | $201,000 |
| File Closed For Incompleteness |
5 | $425,000 |
$85,000 | $178,000 |
$68,000 | $112,000 |
| Loan Originated |
226 | $23,612,000 |
$104,000 | $400,000 |
$113,000 | $2,957,000 |
| 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 |
6 | $311,000 |
$51,000 | $95,000 |
$63,000 | $95,000 |
| Credit Application Incomplete |
1 | $37,000 |
$37,000 | $37,000 |
$29,000 | $29,000 |
| Credit History |
11 | $846,000 |
$76,000 | $140,000 |
$65,000 | $120,000 |
| Debt-To-Income Ratio |
6 | $448,000 |
$74,000 | $200,000 |
$37,000 | $70,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $242,000 |
$242,000 | $242,000 |
$200,000 | $200,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
2 | $156,000 |
$78,000 | $120,000 |
$93,000 | $137,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CITIZENS NATIONAL BANK OF TEXA by:
Metropolitan Area And
County
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