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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 | P.O. BOX 4610
SEVIERVILLE, TN 37864 |
| 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 | $25,365,000 |
| Average Mortgage Loan Amount Applied For | $97,181 |
| Highest Mortgage Loan Amount Applied For | $2,200,000 |
| Average Applicant Income | $61,090 |
| Highest Applicant Income | $2,784,000 |
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| Home Improvement |
31 | $873,000 |
$28,000 | $150,000 |
$61,000 | $290,000 |
| Home Purchase |
94 | $13,640,000 |
$145,000 | $645,000 |
$134,000 | $2,784,000 |
| Refinancing |
62 | $10,852,000 |
$175,000 | $2,200,000 |
$73,000 | $493,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $897,000 |
$299,000 | $495,000 |
$151,000 | $288,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $81,000 |
$81,000 | $81,000 |
$22,000 | $22,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
1 | $2,200,000 |
$2,200,000 | $2,200,000 |
$0 | $0 |
| Not Provided |
1 | $122,000 |
$122,000 | $122,000 |
$41,000 | $41,000 |
| White |
181 | $22,065,000 |
$121,000 | $825,000 |
$102,000 | $2,784,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
187 | $25,365,000 |
$135,000 | $2,200,000 |
$101,000 | $2,784,000 |
| 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 |
41 | $5,728,000 |
$139,000 | $825,000 |
$57,000 | $278,000 |
| Application Withdrawn By Applicant |
21 | $3,363,000 |
$160,000 | $399,000 |
$147,000 | $774,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
125 | $16,274,000 |
$130,000 | $2,200,000 |
$109,000 | $2,784,000 |
| 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 | $256,000 |
$85,000 | $121,000 |
$47,000 | $51,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
9 | $1,233,000 |
$137,000 | $225,000 |
$46,000 | $84,000 |
| Debt-To-Income Ratio |
9 | $1,366,000 |
$151,000 | $400,000 |
$77,000 | $278,000 |
| Employment History |
1 | $53,000 |
$53,000 | $53,000 |
$32,000 | $32,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
17 | $2,659,000 |
$156,000 | $825,000 |
$56,000 | $139,000 |
| Unverifiable Information |
2 | $161,000 |
$80,000 | $151,000 |
$41,000 | $72,000 |
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Mortgage Loan App Totals for CITIZENS NATIONAL BANK by:
Metropolitan Area And
County
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