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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 BNAK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS NATIONAL BNAK |
| Address | 7305 MANCHESTER
ST. LOUIS, MO 63143 |
| 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 | 260 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $43,466,000 |
| Average Mortgage Loan Amount Applied For | $256,473 |
| Highest Mortgage Loan Amount Applied For | $1,347,000 |
| Average Applicant Income | $183,684 |
| Highest Applicant Income | $1,073,000 |
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| Home Improvement |
36 | $4,308,000 |
$119,000 | $1,120,000 |
$56,000 | $131,000 |
| Home Purchase |
155 | $29,463,000 |
$190,000 | $1,347,000 |
$73,000 | $1,073,000 |
| Refinancing |
69 | $9,695,000 |
$140,000 | $389,000 |
$96,000 | $587,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $460,000 |
$230,000 | $260,000 |
$39,000 | $78,000 |
| Black or African American |
15 | $1,786,000 |
$119,000 | $439,000 |
$41,000 | $176,000 |
| Hispanic |
1 | $20,000 |
$20,000 | $20,000 |
$46,000 | $46,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
50 | $11,844,000 |
$236,000 | $1,347,000 |
$0 | $0 |
| Not Provided |
4 | $280,000 |
$70,000 | $147,000 |
$61,000 | $78,000 |
| White |
188 | $29,076,000 |
$154,000 | $1,001,000 |
$101,000 | $1,073,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
254 | $42,742,000 |
$168,000 | $1,347,000 |
$77,000 | $1,073,000 |
| FHA-insured (Federal Housing Administration) |
6 | $724,000 |
$120,000 | $165,000 |
$49,000 | $81,000 |
| 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 |
24 | $4,271,000 |
$177,000 | $416,000 |
$69,000 | $149,000 |
| Application Denied By Financial Institution |
7 | $1,981,000 |
$283,000 | $1,347,000 |
$50,000 | $150,000 |
| Application Withdrawn By Applicant |
7 | $1,400,000 |
$200,000 | $1,001,000 |
$105,000 | $488,000 |
| File Closed For Incompleteness |
5 | $751,000 |
$150,000 | $325,000 |
$64,000 | $120,000 |
| Loan Originated |
217 | $35,063,000 |
$161,000 | $1,120,000 |
$78,000 | $1,073,000 |
| 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 | $1,622,000 |
$540,000 | $1,347,000 |
$67,000 | $150,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $84,000 |
$84,000 | $84,000 |
$37,000 | $37,000 |
| Debt-To-Income Ratio |
2 | $120,000 |
$60,000 | $100,000 |
$45,000 | $46,000 |
| 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 |
1 | $155,000 |
$155,000 | $155,000 |
$22,000 | $22,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CITIZENS NATIONAL BNAK by:
Metropolitan Area And
County
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