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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 SAVINGS AND LOAN ASSO
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS SAVINGS AND LOAN ASSO |
| Address | 5151 S 4TH STREET TRAFFICWAY
LEAVENWORTH, KS 66048 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 343 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $51,963,000 |
| Average Mortgage Loan Amount Applied For | $136,076 |
| Highest Mortgage Loan Amount Applied For | $602,000 |
| Average Applicant Income | $85,692 |
| Highest Applicant Income | $334,000 |
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| Home Improvement |
37 | $2,071,000 |
$55,000 | $368,000 |
$67,000 | $165,000 |
| Home Purchase |
256 | $44,092,000 |
$172,000 | $602,000 |
$81,000 | $334,000 |
| Refinancing |
63 | $7,458,000 |
$118,000 | $350,000 |
$72,000 | $228,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
4 | $639,000 |
$159,000 | $297,000 |
$40,000 | $67,000 |
| Black or African American |
20 | $3,271,000 |
$163,000 | $330,000 |
$98,000 | $334,000 |
| Hispanic |
6 | $1,125,000 |
$187,000 | $306,000 |
$78,000 | $163,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $108,000 |
$108,000 | $108,000 |
$35,000 | $35,000 |
| Not applicable |
5 | $572,000 |
$114,000 | $277,000 |
$72,000 | $73,000 |
| Not Provided |
7 | $887,000 |
$126,000 | $210,000 |
$65,000 | $85,000 |
| White |
313 | $47,019,000 |
$150,000 | $602,000 |
$77,000 | $326,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
258 | $34,045,000 |
$131,000 | $602,000 |
$74,000 | $334,000 |
| FHA-insured (Federal Housing Administration) |
2 | $25,000 |
$12,000 | $20,000 |
$108,000 | $165,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
96 | $19,551,000 |
$203,000 | $372,000 |
$86,000 | $228,000 |
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| Application Approved But Not Accepted |
3 | $366,000 |
$122,000 | $160,000 |
$39,000 | $91,000 |
| Application Denied By Financial Institution |
17 | $2,337,000 |
$137,000 | $276,000 |
$66,000 | $133,000 |
| Application Withdrawn By Applicant |
11 | $1,599,000 |
$145,000 | $310,000 |
$72,000 | $112,000 |
| File Closed For Incompleteness |
1 | $190,000 |
$190,000 | $190,000 |
$108,000 | $108,000 |
| Loan Originated |
311 | $47,471,000 |
$152,000 | $602,000 |
$80,000 | $334,000 |
| 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 |
13 | $1,658,000 |
$127,000 | $225,000 |
$52,000 | $96,000 |
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| Collateral |
5 | $822,000 |
$164,000 | $253,000 |
$72,000 | $96,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
18 | $1,992,000 |
$110,000 | $192,000 |
$55,000 | $103,000 |
| Debt-To-Income Ratio |
5 | $872,000 |
$174,000 | $276,000 |
$68,000 | $133,000 |
| 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 | $100,000 |
$100,000 | $100,000 |
$57,000 | $57,000 |
| Unverifiable Information |
1 | $209,000 |
$209,000 | $209,000 |
$57,000 | $57,000 |
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Mortgage Loan App Totals for CITIZENS SAVINGS AND LOAN ASSO by:
Metropolitan Area And
County
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