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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 BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS SAVINGS BANK |
| Address | 2101 N VETERANS PARKWAY
BLOOMINGTON, IL 61704 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2004 |
| All Data Years | 2003 2004 |
| Total Number of Mortgage Loan Applications Processed | 264 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $25,958,000 |
| Average Mortgage Loan Amount Applied For | $83,200 |
| Highest Mortgage Loan Amount Applied For | $816,000 |
| Average Applicant Income | $55,100 |
| Highest Applicant Income | $733,000 |
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| Home Improvement |
46 | $953,000 |
$13,000 | $130,000 |
$56,500 | $498,000 |
| Home Purchase |
90 | $10,267,000 |
$124,000 | $393,000 |
$74,000 | $650,000 |
| Refinancing |
139 | $16,120,000 |
$115,000 | $816,000 |
$63,000 | $733,000 |
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| American Indian or Alaskan Native |
1 | $220,000 |
$220,000 | $220,000 |
$65,000 | $65,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
3 | $71,000 |
$23,000 | $62,000 |
$44,000 | $78,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
13 | $1,342,000 |
$103,000 | $160,000 |
$145,000 | $650,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
258 | $25,707,000 |
$111,500 | $816,000 |
$61,500 | $733,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
275 | $27,340,000 |
$111,500 | $816,000 |
$64,000 | $733,000 |
| 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 |
15 | $2,201,000 |
$146,000 | $452,000 |
$77,000 | $209,000 |
| Application Denied By Financial Institution |
15 | $1,157,000 |
$43,500 | $260,000 |
$41,000 | $79,000 |
| Application Withdrawn By Applicant |
8 | $1,081,000 |
$141,000 | $220,000 |
$85,500 | $165,000 |
| File Closed For Incompleteness |
6 | $579,000 |
$91,500 | $315,000 |
$41,500 | $280,000 |
| Loan Originated |
224 | $21,336,000 |
$95,000 | $816,000 |
$84,000 | $733,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
4 | $566,000 |
$141,000 | $208,000 |
$61,000 | $79,000 |
| Preapproval Denied by Financial Institution |
3 | $420,000 |
$140,000 | $178,000 |
$58,000 | $96,000 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
10 | $800,000 |
$84,000 | $178,000 |
$52,000 | $96,000 |
| Debt-To-Income Ratio |
7 | $685,000 |
$97,000 | $260,000 |
$29,000 | $78,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $92,000 |
$92,000 | $92,000 |
$35,000 | $35,000 |
| 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 SAVINGS BANK by:
Metropolitan Area And
County
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