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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 STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS STATE BANK |
| Address | 2212 CRESTVIEW DRIVE
HUDSON, WI 54016 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 814 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $130,545,000 |
| Average Mortgage Loan Amount Applied For | $132,153 |
| Highest Mortgage Loan Amount Applied For | $1,000,000 |
| Average Applicant Income | $70,589 |
| Highest Applicant Income | $468,000 |
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| Home Improvement |
12 | $583,000 |
$48,000 | $137,000 |
$71,000 | $184,000 |
| Home Purchase |
507 | $72,881,000 |
$143,000 | $965,000 |
$79,000 | $548,000 |
| Refinancing |
560 | $93,804,000 |
$167,000 | $1,430,000 |
$85,000 | $668,000 |
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| American Indian or Alaskan Native |
4 | $465,000 |
$116,000 | $202,000 |
$143,000 | $225,000 |
| Asian |
26 | $4,500,000 |
$173,000 | $549,000 |
$78,000 | $330,000 |
| Black or African American |
16 | $2,136,000 |
$133,000 | $197,000 |
$55,000 | $108,000 |
| Hispanic |
8 | $968,000 |
$121,000 | $209,000 |
$48,000 | $89,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
3 | $170,000 |
$56,000 | $88,000 |
$64,000 | $160,000 |
| Not Provided |
81 | $12,148,000 |
$149,000 | $643,000 |
$82,000 | $272,000 |
| White |
941 | $146,881,000 |
$156,000 | $1,430,000 |
$83,000 | $668,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,079 | $167,268,000 |
$155,000 | $1,430,000 |
$82,000 | $668,000 |
| 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 |
84 | $15,426,000 |
$183,000 | $1,000,000 |
$85,000 | $468,000 |
| Application Denied By Financial Institution |
108 | $18,308,000 |
$169,000 | $905,000 |
$75,000 | $577,000 |
| Application Withdrawn By Applicant |
13 | $3,311,000 |
$254,000 | $569,000 |
$108,000 | $221,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
874 | $130,223,000 |
$148,000 | $1,430,000 |
$82,000 | $668,000 |
| 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 |
20 | $3,879,000 |
$193,000 | $552,000 |
$113,000 | $577,000 |
| Credit Application Incomplete |
3 | $650,000 |
$216,000 | $325,000 |
$114,000 | $209,000 |
| Credit History |
44 | $7,355,000 |
$167,000 | $905,000 |
$56,000 | $200,000 |
| Debt-To-Income Ratio |
23 | $3,561,000 |
$154,000 | $348,000 |
$50,000 | $180,000 |
| Employment History |
7 | $692,000 |
$98,000 | $154,000 |
$58,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
6 | $1,007,000 |
$167,000 | $324,000 |
$141,000 | $228,000 |
| Unverifiable Information |
3 | $791,000 |
$263,000 | $549,000 |
$93,000 | $156,000 |
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Mortgage Loan App Totals for CITIZENS STATE BANK by:
Metropolitan Area And
County
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