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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 | PO BOX 517
MONTICELLO, IA 52310 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 146 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $13,452,000 |
| Average Mortgage Loan Amount Applied For | $103,600 |
| Highest Mortgage Loan Amount Applied For | $476,000 |
| Average Applicant Income | $55,900 |
| Highest Applicant Income | $192,000 |
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| Home Improvement |
18 | $282,000 |
$15,000 | $65,000 |
$41,000 | $75,000 |
| Home Purchase |
65 | $7,283,000 |
$112,000 | $443,000 |
$50,000 | $192,000 |
| Refinancing |
63 | $5,887,000 |
$93,000 | $476,000 |
$55,000 | $190,000 |
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| American Indian or Alaskan Native |
1 | $12,000 |
$12,000 | $12,000 |
$17,000 | $17,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
1 | $74,000 |
$74,000 | $74,000 |
$50,000 | $50,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
144 | $13,366,000 |
$92,000 | $476,000 |
$51,000 | $192,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
146 | $13,452,000 |
$92,000 | $476,000 |
$51,000 | $192,000 |
| 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 |
14 | $1,017,000 |
$72,000 | $235,000 |
$51,000 | $92,000 |
| Application Denied By Financial Institution |
22 | $2,178,000 |
$99,000 | $304,000 |
$51,000 | $192,000 |
| Application Withdrawn By Applicant |
3 | $243,000 |
$81,000 | $132,000 |
$24,000 | $35,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
107 | $10,014,000 |
$93,000 | $476,000 |
$52,000 | $190,000 |
| 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 |
2 | $435,000 |
$217,000 | $240,000 |
$59,000 | $65,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
12 | $844,000 |
$70,000 | $167,000 |
$46,000 | $85,000 |
| Debt-To-Income Ratio |
5 | $751,000 |
$150,000 | $304,000 |
$72,000 | $192,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $43,000 |
$43,000 | $43,000 |
$19,000 | $19,000 |
| 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 STATE BANK by:
Metropolitan Area And
County
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