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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 | 3 E WEA
PAOLA, KS 66071 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 44 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $3,425,000 |
| Average Mortgage Loan Amount Applied For | $68,125 |
| Highest Mortgage Loan Amount Applied For | $670,000 |
| Average Applicant Income | $73,875 |
| Highest Applicant Income | $184,000 |
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| Home Improvement |
3 | $33,000 |
$11,000 | $21,000 |
$26,000 | $32,000 |
| Home Purchase |
11 | $721,000 |
$65,000 | $136,000 |
$57,000 | $180,000 |
| Refinancing |
30 | $2,671,000 |
$89,000 | $670,000 |
$72,000 | $184,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
2 | $180,000 |
$90,000 | $103,000 |
$58,000 | $85,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
2 | $169,000 |
$84,000 | $85,000 |
$184,000 | $184,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
40 | $3,076,000 |
$76,000 | $670,000 |
$59,000 | $180,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
44 | $3,425,000 |
$77,000 | $670,000 |
$65,000 | $184,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
8 | $511,000 |
$63,000 | $130,000 |
$36,000 | $65,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
36 | $2,914,000 |
$80,000 | $670,000 |
$71,000 | $184,000 |
| 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 | $184,000 |
$61,000 | $77,000 |
$38,000 | $56,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
5 | $327,000 |
$65,000 | $130,000 |
$36,000 | $65,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
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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