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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 | P.O. BOX 198
WYOMING, IA 52362 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 76 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $3,899,000 |
| Average Mortgage Loan Amount Applied For | $78,222 |
| Highest Mortgage Loan Amount Applied For | $661,000 |
| Average Applicant Income | $21,444 |
| Highest Applicant Income | $158,000 |
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| Home Improvement |
27 | $675,000 |
$25,000 | $111,000 |
$34,000 | $158,000 |
| Home Purchase |
23 | $1,810,000 |
$78,000 | $404,000 |
$21,000 | $66,000 |
| Refinancing |
27 | $1,579,000 |
$58,000 | $661,000 |
$36,000 | $90,000 |
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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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
8 | $1,192,000 |
$149,000 | $404,000 |
$0 | $7,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
69 | $2,872,000 |
$41,000 | $661,000 |
$34,000 | $158,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
77 | $4,064,000 |
$52,000 | $661,000 |
$31,000 | $158,000 |
| 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 |
3 | $36,000 |
$12,000 | $26,000 |
$10,000 | $20,000 |
| Application Withdrawn By Applicant |
2 | $230,000 |
$115,000 | $165,000 |
$67,000 | $74,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
72 | $3,798,000 |
$52,000 | $661,000 |
$31,000 | $158,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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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