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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 UNION STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS UNION STATE BANK |
| Address | 102 N SECOND STREET
CLINTON, MO 64735 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 359 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $20,793,000 |
| Average Mortgage Loan Amount Applied For | $62,045 |
| Highest Mortgage Loan Amount Applied For | $1,045,000 |
| Average Applicant Income | $71,636 |
| Highest Applicant Income | $1,000,000 |
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| Home Improvement |
81 | $2,113,000 |
$26,000 | $206,000 |
$50,000 | $275,000 |
| Home Purchase |
117 | $8,859,000 |
$75,000 | $1,045,000 |
$70,000 | $838,000 |
| Refinancing |
161 | $9,821,000 |
$61,000 | $500,000 |
$84,000 | $1,000,000 |
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| American Indian or Alaskan Native |
1 | $13,000 |
$13,000 | $13,000 |
$30,000 | $30,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
2 | $66,000 |
$33,000 | $41,000 |
$32,000 | $36,000 |
| Hispanic |
7 | $99,000 |
$14,000 | $30,000 |
$67,000 | $107,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
9 | $726,000 |
$80,000 | $180,000 |
$66,000 | $250,000 |
| Not Provided |
5 | $666,000 |
$133,000 | $444,000 |
$45,000 | $68,000 |
| White |
335 | $19,223,000 |
$57,000 | $1,045,000 |
$73,000 | $1,000,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
359 | $20,793,000 |
$57,000 | $1,045,000 |
$72,000 | $1,000,000 |
| 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 |
32 | $1,792,000 |
$56,000 | $444,000 |
$47,000 | $144,000 |
| Application Withdrawn By Applicant |
1 | $65,000 |
$65,000 | $65,000 |
$23,000 | $23,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
326 | $18,936,000 |
$58,000 | $1,045,000 |
$74,000 | $1,000,000 |
| 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 |
4 | $198,000 |
$49,000 | $73,000 |
$33,000 | $60,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
20 | $727,000 |
$36,000 | $185,000 |
$52,000 | $144,000 |
| Debt-To-Income Ratio |
6 | $223,000 |
$37,000 | $60,000 |
$30,000 | $66,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
1 | $444,000 |
$444,000 | $444,000 |
$68,000 | $68,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $200,000 |
$200,000 | $200,000 |
$60,000 | $60,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CITIZENS UNION STATE BANK by:
Metropolitan Area And
County
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