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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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FIRST CITIZENS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST CITIZENS BANK |
| Address | 2812 1ST AVENUE NORTH
BILLINGS, MT 59101 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 61 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $5,772,000 |
| Average Mortgage Loan Amount Applied For | $109,833 |
| Highest Mortgage Loan Amount Applied For | $343,000 |
| Average Applicant Income | $51,500 |
| Highest Applicant Income | $233,000 |
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| Home Improvement |
7 | $244,000 |
$34,000 | $101,000 |
$43,000 | $71,000 |
| Home Purchase |
42 | $4,855,000 |
$115,000 | $343,000 |
$60,000 | $233,000 |
| Refinancing |
12 | $673,000 |
$56,000 | $151,000 |
$41,000 | $89,000 |
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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 | $152,000 |
$76,000 | $120,000 |
$77,000 | $142,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $41,000 |
$41,000 | $41,000 |
$142,000 | $142,000 |
| Not applicable |
6 | $922,000 |
$153,000 | $343,000 |
$0 | $0 |
| Not Provided |
1 | $55,000 |
$55,000 | $55,000 |
$0 | $0 |
| White |
51 | $4,602,000 |
$90,000 | $282,000 |
$59,000 | $233,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
60 | $5,717,000 |
$95,000 | $343,000 |
$55,000 | $233,000 |
| FHA-insured (Federal Housing Administration) |
1 | $55,000 |
$55,000 | $55,000 |
$16,000 | $16,000 |
| 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 |
9 | $426,000 |
$47,000 | $180,000 |
$36,000 | $79,000 |
| Application Withdrawn By Applicant |
12 | $1,513,000 |
$126,000 | $185,000 |
$67,000 | $180,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
40 | $3,833,000 |
$95,000 | $343,000 |
$55,000 | $233,000 |
| 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 |
8 | $394,000 |
$49,000 | $180,000 |
$39,000 | $79,000 |
| Debt-To-Income Ratio |
1 | $32,000 |
$32,000 | $32,000 |
$12,000 | $12,000 |
| 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 FIRST CITIZENS BANK by:
Metropolitan Area And
County
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