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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 NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST CITIZENS NATIONAL BANK |
| Address | 100 N. SANDUSKY AVE, P. O. BOX 299
UPPER SANDUSKY, OH 43351 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 204 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $17,049,000 |
| Average Mortgage Loan Amount Applied For | $247,461 |
| Highest Mortgage Loan Amount Applied For | $2,000,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $220,000 |
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| Home Improvement |
41 | $808,000 |
$19,000 | $175,000 |
$45,000 | $146,000 |
| Home Purchase |
94 | $10,891,000 |
$115,000 | $2,000,000 |
$59,000 | $220,000 |
| Refinancing |
72 | $5,671,000 |
$78,000 | $205,000 |
$50,000 | $128,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $20,000 |
$20,000 | $20,000 |
$9,000 | $9,000 |
| 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 |
2 | $2,168,000 |
$1,084,000 | $2,000,000 |
$48,000 | $96,000 |
| Not Provided |
3 | $326,000 |
$108,000 | $137,000 |
$49,000 | $55,000 |
| White |
201 | $14,856,000 |
$73,000 | $621,000 |
$53,000 | $220,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
206 | $17,225,000 |
$83,000 | $2,000,000 |
$53,000 | $220,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
1 | $145,000 |
$145,000 | $145,000 |
$69,000 | $69,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
9 | $652,000 |
$72,000 | $140,000 |
$73,000 | $211,000 |
| Application Denied By Financial Institution |
51 | $3,562,000 |
$69,000 | $212,000 |
$42,000 | $148,000 |
| Application Withdrawn By Applicant |
24 | $3,035,000 |
$126,000 | $621,000 |
$50,000 | $94,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
123 | $10,121,000 |
$82,000 | $2,000,000 |
$57,000 | $220,000 |
| 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 | $301,000 |
$75,000 | $110,000 |
$27,000 | $43,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
33 | $2,265,000 |
$68,000 | $212,000 |
$47,000 | $148,000 |
| Debt-To-Income Ratio |
8 | $638,000 |
$79,000 | $145,000 |
$36,000 | $59,000 |
| 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 |
6 | $358,000 |
$59,000 | $137,000 |
$35,000 | $62,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST CITIZENS NATIONAL BANK by:
Metropolitan Area And
County
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