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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 STATE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST CITIZENS STATE BANK |
| Address | PO BOX 220
CLINTON, IN 47842 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2003 |
| All Data Years | 2003 |
| Total Number of Mortgage Loan Applications Processed | 415 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $20,608,000 |
| Average Mortgage Loan Amount Applied For | $64,000 |
| Highest Mortgage Loan Amount Applied For | $190,000 |
| Average Applicant Income | $46,000 |
| Highest Applicant Income | $128,000 |
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| Home Improvement (one-to-four family) |
53 | $757,000 |
$13,000 | $73,000 |
$32,000 | $101,000 |
| Home Purchase (one-to-four family) |
123 | $6,555,000 |
$66,666 | $190,000 |
$31,333 | $128,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Refinancing (home purchase or home improvement, one-to-four family) |
240 | $13,396,000 |
$67,500 | $163,000 |
$47,000 | $126,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian or Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black |
1 | $30,000 |
$30,000 | $30,000 |
$30,000 | $30,000 |
| Hispanic |
2 | $90,000 |
$45,000 | $60,000 |
$86,000 | $86,000 |
| Information not provided by applicant in mail or telephone application |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
413 | $20,588,000 |
$72,666 | $190,000 |
$34,666 | $128,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
408 | $20,283,000 |
$72,666 | $190,000 |
$35,000 | $128,000 |
| FHA-insured (Federal Housing Administration) |
1 | $26,000 |
$26,000 | $26,000 |
$23,000 | $23,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
7 | $399,000 |
$57,000 | $81,000 |
$32,000 | $51,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
8 | $395,000 |
$49,000 | $68,000 |
$32,000 | $70,000 |
| Application Denied By Financial Institution |
54 | $3,114,000 |
$58,500 | $163,000 |
$40,500 | $89,000 |
| Application Withdrawn By Applicant |
13 | $976,000 |
$75,000 | $190,000 |
$50,000 | $96,000 |
| File Closed For Incompleteness |
1 | $100,000 |
$100,000 | $100,000 |
$19,000 | $19,000 |
| Loan Originated |
340 | $16,123,000 |
$59,000 | $159,000 |
$45,500 | $128,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
9 | $662,000 |
$79,000 | $125,000 |
$51,500 | $65,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
27 | $1,228,000 |
$46,000 | $104,000 |
$32,000 | $60,000 |
| Debt-To-Income Ratio |
10 | $755,000 |
$75,000 | $163,000 |
$38,000 | $89,000 |
| Employment History |
1 | $48,000 |
$48,000 | $48,000 |
$24,000 | $24,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
1 | $54,000 |
$54,000 | $54,000 |
$25,000 | $25,000 |
| Other |
1 | $112,000 |
$112,000 | $112,000 |
$85,000 | $85,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST CITIZENS STATE BANK by:
Metropolitan Area And
County
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