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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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LEBANON CITIZENS NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
LEBANON CITIZENS NATIONAL BANK |
| Address | 2 N BROADWAY
LEBANON, OH 45036 |
| 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 | 483 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $54,333,000 |
| Average Mortgage Loan Amount Applied For | $105,000 |
| Highest Mortgage Loan Amount Applied For | $740,000 |
| Average Applicant Income | $61,916 |
| Highest Applicant Income | $862,000 |
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| Home Improvement |
47 | $2,599,000 |
$55,000 | $240,000 |
$71,000 | $564,000 |
| Home Purchase |
158 | $22,742,000 |
$143,000 | $740,000 |
$80,000 | $862,000 |
| Refinancing |
295 | $31,200,000 |
$105,000 | $448,000 |
$62,000 | $217,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $490,000 |
$163,000 | $250,000 |
$51,000 | $89,000 |
| Black or African American |
4 | $455,000 |
$113,000 | $236,000 |
$66,000 | $83,000 |
| Hispanic |
3 | $198,000 |
$66,000 | $108,000 |
$59,000 | $83,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $200,000 |
$200,000 | $200,000 |
$108,000 | $108,000 |
| Not applicable |
14 | $2,336,000 |
$166,000 | $740,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
475 | $52,862,000 |
$111,000 | $650,000 |
$70,000 | $862,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
500 | $56,541,000 |
$113,000 | $740,000 |
$68,000 | $862,000 |
| 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 |
4 | $659,000 |
$164,000 | $220,000 |
$72,000 | $126,000 |
| Application Denied By Financial Institution |
117 | $14,859,000 |
$127,000 | $480,000 |
$61,000 | $472,000 |
| Application Withdrawn By Applicant |
27 | $2,995,000 |
$110,000 | $270,000 |
$59,000 | $125,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
339 | $36,792,000 |
$108,000 | $740,000 |
$72,000 | $862,000 |
| 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 |
13 | $1,236,000 |
$95,000 | $190,000 |
$65,000 | $188,000 |
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| Collateral |
19 | $2,897,000 |
$152,000 | $480,000 |
$89,000 | $472,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
46 | $4,390,000 |
$95,000 | $240,000 |
$61,000 | $138,000 |
| Debt-To-Income Ratio |
52 | $7,142,000 |
$137,000 | $448,000 |
$58,000 | $217,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $515,000 |
$257,000 | $400,000 |
$20,000 | $40,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
11 | $1,151,000 |
$104,000 | $226,000 |
$41,000 | $140,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for LEBANON CITIZENS NATIONAL BANK by:
Metropolitan Area And
County
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