Citizens First National Bank Mortgage Lending & HMDA Data, 2011
In 2011, Citizens First National Bank of Spring Valley, IL reported 1,037 mortgage applications totaling $137.5 million, down 22% from 2010. The average application was for $132,607, and applicants reported an average income of $82,079. 75% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (433), Peoria, IL (49) and Rockford, IL (6) (applications in parentheses).
| Mortgage Company & Address | Citizens First National Bank 128 E. Dakota Street Spring Valley, IL 61362 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,037 |
| Total Mortgage Loan Application Amount | $137,514,000 |
| Average Mortgage Loan Application Amount | $132,607 |
| Highest Mortgage Loan Application Amount | $2,250,000 |
| Average Applicant Income | $82,079 |
| Highest Applicant Income | $698,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens First National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| LaSalle, Illinois | 254 | $ 30,183,000 | $ 118,830 | $ 76,000 |
| Bureau, Illinois | 226 | $ 19,270,000 | $ 85,265 | $ 64,000 |
| Kendall, Illinois | 106 | $ 18,708,000 | $ 176,490 | $ 94,000 |
| DeKalb, Illinois | 94 | $ 12,529,000 | $ 133,287 | $ 82,000 |
| Will, Illinois | 85 | $ 14,021,000 | $ 164,952 | $ 107,000 |
| Kane, Illinois | 70 | $ 15,464,000 | $ 220,914 | $ 109,000 |
| Putnam, Illinois | 38 | $ 3,528,000 | $ 92,842 | $ 60,000 |
| Marshall, Illinois | 37 | $ 3,264,000 | $ 88,216 | $ 66,000 |
| McHenry, Illinois | 23 | $ 4,617,000 | $ 200,739 | $ 102,000 |
| DuPage, Illinois | 20 | $ 3,651,000 | $ 182,550 | $ 71,000 |
| Grundy, Illinois | 19 | $ 2,366,000 | $ 124,526 | $ 100,000 |
| Cook, Illinois | 16 | $ 2,659,000 | $ 166,187 | $ 109,000 |
| Peoria, Illinois | 8 | $ 793,000 | $ 99,125 | $ 58,000 |
| Winnebago, Illinois | 4 | $ 515,000 | $ 128,750 | $ 45,000 |
| Lake, Illinois | 3 | $ 661,000 | $ 220,333 | $ 94,000 |
| Lee, Illinois | 3 | $ 255,000 | $ 85,000 | $ 63,000 |
| McLean, Illinois | 3 | $ 542,000 | $ 180,666 | $ 78,000 |
| Boone, Illinois | 2 | $ 254,000 | $ 127,000 | $ 69,000 |
| Henry, Illinois | 2 | $ 167,000 | $ 83,500 | $ 65,000 |
| Stark, Illinois | 2 | $ 147,000 | $ 73,500 | $ 88,000 |
| Woodford, Illinois | 2 | $ 350,000 | $ 175,000 | $ 84,000 |
| Maricopa, Arizona | 1 | $ 80,000 | $ 80,000 | $ 36,000 |
| Pima, Arizona | 1 | $ 140,000 | $ 140,000 | $ 90,000 |
| Flagler, Florida | 1 | $ 410,000 | $ 410,000 | $ 551,000 |
| Okaloosa, Florida | 1 | $ 98,000 | $ 98,000 | $ 127,000 |
| Champaign, Illinois | 1 | $ 118,000 | $ 118,000 | $ 45,000 |
| Hancock, Illinois | 1 | $ 175,000 | $ 175,000 | $ 81,000 |
| Livingston, Illinois | 1 | $ 119,000 | $ 119,000 | $ 49,000 |
| Ogle, Illinois | 1 | $ 136,000 | $ 136,000 | $ 55,000 |
| Sangamon, Illinois | 1 | $ 120,000 | $ 120,000 | $ 77,000 |
| Stephenson, Illinois | 1 | $ 71,000 | $ 71,000 | $ 84,000 |
| Vermilion, Illinois | 1 | $ 46,000 | $ 46,000 | $ 32,000 |
| Lake, Indiana | 1 | $ 325,000 | $ 325,000 | $ 197,000 |
| Polk, Iowa | 1 | $ 122,000 | $ 122,000 | $ 44,000 |
| Camden, Missouri | 1 | $ 240,000 | $ 240,000 | $ 307,000 |
| Rockingham, New Hampshire | 1 | $ 650,000 | $ 650,000 | $ 240,000 |
| Wayne, Ohio | 1 | $ 100,000 | $ 100,000 | $ 118,000 |
| Charleston, South Carolina | 1 | $ 88,000 | $ 88,000 | $ 154,000 |
| Rutherford, Tennessee | 1 | $ 162,000 | $ 162,000 | $ 111,000 |
| Buffalo, Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 99,000 |
| Jefferson, Wisconsin | 1 | $ 320,000 | $ 320,000 | $ 480,000 |
Mortgage Loan Application Detail Totals for Citizens First National Bank in 2011
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 765 | $109,751,000 | $143,000 | $2,250,000 | $85,000 | $698,000 |
| Home Purchase | 201 | $25,893,000 | $128,000 | $770,000 | $83,000 | $551,000 |
| Home Improvement | 71 | $1,870,000 | $26,000 | $280,000 | $48,000 | $176,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 967 | $128,266,000 | $132,000 | $770,000 | $83,000 | $566,000 |
| Hispanic | 46 | $4,095,000 | $89,000 | $350,000 | $65,000 | $698,000 |
| Not applicable | 9 | $2,989,000 | $332,000 | $2,250,000 | $51,000 | $123,000 |
| Not Provided | 8 | $1,229,000 | $153,000 | $397,000 | $85,000 | $185,000 |
| Asian | 5 | $661,000 | $132,000 | $217,000 | $74,000 | $107,000 |
| Black or African American | 2 | $274,000 | $137,000 | $148,000 | $89,000 | $125,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,024 | $136,100,000 | $132,000 | $2,250,000 | $83,000 | $698,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $671,000 | $95,000 | $161,000 | $44,000 | $62,000 |
| FHA-insured (Federal Housing Administration) | 6 | $743,000 | $123,000 | $215,000 | $46,000 | $57,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 781 | $101,282,000 | $129,000 | $2,250,000 | $83,000 | $698,000 |
| Application Withdrawn By Applicant | 162 | $23,695,000 | $146,000 | $770,000 | $84,000 | $551,000 |
| Application Denied By Financial Institution | 81 | $10,092,000 | $124,000 | $425,000 | $65,000 | $409,000 |
| Application Approved But Not Accepted | 13 | $2,445,000 | $188,000 | $578,000 | $91,000 | $195,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 29 | $3,859,000 | $133,000 | $425,000 | $54,000 | $251,000 |
| Collateral | 19 | $2,962,000 | $155,000 | $417,000 | $93,000 | $409,000 |
| Other | 16 | $2,183,000 | $136,000 | $397,000 | $66,000 | $126,000 |
| Credit History | 12 | $640,000 | $53,000 | $120,000 | $34,000 | $63,000 |
| Mortgage Insurance Denied | 4 | $395,000 | $98,000 | $142,000 | $66,000 | $127,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $53,000 | $53,000 | $53,000 | $182,000 | $182,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens First National Bank's 2011 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Citizens First National Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About