Citizens First National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Citizens First National Bank 2009 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 1,608 |
| Total Mortgage Loan Application Amount | $221,706,000 |
| Average Mortgage Loan Application Amount | $96,666 |
| Highest Mortgage Loan Application Amount | $1,860,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $4,500,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with Citizens First National Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Citizens First National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down Citizens First National Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Citizens First National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Citizens First National Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Citizens First National Bank's mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| LaSalle County Illinois | 420 | $ 53,802,000 | $ 128,000 | $ 82,000 |
| Bureau County Illinois | 395 | $ 39,861,000 | $ 100,000 | $ 71,000 |
| DeKalb County Illinois | 161 | $ 25,581,000 | $ 158,000 | $ 108,000 |
| Kendall County Illinois | 149 | $ 23,233,000 | $ 155,000 | $ 112,000 |
| Kane County Illinois | 92 | $ 18,928,000 | $ 205,000 | $ 188,000 |
| Will County Illinois | 89 | $ 16,379,000 | $ 184,000 | $ 142,000 |
| Marshall County Illinois | 53 | $ 5,078,000 | $ 95,000 | $ 75,000 |
| Grundy County Illinois | 42 | $ 6,504,000 | $ 154,000 | $ 96,000 |
| Putnam County Illinois | 41 | $ 3,795,000 | $ 92,000 | $ 79,000 |
| Cook County Illinois | 33 | $ 5,594,000 | $ 169,000 | $ 125,000 |
| DuPage County Illinois | 24 | $ 5,693,000 | $ 237,000 | $ 124,000 |
| McHenry County Illinois | 20 | $ 3,913,000 | $ 195,000 | $ 91,000 |
| Winnebago County Illinois | 8 | $ 579,000 | $ 72,000 | $ 147,000 |
| Henry County Illinois | 7 | $ 855,000 | $ 122,000 | $ 100,000 |
| Lee County Illinois | 6 | $ 1,877,000 | $ 312,000 | $ 121,000 |
| Ogle County Illinois | 4 | $ 278,000 | $ 69,000 | $ 77,000 |
| Peoria County Illinois | 4 | $ 380,000 | $ 95,000 | $ 93,000 |
| Woodford County Illinois | 4 | $ 542,000 | $ 135,000 | $ 93,000 |
| Champaign County Illinois | 2 | $ 177,000 | $ 88,000 | $ 85,000 |
| Livingston County Illinois | 2 | $ 251,000 | $ 125,000 | $ 58,000 |
| Whiteside County Illinois | 2 | $ 168,000 | $ 84,000 | $ 59,000 |
| Pinal County Arizona | 1 | $ 200,000 | $ 200,000 | $ 289,000 |
| San Diego County California | 1 | $ 332,000 | $ 332,000 | $ 168,000 |
| Bay County Florida | 1 | $ 92,000 | $ 92,000 | $ 124,000 |
| Collier County Florida | 1 | $ 42,000 | $ 42,000 | $ 78,000 |
| Hillsborough County Florida | 1 | $ 160,000 | $ 160,000 | $ 893,000 |
| Lake County Florida | 1 | $ 76,000 | $ 76,000 | $ 60,000 |
| Lee County Florida | 1 | $ 417,000 | $ 417,000 | $ 113,000 |
| Sarasota County Florida | 1 | $ 100,000 | $ 100,000 | $ 92,000 |
| Brantley County Georgia | 1 | $ 50,000 | $ 50,000 | $ 112,000 |
| Boone County Illinois | 1 | $ 205,000 | $ 205,000 | $ 42,000 |
| Carroll County Illinois | 1 | $ 13,000 | $ 13,000 | $ 86,000 |
| Clinton County Illinois | 1 | $ 91,000 | $ 91,000 | $ 16,000 |
| Jackson County Illinois | 1 | $ 30,000 | $ 30,000 | $ 26,000 |
| Jo Daviess County Illinois | 1 | $ 195,000 | $ 195,000 | $ 95,000 |
| Kankakee County Illinois | 1 | $ 90,000 | $ 90,000 | $ 50,000 |
| McLean County Illinois | 1 | $ 229,000 | $ 229,000 | $ 148,000 |
| Shelby County Illinois | 1 | $ 151,000 | $ 151,000 | $ 132,000 |
| Stark County Illinois | 1 | $ 115,000 | $ 115,000 | $ 68,000 |
| Vermilion County Illinois | 1 | $ 36,000 | $ 36,000 | $ 83,000 |
| Johnson County Indiana | 1 | $ 150,000 | $ 150,000 | $ 73,000 |
| Lake County Indiana | 1 | $ 150,000 | $ 150,000 | $ 110,000 |
| Louisa County Iowa | 1 | $ 30,000 | $ 30,000 | $ 10,000 |
| Marquette County Michigan | 1 | $ 87,000 | $ 87,000 | $ 68,000 |
| Camden County Missouri | 1 | $ 75,000 | $ 75,000 | $ 171,000 |
| Morgan County Missouri | 1 | $ 124,000 | $ 124,000 | $ 125,000 |
| Stone County Missouri | 1 | $ 111,000 | $ 111,000 | $ 72,000 |
| Clark County Nevada | 1 | $ 172,000 | $ 172,000 | $ 69,000 |
| Loudon County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 128,000 |
| Caldwell County Texas | 1 | $ 70,000 | $ 70,000 | $ 100,000 |
| Dallas County Texas | 1 | $ 80,000 | $ 80,000 | $ 70,000 |
| Hidalgo County Texas | 1 | $ 89,000 | $ 89,000 | $ 27,000 |
| Dodge County Wisconsin | 1 | $ 130,000 | $ 130,000 | $ 97,000 |
| Iron County Wisconsin | 1 | $ 70,000 | $ 70,000 | $ 64,000 |
| Price County Wisconsin | 1 | $ 196,000 | $ 196,000 | $ 247,000 |
| Washburn County Wisconsin | 1 | $ 98,000 | $ 98,000 | $ 47,000 |
| Waupaca County Wisconsin | 1 | $ 746,000 | $ 746,000 | $ 52,000 |
| Winnebago County Wisconsin | 1 | $ 264,000 | $ 264,000 | $ 179,000 |
Mortgage Loan Application Detail Totals for Citizens First National Bank in 2009
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 | 1,214 | $181,716,000 | $149,000 | $1,860,000 | $102,000 | $4,500,000 |
| Home Purchase | 322 | $38,307,000 | $118,000 | $736,000 | $87,000 | $975,000 |
| Home Improvement | 72 | $1,683,000 | $23,000 | $190,000 | $60,000 | $777,000 |
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 | 1,490 | $200,975,000 | $134,000 | $1,800,000 | $91,000 | $4,500,000 |
| Not Provided | 50 | $9,167,000 | $183,000 | $1,860,000 | $75,000 | $185,000 |
| Hispanic | 35 | $3,618,000 | $103,000 | $292,000 | $61,000 | $207,000 |
| Not applicable | 20 | $6,395,000 | $319,000 | $870,000 | $698,000 | $3,368,000 |
| Asian | 9 | $922,000 | $102,000 | $283,000 | $94,000 | $304,000 |
| Black or African American | 4 | $629,000 | $157,000 | $284,000 | $76,000 | $110,000 |
| 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) | 1,606 | $221,350,000 | $137,000 | $1,860,000 | $97,000 | $4,500,000 |
| FHA-insured (Federal Housing Administration) | 1 | $242,000 | $242,000 | $242,000 | $89,000 | $89,000 |
| VA-guaranteed (Veterans Administration) | 1 | $114,000 | $114,000 | $114,000 | $73,000 | $73,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,418 | $197,485,000 | $139,000 | $1,800,000 | $100,000 | $4,500,000 |
| Application Denied By Financial Institution | 96 | $11,144,000 | $116,000 | $1,860,000 | $70,000 | $548,000 |
| Application Withdrawn By Applicant | 80 | $11,196,000 | $139,000 | $452,000 | $78,000 | $427,000 |
| Application Approved But Not Accepted | 13 | $1,840,000 | $141,000 | $350,000 | $115,000 | $208,000 |
| File Closed For Incompleteness | 1 | $41,000 | $41,000 | $41,000 | $61,000 | $61,000 |
| 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 |
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 | 30 | $2,977,000 | $99,000 | $1,860,000 | $33,000 | $180,000 |
| Collateral | 25 | $4,078,000 | $163,000 | $735,000 | $89,000 | $308,000 |
| Credit History | 24 | $1,385,000 | $57,000 | $417,000 | $65,000 | $548,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,121,000 | $186,000 | $736,000 | $209,000 | $446,000 |
| Other | 4 | $411,000 | $102,000 | $241,000 | $50,000 | $78,000 |
| Mortgage Insurance Denied | 3 | $832,000 | $277,000 | $373,000 | $92,000 | $141,000 |
| Employment History | 3 | $180,000 | $60,000 | $109,000 | $67,000 | $82,000 |
| Credit Application Incomplete | 1 | $160,000 | $160,000 | $160,000 | $75,000 | $75,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens First National Bank's 2009 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.