Citizens National Bank Mortgage Lending & HMDA Data, 2011
In 2011, Citizens National Bank of Paris, IL reported 359 mortgage applications totaling $40.0 million, down 46% from 2010. The average application was for $111,337, and applicants reported an average income of $46,348. 97% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Terre Haute, IN (27), Tampa-St. Petersburg-Clearwater, FL (19) and Rochester, NY (11) (applications in parentheses).
| Mortgage Company & Address | Citizens National Bank 110 West Court St Paris, IL 61944 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 |
| Total Number of Mortgage Applications | 359 |
| Total Mortgage Loan Application Amount | $39,970,000 |
| Average Mortgage Loan Application Amount | $111,337 |
| Highest Mortgage Loan Application Amount | $309,000 |
| Average Applicant Income | $46,348 |
| Highest Applicant Income | $667,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Edgar, Illinois | 34 | $ 3,109,000 | $ 91,441 | $ 92,000 |
| Lawrence, Indiana | 22 | $ 1,984,000 | $ 90,181 | $ 37,000 |
| Vigo, Indiana | 22 | $ 1,069,000 | $ 48,590 | $ 31,000 |
| Hernando, Florida | 13 | $ 1,355,000 | $ 104,230 | $ 40,000 |
| Marion, Florida | 9 | $ 719,000 | $ 79,888 | $ 27,000 |
| Warrick, Indiana | 7 | $ 844,000 | $ 120,571 | $ 45,000 |
| Riverside, California | 6 | $ 655,000 | $ 109,166 | $ 43,000 |
| Mendocino, California | 5 | $ 982,000 | $ 196,400 | $ 45,000 |
| Hillsborough, Florida | 5 | $ 666,000 | $ 133,200 | $ 51,000 |
| Wayne, New York | 5 | $ 311,000 | $ 62,200 | $ 33,000 |
| Sussex, Delaware | 4 | $ 575,000 | $ 143,750 | $ 39,000 |
| Citrus, Florida | 4 | $ 321,000 | $ 80,250 | $ 27,000 |
| Osceola, Florida | 4 | $ 497,000 | $ 124,250 | $ 45,000 |
| Polk, Florida | 4 | $ 385,000 | $ 96,250 | $ 45,000 |
| Volusia, Florida | 4 | $ 437,000 | $ 109,250 | $ 35,000 |
| Coles, Illinois | 4 | $ 300,000 | $ 75,000 | $ 55,000 |
| Monroe, Pennsylvania | 4 | $ 450,000 | $ 112,500 | $ 49,000 |
| Cherokee, Alabama | 3 | $ 236,000 | $ 78,666 | $ 34,000 |
| Apache, Arizona | 3 | $ 313,000 | $ 104,333 | $ 49,000 |
| Los Angeles, California | 3 | $ 265,000 | $ 88,333 | $ 35,000 |
| Collier, Florida | 3 | $ 310,000 | $ 103,333 | $ 35,000 |
| Kootenai, Idaho | 3 | $ 445,000 | $ 148,333 | $ 42,000 |
| Sullivan, Indiana | 3 | $ 206,000 | $ 68,666 | $ 58,000 |
| Russell, Kentucky | 3 | $ 297,000 | $ 99,000 | $ 30,000 |
| Wicomico, Maryland | 3 | $ 406,000 | $ 135,333 | $ 50,000 |
| Worcester, Massachusetts | 3 | $ 659,000 | $ 219,666 | $ 51,000 |
| Claiborne, Tennessee | 3 | $ 359,000 | $ 119,666 | $ 43,000 |
| Hardin, Texas | 3 | $ 321,000 | $ 107,000 | $ 57,000 |
| Coconino, Arizona | 2 | $ 375,000 | $ 187,500 | $ 54,000 |
| Benton, Arkansas | 2 | $ 174,000 | $ 87,000 | $ 35,000 |
| Cleburne, Arkansas | 2 | $ 213,000 | $ 106,500 | $ 42,000 |
| Monterey, California | 2 | $ 352,000 | $ 176,000 | $ 45,000 |
| San Bernardino, California | 2 | $ 326,000 | $ 163,000 | $ 36,000 |
| San Diego, California | 2 | $ 578,000 | $ 289,000 | $ 66,000 |
| Siskiyou, California | 2 | $ 173,000 | $ 86,500 | $ 28,000 |
| Kent, Delaware | 2 | $ 335,000 | $ 167,500 | $ 49,000 |
| Escambia, Florida | 2 | $ 182,000 | $ 91,000 | $ 40,000 |
| Flagler, Florida | 2 | $ 181,000 | $ 90,500 | $ 28,000 |
| Indian River, Florida | 2 | $ 168,000 | $ 84,000 | $ 47,000 |
| Lee, Florida | 2 | $ 218,000 | $ 109,000 | $ 35,000 |
| Santa Rosa, Florida | 2 | $ 216,000 | $ 108,000 | $ 39,000 |
| Clay, Indiana | 2 | $ 180,000 | $ 90,000 | $ 34,000 |
| Orange, Indiana | 2 | $ 166,000 | $ 83,000 | $ 31,000 |
| Vanderburgh, Indiana | 2 | $ 259,000 | $ 129,500 | $ 29,000 |
| Madison, Kentucky | 2 | $ 285,000 | $ 142,500 | $ 49,000 |
| Pulaski, Kentucky | 2 | $ 144,000 | $ 72,000 | $ 38,000 |
| Trigg, Kentucky | 2 | $ 251,000 | $ 125,500 | $ 50,000 |
| St. John the Baptist, Louisiana | 2 | $ 351,000 | $ 175,500 | $ 58,000 |
| Adams, Mississippi | 2 | $ 130,000 | $ 65,000 | $ 26,000 |
| Warren, Mississippi | 2 | $ 125,000 | $ 62,500 | $ 27,000 |
| Livingston, New York | 2 | $ 216,000 | $ 108,000 | $ 45,000 |
| Onondaga, New York | 2 | $ 209,000 | $ 104,500 | $ 37,000 |
| Ontario, New York | 2 | $ 200,000 | $ 100,000 | $ 32,000 |
| Orange, New York | 2 | $ 430,000 | $ 215,000 | $ 75,000 |
| Linn, Oregon | 2 | $ 257,000 | $ 128,500 | $ 32,000 |
| Carbon, Pennsylvania | 2 | $ 345,000 | $ 172,500 | $ 62,000 |
| York, Pennsylvania | 2 | $ 289,000 | $ 144,500 | $ 58,000 |
| Angelina, Texas | 2 | $ 170,000 | $ 85,000 | $ 29,000 |
| El Paso, Texas | 2 | $ 236,000 | $ 118,000 | $ 46,000 |
| Rockwall, Texas | 2 | $ 269,000 | $ 134,500 | $ 52,000 |
| Hancock, West Virginia | 2 | $ 144,000 | $ 72,000 | $ 36,000 |
| Baldwin, Alabama | 1 | $ 89,000 | $ 89,000 | $ 36,000 |
| Pinal, Arizona | 1 | $ 86,000 | $ 86,000 | $ 31,000 |
| Faulkner, Arkansas | 1 | $ 158,000 | $ 158,000 | $ 41,000 |
| Imperial, California | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Kern, California | 1 | $ 98,000 | $ 98,000 | $ 59,000 |
| Madera, California | 1 | $ 99,000 | $ 99,000 | $ 38,000 |
| Sonoma, California | 1 | $ 259,000 | $ 259,000 | $ 68,000 |
| Stanislaus, California | 1 | $ 140,000 | $ 140,000 | $ 52,000 |
| Weld, Colorado | 1 | $ 129,000 | $ 129,000 | $ 61,000 |
| Levy, Florida | 1 | $ 91,000 | $ 91,000 | $ 35,000 |
| Orange, Florida | 1 | $ 112,000 | $ 112,000 | $ 58,000 |
| Pasco, Florida | 1 | $ 161,000 | $ 161,000 | $ 68,000 |
| Sarasota, Florida | 1 | $ 114,000 | $ 114,000 | $ 43,000 |
| St. Johns, Florida | 1 | $ 82,000 | $ 82,000 | $ 32,000 |
| Walton, Florida | 1 | $ 140,000 | $ 140,000 | $ 70,000 |
| Idaho, Idaho | 1 | $ 104,000 | $ 104,000 | $ 52,000 |
| Clark, Illinois | 1 | $ 178,000 | $ 178,000 | $ 47,000 |
| Cumberland, Illinois | 1 | $ 54,000 | $ 54,000 | $ 67,000 |
| Douglas, Illinois | 1 | $ 53,000 | $ 53,000 | $ 29,000 |
| Monroe, Illinois | 1 | $ 126,000 | $ 126,000 | $ 38,000 |
| Boone, Indiana | 1 | $ 143,000 | $ 143,000 | $ 50,000 |
| Cass, Indiana | 1 | $ 68,000 | $ 68,000 | $ 45,000 |
| Clark, Indiana | 1 | $ 141,000 | $ 141,000 | $ 38,000 |
| Dearborn, Indiana | 1 | $ 115,000 | $ 115,000 | $ 34,000 |
| Elkhart, Indiana | 1 | $ 116,000 | $ 116,000 | $ 39,000 |
| Monroe, Indiana | 1 | $ 134,000 | $ 134,000 | $ 31,000 |
| Perry, Indiana | 1 | $ 80,000 | $ 80,000 | $ 33,000 |
| Anderson, Kentucky | 1 | $ 98,000 | $ 98,000 | $ 71,000 |
| Graves, Kentucky | 1 | $ 98,000 | $ 98,000 | $ 43,000 |
| Henderson, Kentucky | 1 | $ 64,000 | $ 64,000 | $ 29,000 |
| Shelby, Kentucky | 1 | $ 144,000 | $ 144,000 | $ 60,000 |
| Ascension, Louisiana | 1 | $ 134,000 | $ 134,000 | $ 47,000 |
| Assumption, Louisiana | 1 | $ 201,000 | $ 201,000 | $ 51,000 |
| East Baton Rouge, Louisiana | 1 | $ 135,000 | $ 135,000 | $ 33,000 |
| Lafourche, Louisiana | 1 | $ 138,000 | $ 138,000 | $ 38,000 |
| Livingston, Louisiana | 1 | $ 162,000 | $ 162,000 | $ 31,000 |
| Rapides, Louisiana | 1 | $ 129,000 | $ 129,000 | $ 54,000 |
| St. Charles, Louisiana | 1 | $ 92,000 | $ 92,000 | $ 39,000 |
| St. Tammany, Louisiana | 1 | $ 180,000 | $ 180,000 | $ 41,000 |
| Cumberland, Maine | 1 | $ 218,000 | $ 218,000 | $ 64,000 |
| Worcester, Maryland | 1 | $ 150,000 | $ 150,000 | $ 45,000 |
| Jackson, Minnesota | 1 | $ 64,000 | $ 64,000 | $ 23,000 |
| Leake, Mississippi | 1 | $ 140,000 | $ 140,000 | $ 41,000 |
| Lincoln, Mississippi | 1 | $ 123,000 | $ 123,000 | $ 35,000 |
| Monroe, Mississippi | 1 | $ 53,000 | $ 53,000 | $ 32,000 |
| Washington, Mississippi | 1 | $ 188,000 | $ 188,000 | $ 52,000 |
| Wilkinson, Mississippi | 1 | $ 146,000 | $ 146,000 | $ 49,000 |
| Jasper, Missouri | 1 | $ 71,000 | $ 71,000 | $ 16,000 |
| Polk, Missouri | 1 | $ 231,000 | $ 231,000 | $ 70,000 |
| St. Clair, Missouri | 1 | $ 83,000 | $ 83,000 | $ 35,000 |
| Flathead, Montana | 1 | $ 165,000 | $ 165,000 | $ 37,000 |
| Yellowstone, Montana | 1 | $ 192,000 | $ 192,000 | $ 67,000 |
| Atlantic, New Jersey | 1 | $ 197,000 | $ 197,000 | $ 65,000 |
| Roosevelt, New Mexico | 1 | $ 116,000 | $ 116,000 | $ 49,000 |
| Broome, New York | 1 | $ 108,000 | $ 108,000 | $ 25,000 |
| Chemung, New York | 1 | $ 89,000 | $ 89,000 | $ 47,000 |
| Dutchess, New York | 1 | $ 269,000 | $ 269,000 | $ 79,000 |
| Franklin, New York | 1 | $ 94,000 | $ 94,000 | $ 43,000 |
| Monroe, New York | 1 | $ 121,000 | $ 121,000 | $ 60,000 |
| Orleans, New York | 1 | $ 80,000 | $ 80,000 | $ 47,000 |
| Oswego, New York | 1 | $ 104,000 | $ 104,000 | $ 44,000 |
| Seneca, New York | 1 | $ 78,000 | $ 78,000 | $ 51,000 |
| Sullivan, New York | 1 | $ 93,000 | $ 93,000 | $ 35,000 |
| Tioga, New York | 1 | $ 105,000 | $ 105,000 | $ 27,000 |
| Licking, Ohio | 1 | $ 147,000 | $ 147,000 | $ 47,000 |
| Lorain, Ohio | 1 | $ 118,000 | $ 118,000 | $ 34,000 |
| Greer, Oklahoma | 1 | $ 82,000 | $ 82,000 | $ 31,000 |
| Marion, Oregon | 1 | $ 208,000 | $ 208,000 | $ 61,000 |
| Yamhill, Oregon | 1 | $ 177,000 | $ 177,000 | $ 56,000 |
| Butler, Pennsylvania | 1 | $ 164,000 | $ 164,000 | $ 66,000 |
| Chester, Pennsylvania | 1 | $ 261,000 | $ 261,000 | $ 83,000 |
| Cumberland, Pennsylvania | 1 | $ 128,000 | $ 128,000 | $ 54,000 |
| Franklin, Pennsylvania | 1 | $ 179,000 | $ 179,000 | $ 68,000 |
| Lancaster, Pennsylvania | 1 | $ 83,000 | $ 83,000 | $ 40,000 |
| Pike, Pennsylvania | 1 | $ 91,000 | $ 91,000 | $ 42,000 |
| Schuylkill, Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 43,000 |
| Westmoreland, Pennsylvania | 1 | $ 72,000 | $ 72,000 | $ 24,000 |
| Greenville, South Carolina | 1 | $ 241,000 | $ 241,000 | $ 48,000 |
| Hampton, South Carolina | 1 | $ 68,000 | $ 68,000 | $ 35,000 |
| Anderson, Texas | 1 | $ 78,000 | $ 78,000 | $ 58,000 |
| Collin, Texas | 1 | $ 102,000 | $ 102,000 | $ 48,000 |
| Hays, Texas | 1 | $ 271,000 | $ 271,000 | $ 62,000 |
| Hidalgo, Texas | 1 | $ 85,000 | $ 85,000 | $ 49,000 |
| Jefferson, Texas | 1 | $ 78,000 | $ 78,000 | $ 42,000 |
| Llano, Texas | 1 | $ 119,000 | $ 119,000 | $ 31,000 |
| Lubbock, Texas | 1 | $ 114,000 | $ 114,000 | $ 35,000 |
| Orange, Texas | 1 | $ 114,000 | $ 114,000 | $ 44,000 |
| Reeves, Texas | 1 | $ 109,000 | $ 109,000 | $ 29,000 |
| Smith, Texas | 1 | $ 141,000 | $ 141,000 | $ 37,000 |
| Tyler, Texas | 1 | $ 124,000 | $ 124,000 | $ 47,000 |
| Williamson, Texas | 1 | $ 130,000 | $ 130,000 | $ 54,000 |
| Wood, Texas | 1 | $ 83,000 | $ 83,000 | $ 27,000 |
| Frederick, Virginia | 1 | $ 117,000 | $ 117,000 | $ 31,000 |
| Henry, Virginia | 1 | $ 112,000 | $ 112,000 | $ 31,000 |
| Mecklenburg, Virginia | 1 | $ 171,000 | $ 171,000 | $ 55,000 |
| Pierce, Washington | 1 | $ 161,000 | $ 161,000 | $ 40,000 |
| Snohomish, Washington | 1 | $ 207,000 | $ 207,000 | $ 72,000 |
| Berkeley, West Virginia | 1 | $ 179,000 | $ 179,000 | $ 37,000 |
| Jefferson, West Virginia | 1 | $ 132,000 | $ 132,000 | $ 32,000 |
| Brown, Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 65,000 |
| Juneau, Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Kenosha, Wisconsin | 1 | $ 88,000 | $ 88,000 | $ 32,000 |
| Monroe, Wisconsin | 1 | $ 147,000 | $ 147,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Citizens 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 307 | $35,622,000 | $116,000 | $309,000 | $43,000 | $187,000 |
| Refinancing | 50 | $4,277,000 | $85,000 | $254,000 | $66,000 | $667,000 |
| Home Improvement | 2 | $71,000 | $35,000 | $51,000 | $69,000 | $81,000 |
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 | 282 | $32,175,000 | $114,000 | $309,000 | $50,000 | $667,000 |
| Hispanic | 36 | $4,253,000 | $118,000 | $225,000 | $44,000 | $77,000 |
| Black or African American | 22 | $2,513,000 | $114,000 | $197,000 | $42,000 | $79,000 |
| Not applicable | 14 | $337,000 | $24,000 | $29,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $520,000 | $173,000 | $269,000 | $49,000 | $59,000 |
| Asian | 1 | $87,000 | $87,000 | $87,000 | $23,000 | $23,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $85,000 | $85,000 | $85,000 | $31,000 | $31,000 |
| Not Provided | 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 |
|---|---|---|---|---|---|---|
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 293 | $35,095,000 | $119,000 | $309,000 | $42,000 | $99,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 66 | $4,875,000 | $73,000 | $254,000 | $66,000 | $667,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 350 | $39,144,000 | $111,000 | $309,000 | $46,000 | $667,000 |
| Application Denied By Financial Institution | 6 | $437,000 | $72,000 | $160,000 | $61,000 | $107,000 |
| Application Withdrawn By Applicant | 2 | $254,000 | $127,000 | $200,000 | $75,000 | $83,000 |
| Application Approved But Not Accepted | 1 | $135,000 | $135,000 | $135,000 | $53,000 | $53,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 4 | $274,000 | $68,000 | $89,000 | $61,000 | $101,000 |
| Debt-To-Income Ratio | 2 | $163,000 | $81,000 | $160,000 | $60,000 | $107,000 |
| 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 | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens 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 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.
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