Citizens National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Citizens 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 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 | 328 |
| Total Mortgage Loan Application Amount | $37,816,000 |
| Average Mortgage Loan Application Amount | $79,666 |
| Highest Mortgage Loan Application Amount | $379,000 |
| Average Applicant Income | $55,333 |
| Highest Applicant Income | $225,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with Citizens 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 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 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 National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Citizens 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 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 |
|---|---|---|---|---|
| Edgar County Illinois | 26 | $ 2,086,000 | $ 80,000 | $ 55,000 |
| Coles County Illinois | 23 | $ 1,282,000 | $ 55,000 | $ 43,000 |
| Hernando County Florida | 21 | $ 2,040,000 | $ 97,000 | $ 33,000 |
| Lee County Florida | 10 | $ 988,000 | $ 98,000 | $ 37,000 |
| Volusia County Florida | 9 | $ 1,008,000 | $ 112,000 | $ 36,000 |
| Lawrence County Indiana | 7 | $ 759,000 | $ 108,000 | $ 40,000 |
| Monroe County Wisconsin | 7 | $ 695,000 | $ 99,000 | $ 37,000 |
| Maricopa County Arizona | 6 | $ 882,000 | $ 147,000 | $ 46,000 |
| Navajo County Arizona | 5 | $ 707,000 | $ 141,000 | $ 45,000 |
| Osceola County Florida | 5 | $ 734,000 | $ 146,000 | $ 45,000 |
| Polk County Florida | 5 | $ 452,000 | $ 90,000 | $ 40,000 |
| St. John the Baptist County Louisiana | 5 | $ 802,000 | $ 160,000 | $ 53,000 |
| Mohave County Arizona | 4 | $ 523,000 | $ 130,000 | $ 32,000 |
| Lake County Florida | 4 | $ 490,000 | $ 122,000 | $ 37,000 |
| Marion County Florida | 4 | $ 411,000 | $ 102,000 | $ 38,000 |
| Vigo County Indiana | 4 | $ 519,000 | $ 129,000 | $ 106,000 |
| Anderson County Kentucky | 4 | $ 439,000 | $ 109,000 | $ 48,000 |
| York County Pennsylvania | 4 | $ 537,000 | $ 134,000 | $ 47,000 |
| Pinal County Arizona | 3 | $ 252,000 | $ 84,000 | $ 30,000 |
| Collier County Florida | 3 | $ 420,000 | $ 140,000 | $ 54,000 |
| Flagler County Florida | 3 | $ 418,000 | $ 139,000 | $ 43,000 |
| Sarasota County Florida | 3 | $ 399,000 | $ 133,000 | $ 50,000 |
| Sullivan County Indiana | 3 | $ 280,000 | $ 93,000 | $ 46,000 |
| Natchitoches County Louisiana | 3 | $ 382,000 | $ 127,000 | $ 68,000 |
| Butler County Missouri | 3 | $ 251,000 | $ 83,000 | $ 27,000 |
| Siskiyou County California | 2 | $ 336,000 | $ 168,000 | $ 39,000 |
| Mesa County Colorado | 2 | $ 454,000 | $ 227,000 | $ 60,000 |
| Moffat County Colorado | 2 | $ 253,000 | $ 126,000 | $ 42,000 |
| Montrose County Colorado | 2 | $ 355,000 | $ 177,000 | $ 40,000 |
| Weld County Colorado | 2 | $ 342,000 | $ 171,000 | $ 74,000 |
| Calhoun County Florida | 2 | $ 174,000 | $ 87,000 | $ 32,000 |
| Clay County Florida | 2 | $ 265,000 | $ 132,000 | $ 38,000 |
| Hillsborough County Florida | 2 | $ 368,000 | $ 184,000 | $ 57,000 |
| Santa Rosa County Florida | 2 | $ 164,000 | $ 82,000 | $ 36,000 |
| Douglas County Illinois | 2 | $ 159,000 | $ 79,000 | $ 95,000 |
| Will County Illinois | 2 | $ 751,000 | $ 375,000 | $ 35,000 |
| Clay County Indiana | 2 | $ 155,000 | $ 77,000 | $ 39,000 |
| Jay County Indiana | 2 | $ 220,000 | $ 110,000 | $ 42,000 |
| Oldham County Kentucky | 2 | $ 186,000 | $ 93,000 | $ 27,000 |
| Ascension County Louisiana | 2 | $ 303,000 | $ 151,000 | $ 60,000 |
| Saginaw County Michigan | 2 | $ 264,000 | $ 132,000 | $ 46,000 |
| Warren County Mississippi | 2 | $ 325,000 | $ 162,000 | $ 61,000 |
| Dent County Missouri | 2 | $ 178,000 | $ 89,000 | $ 26,000 |
| Coos County New Hampshire | 2 | $ 208,000 | $ 104,000 | $ 56,000 |
| Chenango County New York | 2 | $ 177,000 | $ 88,000 | $ 45,000 |
| Steuben County New York | 2 | $ 193,000 | $ 96,000 | $ 46,000 |
| Westmoreland County Pennsylvania | 2 | $ 273,000 | $ 136,000 | $ 46,000 |
| Loudon County Tennessee | 2 | $ 341,000 | $ 170,000 | $ 38,000 |
| Utah County Utah | 2 | $ 409,000 | $ 204,000 | $ 44,000 |
| Baldwin County Alabama | 1 | $ 92,000 | $ 92,000 | $ 67,000 |
| Blount County Alabama | 1 | $ 128,000 | $ 128,000 | $ 70,000 |
| Limestone County Alabama | 1 | $ 131,000 | $ 131,000 | $ 63,000 |
| Shelby County Alabama | 1 | $ 149,000 | $ 149,000 | $ 28,000 |
| St. Clair County Alabama | 1 | $ 159,000 | $ 159,000 | $ 64,000 |
| Santa Cruz County Arizona | 1 | $ 136,000 | $ 136,000 | $ 42,000 |
| Riverside County California | 1 | $ 205,000 | $ 205,000 | $ 47,000 |
| Sacramento County California | 1 | $ 112,000 | $ 112,000 | $ 32,000 |
| Sutter County California | 1 | $ 93,000 | $ 93,000 | $ 38,000 |
| Yuba County California | 1 | $ 152,000 | $ 152,000 | $ 48,000 |
| Delta County Colorado | 1 | $ 155,000 | $ 155,000 | $ 38,000 |
| New London County Connecticut | 1 | $ 109,000 | $ 109,000 | $ 37,000 |
| Alachua County Florida | 1 | $ 131,000 | $ 131,000 | $ 49,000 |
| Bay County Florida | 1 | $ 140,000 | $ 140,000 | $ 51,000 |
| Brevard County Florida | 1 | $ 92,000 | $ 92,000 | $ 32,000 |
| Citrus County Florida | 1 | $ 140,000 | $ 140,000 | $ 62,000 |
| Gilchrist County Florida | 1 | $ 117,000 | $ 117,000 | $ 43,000 |
| Jackson County Florida | 1 | $ 158,000 | $ 158,000 | $ 72,000 |
| Levy County Florida | 1 | $ 60,000 | $ 60,000 | $ 29,000 |
| Nassau County Florida | 1 | $ 150,000 | $ 150,000 | $ 60,000 |
| Orange County Florida | 1 | $ 203,000 | $ 203,000 | $ 61,000 |
| Pasco County Florida | 1 | $ 156,000 | $ 156,000 | $ 44,000 |
| St. Lucie County Florida | 1 | $ 116,000 | $ 116,000 | $ 48,000 |
| Sumter County Florida | 1 | $ 232,000 | $ 232,000 | $ 54,000 |
| Floyd County Georgia | 1 | $ 60,000 | $ 60,000 | $ 29,000 |
| Clark County Illinois | 1 | $ 64,000 | $ 64,000 | $ 65,000 |
| Cumberland County Illinois | 1 | $ 38,000 | $ 38,000 | $ 38,000 |
| Madison County Illinois | 1 | $ 148,000 | $ 148,000 | $ 41,000 |
| McLean County Illinois | 1 | $ 126,000 | $ 126,000 | $ 58,000 |
| Vermilion County Illinois | 1 | $ 19,000 | $ 19,000 | $ 71,000 |
| Woodford County Illinois | 1 | $ 71,000 | $ 71,000 | $ 18,000 |
| Elkhart County Indiana | 1 | $ 50,000 | $ 50,000 | $ 140,000 |
| Harrison County Indiana | 1 | $ 114,000 | $ 114,000 | $ 46,000 |
| Marion County Indiana | 1 | $ 88,000 | $ 88,000 | $ 38,000 |
| Orange County Indiana | 1 | $ 62,000 | $ 62,000 | $ 29,000 |
| Parke County Indiana | 1 | $ 68,000 | $ 68,000 | $ 54,000 |
| Porter County Indiana | 1 | $ 182,000 | $ 182,000 | $ 47,000 |
| Posey County Indiana | 1 | $ 65,000 | $ 65,000 | $ 58,000 |
| Vermillion County Indiana | 1 | $ 64,000 | $ 64,000 | $ 124,000 |
| Warrick County Indiana | 1 | $ 120,000 | $ 120,000 | $ 38,000 |
| Sedgwick County Kansas | 1 | $ 143,000 | $ 143,000 | $ 49,000 |
| Bell County Kentucky | 1 | $ 102,000 | $ 102,000 | $ 34,000 |
| Laurel County Kentucky | 1 | $ 138,000 | $ 138,000 | $ 46,000 |
| Meade County Kentucky | 1 | $ 83,000 | $ 83,000 | $ 27,000 |
| Mercer County Kentucky | 1 | $ 206,000 | $ 206,000 | $ 67,000 |
| Shelby County Kentucky | 1 | $ 180,000 | $ 180,000 | $ 74,000 |
| Jefferson County Louisiana | 1 | $ 151,000 | $ 151,000 | $ 48,000 |
| Lafourche County Louisiana | 1 | $ 107,000 | $ 107,000 | $ 52,000 |
| Livingston County Louisiana | 1 | $ 143,000 | $ 143,000 | $ 41,000 |
| St. James County Louisiana | 1 | $ 209,000 | $ 209,000 | $ 48,000 |
| Winn County Louisiana | 1 | $ 84,000 | $ 84,000 | $ 50,000 |
| Androscoggin County Maine | 1 | $ 115,000 | $ 115,000 | $ 25,000 |
| Cumberland County Maine | 1 | $ 193,000 | $ 193,000 | $ 79,000 |
| Hancock County Maine | 1 | $ 158,000 | $ 158,000 | $ 61,000 |
| Kennebec County Maine | 1 | $ 132,000 | $ 132,000 | $ 36,000 |
| Penobscot County Maine | 1 | $ 142,000 | $ 142,000 | $ 34,000 |
| York County Maine | 1 | $ 196,000 | $ 196,000 | $ 71,000 |
| Washington County Maryland | 1 | $ 194,000 | $ 194,000 | $ 72,000 |
| Worcester County Maryland | 1 | $ 239,000 | $ 239,000 | $ 63,000 |
| Allegan County Michigan | 1 | $ 97,000 | $ 97,000 | $ 39,000 |
| Iosco County Michigan | 1 | $ 89,000 | $ 89,000 | $ 33,000 |
| Livingston County Michigan | 1 | $ 127,000 | $ 127,000 | $ 43,000 |
| Amite County Mississippi | 1 | $ 67,000 | $ 67,000 | $ 27,000 |
| Chickasaw County Mississippi | 1 | $ 52,000 | $ 52,000 | $ 23,000 |
| Clay County Mississippi | 1 | $ 54,000 | $ 54,000 | $ 14,000 |
| Copiah County Mississippi | 1 | $ 78,000 | $ 78,000 | $ 58,000 |
| Neshoba County Mississippi | 1 | $ 252,000 | $ 252,000 | $ 57,000 |
| Jackson County Missouri | 1 | $ 120,000 | $ 120,000 | $ 40,000 |
| Jasper County Missouri | 1 | $ 203,000 | $ 203,000 | $ 53,000 |
| Jefferson County Missouri | 1 | $ 76,000 | $ 76,000 | $ 23,000 |
| Ripley County Missouri | 1 | $ 116,000 | $ 116,000 | $ 27,000 |
| Ravalli County Montana | 1 | $ 171,000 | $ 171,000 | $ 55,000 |
| Box Butte County Nebraska | 1 | $ 87,000 | $ 87,000 | $ 58,000 |
| Merrimack County New Hampshire | 1 | $ 148,000 | $ 148,000 | $ 75,000 |
| Atlantic County New Jersey | 1 | $ 205,000 | $ 205,000 | $ 56,000 |
| Erie County New York | 1 | $ 102,000 | $ 102,000 | $ 44,000 |
| Livingston County New York | 1 | $ 138,000 | $ 138,000 | $ 55,000 |
| Madison County New York | 1 | $ 108,000 | $ 108,000 | $ 30,000 |
| Monroe County New York | 1 | $ 110,000 | $ 110,000 | $ 42,000 |
| Niagara County New York | 1 | $ 133,000 | $ 133,000 | $ 44,000 |
| Wayne County New York | 1 | $ 83,000 | $ 83,000 | $ 47,000 |
| Randolph County North Carolina | 1 | $ 96,000 | $ 96,000 | $ 27,000 |
| Brown County Ohio | 1 | $ 115,000 | $ 115,000 | $ 39,000 |
| Huron County Ohio | 1 | $ 72,000 | $ 72,000 | $ 34,000 |
| Preble County Ohio | 1 | $ 75,000 | $ 75,000 | $ 22,000 |
| Dauphin County Pennsylvania | 1 | $ 156,000 | $ 156,000 | $ 56,000 |
| Franklin County Pennsylvania | 1 | $ 184,000 | $ 184,000 | $ 45,000 |
| Indiana County Pennsylvania | 1 | $ 81,000 | $ 81,000 | $ 43,000 |
| Greenwood County South Carolina | 1 | $ 148,000 | $ 148,000 | $ 29,000 |
| Pickens County South Carolina | 1 | $ 98,000 | $ 98,000 | $ 32,000 |
| Blount County Tennessee | 1 | $ 114,000 | $ 114,000 | $ 61,000 |
| Jefferson County Tennessee | 1 | $ 102,000 | $ 102,000 | $ 33,000 |
| Knox County Tennessee | 1 | $ 128,000 | $ 128,000 | $ 41,000 |
| Lawrence County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 28,000 |
| Lincoln County Tennessee | 1 | $ 86,000 | $ 86,000 | $ 41,000 |
| Monroe County Tennessee | 1 | $ 122,000 | $ 122,000 | $ 49,000 |
| Sequatchie County Tennessee | 1 | $ 147,000 | $ 147,000 | $ 28,000 |
| Sevier County Tennessee | 1 | $ 161,000 | $ 161,000 | $ 60,000 |
| Angelina County Texas | 1 | $ 138,000 | $ 138,000 | $ 38,000 |
| Burnet County Texas | 1 | $ 84,000 | $ 84,000 | $ 19,000 |
| Montgomery County Texas | 1 | $ 133,000 | $ 133,000 | $ 50,000 |
| Rockwall County Texas | 1 | $ 131,000 | $ 131,000 | $ 41,000 |
| Cache County Utah | 1 | $ 163,000 | $ 163,000 | $ 74,000 |
| Tooele County Utah | 1 | $ 163,000 | $ 163,000 | $ 35,000 |
| Grant County Washington | 1 | $ 158,000 | $ 158,000 | $ 40,000 |
| Jackson County Wisconsin | 1 | $ 91,000 | $ 91,000 | $ 29,000 |
Mortgage Loan Application Detail Totals for Citizens 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 305 | $36,316,000 | $119,000 | $379,000 | $44,000 | $225,000 |
| Refinancing | 16 | $1,163,000 | $72,000 | $200,000 | $65,000 | $160,000 |
| Home Improvement | 7 | $337,000 | $48,000 | $117,000 | $57,000 | $113,000 |
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 | 259 | $29,415,000 | $113,000 | $330,000 | $46,000 | $225,000 |
| Hispanic | 30 | $3,585,000 | $119,000 | $205,000 | $41,000 | $89,000 |
| Black or African American | 22 | $2,657,000 | $120,000 | $203,000 | $41,000 | $74,000 |
| Not Provided | 14 | $1,796,000 | $128,000 | $379,000 | $43,000 | $71,000 |
| Asian | 3 | $363,000 | $121,000 | $151,000 | $36,000 | $48,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 270 | $32,881,000 | $121,000 | $252,000 | $42,000 | $89,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 58 | $4,935,000 | $85,000 | $379,000 | $58,000 | $225,000 |
| 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 | 305 | $36,048,000 | $118,000 | $330,000 | $45,000 | $225,000 |
| Application Denied By Financial Institution | 13 | $1,333,000 | $102,000 | $379,000 | $35,000 | $68,000 |
| Application Withdrawn By Applicant | 10 | $435,000 | $43,000 | $88,000 | $62,000 | $160,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 7 | $373,000 | $53,000 | $90,000 | $39,000 | $68,000 |
| Debt-To-Income Ratio | 6 | $960,000 | $160,000 | $379,000 | $30,000 | $56,000 |
| 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 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 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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with aggregated HMDA statistics today.