Citizens National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2011
Citizens National Bank 2011 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 | 359 |
| Total Mortgage Loan Application Amount | $39,970,000 |
| Average Mortgage Loan Application Amount | $78,666 |
| Highest Mortgage Loan Application Amount | $309,000 |
| Average Applicant Income | $59,333 |
| Highest Applicant Income | $667,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2011 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 2011 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 2011.
| 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 | 34 | $ 3,109,000 | $ 91,000 | $ 92,000 |
| Lawrence County Indiana | 22 | $ 1,984,000 | $ 90,000 | $ 37,000 |
| Vigo County Indiana | 22 | $ 1,069,000 | $ 48,000 | $ 31,000 |
| Hernando County Florida | 13 | $ 1,355,000 | $ 104,000 | $ 40,000 |
| Marion County Florida | 9 | $ 719,000 | $ 79,000 | $ 27,000 |
| Warrick County Indiana | 7 | $ 844,000 | $ 120,000 | $ 45,000 |
| Riverside County California | 6 | $ 655,000 | $ 109,000 | $ 43,000 |
| Mendocino County California | 5 | $ 982,000 | $ 196,000 | $ 45,000 |
| Hillsborough County Florida | 5 | $ 666,000 | $ 133,000 | $ 51,000 |
| Wayne County New York | 5 | $ 311,000 | $ 62,000 | $ 33,000 |
| Sussex County Delaware | 4 | $ 575,000 | $ 143,000 | $ 39,000 |
| Citrus County Florida | 4 | $ 321,000 | $ 80,000 | $ 27,000 |
| Osceola County Florida | 4 | $ 497,000 | $ 124,000 | $ 45,000 |
| Polk County Florida | 4 | $ 385,000 | $ 96,000 | $ 45,000 |
| Volusia County Florida | 4 | $ 437,000 | $ 109,000 | $ 35,000 |
| Coles County Illinois | 4 | $ 300,000 | $ 75,000 | $ 55,000 |
| Monroe County Pennsylvania | 4 | $ 450,000 | $ 112,000 | $ 49,000 |
| Cherokee County Alabama | 3 | $ 236,000 | $ 78,000 | $ 34,000 |
| Apache County Arizona | 3 | $ 313,000 | $ 104,000 | $ 49,000 |
| Los Angeles County California | 3 | $ 265,000 | $ 88,000 | $ 35,000 |
| Collier County Florida | 3 | $ 310,000 | $ 103,000 | $ 35,000 |
| Kootenai County Idaho | 3 | $ 445,000 | $ 148,000 | $ 42,000 |
| Sullivan County Indiana | 3 | $ 206,000 | $ 68,000 | $ 58,000 |
| Russell County Kentucky | 3 | $ 297,000 | $ 99,000 | $ 30,000 |
| Wicomico County Maryland | 3 | $ 406,000 | $ 135,000 | $ 50,000 |
| Worcester County Massachusetts | 3 | $ 659,000 | $ 219,000 | $ 51,000 |
| Claiborne County Tennessee | 3 | $ 359,000 | $ 119,000 | $ 43,000 |
| Hardin County Texas | 3 | $ 321,000 | $ 107,000 | $ 57,000 |
| Coconino County Arizona | 2 | $ 375,000 | $ 187,000 | $ 54,000 |
| Benton County Arkansas | 2 | $ 174,000 | $ 87,000 | $ 35,000 |
| Cleburne County Arkansas | 2 | $ 213,000 | $ 106,000 | $ 42,000 |
| Monterey County California | 2 | $ 352,000 | $ 176,000 | $ 45,000 |
| San Bernardino County California | 2 | $ 326,000 | $ 163,000 | $ 36,000 |
| San Diego County California | 2 | $ 578,000 | $ 289,000 | $ 66,000 |
| Siskiyou County California | 2 | $ 173,000 | $ 86,000 | $ 28,000 |
| Kent County Delaware | 2 | $ 335,000 | $ 167,000 | $ 49,000 |
| Escambia County Florida | 2 | $ 182,000 | $ 91,000 | $ 40,000 |
| Flagler County Florida | 2 | $ 181,000 | $ 90,000 | $ 28,000 |
| Indian River County Florida | 2 | $ 168,000 | $ 84,000 | $ 47,000 |
| Lee County Florida | 2 | $ 218,000 | $ 109,000 | $ 35,000 |
| Santa Rosa County Florida | 2 | $ 216,000 | $ 108,000 | $ 39,000 |
| Clay County Indiana | 2 | $ 180,000 | $ 90,000 | $ 34,000 |
| Orange County Indiana | 2 | $ 166,000 | $ 83,000 | $ 31,000 |
| Vanderburgh County Indiana | 2 | $ 259,000 | $ 129,000 | $ 29,000 |
| Madison County Kentucky | 2 | $ 285,000 | $ 142,000 | $ 49,000 |
| Pulaski County Kentucky | 2 | $ 144,000 | $ 72,000 | $ 38,000 |
| Trigg County Kentucky | 2 | $ 251,000 | $ 125,000 | $ 50,000 |
| St. John the Baptist County Louisiana | 2 | $ 351,000 | $ 175,000 | $ 58,000 |
| Adams County Mississippi | 2 | $ 130,000 | $ 65,000 | $ 26,000 |
| Warren County Mississippi | 2 | $ 125,000 | $ 62,000 | $ 27,000 |
| Livingston County New York | 2 | $ 216,000 | $ 108,000 | $ 45,000 |
| Onondaga County New York | 2 | $ 209,000 | $ 104,000 | $ 37,000 |
| Ontario County New York | 2 | $ 200,000 | $ 100,000 | $ 32,000 |
| Orange County New York | 2 | $ 430,000 | $ 215,000 | $ 75,000 |
| Linn County Oregon | 2 | $ 257,000 | $ 128,000 | $ 32,000 |
| Carbon County Pennsylvania | 2 | $ 345,000 | $ 172,000 | $ 62,000 |
| York County Pennsylvania | 2 | $ 289,000 | $ 144,000 | $ 58,000 |
| Angelina County Texas | 2 | $ 170,000 | $ 85,000 | $ 29,000 |
| El Paso County Texas | 2 | $ 236,000 | $ 118,000 | $ 46,000 |
| Rockwall County Texas | 2 | $ 269,000 | $ 134,000 | $ 52,000 |
| Hancock County West Virginia | 2 | $ 144,000 | $ 72,000 | $ 36,000 |
| Baldwin County Alabama | 1 | $ 89,000 | $ 89,000 | $ 36,000 |
| Pinal County Arizona | 1 | $ 86,000 | $ 86,000 | $ 31,000 |
| Faulkner County Arkansas | 1 | $ 158,000 | $ 158,000 | $ 41,000 |
| Imperial County California | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Kern County California | 1 | $ 98,000 | $ 98,000 | $ 59,000 |
| Madera County California | 1 | $ 99,000 | $ 99,000 | $ 38,000 |
| Sonoma County California | 1 | $ 259,000 | $ 259,000 | $ 68,000 |
| Stanislaus County California | 1 | $ 140,000 | $ 140,000 | $ 52,000 |
| Weld County Colorado | 1 | $ 129,000 | $ 129,000 | $ 61,000 |
| Levy County Florida | 1 | $ 91,000 | $ 91,000 | $ 35,000 |
| Orange County Florida | 1 | $ 112,000 | $ 112,000 | $ 58,000 |
| Pasco County Florida | 1 | $ 161,000 | $ 161,000 | $ 68,000 |
| Sarasota County Florida | 1 | $ 114,000 | $ 114,000 | $ 43,000 |
| St. Johns County Florida | 1 | $ 82,000 | $ 82,000 | $ 32,000 |
| Walton County Florida | 1 | $ 140,000 | $ 140,000 | $ 70,000 |
| Idaho County Idaho | 1 | $ 104,000 | $ 104,000 | $ 52,000 |
| Clark County Illinois | 1 | $ 178,000 | $ 178,000 | $ 47,000 |
| Cumberland County Illinois | 1 | $ 54,000 | $ 54,000 | $ 67,000 |
| Douglas County Illinois | 1 | $ 53,000 | $ 53,000 | $ 29,000 |
| Monroe County Illinois | 1 | $ 126,000 | $ 126,000 | $ 38,000 |
| Boone County Indiana | 1 | $ 143,000 | $ 143,000 | $ 50,000 |
| Cass County Indiana | 1 | $ 68,000 | $ 68,000 | $ 45,000 |
| Clark County Indiana | 1 | $ 141,000 | $ 141,000 | $ 38,000 |
| Dearborn County Indiana | 1 | $ 115,000 | $ 115,000 | $ 34,000 |
| Elkhart County Indiana | 1 | $ 116,000 | $ 116,000 | $ 39,000 |
| Monroe County Indiana | 1 | $ 134,000 | $ 134,000 | $ 31,000 |
| Perry County Indiana | 1 | $ 80,000 | $ 80,000 | $ 33,000 |
| Anderson County Kentucky | 1 | $ 98,000 | $ 98,000 | $ 71,000 |
| Graves County Kentucky | 1 | $ 98,000 | $ 98,000 | $ 43,000 |
| Henderson County Kentucky | 1 | $ 64,000 | $ 64,000 | $ 29,000 |
| Shelby County Kentucky | 1 | $ 144,000 | $ 144,000 | $ 60,000 |
| Ascension County Louisiana | 1 | $ 134,000 | $ 134,000 | $ 47,000 |
| Assumption County Louisiana | 1 | $ 201,000 | $ 201,000 | $ 51,000 |
| East Baton Rouge County Louisiana | 1 | $ 135,000 | $ 135,000 | $ 33,000 |
| Lafourche County Louisiana | 1 | $ 138,000 | $ 138,000 | $ 38,000 |
| Livingston County Louisiana | 1 | $ 162,000 | $ 162,000 | $ 31,000 |
| Rapides County Louisiana | 1 | $ 129,000 | $ 129,000 | $ 54,000 |
| St. Charles County Louisiana | 1 | $ 92,000 | $ 92,000 | $ 39,000 |
| St. Tammany County Louisiana | 1 | $ 180,000 | $ 180,000 | $ 41,000 |
| Cumberland County Maine | 1 | $ 218,000 | $ 218,000 | $ 64,000 |
| Worcester County Maryland | 1 | $ 150,000 | $ 150,000 | $ 45,000 |
| Jackson County Minnesota | 1 | $ 64,000 | $ 64,000 | $ 23,000 |
| Leake County Mississippi | 1 | $ 140,000 | $ 140,000 | $ 41,000 |
| Lincoln County Mississippi | 1 | $ 123,000 | $ 123,000 | $ 35,000 |
| Monroe County Mississippi | 1 | $ 53,000 | $ 53,000 | $ 32,000 |
| Washington County Mississippi | 1 | $ 188,000 | $ 188,000 | $ 52,000 |
| Wilkinson County Mississippi | 1 | $ 146,000 | $ 146,000 | $ 49,000 |
| Jasper County Missouri | 1 | $ 71,000 | $ 71,000 | $ 16,000 |
| Polk County Missouri | 1 | $ 231,000 | $ 231,000 | $ 70,000 |
| St. Clair County Missouri | 1 | $ 83,000 | $ 83,000 | $ 35,000 |
| Flathead County Montana | 1 | $ 165,000 | $ 165,000 | $ 37,000 |
| Yellowstone County Montana | 1 | $ 192,000 | $ 192,000 | $ 67,000 |
| Atlantic County New Jersey | 1 | $ 197,000 | $ 197,000 | $ 65,000 |
| Roosevelt County New Mexico | 1 | $ 116,000 | $ 116,000 | $ 49,000 |
| Broome County New York | 1 | $ 108,000 | $ 108,000 | $ 25,000 |
| Chemung County New York | 1 | $ 89,000 | $ 89,000 | $ 47,000 |
| Dutchess County New York | 1 | $ 269,000 | $ 269,000 | $ 79,000 |
| Franklin County New York | 1 | $ 94,000 | $ 94,000 | $ 43,000 |
| Monroe County New York | 1 | $ 121,000 | $ 121,000 | $ 60,000 |
| Orleans County New York | 1 | $ 80,000 | $ 80,000 | $ 47,000 |
| Oswego County New York | 1 | $ 104,000 | $ 104,000 | $ 44,000 |
| Seneca County New York | 1 | $ 78,000 | $ 78,000 | $ 51,000 |
| Sullivan County New York | 1 | $ 93,000 | $ 93,000 | $ 35,000 |
| Tioga County New York | 1 | $ 105,000 | $ 105,000 | $ 27,000 |
| Licking County Ohio | 1 | $ 147,000 | $ 147,000 | $ 47,000 |
| Lorain County Ohio | 1 | $ 118,000 | $ 118,000 | $ 34,000 |
| Greer County Oklahoma | 1 | $ 82,000 | $ 82,000 | $ 31,000 |
| Marion County Oregon | 1 | $ 208,000 | $ 208,000 | $ 61,000 |
| Yamhill County Oregon | 1 | $ 177,000 | $ 177,000 | $ 56,000 |
| Butler County Pennsylvania | 1 | $ 164,000 | $ 164,000 | $ 66,000 |
| Chester County Pennsylvania | 1 | $ 261,000 | $ 261,000 | $ 83,000 |
| Cumberland County Pennsylvania | 1 | $ 128,000 | $ 128,000 | $ 54,000 |
| Franklin County Pennsylvania | 1 | $ 179,000 | $ 179,000 | $ 68,000 |
| Lancaster County Pennsylvania | 1 | $ 83,000 | $ 83,000 | $ 40,000 |
| Pike County Pennsylvania | 1 | $ 91,000 | $ 91,000 | $ 42,000 |
| Schuylkill County Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 43,000 |
| Westmoreland County Pennsylvania | 1 | $ 72,000 | $ 72,000 | $ 24,000 |
| Greenville County South Carolina | 1 | $ 241,000 | $ 241,000 | $ 48,000 |
| Hampton County South Carolina | 1 | $ 68,000 | $ 68,000 | $ 35,000 |
| Anderson County Texas | 1 | $ 78,000 | $ 78,000 | $ 58,000 |
| Collin County Texas | 1 | $ 102,000 | $ 102,000 | $ 48,000 |
| Hays County Texas | 1 | $ 271,000 | $ 271,000 | $ 62,000 |
| Hidalgo County Texas | 1 | $ 85,000 | $ 85,000 | $ 49,000 |
| Jefferson County Texas | 1 | $ 78,000 | $ 78,000 | $ 42,000 |
| Llano County Texas | 1 | $ 119,000 | $ 119,000 | $ 31,000 |
| Lubbock County Texas | 1 | $ 114,000 | $ 114,000 | $ 35,000 |
| Orange County Texas | 1 | $ 114,000 | $ 114,000 | $ 44,000 |
| Reeves County Texas | 1 | $ 109,000 | $ 109,000 | $ 29,000 |
| Smith County Texas | 1 | $ 141,000 | $ 141,000 | $ 37,000 |
| Tyler County Texas | 1 | $ 124,000 | $ 124,000 | $ 47,000 |
| Williamson County Texas | 1 | $ 130,000 | $ 130,000 | $ 54,000 |
| Wood County Texas | 1 | $ 83,000 | $ 83,000 | $ 27,000 |
| Frederick County Virginia | 1 | $ 117,000 | $ 117,000 | $ 31,000 |
| Henry County Virginia | 1 | $ 112,000 | $ 112,000 | $ 31,000 |
| Mecklenburg County Virginia | 1 | $ 171,000 | $ 171,000 | $ 55,000 |
| Pierce County Washington | 1 | $ 161,000 | $ 161,000 | $ 40,000 |
| Snohomish County Washington | 1 | $ 207,000 | $ 207,000 | $ 72,000 |
| Berkeley County West Virginia | 1 | $ 179,000 | $ 179,000 | $ 37,000 |
| Jefferson County West Virginia | 1 | $ 132,000 | $ 132,000 | $ 32,000 |
| Brown County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 65,000 |
| Juneau County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Kenosha County Wisconsin | 1 | $ 88,000 | $ 88,000 | $ 32,000 |
| Monroe County 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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