Citizens National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
Citizens National Bank 2010 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 | 666 |
| Total Mortgage Loan Application Amount | $77,851,000 |
| Average Mortgage Loan Application Amount | $116,000 |
| Highest Mortgage Loan Application Amount | $588,000 |
| Average Applicant Income | $67,333 |
| Highest Applicant Income | $333,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 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 2010 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 2010.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 40 | $ 4,082,000 | $ 102,000 | $ 41,000 |
| OCALA, FL | 29 | $ 2,807,000 | $ 96,000 | $ 36,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 26 | $ 3,037,000 | $ 116,000 | $ 36,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 16 | $ 1,776,000 | $ 111,000 | $ 38,000 |
| ROCHESTER, NY | 16 | $ 1,753,000 | $ 109,000 | $ 41,000 |
| PHOENIX-MESA-GLENDALE, AZ | 15 | $ 1,684,000 | $ 112,000 | $ 47,000 |
| TERRE HAUTE, IN | 14 | $ 1,378,000 | $ 98,000 | $ 60,000 |
| LAKELAND-WINTER HAVEN, FL | 13 | $ 1,478,000 | $ 113,000 | $ 37,000 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 12 | $ 1,675,000 | $ 105,000 | $ 45,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 9 | $ 1,344,000 | $ 149,000 | $ 52,000 |
| YORK-HANOVER, PA | 8 | $ 1,216,000 | $ 152,000 | $ 47,000 |
| EVANSVILLE, IN-KY | 7 | $ 798,000 | $ 114,000 | $ 37,000 |
| NEW ORLEANS-METAIRIE-KENNER, LA | 7 | $ 1,116,000 | $ 159,000 | $ 41,000 |
| NORTH PORT-BRADENTON-SARASOTA, FL | 7 | $ 752,000 | $ 107,000 | $ 43,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 7 | $ 1,080,000 | $ 154,000 | $ 51,000 |
| LOUISVILLE-JEFFERSON COUNTY, KY-IN | 6 | $ 784,000 | $ 131,000 | $ 37,000 |
| NAPLES-MARCO ISLAND, FL | 6 | $ 768,000 | $ 128,000 | $ 45,000 |
| CAPE CORAL-FORT MYERS, FL | 5 | $ 477,000 | $ 95,000 | $ 39,000 |
| INDIANAPOLIS-CARMEL, IN | 4 | $ 593,000 | $ 148,000 | $ 75,000 |
| JACKSONVILLE, FL | 4 | $ 539,000 | $ 134,000 | $ 51,000 |
| SEBASTIAN-VERO BEACH, FL | 4 | $ 479,000 | $ 119,000 | $ 44,000 |
| SYRACUSE, NY | 4 | $ 535,000 | $ 133,000 | $ 56,000 |
| BINGHAMTON, NY | 3 | $ 310,000 | $ 103,000 | $ 38,000 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 3 | $ 535,000 | $ 185,500 | $ 54,000 |
| HOUMA-BAYOU CANE-THIBODAUX, LA | 3 | $ 354,000 | $ 118,000 | $ 47,000 |
| KALAMAZOO-PORTAGE, MI | 3 | $ 333,000 | $ 111,000 | $ 43,000 |
| MEMPHIS, TN-MS-AR | 3 | $ 221,000 | $ 69,500 | $ 36,500 |
| MODESTO, CA | 3 | $ 389,000 | $ 129,000 | $ 35,000 |
| PITTSBURGH, PA | 3 | $ 521,000 | $ 173,000 | $ 51,000 |
| RALEIGH-CARY, NC | 3 | $ 594,000 | $ 198,000 | $ 45,000 |
| SALINAS, CA | 3 | $ 682,000 | $ 227,000 | $ 56,000 |
| ST. LOUIS, MO-IL | 3 | $ 342,000 | $ 120,000 | $ 43,500 |
| ANNISTON-OXFORD, AL | 2 | $ 242,000 | $ 121,000 | $ 44,000 |
| ATLANTIC CITY-HAMMONTON, NJ | 2 | $ 432,000 | $ 216,000 | $ 72,000 |
| BANGOR, ME | 2 | $ 303,000 | $ 151,000 | $ 63,000 |
| BEAUMONT-PORT ARTHUR, TX | 2 | $ 243,000 | $ 121,000 | $ 36,000 |
| BIRMINGHAM-HOOVER, AL | 2 | $ 253,000 | $ 126,000 | $ 35,000 |
| CHAMPAIGN-URBANA, IL | 2 | $ 165,000 | $ 82,000 | $ 37,000 |
| CLARKSVILLE, TN-KY | 2 | $ 160,000 | $ 80,000 | $ 53,000 |
| COLUMBUS, OH | 2 | $ 313,000 | $ 156,000 | $ 48,000 |
| DALLAS-PLANO-IRVING, TX | 2 | $ 281,000 | $ 140,000 | $ 53,000 |
| HOUSTON-SUGAR LAND-BAYTOWN, TX | 2 | $ 298,000 | $ 149,000 | $ 45,000 |
| KANSAS CITY, MO-KS | 2 | $ 296,000 | $ 148,000 | $ 56,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 2 | $ 184,000 | $ 92,000 | $ 50,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 2 | $ 207,000 | $ 103,000 | $ 33,000 |
| PALM COAST, FL | 2 | $ 204,000 | $ 102,000 | $ 35,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 2 | $ 447,000 | $ 223,000 | $ 47,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 2 | $ 569,000 | $ 284,000 | $ 62,000 |
| SPRINGFIELD, MO | 2 | $ 270,000 | $ 135,000 | $ 43,000 |
| TACOMA, WA | 2 | $ 427,000 | $ 213,000 | $ 57,000 |
| TULSA, OK | 2 | $ 395,000 | $ 197,000 | $ 54,000 |
| UTICA-ROME, NY | 2 | $ 287,000 | $ 143,000 | $ 40,000 |
| WILMINGTON, DE-MD-NJ | 2 | $ 347,000 | $ 173,500 | $ 40,000 |
| WINCHESTER, VA-WV | 2 | $ 199,000 | $ 99,000 | $ 26,000 |
| AUSTIN-ROUND ROCK-SAN MARCOS, TX | 1 | $ 116,000 | $ 116,000 | $ 73,000 |
| BAKERSFIELD-DELANO, CA | 1 | $ 224,000 | $ 224,000 | $ 55,000 |
| BARNSTABLE TOWN, MA | 1 | $ 151,000 | $ 151,000 | $ 49,000 |
| BROWNSVILLE-HARLINGEN, TX | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
| BURLINGTON-SOUTH BURLINGTON, VT | 1 | $ 216,000 | $ 216,000 | $ 45,000 |
| CEDAR RAPIDS, IA | 1 | $ 71,000 | $ 71,000 | $ 21,000 |
| COLUMBIA, SC | 1 | $ 141,000 | $ 141,000 | $ 32,000 |
| COLUMBUS, IN | 1 | $ 102,000 | $ 102,000 | $ 79,000 |
| DANVILLE, IL | 1 | $ 10,000 | $ 10,000 | $ 28,000 |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 1 | $ 178,000 | $ 178,000 | $ 60,000 |
| DES MOINES-WEST DES MOINES, IA | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| EL CENTRO, CA | 1 | $ 141,000 | $ 141,000 | $ 47,000 |
| ELKHART-GOSHEN, IN | 1 | $ 148,000 | $ 148,000 | $ 41,000 |
| ELMIRA, NY | 1 | $ 127,000 | $ 127,000 | $ 50,000 |
| ERIE, PA | 1 | $ 161,000 | $ 161,000 | $ 59,000 |
| FARGO, ND-MN | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 1 | $ 149,000 | $ 149,000 | $ 49,000 |
| FLORENCE, SC | 1 | $ 83,000 | $ 83,000 | $ 18,000 |
| FLORENCE-MUSCLE SHOALS, AL | 1 | $ 82,000 | $ 82,000 | $ 38,000 |
| FRESNO, CA | 1 | $ 141,000 | $ 141,000 | $ 59,000 |
| GADSDEN, AL | 1 | $ 176,000 | $ 176,000 | $ 67,000 |
| GRAND RAPIDS-WYOMING, MI | 1 | $ 130,000 | $ 130,000 | $ 44,000 |
| GREENSBORO-HIGH POINT, NC | 1 | $ 83,000 | $ 83,000 | $ 21,000 |
| HARRISBURG-CARLISLE, PA | 1 | $ 144,000 | $ 144,000 | $ 29,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 1 | $ 252,000 | $ 252,000 | $ 101,000 |
| HOLLAND-GRAND HAVEN, MI | 1 | $ 109,000 | $ 109,000 | $ 37,000 |
| IOWA CITY, IA | 1 | $ 99,000 | $ 99,000 | $ 38,000 |
| JACKSON, MI | 1 | $ 64,000 | $ 64,000 | $ 31,000 |
| JACKSON, MS | 1 | $ 144,000 | $ 144,000 | $ 50,000 |
| JOHNSTOWN, PA | 1 | $ 132,000 | $ 132,000 | $ 49,000 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 1 | $ 103,000 | $ 103,000 | $ 38,000 |
| KNOXVILLE, TN | 1 | $ 97,000 | $ 97,000 | $ 54,000 |
| LAKE HAVASU CITY-KINGMAN, AZ | 1 | $ 129,000 | $ 129,000 | $ 46,000 |
| LANCASTER, PA | 1 | $ 160,000 | $ 160,000 | $ 48,000 |
| LAS VEGAS-PARADISE, NV | 1 | $ 140,000 | $ 140,000 | $ 46,000 |
| LONGVIEW, TX | 1 | $ 61,000 | $ 61,000 | $ 31,000 |
| LYNCHBURG, VA | 1 | $ 91,000 | $ 91,000 | $ 30,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 1 | $ 273,000 | $ 273,000 | $ 63,000 |
| MOBILE, AL | 1 | $ 120,000 | $ 120,000 | $ 47,000 |
| MUSKEGON-NORTON SHORES, MI | 1 | $ 78,000 | $ 78,000 | $ 29,000 |
| MYRTLE BEACH-NORTH MYRTLE BEACH-CONWAY, SC | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| NASSAU-SUFFOLK, NY | 1 | $ 425,000 | $ 425,000 | $ 87,000 |
| NEWARK-UNION, NJ-PA | 1 | $ 109,000 | $ 109,000 | $ 46,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 1 | $ 109,000 | $ 109,000 | $ 34,000 |
| OCEAN CITY, NJ | 1 | $ 274,000 | $ 274,000 | $ 63,000 |
| OKLAHOMA CITY, OK | 1 | $ 173,000 | $ 173,000 | $ 37,000 |
| OLYMPIA, WA | 1 | $ 259,000 | $ 259,000 | $ 64,000 |
| PANAMA CITY-LYNN HAVEN-PANAMA CITY BEACH, FL | 1 | $ 91,000 | $ 91,000 | $ 56,000 |
| PHILADELPHIA, PA | 1 | $ 213,000 | $ 213,000 | $ 51,000 |
| PORT ST. LUCIE, FL | 1 | $ 106,000 | $ 106,000 | $ 46,000 |
| PORTLAND-SOUTH PORTLAND-BIDDEFORD, ME | 1 | $ 158,000 | $ 158,000 | $ 58,000 |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY | 1 | $ 295,000 | $ 295,000 | $ 89,000 |
| READING, PA | 1 | $ 195,000 | $ 195,000 | $ 71,000 |
| REDDING, CA | 1 | $ 171,000 | $ 171,000 | $ 47,000 |
| ROCHESTER, MN | 1 | $ 193,000 | $ 193,000 | $ 86,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 1 | $ 142,000 | $ 142,000 | $ 79,000 |
| ROCKY MOUNT, NC | 1 | $ 123,000 | $ 123,000 | $ 35,000 |
| SALISBURY, MD | 1 | $ 109,000 | $ 109,000 | $ 33,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 1 | $ 80,000 | $ 80,000 | $ 49,000 |
| SAN LUIS OBISPO-PASO ROBLES, CA | 1 | $ 269,000 | $ 269,000 | $ 72,000 |
| SAVANNAH, GA | 1 | $ 101,000 | $ 101,000 | $ 41,000 |
| SHREVEPORT-BOSSIER CITY, LA | 1 | $ 126,000 | $ 126,000 | $ 68,000 |
| SPARTANBURG, SC | 1 | $ 106,000 | $ 106,000 | $ 32,000 |
| STEUBENVILLE-WEIRTON, OH-WV | 1 | $ 231,000 | $ 231,000 | $ 52,000 |
| STOCKTON, CA | 1 | $ 206,000 | $ 206,000 | $ 55,000 |
| TALLAHASSEE, FL | 1 | $ 65,000 | $ 65,000 | $ 26,000 |
| TUSCALOOSA, AL | 1 | $ 174,000 | $ 174,000 | $ 28,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 1 | $ 111,000 | $ 111,000 | $ 27,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 1 | $ 212,000 | $ 212,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for Citizens National Bank in 2010
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 | 599 | $71,005,000 | $118,000 | $425,000 | $44,000 | $268,000 |
| Refinancing | 64 | $6,454,000 | $100,000 | $588,000 | $72,000 | $333,000 |
| Home Improvement | 3 | $392,000 | $130,000 | $160,000 | $86,000 | $118,000 |
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 | 550 | $63,732,000 | $115,000 | $425,000 | $48,000 | $333,000 |
| Hispanic | 67 | $8,014,000 | $119,000 | $301,000 | $44,000 | $116,000 |
| Black or African American | 41 | $4,815,000 | $117,000 | $252,000 | $41,000 | $101,000 |
| American Indian or Alaskan Native | 3 | $329,000 | $109,000 | $130,000 | $36,000 | $42,000 |
| Not applicable | 2 | $611,000 | $305,000 | $588,000 | $0 | $0 |
| Not Provided | 1 | $67,000 | $67,000 | $67,000 | $29,000 | $29,000 |
| Asian | 1 | $148,000 | $148,000 | $148,000 | $38,000 | $38,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $42,000 | $42,000 |
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) | 565 | $68,857,000 | $121,000 | $425,000 | $42,000 | $101,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 101 | $8,994,000 | $89,000 | $588,000 | $73,000 | $333,000 |
| 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 | 641 | $75,951,000 | $118,000 | $588,000 | $46,000 | $333,000 |
| Application Denied By Financial Institution | 13 | $966,000 | $74,000 | $149,000 | $51,000 | $97,000 |
| Application Withdrawn By Applicant | 11 | $869,000 | $79,000 | $150,000 | $83,000 | $268,000 |
| Application Approved But Not Accepted | 1 | $65,000 | $65,000 | $65,000 | $129,000 | $129,000 |
| 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 | 7 | $555,000 | $79,000 | $149,000 | $60,000 | $97,000 |
| Debt-To-Income Ratio | 5 | $367,000 | $73,000 | $125,000 | $47,000 | $78,000 |
| Collateral | 1 | $44,000 | $44,000 | $44,000 | $12,000 | $12,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens National Bank's 2010 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.