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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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CITIZENS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS BANK |
| Address | 407 MAIN ST.
CARTHAGE, TN 37030 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 547 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $41,965,000 |
| Average Mortgage Loan Amount Applied For | $76,058 |
| Highest Mortgage Loan Amount Applied For | $348,000 |
| Average Applicant Income | $58,294 |
| Highest Applicant Income | $350,000 |
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| Home Improvement |
44 | $1,683,000 |
$38,000 | $318,000 |
$54,000 | $101,000 |
| Home Purchase |
184 | $15,466,000 |
$84,000 | $270,000 |
$59,000 | $200,000 |
| Refinancing |
319 | $24,816,000 |
$77,000 | $348,000 |
$56,000 | $350,000 |
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| American Indian or Alaskan Native |
1 | $49,000 |
$49,000 | $49,000 |
$26,000 | $26,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
3 | $260,000 |
$86,000 | $145,000 |
$65,000 | $122,000 |
| Hispanic |
8 | $516,000 |
$64,000 | $200,000 |
$45,000 | $138,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
535 | $41,140,000 |
$76,000 | $348,000 |
$57,000 | $350,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
547 | $41,965,000 |
$76,000 | $348,000 |
$57,000 | $350,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
1 | $147,000 |
$147,000 | $147,000 |
$44,000 | $44,000 |
| Application Denied By Financial Institution |
3 | $166,000 |
$55,000 | $66,000 |
$9,000 | $18,000 |
| Application Withdrawn By Applicant |
1 | $74,000 |
$74,000 | $74,000 |
$83,000 | $83,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
542 | $41,578,000 |
$76,000 | $348,000 |
$57,000 | $350,000 |
| 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 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
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 |
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Mortgage Loan App Totals for CITIZENS BANK by:
Metropolitan Area And
County
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