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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 | P. O. BOX 232
COLUMBIA, MS 39429 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 836 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $57,778,000 |
| Average Mortgage Loan Amount Applied For | $88,428 |
| Highest Mortgage Loan Amount Applied For | $666,000 |
| Average Applicant Income | $82,750 |
| Highest Applicant Income | $1,150,000 |
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| Home Improvement |
136 | $4,415,000 |
$32,000 | $187,000 |
$57,000 | $271,000 |
| Home Purchase |
323 | $26,516,000 |
$82,000 | $550,000 |
$66,000 | $1,132,000 |
| Refinancing |
384 | $27,085,000 |
$70,000 | $666,000 |
$62,000 | $1,150,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $277,000 |
$92,000 | $112,000 |
$73,000 | $106,000 |
| Black or African American |
159 | $7,357,000 |
$46,000 | $260,000 |
$47,000 | $297,000 |
| Hispanic |
3 | $249,000 |
$83,000 | $154,000 |
$27,000 | $47,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
29 | $3,462,000 |
$119,000 | $470,000 |
$3,000 | $90,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
649 | $46,671,000 |
$71,000 | $666,000 |
$69,000 | $1,150,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
825 | $56,518,000 |
$68,000 | $666,000 |
$63,000 | $1,150,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
18 | $1,498,000 |
$83,000 | $163,000 |
$40,000 | $70,000 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
20 | $1,670,000 |
$83,000 | $203,000 |
$59,000 | $167,000 |
| Application Denied By Financial Institution |
51 | $2,663,000 |
$52,000 | $220,000 |
$32,000 | $75,000 |
| Application Withdrawn By Applicant |
6 | $448,000 |
$74,000 | $180,000 |
$36,000 | $63,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
766 | $53,235,000 |
$69,000 | $666,000 |
$65,000 | $1,150,000 |
| 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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