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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, N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS BANK, N.A. |
| Address | 833 BROADWAY
ALBANY, NY 12207 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 17,130 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $707,190,000 |
| Average Mortgage Loan Amount Applied For | $55,173 |
| Highest Mortgage Loan Amount Applied For | $4,320,000 |
| Average Applicant Income | $85,226 |
| Highest Applicant Income | $2,262,000 |
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| Home Improvement |
10,479 | $267,554,000 |
$25,000 | $700,000 |
$57,000 | $2,262,000 |
| Home Purchase |
495 | $38,407,000 |
$77,000 | $700,000 |
$95,000 | $1,355,000 |
| Refinancing |
6,156 | $401,229,000 |
$65,000 | $4,320,000 |
$79,000 | $1,500,000 |
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| American Indian or Alaskan Native |
77 | $3,464,000 |
$44,000 | $700,000 |
$75,000 | $670,000 |
| Asian |
264 | $16,307,000 |
$61,000 | $570,000 |
$82,000 | $1,950,000 |
| Black or African American |
1,020 | $26,584,000 |
$26,000 | $500,000 |
$46,000 | $612,000 |
| Hispanic |
521 | $19,118,000 |
$36,000 | $550,000 |
$56,000 | $630,000 |
| Native Hawaiin or Other Pacific Islander |
45 | $1,526,000 |
$33,000 | $250,000 |
$58,000 | $275,000 |
| Not applicable |
4 | $5,276,000 |
$1,319,000 | $4,320,000 |
$0 | $0 |
| Not Provided |
1,135 | $52,633,000 |
$46,000 | $650,000 |
$75,000 | $630,000 |
| White |
14,064 | $582,282,000 |
$41,000 | $900,000 |
$67,000 | $2,262,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
17,130 | $707,190,000 |
$41,000 | $4,320,000 |
$66,000 | $2,262,000 |
| 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 |
1,029 | $55,229,000 |
$53,000 | $700,000 |
$79,000 | $2,262,000 |
| Application Denied By Financial Institution |
7,706 | $273,701,000 |
$35,000 | $900,000 |
$55,000 | $1,950,000 |
| Application Withdrawn By Applicant |
26 | $1,092,000 |
$42,000 | $210,000 |
$62,000 | $415,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
8,369 | $377,168,000 |
$45,000 | $4,320,000 |
$75,000 | $1,500,000 |
| 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 |
1,074 | $71,893,000 |
$66,000 | $650,000 |
$93,000 | $1,315,000 |
| Credit Application Incomplete |
53 | $2,340,000 |
$44,000 | $300,000 |
$145,000 | $1,058,000 |
| Credit History |
2,969 | $90,168,000 |
$30,000 | $545,000 |
$51,000 | $1,040,000 |
| Debt-To-Income Ratio |
2,369 | $82,960,000 |
$35,000 | $900,000 |
$40,000 | $653,000 |
| Employment History |
44 | $1,291,000 |
$29,000 | $300,000 |
$38,000 | $112,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
876 | $14,662,000 |
$16,000 | $375,000 |
$54,000 | $580,000 |
| Unverifiable Information |
321 | $10,387,000 |
$32,000 | $500,000 |
$65,000 | $1,950,000 |
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Mortgage Loan App Totals for CITIZENS BANK, N.A. by:
Metropolitan Area And
County
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