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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 & TRUST CO.
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS BANK & TRUST CO. |
| Address | 222 N. NEW HAMPSHIRE STREET
COVINGTON, LA 70433 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 37 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $5,992,000 |
| Average Mortgage Loan Amount Applied For | $158,500 |
| Highest Mortgage Loan Amount Applied For | $691,000 |
| Average Applicant Income | $113,750 |
| Highest Applicant Income | $436,000 |
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| Home Improvement |
1 | $30,000 |
$30,000 | $30,000 |
$47,000 | $47,000 |
| Home Purchase |
18 | $3,291,000 |
$182,000 | $581,000 |
$71,000 | $171,000 |
| Refinancing |
18 | $2,671,000 |
$148,000 | $691,000 |
$111,000 | $436,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
7 | $1,284,000 |
$183,000 | $691,000 |
$64,000 | $144,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
30 | $4,708,000 |
$156,000 | $581,000 |
$96,000 | $436,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
37 | $5,992,000 |
$161,000 | $691,000 |
$90,000 | $436,000 |
| 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 |
2 | $550,000 |
$275,000 | $430,000 |
$113,000 | $121,000 |
| Application Denied By Financial Institution |
3 | $467,000 |
$155,000 | $200,000 |
$59,000 | $75,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
32 | $4,975,000 |
$155,000 | $691,000 |
$91,000 | $436,000 |
| 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 & TRUST CO. by:
Metropolitan Area And
County
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