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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 | POB 388 / 239 EAST MAIN ST
MARKS, MS 38646 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 88 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $5,127,000 |
| Average Mortgage Loan Amount Applied For | $68,555 |
| Highest Mortgage Loan Amount Applied For | $679,000 |
| Average Applicant Income | $69,777 |
| Highest Applicant Income | $500,000 |
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| Home Improvement |
17 | $511,000 |
$30,000 | $140,000 |
$72,000 | $255,000 |
| Home Purchase |
35 | $2,709,000 |
$77,000 | $679,000 |
$57,000 | $299,000 |
| Refinancing |
36 | $1,907,000 |
$52,000 | $181,000 |
$67,000 | $500,000 |
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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 |
20 | $616,000 |
$30,000 | $88,000 |
$36,000 | $78,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
3 | $1,044,000 |
$348,000 | $679,000 |
$266,000 | $500,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
65 | $3,467,000 |
$53,000 | $415,000 |
$63,000 | $255,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
88 | $5,127,000 |
$58,000 | $679,000 |
$64,000 | $500,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
6 | $184,000 |
$30,000 | $50,000 |
$45,000 | $83,000 |
| Application Withdrawn By Applicant |
3 | $98,000 |
$32,000 | $45,000 |
$21,000 | $29,000 |
| File Closed For Incompleteness |
2 | $112,000 |
$56,000 | $67,000 |
$28,000 | $29,000 |
| Loan Originated |
77 | $4,733,000 |
$61,000 | $679,000 |
$68,000 | $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 |
3 | $66,000 |
$22,000 | $39,000 |
$46,000 | $83,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $118,000 |
$39,000 | $50,000 |
$43,000 | $73,000 |
| 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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