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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 | PO BOX 98
RUTLEDGE, TN 37861 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 284 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $12,382,000 |
| Average Mortgage Loan Amount Applied For | $70,090 |
| Highest Mortgage Loan Amount Applied For | $384,000 |
| Average Applicant Income | $45,909 |
| Highest Applicant Income | $750,000 |
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| Home Improvement |
100 | $1,696,000 |
$16,000 | $276,000 |
$41,000 | $138,000 |
| Home Purchase |
93 | $6,329,000 |
$68,000 | $384,000 |
$52,000 | $750,000 |
| Refinancing |
91 | $4,357,000 |
$47,000 | $300,000 |
$53,000 | $750,000 |
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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 |
1 | $42,000 |
$42,000 | $42,000 |
$29,000 | $29,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
2 | $540,000 |
$270,000 | $384,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
281 | $11,800,000 |
$41,000 | $300,000 |
$49,000 | $750,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
284 | $12,382,000 |
$43,000 | $384,000 |
$48,000 | $750,000 |
| 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 | $10,000 |
$10,000 | $10,000 |
$50,000 | $50,000 |
| Application Denied By Financial Institution |
22 | $1,517,000 |
$68,000 | $300,000 |
$38,000 | $88,000 |
| Application Withdrawn By Applicant |
14 | $917,000 |
$65,000 | $125,000 |
$37,000 | $84,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
247 | $9,938,000 |
$40,000 | $384,000 |
$50,000 | $750,000 |
| 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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