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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 COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS BANK & TRUST COMPANY |
| Address | 5700 N. CENTRAL AVENUE
CHICAGO, IL 60646 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 11 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $2,611,000 |
| Average Mortgage Loan Amount Applied For | $188,333 |
| Highest Mortgage Loan Amount Applied For | $505,000 |
| Average Applicant Income | $75,666 |
| Highest Applicant Income | $297,000 |
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| Home Improvement |
1 | $40,000 |
$40,000 | $40,000 |
$0 | $0 |
| Home Purchase |
8 | $1,706,000 |
$213,000 | $349,000 |
$98,000 | $297,000 |
| Refinancing |
2 | $865,000 |
$432,000 | $505,000 |
$124,000 | $174,000 |
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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 |
5 | $915,000 |
$183,000 | $341,000 |
$61,000 | $136,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
6 | $1,696,000 |
$282,000 | $505,000 |
$121,000 | $297,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
11 | $2,611,000 |
$237,000 | $505,000 |
$94,000 | $297,000 |
| 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 |
2 | $615,000 |
$307,000 | $505,000 |
$125,000 | $174,000 |
| Application Withdrawn By Applicant |
2 | $435,000 |
$217,000 | $235,000 |
$41,000 | $50,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
7 | $1,561,000 |
$223,000 | $360,000 |
$100,000 | $297,000 |
| 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 |
1 | $505,000 |
$505,000 | $505,000 |
$174,000 | $174,000 |
| 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 |
1 | $110,000 |
$110,000 | $110,000 |
$76,000 | $76,000 |
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Mortgage Loan App Totals for CITIZENS BANK & TRUST COMPANY by:
Metropolitan Area And
County
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