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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
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS BANK & TRUST |
| Address | P.O. BOX 250
GUNTERSVILLE, AL 35976 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 157 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $14,786,000 |
| Average Mortgage Loan Amount Applied For | $145,600 |
| Highest Mortgage Loan Amount Applied For | $604,000 |
| Average Applicant Income | $216,200 |
| Highest Applicant Income | $805,000 |
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| Home Improvement |
20 | $991,000 |
$49,000 | $147,000 |
$52,000 | $93,000 |
| Home Purchase |
74 | $5,985,000 |
$80,000 | $314,000 |
$103,000 | $685,000 |
| Refinancing |
63 | $7,810,000 |
$123,000 | $604,000 |
$118,000 | $805,000 |
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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 | $50,000 |
$50,000 | $50,000 |
$31,000 | $31,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
24 | $2,992,000 |
$124,000 | $604,000 |
$141,000 | $680,000 |
| Not Provided |
9 | $897,000 |
$99,000 | $506,000 |
$72,000 | $220,000 |
| White |
123 | $10,847,000 |
$88,000 | $546,000 |
$97,000 | $805,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
157 | $14,786,000 |
$94,000 | $604,000 |
$102,000 | $805,000 |
| 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 |
7 | $167,000 |
$23,000 | $80,000 |
$28,000 | $60,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
150 | $14,619,000 |
$97,000 | $604,000 |
$106,000 | $805,000 |
| 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 |
6 | $127,000 |
$21,000 | $80,000 |
$26,000 | $60,000 |
| Debt-To-Income Ratio |
1 | $40,000 |
$40,000 | $40,000 |
$40,000 | $40,000 |
| 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 by:
Metropolitan Area And
County
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