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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, INC,
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS BANK & TRUST, INC, |
| Address | P.O. BOX 249
TRENTON, GA 30752 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 338 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $18,156,000 |
| Average Mortgage Loan Amount Applied For | $101,285 |
| Highest Mortgage Loan Amount Applied For | $434,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $394,000 |
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| Home Improvement |
82 | $1,577,000 |
$19,000 | $412,000 |
$44,000 | $250,000 |
| Home Purchase |
66 | $5,681,000 |
$86,000 | $434,000 |
$65,000 | $234,000 |
| Refinancing |
190 | $10,898,000 |
$57,000 | $410,000 |
$61,000 | $394,000 |
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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 |
1 | $27,000 |
$27,000 | $27,000 |
$38,000 | $38,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
3 | $118,000 |
$39,000 | $51,000 |
$49,000 | $113,000 |
| Not Provided |
1 | $39,000 |
$39,000 | $39,000 |
$38,000 | $38,000 |
| White |
333 | $17,972,000 |
$53,000 | $434,000 |
$58,000 | $394,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
338 | $18,156,000 |
$53,000 | $434,000 |
$58,000 | $394,000 |
| 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 | $7,000 |
$7,000 | $7,000 |
$34,000 | $34,000 |
| Application Denied By Financial Institution |
15 | $533,000 |
$35,000 | $117,000 |
$34,000 | $67,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
322 | $17,616,000 |
$54,000 | $434,000 |
$59,000 | $394,000 |
| 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 |
1 | $10,000 |
$10,000 | $10,000 |
$16,000 | $16,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
12 | $482,000 |
$40,000 | $117,000 |
$37,000 | $67,000 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
2 | $41,000 |
$20,000 | $40,000 |
$27,000 | $42,000 |
| 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, INC, by:
Metropolitan Area And
County
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