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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 | 120 WEST ARKANSAS, P O BOX 992
VIVIAN, LA 71082 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 343 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $10,241,000 |
| Average Mortgage Loan Amount Applied For | $42,357 |
| Highest Mortgage Loan Amount Applied For | $478,000 |
| Average Applicant Income | $70,785 |
| Highest Applicant Income | $368,000 |
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| Home Improvement |
121 | $1,071,000 |
$8,000 | $59,000 |
$33,000 | $150,000 |
| Home Purchase |
136 | $6,123,000 |
$45,000 | $478,000 |
$55,000 | $368,000 |
| Refinancing |
88 | $3,108,000 |
$35,000 | $412,000 |
$46,000 | $171,000 |
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| American Indian or Alaskan Native |
2 | $24,000 |
$12,000 | $13,000 |
$28,000 | $50,000 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
77 | $1,256,000 |
$16,000 | $180,000 |
$27,000 | $90,000 |
| Hispanic |
1 | $23,000 |
$23,000 | $23,000 |
$21,000 | $21,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
9 | $642,000 |
$71,000 | $265,000 |
$79,000 | $368,000 |
| Not Provided |
1 | $30,000 |
$30,000 | $30,000 |
$25,000 | $25,000 |
| White |
255 | $8,327,000 |
$32,000 | $478,000 |
$50,000 | $233,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
345 | $10,302,000 |
$29,000 | $478,000 |
$45,000 | $368,000 |
| 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 |
11 | $237,000 |
$21,000 | $60,000 |
$33,000 | $90,000 |
| Application Denied By Financial Institution |
40 | $718,000 |
$17,000 | $65,000 |
$26,000 | $124,000 |
| Application Withdrawn By Applicant |
26 | $725,000 |
$27,000 | $113,000 |
$32,000 | $100,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
268 | $8,622,000 |
$32,000 | $478,000 |
$50,000 | $368,000 |
| 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 by:
Metropolitan Area And
County
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