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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 BANKING COMPANY
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS BANKING COMPANY |
| Address | 100 E. WATER STREET
SANDUSKY, OH 44870 |
| Agency | Federal Reserve System (FRS) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,204 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $126,259,000 |
| Average Mortgage Loan Amount Applied For | $100,952 |
| Highest Mortgage Loan Amount Applied For | $4,050,000 |
| Average Applicant Income | $104,047 |
| Highest Applicant Income | $1,015,000 |
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| Home Improvement |
185 | $5,566,000 |
$30,000 | $383,000 |
$49,000 | $165,000 |
| Home Purchase |
541 | $60,031,000 |
$110,000 | $4,050,000 |
$64,000 | $900,000 |
| Refinancing |
566 | $67,340,000 |
$118,000 | $1,787,000 |
$60,000 | $1,015,000 |
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| American Indian or Alaskan Native |
5 | $675,000 |
$135,000 | $212,000 |
$84,000 | $110,000 |
| Asian |
1 | $154,000 |
$154,000 | $154,000 |
$221,000 | $221,000 |
| Black or African American |
44 | $1,808,000 |
$41,000 | $160,000 |
$51,000 | $148,000 |
| Hispanic |
18 | $1,407,000 |
$78,000 | $180,000 |
$52,000 | $136,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $200,000 |
$66,000 | $100,000 |
$56,000 | $116,000 |
| Not applicable |
39 | $15,953,000 |
$409,000 | $4,050,000 |
$8,000 | $275,000 |
| Not Provided |
54 | $4,198,000 |
$77,000 | $207,000 |
$60,000 | $400,000 |
| White |
1,128 | $108,542,000 |
$96,000 | $1,989,000 |
$62,000 | $1,015,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,292 | $132,937,000 |
$102,000 | $4,050,000 |
$60,000 | $1,015,000 |
| 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 |
100 | $11,738,000 |
$117,000 | $1,787,000 |
$66,000 | $900,000 |
| Application Denied By Financial Institution |
297 | $24,279,000 |
$81,000 | $1,989,000 |
$46,000 | $248,000 |
| Application Withdrawn By Applicant |
47 | $4,544,000 |
$96,000 | $575,000 |
$55,000 | $126,000 |
| File Closed For Incompleteness |
3 | $57,000 |
$19,000 | $55,000 |
$349,000 | $1,015,000 |
| Loan Originated |
761 | $85,841,000 |
$112,000 | $4,050,000 |
$65,000 | $914,000 |
| 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 |
84 | $6,478,000 |
$77,000 | $232,000 |
$44,000 | $134,000 |
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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 BANKING COMPANY by:
Metropolitan Area And
County
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