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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 BANKS
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS BANKS |
| Address | P.O.BOX 667
BYHALIA, MS 38611 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 195 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $6,530,000 |
| Average Mortgage Loan Amount Applied For | $26,857 |
| Highest Mortgage Loan Amount Applied For | $352,000 |
| Average Applicant Income | $51,285 |
| Highest Applicant Income | $276,000 |
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| Home Improvement |
68 | $1,019,000 |
$14,000 | $95,000 |
$37,000 | $135,000 |
| Home Purchase |
48 | $2,246,000 |
$46,000 | $352,000 |
$54,000 | $276,000 |
| Refinancing |
79 | $3,265,000 |
$41,000 | $150,000 |
$47,000 | $264,000 |
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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 |
49 | $1,075,000 |
$21,000 | $126,000 |
$33,000 | $90,000 |
| Hispanic |
4 | $115,000 |
$28,000 | $46,000 |
$94,000 | $264,000 |
| 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 |
142 | $5,340,000 |
$37,000 | $352,000 |
$48,000 | $276,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
195 | $6,530,000 |
$33,000 | $352,000 |
$45,000 | $276,000 |
| 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 |
41 | $1,551,000 |
$37,000 | $133,000 |
$42,000 | $276,000 |
| Application Withdrawn By Applicant |
7 | $187,000 |
$26,000 | $40,000 |
$36,000 | $90,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
147 | $4,792,000 |
$32,000 | $352,000 |
$46,000 | $276,000 |
| 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 BANKS by:
Metropolitan Area And
County
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