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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 BK & TST OF WEST GA
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS BK & TST OF WEST GA |
| Address | PO BOX 2127
CARROLLTON, GA 30117 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 363 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $30,298,000 |
| Average Mortgage Loan Amount Applied For | $136,761 |
| Highest Mortgage Loan Amount Applied For | $795,000 |
| Average Applicant Income | $82,761 |
| Highest Applicant Income | $1,500,000 |
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| Home Improvement |
53 | $1,585,000 |
$29,000 | $270,000 |
$50,000 | $116,000 |
| Home Purchase |
129 | $10,816,000 |
$83,000 | $440,000 |
$62,000 | $386,000 |
| Refinancing |
181 | $17,897,000 |
$98,000 | $795,000 |
$70,000 | $1,500,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
3 | $213,000 |
$71,000 | $105,000 |
$46,000 | $66,000 |
| Black or African American |
38 | $1,983,000 |
$52,000 | $169,000 |
$60,000 | $180,000 |
| Hispanic |
3 | $163,000 |
$54,000 | $80,000 |
$47,000 | $60,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
48 | $6,552,000 |
$136,000 | $795,000 |
$0 | $0 |
| Not Provided |
2 | $39,000 |
$19,000 | $30,000 |
$54,000 | $55,000 |
| White |
269 | $21,348,000 |
$79,000 | $590,000 |
$77,000 | $1,500,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
363 | $30,298,000 |
$83,000 | $795,000 |
$64,000 | $1,500,000 |
| 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 | $51,000 |
$51,000 | $51,000 |
$100,000 | $100,000 |
| Application Denied By Financial Institution |
36 | $1,895,000 |
$52,000 | $176,000 |
$49,000 | $180,000 |
| Application Withdrawn By Applicant |
1 | $59,000 |
$59,000 | $59,000 |
$72,000 | $72,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
325 | $28,293,000 |
$87,000 | $795,000 |
$66,000 | $1,500,000 |
| 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 |
25 | $1,205,000 |
$48,000 | $176,000 |
$48,000 | $180,000 |
| Debt-To-Income Ratio |
5 | $451,000 |
$90,000 | $176,000 |
$34,000 | $60,000 |
| 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 |
6 | $239,000 |
$39,000 | $60,000 |
$66,000 | $108,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CITIZENS BK & TST OF WEST GA by:
Metropolitan Area And
County
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