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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 SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
CITIZENS SAVINGS BANK |
| Address | 1725 SULLIVAN DR
BOGALUSA, LA 70427 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 545 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $37,199,000 |
| Average Mortgage Loan Amount Applied For | $66,333 |
| Highest Mortgage Loan Amount Applied For | $596,000 |
| Average Applicant Income | $76,333 |
| Highest Applicant Income | $365,000 |
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| Home Improvement |
192 | $6,175,000 |
$32,000 | $300,000 |
$49,000 | $240,000 |
| Home Purchase |
200 | $18,966,000 |
$94,000 | $450,000 |
$72,000 | $365,000 |
| Refinancing |
153 | $12,058,000 |
$78,000 | $596,000 |
$71,000 | $336,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $320,000 |
$320,000 | $320,000 |
$30,000 | $30,000 |
| Black or African American |
93 | $2,328,000 |
$25,000 | $145,000 |
$34,000 | $138,000 |
| Hispanic |
3 | $299,000 |
$99,000 | $190,000 |
$106,000 | $120,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
3 | $149,000 |
$49,000 | $81,000 |
$173,000 | $300,000 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
445 | $34,103,000 |
$76,000 | $596,000 |
$69,000 | $365,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
545 | $37,199,000 |
$68,000 | $596,000 |
$64,000 | $365,000 |
| 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 |
17 | $1,466,000 |
$86,000 | $217,000 |
$60,000 | $133,000 |
| Application Denied By Financial Institution |
34 | $1,949,000 |
$57,000 | $260,000 |
$50,000 | $194,000 |
| Application Withdrawn By Applicant |
24 | $1,443,000 |
$60,000 | $153,000 |
$46,000 | $138,000 |
| File Closed For Incompleteness |
1 | $150,000 |
$150,000 | $150,000 |
$91,000 | $91,000 |
| Loan Originated |
469 | $32,191,000 |
$68,000 | $596,000 |
$66,000 | $365,000 |
| 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 |
5 | $567,000 |
$113,000 | $260,000 |
$67,000 | $124,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
20 | $874,000 |
$43,000 | $90,000 |
$44,000 | $194,000 |
| Debt-To-Income Ratio |
7 | $392,000 |
$56,000 | $150,000 |
$50,000 | $138,000 |
| Employment History |
1 | $69,000 |
$69,000 | $69,000 |
$63,000 | $63,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $47,000 |
$47,000 | $47,000 |
$62,000 | $62,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for CITIZENS SAVINGS BANK by:
Metropolitan Area And
County
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