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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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THE CITIZENS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
THE CITIZENS BANK |
| Address | 301 S DAVIS ST P O BOX 128
NASHVILLE, GA 31639 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 434 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $23,866,000 |
| Average Mortgage Loan Amount Applied For | $126,421 |
| Highest Mortgage Loan Amount Applied For | $750,000 |
| Average Applicant Income | $65,789 |
| Highest Applicant Income | $757,000 |
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| Home Improvement |
32 | $1,261,000 |
$39,000 | $150,000 |
$106,000 | $757,000 |
| Home Purchase |
102 | $8,533,000 |
$83,000 | $750,000 |
$50,000 | $678,000 |
| Refinancing |
300 | $14,072,000 |
$46,000 | $415,000 |
$75,000 | $697,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $42,000 |
$21,000 | $41,000 |
$31,000 | $50,000 |
| Black or African American |
32 | $613,000 |
$19,000 | $83,000 |
$30,000 | $60,000 |
| Hispanic |
8 | $644,000 |
$80,000 | $143,000 |
$49,000 | $125,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $90,000 |
$45,000 | $69,000 |
$34,000 | $50,000 |
| Not applicable |
41 | $4,233,000 |
$103,000 | $447,000 |
$1,000 | $49,000 |
| Not Provided |
3 | $61,000 |
$20,000 | $52,000 |
$55,000 | $70,000 |
| White |
346 | $18,183,000 |
$52,000 | $750,000 |
$85,000 | $757,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
434 | $23,866,000 |
$54,000 | $750,000 |
$71,000 | $757,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
434 | $23,866,000 |
$54,000 | $750,000 |
$71,000 | $757,000 |
| 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 THE CITIZENS BANK by:
Metropolitan Area And
County
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