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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 | 1356 GAMBLE ST
TURBEVILLE, SC 29162 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 813 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $62,494,000 |
| Average Mortgage Loan Amount Applied For | $108,960 |
| Highest Mortgage Loan Amount Applied For | $775,000 |
| Average Applicant Income | $71,160 |
| Highest Applicant Income | $395,000 |
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| Home Improvement |
167 | $1,987,000 |
$11,000 | $107,000 |
$36,000 | $220,000 |
| Home Purchase |
437 | $40,306,000 |
$92,000 | $714,000 |
$53,000 | $395,000 |
| Refinancing |
232 | $22,263,000 |
$95,000 | $775,000 |
$56,000 | $315,000 |
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| American Indian or Alaskan Native |
3 | $475,000 |
$158,000 | $258,000 |
$69,000 | $141,000 |
| Asian |
3 | $739,000 |
$246,000 | $469,000 |
$97,000 | $160,000 |
| Black or African American |
146 | $7,721,000 |
$52,000 | $342,000 |
$41,000 | $395,000 |
| Hispanic |
16 | $1,659,000 |
$103,000 | $212,000 |
$54,000 | $115,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $128,000 |
$128,000 | $128,000 |
$68,000 | $68,000 |
| Not applicable |
33 | $3,848,000 |
$116,000 | $775,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
634 | $49,986,000 |
$78,000 | $695,000 |
$55,000 | $333,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
754 | $52,737,000 |
$69,000 | $775,000 |
$50,000 | $395,000 |
| 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) |
82 | $11,819,000 |
$144,000 | $417,000 |
$54,000 | $141,000 |
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| Application Approved But Not Accepted |
4 | $431,000 |
$107,000 | $201,000 |
$60,000 | $86,000 |
| Application Denied By Financial Institution |
107 | $5,227,000 |
$48,000 | $180,000 |
$32,000 | $109,000 |
| Application Withdrawn By Applicant |
54 | $6,030,000 |
$111,000 | $389,000 |
$52,000 | $114,000 |
| File Closed For Incompleteness |
28 | $4,244,000 |
$151,000 | $469,000 |
$64,000 | $223,000 |
| Loan Originated |
643 | $48,624,000 |
$75,000 | $775,000 |
$52,000 | $395,000 |
| 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 |
3 | $256,000 |
$85,000 | $117,000 |
$62,000 | $97,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
63 | $2,367,000 |
$37,000 | $180,000 |
$31,000 | $109,000 |
| Debt-To-Income Ratio |
28 | $1,953,000 |
$69,000 | $175,000 |
$33,000 | $83,000 |
| Employment History |
5 | $163,000 |
$32,000 | $139,000 |
$22,000 | $51,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
5 | $290,000 |
$58,000 | $74,000 |
$32,000 | $60,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
3 | $198,000 |
$66,000 | $119,000 |
$23,000 | $51,000 |
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Mortgage Loan App Totals for THE CITIZENS BANK by:
Metropolitan Area And
County
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