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CITIZENS BANK, N.A. 833 BROADWAY
ALBANY, 12207

2006 Mortgage Research Erie New York US
Total Applications 3,411 15,817 17,130
Average Loan $32.8k $39.6k $41.3k
Loan to Income Ratio 0.52 0.60 0.61
Subprime Loans 0.41% 0.58% 0.54%
Refinancing Loans 38.55% 34.88% 35.94%
Principal Dwellings 93.32% 92.90% 93.12%
Rejected Applications 46.79% 46.36% 44.99%