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

2006 Mortgage Research Chittenden Vermont US
Total Applications 307 1,236 17,130
Average Loan $66.5k $62.5k $41.3k
Loan to Income Ratio 0.68 0.74 0.61
Subprime Loans 0.08% 0.54%
Refinancing Loans 54.07% 50.40% 35.94%
Principal Dwellings 99.02% 96.93% 93.12%
Rejected Applications 21.82% 26.46% 44.99%