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CITIZENS BANK 328 S SAGINAW
FLINT, 48502-2401

2008 Mortgage Research	Alpena	Michigan	US
Total Applications	25	5,254	6,574
Average Loan	$119.3k	$120.6k	$126.5k
Loan to Income Ratio	1.51	1.41	1.40
Subprime Loans	8%	12.30%	11.03%
Refinancing Loans	60%	57.80%	58.44%
Principal Dwellings	96%	88.09%	86.36%
Rejected Applications	12%	22.55%	21.80%

CITIZENS BANK 328 S SAGINAWFLINT, 48502-2401