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CITIZENS BANK 328 S SAGINAW
FLINT, 48502-2401

2008 Mortgage Research	Delta	Michigan	US
Total Applications	14	5,254	6,574
Average Loan	$130.4k	$120.6k	$126.5k
Loan to Income Ratio	1.34	1.41	1.40
Subprime Loans	14.29%	12.30%	11.03%
Refinancing Loans	57.14%	57.80%	58.44%
Principal Dwellings	85.71%	88.09%	86.36%
Rejected Applications	21.43%	22.55%	21.80%

CITIZENS BANK 328 S SAGINAWFLINT, 48502-2401