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THE CITIZENS BANKING COMPANY 100 EAST WATER STREET
SANDUSKY, 44870

2008 Mortgage Research	Erie	Ohio	US
Total Applications	203	605	685
Average Loan	$91.0k	$88.3k	$87.9k
Loan to Income Ratio	0.99	1.12	1.14
Subprime Loans	4.93%	8.43%	7.45%
Refinancing Loans	41.87%	42.98%	38.10%
Principal Dwellings	68.97%	73.39%	74.89%
Rejected Applications	—	—	—

THE CITIZENS BANKING COMPANY 100 EAST WATER STREETSANDUSKY, 44870