Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2010
In 2010, Citizens Bank & Trust Company of Eastman, GA reported 319 mortgage applications totaling $15.2 million. The average application was for $47,636, and applicants reported an average income of $56,573. 97% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Warner Robins, GA (28), Macon, GA (8) and Brunswick, GA (3) (applications in parentheses).
| Mortgage Company & Address | Citizens Bank & Trust Company 5101 5th Ave Eastman, GA 31023 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 319 |
| Total Mortgage Loan Application Amount | $15,196,000 |
| Average Mortgage Loan Application Amount | $47,636 |
| Highest Mortgage Loan Application Amount | $540,000 |
| Average Applicant Income | $56,573 |
| Highest Applicant Income | $355,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dodge, Georgia | 159 | $ 6,725,000 | $ 42,295 | $ 54,000 |
| Bleckley, Georgia | 80 | $ 2,612,000 | $ 32,650 | $ 46,000 |
| Houston, Georgia | 28 | $ 2,525,000 | $ 90,178 | $ 60,000 |
| Telfair, Georgia | 25 | $ 983,000 | $ 39,320 | $ 82,000 |
| Peach, Georgia | 5 | $ 382,000 | $ 76,400 | $ 8,000 |
| Pulaski, Georgia | 4 | $ 90,000 | $ 22,500 | $ 33,000 |
| Twiggs, Georgia | 4 | $ 621,000 | $ 155,250 | $ 20,000 |
| Bibb, Georgia | 3 | $ 336,000 | $ 112,000 | $ 156,000 |
| Glynn, Georgia | 2 | $ 130,000 | $ 65,000 | $ 113,000 |
| Wheeler, Georgia | 2 | $ 55,000 | $ 27,500 | $ 34,000 |
| Wilcox, Georgia | 2 | $ 35,000 | $ 17,500 | $ 250,000 |
| Ben Hill, Georgia | 1 | $ 139,000 | $ 139,000 | $ 89,000 |
| Fayette, Georgia | 1 | $ 400,000 | $ 400,000 | $ 292,000 |
| Laurens, Georgia | 1 | $ 105,000 | $ 105,000 | $ 96,000 |
| McIntosh, Georgia | 1 | $ 17,000 | $ 17,000 | $ 31,000 |
| Monroe, Georgia | 1 | $ 41,000 | $ 41,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Company in 2010
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 171 | $10,954,000 | $64,000 | $540,000 | $69,000 | $355,000 |
| Home Improvement | 96 | $1,072,000 | $11,000 | $93,000 | $38,000 | $165,000 |
| Home Purchase | 52 | $3,170,000 | $60,000 | $240,000 | $50,000 | $250,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 239 | $11,549,000 | $48,000 | $400,000 | $64,000 | $347,000 |
| Black or African American | 55 | $1,282,000 | $23,000 | $182,000 | $44,000 | $355,000 |
| Not applicable | 19 | $2,043,000 | $107,000 | $540,000 | $0 | $0 |
| Hispanic | 4 | $311,000 | $77,000 | $150,000 | $44,000 | $96,000 |
| American Indian or Alaskan Native | 1 | $10,000 | $10,000 | $10,000 | $77,000 | $77,000 |
| Asian | 1 | $1,000 | $1,000 | $1,000 | $27,000 | $27,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 319 | $15,196,000 | $47,000 | $540,000 | $56,000 | $355,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 310 | $15,114,000 | $48,000 | $540,000 | $58,000 | $355,000 |
| Application Denied By Financial Institution | 9 | $82,000 | $9,000 | $26,000 | $20,000 | $39,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank & Trust Company's 2010 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Citizens Bank & Trust Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.
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