Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2013
In 2013, Citizens Bank & Trust Company of Eastman, GA reported 326 mortgage applications totaling $15.2 million, down 4% from 2012. The average application was for $46,717, and applicants reported an average income of $53,858. 97% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Warner Robins, GA (26), Macon, GA (7) and Brunswick, GA (1) (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 | 326 |
| Total Mortgage Loan Application Amount | $15,230,000 |
| Average Mortgage Loan Application Amount | $46,717 |
| Highest Mortgage Loan Application Amount | $316,000 |
| Average Applicant Income | $53,858 |
| Highest Applicant Income | $651,000 |
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records Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 140 | $ 6,154,000 | $ 43,957 | $ 45,000 |
| Bleckley, Georgia | 109 | $ 4,893,000 | $ 44,889 | $ 51,000 |
| Houston, Georgia | 26 | $ 1,665,000 | $ 64,038 | $ 114,000 |
| Telfair, Georgia | 21 | $ 971,000 | $ 46,238 | $ 54,000 |
| Laurens, Georgia | 6 | $ 327,000 | $ 54,500 | $ 64,000 |
| Pulaski, Georgia | 6 | $ 255,000 | $ 42,500 | $ 49,000 |
| Twiggs, Georgia | 5 | $ 172,000 | $ 34,400 | $ 37,000 |
| Wheeler, Georgia | 5 | $ 135,000 | $ 27,000 | $ 29,000 |
| Bay, Florida | 1 | $ 180,000 | $ 180,000 | $ 290,000 |
| Ben Hill, Georgia | 1 | $ 127,000 | $ 127,000 | $ 82,000 |
| Crawford, Georgia | 1 | $ 54,000 | $ 54,000 | $ 36,000 |
| Glynn, Georgia | 1 | $ 20,000 | $ 20,000 | $ 66,000 |
| Macon, Georgia | 1 | $ 19,000 | $ 19,000 | $ 32,000 |
| Monroe, Georgia | 1 | $ 74,000 | $ 74,000 | $ 143,000 |
| Montgomery, Georgia | 1 | $ 90,000 | $ 90,000 | $ 28,000 |
| Peach, Georgia | 1 | $ 94,000 | $ 94,000 | $ 37,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Company in 2013
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 | 263 | $13,410,000 | $50,000 | $316,000 | $48,000 | $258,000 |
| Home Improvement | 40 | $585,000 | $14,000 | $193,000 | $44,000 | $651,000 |
| Home Purchase | 23 | $1,235,000 | $53,000 | $180,000 | $138,000 | $290,000 |
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 | 253 | $12,897,000 | $50,000 | $316,000 | $58,000 | $651,000 |
| Black or African American | 58 | $1,335,000 | $23,000 | $96,000 | $46,000 | $258,000 |
| Not applicable | 10 | $725,000 | $72,000 | $189,000 | $0 | $0 |
| Hispanic | 3 | $125,000 | $41,000 | $67,000 | $104,000 | $254,000 |
| American Indian or Alaskan Native | 2 | $148,000 | $74,000 | $94,000 | $36,000 | $37,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 326 | $15,230,000 | $46,000 | $316,000 | $54,000 | $651,000 |
| 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 | 316 | $14,956,000 | $47,000 | $316,000 | $55,000 | $651,000 |
| Application Denied By Financial Institution | 10 | $274,000 | $27,000 | $136,000 | $38,000 | $71,000 |
| 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 2013 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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