Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2014
In 2014, Citizens Bank & Trust Company of Eastman, GA reported 181 mortgage applications totaling $10.3 million, down 44% from 2013. The average application was for $57,077, and applicants reported an average income of $60,519. 98% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Warner Robins, GA (15), Macon, GA (6) and Atlanta-Sandy Springs-Roswell, 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 | 181 |
| Total Mortgage Loan Application Amount | $10,331,000 |
| Average Mortgage Loan Application Amount | $57,077 |
| Highest Mortgage Loan Application Amount | $740,000 |
| Average Applicant Income | $60,519 |
| Highest Applicant Income | $929,000 |
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records Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 74 | $ 3,535,000 | $ 47,770 | $ 50,000 |
| Bleckley, Georgia | 55 | $ 3,017,000 | $ 54,854 | $ 60,000 |
| Telfair, Georgia | 18 | $ 498,000 | $ 27,666 | $ 49,000 |
| Houston, Georgia | 10 | $ 965,000 | $ 96,500 | $ 77,000 |
| Laurens, Georgia | 4 | $ 327,000 | $ 81,750 | $ 21,000 |
| Pulaski, Georgia | 4 | $ 119,000 | $ 29,750 | $ 22,000 |
| Twiggs, Georgia | 3 | $ 147,000 | $ 49,000 | $ 34,000 |
| Bibb, Georgia | 2 | $ 89,000 | $ 44,500 | $ 43,000 |
| Bay, Florida | 1 | $ 128,000 | $ 128,000 | $ 108,000 |
| Taylor, Florida | 1 | $ 231,000 | $ 231,000 | $ 176,000 |
| Ben Hill, Georgia | 1 | $ 86,000 | $ 86,000 | $ 104,000 |
| Crawford, Georgia | 1 | $ 53,000 | $ 53,000 | $ 33,000 |
| Fulton, Georgia | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Glynn, Georgia | 1 | $ 740,000 | $ 740,000 | $ 929,000 |
| Peach, Georgia | 1 | $ 112,000 | $ 112,000 | $ 242,000 |
| Toombs, Georgia | 1 | $ 35,000 | $ 35,000 | $ 59,000 |
| Upson, Georgia | 1 | $ 81,000 | $ 81,000 | $ 216,000 |
| Wilcox, Georgia | 1 | $ 33,000 | $ 33,000 | $ 82,000 |
| Wilkinson, Georgia | 1 | $ 8,000 | $ 8,000 | $ 52,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Company in 2014
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 | 118 | $7,165,000 | $60,000 | $457,000 | $57,000 | $242,000 |
| Home Improvement | 35 | $1,277,000 | $36,000 | $740,000 | $72,000 | $929,000 |
| Home Purchase | 28 | $1,889,000 | $67,000 | $231,000 | $61,000 | $182,000 |
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 | 138 | $8,014,000 | $58,000 | $740,000 | $72,000 | $929,000 |
| Black or African American | 32 | $825,000 | $25,000 | $130,000 | $33,000 | $84,000 |
| Not applicable | 11 | $1,492,000 | $135,000 | $457,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 181 | $10,331,000 | $57,000 | $740,000 | $61,000 | $929,000 |
| 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 | 178 | $10,176,000 | $57,000 | $740,000 | $61,000 | $929,000 |
| Application Withdrawn By Applicant | 3 | $155,000 | $51,000 | $53,000 | $58,000 | $65,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 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 2014 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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