Citizens Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Citizens Bank 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Citizens Bank 814 Main Street Columbia, MS 39429 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 750 |
| Total Mortgage Loan Application Amount | $87,510,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $665,000 |
| Average Applicant Income | $79,250 |
| Highest Applicant Income | $1,001,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Citizens Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Citizens Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Citizens Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Citizens Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Citizens Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Citizens Bank's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Marion County Mississippi | 302 | $ 28,080,000 | $ 92,000 | $ 77,000 |
| Lamar County Mississippi | 140 | $ 22,560,000 | $ 161,000 | $ 109,000 |
| Walthall County Mississippi | 75 | $ 7,395,000 | $ 98,000 | $ 81,000 |
| Covington County Mississippi | 43 | $ 4,865,000 | $ 113,000 | $ 128,000 |
| Jones County Mississippi | 41 | $ 4,855,000 | $ 118,000 | $ 130,000 |
| Forrest County Mississippi | 40 | $ 5,710,000 | $ 142,000 | $ 166,000 |
| Jefferson Davis County Mississippi | 19 | $ 1,095,000 | $ 57,000 | $ 61,000 |
| Pike County Mississippi | 19 | $ 1,615,000 | $ 85,000 | $ 124,000 |
| Lawrence County Mississippi | 7 | $ 735,000 | $ 105,000 | $ 84,000 |
| Jasper County Mississippi | 6 | $ 550,000 | $ 91,000 | $ 58,000 |
| Pearl River County Mississippi | 6 | $ 1,560,000 | $ 260,000 | $ 72,000 |
| Baldwin County Alabama | 4 | $ 780,000 | $ 195,000 | $ 166,000 |
| Amite County Mississippi | 4 | $ 510,000 | $ 127,000 | $ 89,000 |
| Harrison County Mississippi | 3 | $ 675,000 | $ 225,000 | $ 149,000 |
| Lincoln County Mississippi | 3 | $ 305,000 | $ 101,000 | $ 157,000 |
| Mobile County Alabama | 2 | $ 420,000 | $ 210,000 | $ 139,000 |
| East Baton Rouge County Louisiana | 2 | $ 500,000 | $ 250,000 | $ 100,000 |
| Tangipahoa County Louisiana | 2 | $ 420,000 | $ 210,000 | $ 303,000 |
| Washington County Louisiana | 2 | $ 110,000 | $ 55,000 | $ 57,000 |
| Hancock County Mississippi | 2 | $ 420,000 | $ 210,000 | $ 158,000 |
| Rankin County Mississippi | 2 | $ 430,000 | $ 215,000 | $ 131,000 |
| Simpson County Mississippi | 2 | $ 100,000 | $ 50,000 | $ 189,000 |
| Smith County Mississippi | 2 | $ 110,000 | $ 55,000 | $ 86,000 |
| Stone County Mississippi | 2 | $ 140,000 | $ 70,000 | $ 72,000 |
| Warren County Mississippi | 2 | $ 270,000 | $ 135,000 | $ 102,000 |
| Wayne County Mississippi | 2 | $ 130,000 | $ 65,000 | $ 78,000 |
| Davidson County Tennessee | 2 | $ 590,000 | $ 295,000 | $ 163,000 |
| Los Angeles County California | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| Ascension County Louisiana | 1 | $ 205,000 | $ 205,000 | $ 95,000 |
| St. Charles County Louisiana | 1 | $ 265,000 | $ 265,000 | $ 306,000 |
| St. Tammany County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 101,000 |
| West Baton Rouge County Louisiana | 1 | $ 265,000 | $ 265,000 | $ 101,000 |
| Franklin County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 77,000 |
| Jackson County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Lee County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Madison County Mississippi | 1 | $ 305,000 | $ 305,000 | $ 81,000 |
| Newton County Mississippi | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| Oktibbeha County Mississippi | 1 | $ 165,000 | $ 165,000 | $ 125,000 |
| Perry County Mississippi | 1 | $ 5,000 | $ 5,000 | $ 90,000 |
| Jackson County North Carolina | 1 | $ 455,000 | $ 455,000 | $ 827,000 |
| Charleston County South Carolina | 1 | $ 295,000 | $ 295,000 | $ 148,000 |
Mortgage Loan Application Detail Totals for Citizens Bank in 2020
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 | 482 | $60,750,000 | $126,000 | $665,000 | $105,000 | $1,001,000 |
| Home Purchase | 216 | $24,480,000 | $113,000 | $515,000 | $89,000 | $488,000 |
| Other Purpose | 30 | $1,530,000 | $51,000 | $175,000 | $70,000 | $276,000 |
| Home Improvement | 22 | $750,000 | $34,000 | $75,000 | $53,000 | $154,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 585 | $73,755,000 | $126,000 | $515,000 | $104,000 | $1,001,000 |
| Black or African American | 102 | $6,060,000 | $59,000 | $465,000 | $65,000 | $320,000 |
| Not applicable | 49 | $5,695,000 | $116,000 | $665,000 | $0 | $0 |
| Hispanic | 12 | $1,320,000 | $110,000 | $375,000 | $63,000 | $222,000 |
| Asian | 2 | $680,000 | $340,000 | $345,000 | $251,000 | $437,000 |
| American Indian or Alaskan Native | 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) | 732 | $85,120,000 | $116,000 | $665,000 | $99,000 | $1,001,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,415,000 | $128,000 | $185,000 | $44,000 | $63,000 |
| FHA-insured (Federal Housing Administration) | 5 | $585,000 | $117,000 | $235,000 | $71,000 | $99,000 |
| VA-guaranteed (Veterans Administration) | 2 | $390,000 | $195,000 | $205,000 | $75,000 | $99,000 |
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 | 665 | $81,115,000 | $121,000 | $665,000 | $104,000 | $1,001,000 |
| Application Denied By Financial Institution | 42 | $2,390,000 | $56,000 | $335,000 | $48,000 | $154,000 |
| Application Approved But Not Accepted | 38 | $3,710,000 | $97,000 | $325,000 | $62,000 | $165,000 |
| Application Withdrawn By Applicant | 5 | $295,000 | $59,000 | $205,000 | $53,000 | $66,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 708 | $85,120,000 | $120,000 | $665,000 | $101,000 | $1,001,000 |
| Credit History | 31 | $1,585,000 | $51,000 | $235,000 | $50,000 | $154,000 |
| Debt-To-Income Ratio | 8 | $350,000 | $43,000 | $125,000 | $39,000 | $103,000 |
| Collateral | 1 | $65,000 | $65,000 | $65,000 | $42,000 | $42,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $72,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $335,000 | $335,000 | $335,000 | $65,000 | $65,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank's 2020 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'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 Mississippi, download the full spreadsheet
with aggregated HMDA statistics today.