Citizens Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Citizens Bank 2003 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 Po Box 1900 Elizabethton, TN 37644 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 | 1,788 |
| Total Mortgage Loan Application Amount | $230,944,000 |
| Average Mortgage Loan Application Amount | $127,000 |
| Highest Mortgage Loan Application Amount | $990,000 |
| Average Applicant Income | $61,600 |
| Highest Applicant Income | $674,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 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 2003 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 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jefferson County Alabama | 358 | $ 63,164,000 | $ 176,000 | $ 95,000 |
| Carter County Tennessee | 276 | $ 18,369,000 | $ 66,000 | $ 37,000 |
| Sullivan County Tennessee | 274 | $ 21,539,000 | $ 78,000 | $ 41,000 |
| Shelby County Alabama | 176 | $ 35,299,000 | $ 200,000 | $ 116,000 |
| Washington County Tennessee | 132 | $ 13,828,000 | $ 104,000 | $ 53,000 |
| Madison County Alabama | 47 | $ 5,911,000 | $ 125,000 | $ 74,000 |
| Mobile County Alabama | 44 | $ 5,306,000 | $ 120,000 | $ 68,000 |
| Cabarrus County North Carolina | 42 | $ 6,215,000 | $ 147,000 | $ 75,000 |
| Bristol County Virginia | 37 | $ 2,428,000 | $ 65,000 | $ 42,000 |
| Lexington County South Carolina | 36 | $ 5,617,000 | $ 156,000 | $ 87,000 |
| Forsyth County North Carolina | 32 | $ 6,453,000 | $ 201,000 | $ 78,000 |
| Baldwin County Alabama | 29 | $ 4,607,000 | $ 158,000 | $ 84,000 |
| Tuscaloosa County Alabama | 25 | $ 3,690,000 | $ 147,000 | $ 148,000 |
| Washington County Virginia | 24 | $ 2,311,000 | $ 96,000 | $ 53,000 |
| Hawkins County Tennessee | 21 | $ 1,463,000 | $ 69,000 | $ 45,000 |
| Richland County South Carolina | 20 | $ 2,371,000 | $ 118,000 | $ 72,000 |
| St. Clair County Alabama | 18 | $ 2,775,000 | $ 154,000 | $ 78,000 |
| Blount County Alabama | 17 | $ 2,252,000 | $ 132,000 | $ 50,000 |
| Unicoi County Tennessee | 14 | $ 1,294,000 | $ 92,000 | $ 42,000 |
| Montgomery County Alabama | 12 | $ 2,198,000 | $ 183,000 | $ 84,000 |
| Johnson County Tennessee | 9 | $ 727,000 | $ 80,000 | $ 42,000 |
| Davie County North Carolina | 8 | $ 2,179,000 | $ 272,000 | $ 133,000 |
| Greenville County South Carolina | 6 | $ 983,000 | $ 163,000 | $ 60,000 |
| Chilton County Alabama | 5 | $ 831,000 | $ 166,000 | $ 57,000 |
| Cullman County Alabama | 5 | $ 564,000 | $ 112,000 | $ 55,000 |
| Autauga County Alabama | 4 | $ 727,000 | $ 181,000 | $ 88,000 |
| Limestone County Alabama | 4 | $ 551,000 | $ 137,000 | $ 74,000 |
| Marshall County Alabama | 4 | $ 753,000 | $ 188,000 | $ 161,000 |
| Morgan County Alabama | 4 | $ 474,000 | $ 118,000 | $ 48,000 |
| Tallapoosa County Alabama | 4 | $ 539,000 | $ 134,000 | $ 76,000 |
| Mecklenburg County North Carolina | 4 | $ 1,057,000 | $ 264,000 | $ 155,000 |
| Orange County North Carolina | 4 | $ 1,333,000 | $ 333,000 | $ 129,000 |
| Rowan County North Carolina | 4 | $ 635,000 | $ 158,000 | $ 93,000 |
| Calhoun County Alabama | 3 | $ 160,000 | $ 53,000 | $ 34,000 |
| Elmore County Alabama | 3 | $ 472,000 | $ 157,000 | $ 107,000 |
| Lee County Alabama | 3 | $ 410,000 | $ 136,000 | $ 83,000 |
| Talladega County Alabama | 3 | $ 390,000 | $ 130,000 | $ 160,000 |
| Fulton County Georgia | 3 | $ 471,000 | $ 157,000 | $ 68,000 |
| Durham County North Carolina | 3 | $ 462,000 | $ 154,000 | $ 77,000 |
| Greene County Tennessee | 3 | $ 397,000 | $ 132,000 | $ 71,000 |
| Colbert County Alabama | 2 | $ 198,000 | $ 99,000 | $ 38,000 |
| Etowah County Alabama | 2 | $ 184,000 | $ 92,000 | $ 36,000 |
| Jackson County Alabama | 2 | $ 413,000 | $ 206,000 | $ 83,000 |
| Walker County Alabama | 2 | $ 200,000 | $ 100,000 | $ 67,000 |
| Carroll County Georgia | 2 | $ 204,000 | $ 102,000 | $ 89,000 |
| Gwinnett County Georgia | 2 | $ 358,000 | $ 179,000 | $ 104,000 |
| Newton County Georgia | 2 | $ 179,000 | $ 89,000 | $ 66,000 |
| Avery County North Carolina | 2 | $ 197,000 | $ 98,000 | $ 36,000 |
| Catawba County North Carolina | 2 | $ 297,000 | $ 148,000 | $ 48,000 |
| Chatham County North Carolina | 2 | $ 280,000 | $ 140,000 | $ 49,000 |
| Guilford County North Carolina | 2 | $ 351,000 | $ 175,000 | $ 130,000 |
| Stokes County North Carolina | 2 | $ 278,000 | $ 139,000 | $ 121,000 |
| Wake County North Carolina | 2 | $ 292,000 | $ 146,000 | $ 74,000 |
| Aiken County South Carolina | 2 | $ 263,000 | $ 131,000 | $ 80,000 |
| Pickens County South Carolina | 2 | $ 211,000 | $ 105,000 | $ 80,000 |
| Davidson County Tennessee | 2 | $ 546,000 | $ 273,000 | $ 165,000 |
| Sevier County Tennessee | 2 | $ 312,000 | $ 156,000 | $ 165,000 |
| Russell County Virginia | 2 | $ 170,000 | $ 85,000 | $ 74,000 |
| Smyth County Virginia | 2 | $ 143,000 | $ 71,000 | $ 56,000 |
| Bibb County Alabama | 1 | $ 57,000 | $ 57,000 | $ 34,000 |
| Clarke County Alabama | 1 | $ 148,000 | $ 148,000 | $ 44,000 |
| Covington County Alabama | 1 | $ 38,000 | $ 38,000 | $ 51,000 |
| Franklin County Alabama | 1 | $ 36,000 | $ 36,000 | $ 30,000 |
| Greene County Alabama | 1 | $ 40,000 | $ 40,000 | $ 38,000 |
| Houston County Alabama | 1 | $ 46,000 | $ 46,000 | $ 21,000 |
| Lauderdale County Alabama | 1 | $ 340,000 | $ 340,000 | $ 86,000 |
| Escambia County Florida | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Okaloosa County Florida | 1 | $ 122,000 | $ 122,000 | $ 84,000 |
| St. Johns County Florida | 1 | $ 138,000 | $ 138,000 | $ 69,000 |
| Fayette County Georgia | 1 | $ 323,000 | $ 323,000 | $ 102,000 |
| Jasper County Georgia | 1 | $ 124,000 | $ 124,000 | $ 82,000 |
| Rockdale County Georgia | 1 | $ 86,000 | $ 86,000 | $ 47,000 |
| St. Clair County Michigan | 1 | $ 183,000 | $ 183,000 | $ 72,000 |
| Kings County New York | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Ashe County North Carolina | 1 | $ 113,000 | $ 113,000 | $ 170,000 |
| Brunswick County North Carolina | 1 | $ 360,000 | $ 360,000 | $ 598,000 |
| Caldwell County North Carolina | 1 | $ 172,000 | $ 172,000 | $ 69,000 |
| Davidson County North Carolina | 1 | $ 323,000 | $ 323,000 | $ 192,000 |
| Lincoln County North Carolina | 1 | $ 243,000 | $ 243,000 | $ 151,000 |
| Scotland County North Carolina | 1 | $ 82,000 | $ 82,000 | $ 26,000 |
| Stanly County North Carolina | 1 | $ 188,000 | $ 188,000 | $ 95,000 |
| Union County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| Charleston County South Carolina | 1 | $ 400,000 | $ 400,000 | $ 311,000 |
| Horry County South Carolina | 1 | $ 69,000 | $ 69,000 | $ 70,000 |
| Newberry County South Carolina | 1 | $ 68,000 | $ 68,000 | $ 51,000 |
| York County South Carolina | 1 | $ 315,000 | $ 315,000 | $ 156,000 |
| Franklin County Tennessee | 1 | $ 150,000 | $ 150,000 | $ 55,000 |
| Shelby County Tennessee | 1 | $ 130,000 | $ 130,000 | $ 67,000 |
| Scott County Virginia | 1 | $ 74,000 | $ 74,000 | $ 42,000 |
Mortgage Loan Application Detail Totals for Citizens Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 1,184 | $158,942,000 | $134,428 | $990,000 | $81,142 | $659,000 |
| Home Purchase (one-to-four family) | 530 | $69,984,000 | $133,222 | $650,000 | $66,666 | $674,000 |
| Home Improvement (one-to-four family) | 68 | $1,148,000 | $20,000 | $140,000 | $32,000 | $93,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 6 | $870,000 | $180,000 | $480,000 | $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 | 1,725 | $221,495,000 | $134,222 | $990,000 | $72,111 | $674,000 |
| Black | 28 | $3,333,000 | $130,800 | $323,000 | $62,400 | $102,000 |
| Information not provided by applicant in mail or telephone application | 13 | $2,048,000 | $122,000 | $455,000 | $114,000 | $521,000 |
| Asian or Pacific Islander | 7 | $1,258,000 | $179,000 | $249,000 | $69,000 | $111,000 |
| Other | 5 | $1,452,000 | $242,500 | $750,000 | $143,000 | $422,000 |
| Hispanic | 4 | $830,000 | $171,500 | $540,000 | $66,500 | $168,000 |
| American Indian or Alaskan Native | 3 | $232,000 | $114,000 | $225,000 | $55,500 | $78,000 |
| Not applicable | 3 | $296,000 | $98,000 | $120,000 | $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) | 1,759 | $228,607,000 | $136,666 | $990,000 | $73,222 | $674,000 |
| FHA-insured (Federal Housing Administration) | 22 | $1,592,000 | $71,500 | $112,000 | $27,500 | $56,000 |
| VA-guaranteed (Veterans Administration) | 7 | $745,000 | $122,000 | $144,000 | $57,500 | $80,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,593 | $214,667,000 | $137,000 | $990,000 | $74,222 | $674,000 |
| Application Denied By Financial Institution | 94 | $7,250,000 | $101,666 | $221,000 | $38,000 | $260,000 |
| Application Withdrawn By Applicant | 69 | $6,370,000 | $126,666 | $235,000 | $63,333 | $164,000 |
| Application Approved But Not Accepted | 32 | $2,657,000 | $77,000 | $233,000 | $35,500 | $260,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $92,000 | $92,000 | $92,000 | $29,000 | $29,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank's 2003 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 Tennessee, download the full spreadsheet
with aggregated HMDA statistics today.