Citizens Bank, N.A. Mortgage Lending & HMDA Data, 2012
In 2012, Citizens Bank, N.A. of Fort Scott, KS reported 592 mortgage applications totaling $95.2 million, up 83% from 2011. The average application was for $160,815, and applicants reported an average income of $91,302. 76% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Kansas City, MO-KS (321), Manhattan, KS (14) and Lawrence, KS (5) (applications in parentheses).
| Mortgage Company & Address | Citizens Bank, N.A. 200 S. Main, P O Box 899 Fort Scott, KS 66701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 592 |
| Total Mortgage Loan Application Amount | $95,203,000 |
| Average Mortgage Loan Application Amount | $160,815 |
| Highest Mortgage Loan Application Amount | $952,000 |
| Average Applicant Income | $91,302 |
| Highest Applicant Income | $824,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Johnson, Kansas | 231 | $ 45,517,000 | $ 197,043 | $ 105,000 |
| Bourbon, Kansas | 64 | $ 6,168,000 | $ 96,375 | $ 63,000 |
| Allen, Kansas | 50 | $ 4,802,000 | $ 96,040 | $ 65,000 |
| Crawford, Kansas | 50 | $ 3,373,000 | $ 67,460 | $ 52,000 |
| Jackson, Missouri | 26 | $ 5,675,000 | $ 218,269 | $ 112,000 |
| Miami, Kansas | 17 | $ 2,730,000 | $ 160,588 | $ 79,000 |
| Wyandotte, Kansas | 16 | $ 1,781,000 | $ 111,312 | $ 59,000 |
| Geary, Kansas | 11 | $ 1,873,000 | $ 170,272 | $ 71,000 |
| Neosho, Kansas | 11 | $ 984,000 | $ 89,454 | $ 80,000 |
| Linn, Kansas | 9 | $ 1,119,000 | $ 124,333 | $ 90,000 |
| Clay, Missouri | 8 | $ 1,102,000 | $ 137,750 | $ 124,000 |
| Anderson, Kansas | 6 | $ 348,000 | $ 58,000 | $ 40,000 |
| Vernon, Missouri | 6 | $ 700,000 | $ 116,666 | $ 62,000 |
| Douglas, Kansas | 5 | $ 655,000 | $ 131,000 | $ 51,000 |
| Sedgwick, Kansas | 5 | $ 1,489,000 | $ 297,800 | $ 195,000 |
| Woodson, Kansas | 5 | $ 271,000 | $ 54,200 | $ 73,000 |
| Clay, Kansas | 4 | $ 472,000 | $ 118,000 | $ 55,000 |
| Cass, Missouri | 4 | $ 769,000 | $ 192,250 | $ 68,000 |
| Platte, Missouri | 4 | $ 838,000 | $ 209,500 | $ 89,000 |
| Dickinson, Kansas | 3 | $ 403,000 | $ 134,333 | $ 39,000 |
| Leavenworth, Kansas | 3 | $ 570,000 | $ 190,000 | $ 70,000 |
| Riley, Kansas | 3 | $ 392,000 | $ 130,666 | $ 72,000 |
| Camden, Missouri | 3 | $ 889,000 | $ 296,333 | $ 387,000 |
| Prince William, Virginia | 3 | $ 1,048,000 | $ 349,333 | $ 134,000 |
| Benton, Arkansas | 2 | $ 359,000 | $ 179,500 | $ 103,000 |
| Franklin, Kansas | 2 | $ 221,000 | $ 110,500 | $ 49,000 |
| Shawnee, Kansas | 2 | $ 238,000 | $ 119,000 | $ 64,000 |
| Buchanan, Missouri | 2 | $ 273,000 | $ 136,500 | $ 59,000 |
| Denton, Texas | 2 | $ 521,000 | $ 260,500 | $ 161,000 |
| Elmore, Alabama | 1 | $ 283,000 | $ 283,000 | $ 72,000 |
| Anchorage, Alaska | 1 | $ 176,000 | $ 176,000 | $ 316,000 |
| Saline, Arkansas | 1 | $ 96,000 | $ 96,000 | $ 44,000 |
| Mesa, Colorado | 1 | $ 382,000 | $ 382,000 | $ 178,000 |
| Duval, Florida | 1 | $ 402,000 | $ 402,000 | $ 0 |
| Sumter, Florida | 1 | $ 345,000 | $ 345,000 | $ 49,000 |
| Gwinnett, Georgia | 1 | $ 414,000 | $ 414,000 | $ 646,000 |
| Houston, Georgia | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Cook, Illinois | 1 | $ 215,000 | $ 215,000 | $ 279,000 |
| DuPage, Illinois | 1 | $ 417,000 | $ 417,000 | $ 168,000 |
| Polk, Iowa | 1 | $ 53,000 | $ 53,000 | $ 57,000 |
| Montgomery, Kansas | 1 | $ 48,000 | $ 48,000 | $ 160,000 |
| Pratt, Kansas | 1 | $ 45,000 | $ 45,000 | $ 65,000 |
| Seward, Kansas | 1 | $ 76,000 | $ 76,000 | $ 26,000 |
| Baltimore, Maryland | 1 | $ 526,000 | $ 526,000 | $ 0 |
| Baltimore City, Maryland | 1 | $ 417,000 | $ 417,000 | $ 256,000 |
| Andrew, Missouri | 1 | $ 259,000 | $ 259,000 | $ 79,000 |
| Bates, Missouri | 1 | $ 100,000 | $ 100,000 | $ 75,000 |
| Greene, Missouri | 1 | $ 83,000 | $ 83,000 | $ 31,000 |
| Polk, Missouri | 1 | $ 192,000 | $ 192,000 | $ 107,000 |
| Pulaski, Missouri | 1 | $ 164,000 | $ 164,000 | $ 109,000 |
| St. Louis, Missouri | 1 | $ 952,000 | $ 952,000 | $ 259,000 |
| Stone, Missouri | 1 | $ 180,000 | $ 180,000 | $ 164,000 |
| Douglas, Nebraska | 1 | $ 315,000 | $ 315,000 | $ 183,000 |
| Clark, Nevada | 1 | $ 268,000 | $ 268,000 | $ 146,000 |
| Lincoln, New Mexico | 1 | $ 120,000 | $ 120,000 | $ 140,000 |
| Santa Fe, New Mexico | 1 | $ 338,000 | $ 338,000 | $ 174,000 |
| Chatham, North Carolina | 1 | $ 417,000 | $ 417,000 | $ 162,000 |
| Wake, North Carolina | 1 | $ 240,000 | $ 240,000 | $ 90,000 |
| Delaware, Oklahoma | 1 | $ 240,000 | $ 240,000 | $ 199,000 |
| Collin, Texas | 1 | $ 415,000 | $ 415,000 | $ 222,000 |
| Arlington, Virginia | 1 | $ 381,000 | $ 381,000 | $ 478,000 |
| Loudoun, Virginia | 1 | $ 344,000 | $ 344,000 | $ 119,000 |
| Salem, Virginia | 1 | $ 393,000 | $ 393,000 | $ 199,000 |
| King, Washington | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for Citizens Bank, N.A. in 2012
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 | 367 | $59,911,000 | $163,000 | $950,000 | $96,000 | $824,000 |
| Home Purchase | 221 | $34,762,000 | $157,000 | $952,000 | $83,000 | $603,000 |
| Home Improvement | 4 | $530,000 | $132,000 | $389,000 | $119,000 | $232,000 |
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 | 563 | $90,760,000 | $161,000 | $952,000 | $92,000 | $824,000 |
| Asian | 9 | $730,000 | $81,000 | $198,000 | $61,000 | $160,000 |
| Black or African American | 8 | $1,617,000 | $202,000 | $393,000 | $99,000 | $199,000 |
| Hispanic | 5 | $624,000 | $124,000 | $181,000 | $54,000 | $93,000 |
| American Indian or Alaskan Native | 5 | $997,000 | $199,000 | $238,000 | $98,000 | $168,000 |
| Not applicable | 1 | $310,000 | $310,000 | $310,000 | $0 | $0 |
| Not Provided | 1 | $165,000 | $165,000 | $165,000 | $189,000 | $189,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 490 | $79,894,000 | $163,000 | $952,000 | $99,000 | $824,000 |
| FHA-insured (Federal Housing Administration) | 47 | $7,029,000 | $149,000 | $302,000 | $58,000 | $185,000 |
| VA-guaranteed (Veterans Administration) | 30 | $5,777,000 | $192,000 | $526,000 | $56,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $2,503,000 | $100,000 | $181,000 | $40,000 | $68,000 |
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 | 451 | $77,589,000 | $172,000 | $952,000 | $99,000 | $824,000 |
| Application Denied By Financial Institution | 92 | $9,857,000 | $107,000 | $950,000 | $58,000 | $199,000 |
| Application Approved But Not Accepted | 39 | $6,046,000 | $155,000 | $415,000 | $85,000 | $222,000 |
| Application Withdrawn By Applicant | 10 | $1,711,000 | $171,000 | $290,000 | $82,000 | $142,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 36 | $2,369,000 | $65,000 | $230,000 | $47,000 | $110,000 |
| Debt-To-Income Ratio | 26 | $3,826,000 | $147,000 | $950,000 | $52,000 | $199,000 |
| Collateral | 22 | $2,863,000 | $130,000 | $382,000 | $76,000 | $189,000 |
| Unverifiable Information | 3 | $407,000 | $135,000 | $180,000 | $99,000 | $164,000 |
| Other | 2 | $154,000 | $77,000 | $92,000 | $43,000 | $64,000 |
| Credit Application Incomplete | 1 | $157,000 | $157,000 | $157,000 | $127,000 | $127,000 |
| Employment History | 1 | $64,000 | $64,000 | $64,000 | $51,000 | $51,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $17,000 | $17,000 | $17,000 | $50,000 | $50,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank, N.A.'s 2012 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, N.A.'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 Kansas, download the full spreadsheet
with aggregated HMDA statistics today.
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