Citizens Bank Mortgage Lending & HMDA Data, 2004

In 2004, Citizens Bank of New Tazewell, TN reported 675 mortgage applications totaling $64.7 million. The average application was for $95,811, and applicants reported an average income of $44,697. 53% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Morristown, TN (103), Knoxville, TN (72) and Johnson City, TN (41) (applications in parentheses).

Mortgage Company & Address Citizens Bank
130 S Broad Street
New Tazewell, TN 37825
Tel #: available with data download
Federal Regulator * available with data download
Years 2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  
Total Number of Mortgage Applications 675
Total Mortgage Loan Application Amount $64,673,000
Average Mortgage Loan Application Amount $95,811
Highest Mortgage Loan Application Amount $1,475,000
Average Applicant Income $44,697
Highest Applicant Income $254,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Citizens Bank by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Claiborne, Tennessee 86 $ 5,849,000 $ 68,011 $ 41,000
Hamblen, Tennessee 67 $ 6,287,000 $ 93,835 $ 51,000
Knox, Tennessee 44 $ 4,402,000 $ 100,045 $ 44,000
Grainger, Tennessee 33 $ 2,119,000 $ 64,212 $ 46,000
Washington, Tennessee 25 $ 2,171,000 $ 86,840 $ 34,000
Sullivan, Tennessee 21 $ 1,923,000 $ 91,571 $ 33,000
Sevier, Tennessee 18 $ 1,956,000 $ 108,666 $ 54,000
Greenville, South Carolina 15 $ 1,314,000 $ 87,600 $ 48,000
Carter, Tennessee 14 $ 1,896,000 $ 135,428 $ 20,000
Union, Tennessee 14 $ 1,603,000 $ 114,500 $ 35,000
Hamilton, Tennessee 13 $ 1,182,000 $ 90,923 $ 47,000
Laurel, Kentucky 11 $ 1,054,000 $ 95,818 $ 42,000
Hawkins, Tennessee 9 $ 568,000 $ 63,111 $ 56,000
Knox, Kentucky 8 $ 857,000 $ 107,125 $ 61,000
Bell, Kentucky 7 $ 447,000 $ 63,857 $ 53,000
Blount, Tennessee 7 $ 657,000 $ 93,857 $ 31,000
Greene, Tennessee 7 $ 513,000 $ 73,285 $ 29,000
Buncombe, North Carolina 6 $ 935,000 $ 155,833 $ 63,000
Perry, Kentucky 5 $ 388,000 $ 77,600 $ 39,000
Haywood, North Carolina 5 $ 379,000 $ 75,800 $ 21,000
Wake, North Carolina 5 $ 849,000 $ 169,800 $ 64,000
Catoosa, Georgia 4 $ 465,000 $ 116,250 $ 60,000
Walker, Georgia 4 $ 372,000 $ 93,000 $ 21,000
Pulaski, Kentucky 4 $ 349,000 $ 87,250 $ 44,000
Davidson, North Carolina 4 $ 481,000 $ 120,250 $ 57,000
Spartanburg, South Carolina 4 $ 539,000 $ 134,750 $ 53,000
Anderson, Tennessee 4 $ 358,000 $ 89,500 $ 43,000
Bradley, Tennessee 4 $ 452,000 $ 113,000 $ 29,000
Davidson, Tennessee 4 $ 455,000 $ 113,750 $ 52,000
Jefferson, Alabama 3 $ 354,000 $ 118,000 $ 58,000
Marion, Indiana 3 $ 222,000 $ 74,000 $ 52,000
McCreary, Kentucky 3 $ 259,000 $ 86,333 $ 26,000
Whitley, Kentucky 3 $ 182,000 $ 60,666 $ 13,000
Alamance, North Carolina 3 $ 265,000 $ 88,333 $ 53,000
Guilford, North Carolina 3 $ 247,000 $ 82,333 $ 48,000
Onslow, North Carolina 3 $ 342,000 $ 114,000 $ 42,000
Randolph, North Carolina 3 $ 239,000 $ 79,666 $ 66,000
Aiken, South Carolina 3 $ 327,000 $ 109,000 $ 85,000
Pickens, South Carolina 3 $ 291,000 $ 97,000 $ 39,000
Hancock, Tennessee 3 $ 388,000 $ 129,333 $ 42,000
Jefferson, Tennessee 3 $ 505,000 $ 168,333 $ 74,000
Loudon, Tennessee 3 $ 258,000 $ 86,000 $ 52,000
Roane, Tennessee 3 $ 272,000 $ 90,666 $ 37,000
Robertson, Tennessee 3 $ 574,000 $ 191,333 $ 56,000
Shelby, Tennessee 3 $ 332,000 $ 110,666 $ 38,000
Roanoke City, Virginia 3 $ 231,000 $ 77,000 $ 29,000
Washington, Virginia 3 $ 230,000 $ 76,666 $ 27,000
Madison, Alabama 2 $ 169,000 $ 84,500 $ 71,000
New Haven, Connecticut 2 $ 233,000 $ 116,500 $ 41,000
DeKalb, Georgia 2 $ 193,000 $ 96,500 $ 55,000
Floyd, Georgia 2 $ 162,000 $ 81,000 $ 41,000
Forsyth, Georgia 2 $ 225,000 $ 112,500 $ 160,000
Fulton, Georgia 2 $ 100,000 $ 50,000 $ 49,000
Whitfield, Georgia 2 $ 284,000 $ 142,000 $ 56,000
Breathitt, Kentucky 2 $ 88,000 $ 44,000 $ 24,000
Brunswick, North Carolina 2 $ 178,000 $ 89,000 $ 36,000
Cabarrus, North Carolina 2 $ 173,000 $ 86,500 $ 36,000
Granville, North Carolina 2 $ 202,000 $ 101,000 $ 51,000
Lincoln, North Carolina 2 $ 172,000 $ 86,000 $ 37,000
Barnwell, South Carolina 2 $ 109,000 $ 54,500 $ 23,000
Cherokee, South Carolina 2 $ 211,000 $ 105,500 $ 31,000
Dorchester, South Carolina 2 $ 127,000 $ 63,500 $ 41,000
Florence, South Carolina 2 $ 147,000 $ 73,500 $ 44,000
Greenwood, South Carolina 2 $ 193,000 $ 96,500 $ 28,000
Horry, South Carolina 2 $ 151,000 $ 75,500 $ 42,000
Kershaw, South Carolina 2 $ 108,000 $ 54,000 $ 58,000
Lexington, South Carolina 2 $ 117,000 $ 58,500 $ 48,000
Oconee, South Carolina 2 $ 259,000 $ 129,500 $ 96,000
Sumter, South Carolina 2 $ 149,000 $ 74,500 $ 48,000
York, South Carolina 2 $ 290,000 $ 145,000 $ 35,000
Cocke, Tennessee 2 $ 139,000 $ 69,500 $ 31,000
Johnson, Tennessee 2 $ 200,000 $ 100,000 $ 25,000
Marion, Tennessee 2 $ 101,000 $ 50,500 $ 34,000
McMinn, Tennessee 2 $ 96,000 $ 48,000 $ 38,000
Montgomery, Tennessee 2 $ 201,000 $ 100,500 $ 70,000
Rutherford, Tennessee 2 $ 281,000 $ 140,500 $ 66,000
Unicoi, Tennessee 2 $ 168,000 $ 84,000 $ 37,000
Henrico, Virginia 2 $ 231,000 $ 115,500 $ 54,000
Lee, Virginia 2 $ 70,000 $ 35,000 $ 33,000
New Kent, Virginia 2 $ 354,000 $ 177,000 $ 71,000
Virginia Beach, Virginia 2 $ 126,000 $ 63,000 $ 77,000
Autauga, Alabama 1 $ 33,000 $ 33,000 $ 44,000
Jackson, Alabama 1 $ 170,000 $ 170,000 $ 66,000
Lauderdale, Alabama 1 $ 66,000 $ 66,000 $ 60,000
Limestone, Alabama 1 $ 56,000 $ 56,000 $ 43,000
Mobile, Alabama 1 $ 110,000 $ 110,000 $ 39,000
Shelby, Alabama 1 $ 194,000 $ 194,000 $ 121,000
Litchfield, Connecticut 1 $ 45,000 $ 45,000 $ 21,000
Carroll, Georgia 1 $ 150,000 $ 150,000 $ 26,000
Chatham, Georgia 1 $ 80,000 $ 80,000 $ 24,000
Cherokee, Georgia 1 $ 195,000 $ 195,000 $ 62,000
Dougherty, Georgia 1 $ 160,000 $ 160,000 $ 34,000
Douglas, Georgia 1 $ 102,000 $ 102,000 $ 26,000
Effingham, Georgia 1 $ 123,000 $ 123,000 $ 50,000
Fayette, Georgia 1 $ 205,000 $ 205,000 $ 82,000
Gwinnett, Georgia 1 $ 45,000 $ 45,000 $ 30,000
Jones, Georgia 1 $ 60,000 $ 60,000 $ 20,000
Spalding, Georgia 1 $ 30,000 $ 30,000 $ 52,000
Cook, Illinois 1 $ 45,000 $ 45,000 $ 37,000
Hamilton, Indiana 1 $ 71,000 $ 71,000 $ 49,000
Daviess, Kentucky 1 $ 90,000 $ 90,000 $ 21,000
Graves, Kentucky 1 $ 54,000 $ 54,000 $ 25,000
Greenup, Kentucky 1 $ 95,000 $ 95,000 $ 48,000
Harlan, Kentucky 1 $ 49,000 $ 49,000 $ 0
Jackson, Kentucky 1 $ 106,000 $ 106,000 $ 56,000
Jefferson, Kentucky 1 $ 97,000 $ 97,000 $ 30,000
McCracken, Kentucky 1 $ 57,000 $ 57,000 $ 13,000
Powell, Kentucky 1 $ 28,000 $ 28,000 $ 79,000
Wayne, Kentucky 1 $ 120,000 $ 120,000 $ 85,000
Oakland, Michigan 1 $ 176,000 $ 176,000 $ 87,000
Ottawa, Michigan 1 $ 99,000 $ 99,000 $ 45,000
Wayne, Michigan 1 $ 62,000 $ 62,000 $ 49,000
George, Mississippi 1 $ 47,000 $ 47,000 $ 45,000
Ashe, North Carolina 1 $ 71,000 $ 71,000 $ 72,000
Carteret, North Carolina 1 $ 70,000 $ 70,000 $ 44,000
Cherokee, North Carolina 1 $ 175,000 $ 175,000 $ 38,000
Cleveland, North Carolina 1 $ 198,000 $ 198,000 $ 108,000
Davie, North Carolina 1 $ 214,000 $ 214,000 $ 65,000
Duplin, North Carolina 1 $ 50,000 $ 50,000 $ 30,000
Durham, North Carolina 1 $ 146,000 $ 146,000 $ 40,000
Franklin, North Carolina 1 $ 86,000 $ 86,000 $ 32,000
Gaston, North Carolina 1 $ 136,000 $ 136,000 $ 104,000
Harnett, North Carolina 1 $ 120,000 $ 120,000 $ 48,000
Hertford, North Carolina 1 $ 86,000 $ 86,000 $ 27,000
Iredell, North Carolina 1 $ 157,000 $ 157,000 $ 96,000
Johnston, North Carolina 1 $ 106,000 $ 106,000 $ 44,000
Lee, North Carolina 1 $ 59,000 $ 59,000 $ 35,000
Macon, North Carolina 1 $ 132,000 $ 132,000 $ 46,000
Madison, North Carolina 1 $ 120,000 $ 120,000 $ 85,000
Mecklenburg, North Carolina 1 $ 86,000 $ 86,000 $ 42,000
New Hanover, North Carolina 1 $ 96,000 $ 96,000 $ 27,000
Orange, North Carolina 1 $ 77,000 $ 77,000 $ 53,000
Pender, North Carolina 1 $ 60,000 $ 60,000 $ 35,000
Rockingham, North Carolina 1 $ 50,000 $ 50,000 $ 51,000
Rutherford, North Carolina 1 $ 136,000 $ 136,000 $ 27,000
Stanly, North Carolina 1 $ 27,000 $ 27,000 $ 29,000
Swain, North Carolina 1 $ 102,000 $ 102,000 $ 44,000
Transylvania, North Carolina 1 $ 109,000 $ 109,000 $ 143,000
Wilkes, North Carolina 1 $ 63,000 $ 63,000 $ 40,000
Abbeville, South Carolina 1 $ 132,000 $ 132,000 $ 60,000
Anderson, South Carolina 1 $ 94,000 $ 94,000 $ 64,000
Beaufort, South Carolina 1 $ 850,000 $ 850,000 $ 110,000
Charleston, South Carolina 1 $ 75,000 $ 75,000 $ 26,000
Chesterfield, South Carolina 1 $ 86,000 $ 86,000 $ 33,000
Clarendon, South Carolina 1 $ 23,000 $ 23,000 $ 0
Georgetown, South Carolina 1 $ 55,000 $ 55,000 $ 73,000
Laurens, South Carolina 1 $ 210,000 $ 210,000 $ 148,000
Marion, South Carolina 1 $ 72,000 $ 72,000 $ 26,000
Orangeburg, South Carolina 1 $ 75,000 $ 75,000 $ 55,000
Richland, South Carolina 1 $ 68,000 $ 68,000 $ 45,000
Benton, Tennessee 1 $ 68,000 $ 68,000 $ 23,000
Campbell, Tennessee 1 $ 1,475,000 $ 1,475,000 $ 0
Coffee, Tennessee 1 $ 82,000 $ 82,000 $ 54,000
Dickson, Tennessee 1 $ 200,000 $ 200,000 $ 83,000
Dyer, Tennessee 1 $ 69,000 $ 69,000 $ 54,000
Giles, Tennessee 1 $ 68,000 $ 68,000 $ 0
Hardin, Tennessee 1 $ 102,000 $ 102,000 $ 35,000
Haywood, Tennessee 1 $ 61,000 $ 61,000 $ 40,000
Henderson, Tennessee 1 $ 91,000 $ 91,000 $ 53,000
Henry, Tennessee 1 $ 54,000 $ 54,000 $ 19,000
Lewis, Tennessee 1 $ 40,000 $ 40,000 $ 35,000
Macon, Tennessee 1 $ 44,000 $ 44,000 $ 24,000
Morgan, Tennessee 1 $ 212,000 $ 212,000 $ 78,000
Scott, Tennessee 1 $ 40,000 $ 40,000 $ 51,000
Tipton, Tennessee 1 $ 119,000 $ 119,000 $ 65,000
Warren, Tennessee 1 $ 70,000 $ 70,000 $ 59,000
White, Tennessee 1 $ 56,000 $ 56,000 $ 35,000
Williamson, Tennessee 1 $ 214,000 $ 214,000 $ 119,000
Albemarle, Virginia 1 $ 148,000 $ 148,000 $ 26,000
Chesapeake, Virginia 1 $ 148,000 $ 148,000 $ 63,000
Chesterfield, Virginia 1 $ 116,000 $ 116,000 $ 30,000
Culpeper, Virginia 1 $ 164,000 $ 164,000 $ 60,000
Dinwiddie, Virginia 1 $ 30,000 $ 30,000 $ 49,000
Greene, Virginia 1 $ 196,000 $ 196,000 $ 65,000
Hampton, Virginia 1 $ 134,000 $ 134,000 $ 46,000
Isle of Wight, Virginia 1 $ 185,000 $ 185,000 $ 91,000
Prince William, Virginia 1 $ 175,000 $ 175,000 $ 47,000
Pulaski, Virginia 1 $ 81,000 $ 81,000 $ 31,000
Russell, Virginia 1 $ 67,000 $ 67,000 $ 26,000
Southampton, Virginia 1 $ 40,000 $ 40,000 $ 9,000
Wise, Virginia 1 $ 93,000 $ 93,000 $ 59,000
Kanawha, West Virginia 1 $ 194,000 $ 194,000 $ 49,000

Mortgage Loan Application Detail Totals for Citizens Bank in 2004

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 491 $47,234,000 $89,250 $1,207,000 $46,833 $243,000
Home Purchase 182 $17,305,000 $107,666 $1,475,000 $50,111 $254,000
Home Improvement 2 $134,000 $67,000 $122,000 $40,000 $50,000

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 429 $42,894,000 $106,666 $1,475,000 $48,333 $254,000
Not Provided 187 $15,611,000 $72,777 $280,000 $42,444 $162,000
Black or African American 50 $4,841,000 $101,625 $180,000 $50,375 $160,000
Hispanic 5 $617,000 $123,000 $185,000 $57,000 $91,000
Not applicable 2 $542,000 $271,000 $315,000 $0 $0
American Indian or Alaskan Native 1 $66,000 $66,000 $66,000 $34,000 $34,000
Asian 1 $102,000 $102,000 $102,000 $29,000 $29,000
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) 675 $64,673,000 $97,230 $1,475,000 $47,307 $254,000
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 355 $34,377,000 $86,727 $1,475,000 $45,454 $254,000
Application Denied By Financial Institution 199 $18,600,000 $110,181 $1,207,000 $53,454 $162,000
Application Withdrawn By Applicant 113 $10,829,000 $101,888 $850,000 $47,333 $116,000
Application Approved But Not Accepted 8 $867,000 $101,000 $209,000 $52,500 $90,000
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
Other 74 $6,153,000 $94,142 $198,000 $57,857 $162,000
Collateral 40 $4,951,000 $94,142 $1,207,000 $40,142 $148,000
Credit Application Incomplete 35 $3,142,000 $97,285 $192,000 $67,714 $160,000
Credit History 25 $2,402,000 $121,625 $195,000 $43,250 $87,000
Debt-To-Income Ratio 16 $1,277,000 $98,666 $216,000 $42,000 $130,000
Unverifiable Information 4 $278,000 $71,000 $98,000 $32,333 $48,000
Insufficient Cash (Downpayment, Closing Cost) 3 $287,000 $95,666 $133,000 $32,333 $42,000
Employment History 2 $110,000 $55,000 $80,000 $86,000 $148,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank's 2004 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.
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