Citizens Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Citizens Bank 2005 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 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 | 1,294 |
| Total Mortgage Loan Application Amount | $139,613,000 |
| Average Mortgage Loan Application Amount | $324,250 |
| Highest Mortgage Loan Application Amount | $6,300,000 |
| Average Applicant Income | $119,714 |
| Highest Applicant Income | $1,906,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Claiborne County Tennessee | 103 | $ 7,424,000 | $ 72,000 | $ 47,000 |
| Knox County Tennessee | 74 | $ 7,712,000 | $ 104,000 | $ 55,000 |
| Sevier County Tennessee | 72 | $ 14,407,000 | $ 200,000 | $ 100,000 |
| Hamblen County Tennessee | 55 | $ 4,198,000 | $ 76,000 | $ 58,000 |
| Washington County Tennessee | 41 | $ 4,042,000 | $ 98,000 | $ 38,000 |
| Davidson County Tennessee | 36 | $ 4,516,000 | $ 125,000 | $ 103,000 |
| Grainger County Tennessee | 36 | $ 2,254,000 | $ 62,000 | $ 30,000 |
| Sullivan County Tennessee | 35 | $ 3,367,000 | $ 96,000 | $ 41,000 |
| Buncombe County North Carolina | 29 | $ 3,598,000 | $ 124,000 | $ 34,000 |
| Greenville County South Carolina | 25 | $ 2,951,000 | $ 118,000 | $ 59,000 |
| Carter County Tennessee | 21 | $ 1,995,000 | $ 95,000 | $ 36,000 |
| Hawkins County Tennessee | 20 | $ 2,235,000 | $ 111,000 | $ 64,000 |
| Sumner County Tennessee | 20 | $ 3,252,000 | $ 162,000 | $ 90,000 |
| Jefferson County Tennessee | 17 | $ 1,576,000 | $ 92,000 | $ 45,000 |
| Union County Tennessee | 17 | $ 1,120,000 | $ 65,000 | $ 37,000 |
| Jefferson County Alabama | 13 | $ 1,175,000 | $ 90,000 | $ 48,000 |
| Blount County Tennessee | 12 | $ 1,350,000 | $ 112,000 | $ 46,000 |
| Laurel County Kentucky | 11 | $ 979,000 | $ 89,000 | $ 50,000 |
| Hamilton County Tennessee | 11 | $ 1,235,000 | $ 112,000 | $ 41,000 |
| Wilson County Tennessee | 10 | $ 844,000 | $ 84,000 | $ 37,000 |
| Mecklenburg County North Carolina | 9 | $ 820,000 | $ 91,000 | $ 49,000 |
| Rutherford County Tennessee | 9 | $ 833,000 | $ 92,000 | $ 27,000 |
| Lee County Virginia | 9 | $ 456,000 | $ 50,000 | $ 49,000 |
| Calhoun County Alabama | 8 | $ 568,000 | $ 71,000 | $ 60,000 |
| Perry County Kentucky | 8 | $ 934,000 | $ 116,000 | $ 59,000 |
| Monroe County Tennessee | 8 | $ 822,000 | $ 102,000 | $ 52,000 |
| Mobile County Alabama | 7 | $ 411,000 | $ 58,000 | $ 30,000 |
| Forsyth County North Carolina | 7 | $ 729,000 | $ 104,000 | $ 50,000 |
| Hancock County Tennessee | 7 | $ 305,000 | $ 43,000 | $ 56,000 |
| Cullman County Alabama | 6 | $ 456,000 | $ 76,000 | $ 42,000 |
| Montgomery County Alabama | 6 | $ 482,000 | $ 80,000 | $ 32,000 |
| Whitley County Kentucky | 6 | $ 560,000 | $ 93,000 | $ 37,000 |
| Wayne County Michigan | 6 | $ 484,000 | $ 80,000 | $ 36,000 |
| Cumberland County North Carolina | 6 | $ 451,000 | $ 75,000 | $ 36,000 |
| Rowan County North Carolina | 6 | $ 317,000 | $ 52,000 | $ 28,000 |
| Richland County South Carolina | 6 | $ 403,000 | $ 67,000 | $ 45,000 |
| Anderson County Tennessee | 6 | $ 668,000 | $ 111,000 | $ 60,000 |
| Cocke County Tennessee | 6 | $ 353,000 | $ 58,000 | $ 45,000 |
| Loudon County Tennessee | 6 | $ 895,000 | $ 149,000 | $ 64,000 |
| Robertson County Tennessee | 6 | $ 454,000 | $ 75,000 | $ 53,000 |
| Lee County Alabama | 5 | $ 306,000 | $ 61,000 | $ 32,000 |
| Muscogee County Georgia | 5 | $ 602,000 | $ 120,000 | $ 52,000 |
| Bell County Kentucky | 5 | $ 255,000 | $ 51,000 | $ 32,000 |
| Jefferson County Kentucky | 5 | $ 465,000 | $ 93,000 | $ 63,000 |
| Burke County North Carolina | 5 | $ 534,000 | $ 106,000 | $ 62,000 |
| Anderson County South Carolina | 5 | $ 450,000 | $ 90,000 | $ 43,000 |
| Spartanburg County South Carolina | 5 | $ 473,000 | $ 94,000 | $ 48,000 |
| Bradley County Tennessee | 5 | $ 626,000 | $ 125,000 | $ 24,000 |
| Greene County Tennessee | 5 | $ 309,000 | $ 61,000 | $ 34,000 |
| Roane County Tennessee | 5 | $ 630,000 | $ 126,000 | $ 60,000 |
| Williamson County Tennessee | 5 | $ 1,165,000 | $ 233,000 | $ 124,000 |
| Etowah County Alabama | 4 | $ 355,000 | $ 88,000 | $ 56,000 |
| Limestone County Alabama | 4 | $ 344,000 | $ 86,000 | $ 39,000 |
| Marshall County Alabama | 4 | $ 224,000 | $ 56,000 | $ 34,000 |
| Talladega County Alabama | 4 | $ 211,000 | $ 52,000 | $ 47,000 |
| Brevard County Florida | 4 | $ 453,000 | $ 113,000 | $ 45,000 |
| Bibb County Georgia | 4 | $ 549,000 | $ 137,000 | $ 61,000 |
| Houston County Georgia | 4 | $ 328,000 | $ 82,000 | $ 46,000 |
| Wayne County Kentucky | 4 | $ 208,000 | $ 52,000 | $ 12,000 |
| Henderson County North Carolina | 4 | $ 328,000 | $ 82,000 | $ 31,000 |
| Stanly County North Carolina | 4 | $ 382,000 | $ 95,000 | $ 33,000 |
| Wayne County North Carolina | 4 | $ 255,000 | $ 63,000 | $ 32,000 |
| Charleston County South Carolina | 4 | $ 573,000 | $ 143,000 | $ 70,000 |
| Florence County South Carolina | 4 | $ 386,000 | $ 96,000 | $ 43,000 |
| Horry County South Carolina | 4 | $ 777,000 | $ 194,000 | $ 168,000 |
| York County South Carolina | 4 | $ 483,000 | $ 120,000 | $ 50,000 |
| Montgomery County Tennessee | 4 | $ 217,000 | $ 54,000 | $ 37,000 |
| Virginia Beach County Virginia | 4 | $ 555,000 | $ 138,000 | $ 66,000 |
| Cherokee County Alabama | 3 | $ 329,000 | $ 109,000 | $ 44,000 |
| Chilton County Alabama | 3 | $ 178,000 | $ 59,000 | $ 45,000 |
| Dallas County Alabama | 3 | $ 217,000 | $ 72,000 | $ 63,000 |
| Russell County Alabama | 3 | $ 422,000 | $ 140,000 | $ 60,000 |
| St. Clair County Alabama | 3 | $ 262,000 | $ 87,000 | $ 43,000 |
| Tuscaloosa County Alabama | 3 | $ 325,000 | $ 108,000 | $ 45,000 |
| Orange County Florida | 3 | $ 519,000 | $ 173,000 | $ 83,000 |
| Hall County Georgia | 3 | $ 277,000 | $ 92,000 | $ 55,000 |
| McCreary County Kentucky | 3 | $ 273,000 | $ 91,000 | $ 22,000 |
| Macomb County Michigan | 3 | $ 405,000 | $ 135,000 | $ 68,000 |
| Tate County Mississippi | 3 | $ 144,000 | $ 48,000 | $ 39,000 |
| Cabarrus County North Carolina | 3 | $ 429,000 | $ 143,000 | $ 47,000 |
| Gaston County North Carolina | 3 | $ 252,000 | $ 84,000 | $ 44,000 |
| Guilford County North Carolina | 3 | $ 365,000 | $ 121,000 | $ 48,000 |
| McDowell County North Carolina | 3 | $ 283,000 | $ 94,000 | $ 53,000 |
| Nash County North Carolina | 3 | $ 257,000 | $ 85,000 | $ 43,000 |
| Onslow County North Carolina | 3 | $ 328,000 | $ 109,000 | $ 64,000 |
| Rutherford County North Carolina | 3 | $ 363,000 | $ 121,000 | $ 46,000 |
| Wake County North Carolina | 3 | $ 389,000 | $ 129,000 | $ 42,000 |
| Colleton County South Carolina | 3 | $ 469,000 | $ 156,000 | $ 46,000 |
| Dorchester County South Carolina | 3 | $ 236,000 | $ 78,000 | $ 43,000 |
| Pickens County South Carolina | 3 | $ 262,000 | $ 87,000 | $ 54,000 |
| Sumter County South Carolina | 3 | $ 245,000 | $ 81,000 | $ 29,000 |
| Chesapeake County Virginia | 3 | $ 556,000 | $ 185,000 | $ 62,000 |
| Hampton County Virginia | 3 | $ 259,000 | $ 86,000 | $ 25,000 |
| Spotsylvania County Virginia | 3 | $ 567,000 | $ 189,000 | $ 79,000 |
| Barbour County Alabama | 2 | $ 85,000 | $ 42,000 | $ 32,000 |
| Blount County Alabama | 2 | $ 163,000 | $ 81,000 | $ 47,000 |
| Elmore County Alabama | 2 | $ 261,000 | $ 130,000 | $ 81,000 |
| Escambia County Alabama | 2 | $ 175,000 | $ 87,000 | $ 34,000 |
| Jackson County Alabama | 2 | $ 199,000 | $ 99,000 | $ 48,000 |
| Macon County Alabama | 2 | $ 113,000 | $ 56,000 | $ 25,000 |
| Madison County Alabama | 2 | $ 250,000 | $ 125,000 | $ 71,000 |
| Adams County Colorado | 2 | $ 210,000 | $ 105,000 | $ 73,000 |
| Litchfield County Connecticut | 2 | $ 415,000 | $ 207,000 | $ 71,000 |
| New Haven County Connecticut | 2 | $ 406,000 | $ 203,000 | $ 67,000 |
| New London County Connecticut | 2 | $ 311,000 | $ 155,000 | $ 55,000 |
| Palm Beach County Florida | 2 | $ 419,000 | $ 209,000 | $ 75,000 |
| Camden County Georgia | 2 | $ 187,000 | $ 93,000 | $ 45,000 |
| Chatham County Georgia | 2 | $ 128,000 | $ 64,000 | $ 31,000 |
| Gordon County Georgia | 2 | $ 179,000 | $ 89,000 | $ 26,000 |
| Gwinnett County Georgia | 2 | $ 245,000 | $ 122,000 | $ 59,000 |
| Lowndes County Georgia | 2 | $ 220,000 | $ 110,000 | $ 58,000 |
| Whitfield County Georgia | 2 | $ 357,000 | $ 178,000 | $ 51,000 |
| Fayette County Kentucky | 2 | $ 271,000 | $ 135,000 | $ 77,000 |
| Harlan County Kentucky | 2 | $ 161,000 | $ 80,000 | $ 26,000 |
| Jessamine County Kentucky | 2 | $ 58,000 | $ 29,000 | $ 72,000 |
| Knox County Kentucky | 2 | $ 241,000 | $ 120,000 | $ 44,000 |
| DeSoto County Mississippi | 2 | $ 122,000 | $ 61,000 | $ 56,000 |
| Leflore County Mississippi | 2 | $ 345,000 | $ 172,000 | $ 102,000 |
| Simpson County Mississippi | 2 | $ 107,000 | $ 53,000 | $ 60,000 |
| Caswell County North Carolina | 2 | $ 170,000 | $ 85,000 | $ 41,000 |
| Clay County North Carolina | 2 | $ 243,000 | $ 121,000 | $ 44,000 |
| Cleveland County North Carolina | 2 | $ 365,000 | $ 182,000 | $ 68,000 |
| Craven County North Carolina | 2 | $ 135,000 | $ 67,000 | $ 40,000 |
| Hoke County North Carolina | 2 | $ 93,000 | $ 46,000 | $ 51,000 |
| Iredell County North Carolina | 2 | $ 271,000 | $ 135,000 | $ 49,000 |
| Jackson County North Carolina | 2 | $ 251,000 | $ 125,000 | $ 20,000 |
| Pender County North Carolina | 2 | $ 164,000 | $ 82,000 | $ 90,000 |
| Perquimans County North Carolina | 2 | $ 85,000 | $ 42,000 | $ 31,000 |
| Pitt County North Carolina | 2 | $ 162,000 | $ 81,000 | $ 38,000 |
| Robeson County North Carolina | 2 | $ 136,000 | $ 68,000 | $ 19,000 |
| Rockingham County North Carolina | 2 | $ 213,000 | $ 106,000 | $ 28,000 |
| Swain County North Carolina | 2 | $ 237,000 | $ 118,000 | $ 40,000 |
| Union County North Carolina | 2 | $ 278,000 | $ 139,000 | $ 71,000 |
| Aiken County South Carolina | 2 | $ 367,000 | $ 183,000 | $ 81,000 |
| Darlington County South Carolina | 2 | $ 195,000 | $ 97,000 | $ 52,000 |
| Greenwood County South Carolina | 2 | $ 87,000 | $ 43,000 | $ 31,000 |
| Orangeburg County South Carolina | 2 | $ 178,000 | $ 89,000 | $ 33,000 |
| Campbell County Tennessee | 2 | $ 294,000 | $ 147,000 | $ 52,000 |
| Cheatham County Tennessee | 2 | $ 312,000 | $ 156,000 | $ 45,000 |
| DeKalb County Tennessee | 2 | $ 221,000 | $ 110,000 | $ 56,000 |
| Dickson County Tennessee | 2 | $ 161,000 | $ 80,000 | $ 64,000 |
| Marshall County Tennessee | 2 | $ 142,000 | $ 71,000 | $ 94,000 |
| Maury County Tennessee | 2 | $ 141,000 | $ 70,000 | $ 72,000 |
| Morgan County Tennessee | 2 | $ 147,000 | $ 73,000 | $ 41,000 |
| Carroll County Virginia | 2 | $ 176,000 | $ 88,000 | $ 60,000 |
| Chesterfield County Virginia | 2 | $ 169,000 | $ 84,000 | $ 44,000 |
| Fairfax County Virginia | 2 | $ 588,000 | $ 294,000 | $ 104,000 |
| Portsmouth County Virginia | 2 | $ 115,000 | $ 57,000 | $ 78,000 |
| Richmond City County Virginia | 2 | $ 221,000 | $ 110,000 | $ 28,000 |
| Rockbridge County Virginia | 2 | $ 144,000 | $ 72,000 | $ 35,000 |
| Wise County Virginia | 2 | $ 249,000 | $ 124,000 | $ 53,000 |
| Jefferson County West Virginia | 2 | $ 288,000 | $ 144,000 | $ 55,000 |
| Ohio County West Virginia | 2 | $ 185,000 | $ 92,000 | $ 49,000 |
| Wood County West Virginia | 2 | $ 197,000 | $ 98,000 | $ 28,000 |
| Baldwin County Alabama | 1 | $ 65,000 | $ 65,000 | $ 27,000 |
| Bullock County Alabama | 1 | $ 72,000 | $ 72,000 | $ 40,000 |
| Chambers County Alabama | 1 | $ 61,000 | $ 61,000 | $ 38,000 |
| Coosa County Alabama | 1 | $ 50,000 | $ 50,000 | $ 20,000 |
| Dale County Alabama | 1 | $ 80,000 | $ 80,000 | $ 36,000 |
| Franklin County Alabama | 1 | $ 101,000 | $ 101,000 | $ 30,000 |
| Geneva County Alabama | 1 | $ 166,000 | $ 166,000 | $ 66,000 |
| Houston County Alabama | 1 | $ 40,000 | $ 40,000 | $ 12,000 |
| Lamar County Alabama | 1 | $ 65,000 | $ 65,000 | $ 26,000 |
| Lauderdale County Alabama | 1 | $ 60,000 | $ 60,000 | $ 32,000 |
| Lawrence County Alabama | 1 | $ 57,000 | $ 57,000 | $ 47,000 |
| Shelby County Alabama | 1 | $ 234,000 | $ 234,000 | $ 72,000 |
| Walker County Alabama | 1 | $ 56,000 | $ 56,000 | $ 30,000 |
| Contra Costa County California | 1 | $ 275,000 | $ 275,000 | $ 68,000 |
| Nevada County California | 1 | $ 348,000 | $ 348,000 | $ 132,000 |
| San Bernardino County California | 1 | $ 110,000 | $ 110,000 | $ 43,000 |
| Shasta County California | 1 | $ 186,000 | $ 186,000 | $ 42,000 |
| Tuolumne County California | 1 | $ 243,000 | $ 243,000 | $ 40,000 |
| Hartford County Connecticut | 1 | $ 190,000 | $ 190,000 | $ 46,000 |
| Windham County Connecticut | 1 | $ 170,000 | $ 170,000 | $ 70,000 |
| Bay County Florida | 1 | $ 116,000 | $ 116,000 | $ 54,000 |
| Flagler County Florida | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Hernando County Florida | 1 | $ 126,000 | $ 126,000 | $ 38,000 |
| Marion County Florida | 1 | $ 166,000 | $ 166,000 | $ 42,000 |
| Miami-Dade County Florida | 1 | $ 6,300,000 | $ 6,300,000 | $ 1,906,000 |
| Sumter County Florida | 1 | $ 113,000 | $ 113,000 | $ 54,000 |
| Volusia County Florida | 1 | $ 204,000 | $ 204,000 | $ 72,000 |
| Baldwin County Georgia | 1 | $ 61,000 | $ 61,000 | $ 42,000 |
| Calhoun County Georgia | 1 | $ 50,000 | $ 50,000 | $ 20,000 |
| Carroll County Georgia | 1 | $ 122,000 | $ 122,000 | $ 44,000 |
| Catoosa County Georgia | 1 | $ 85,000 | $ 85,000 | $ 61,000 |
| Clarke County Georgia | 1 | $ 142,000 | $ 142,000 | $ 51,000 |
| Clayton County Georgia | 1 | $ 202,000 | $ 202,000 | $ 40,000 |
| Cobb County Georgia | 1 | $ 32,000 | $ 32,000 | $ 49,000 |
| Coffee County Georgia | 1 | $ 100,000 | $ 100,000 | $ 59,000 |
| Colquitt County Georgia | 1 | $ 81,000 | $ 81,000 | $ 39,000 |
| Coweta County Georgia | 1 | $ 141,000 | $ 141,000 | $ 57,000 |
| Crisp County Georgia | 1 | $ 85,000 | $ 85,000 | $ 23,000 |
| Decatur County Georgia | 1 | $ 170,000 | $ 170,000 | $ 60,000 |
| DeKalb County Georgia | 1 | $ 142,000 | $ 142,000 | $ 78,000 |
| Effingham County Georgia | 1 | $ 153,000 | $ 153,000 | $ 31,000 |
| Emanuel County Georgia | 1 | $ 64,000 | $ 64,000 | $ 21,000 |
| Glynn County Georgia | 1 | $ 60,000 | $ 60,000 | $ 43,000 |
| Habersham County Georgia | 1 | $ 113,000 | $ 113,000 | $ 32,000 |
| Jenkins County Georgia | 1 | $ 78,000 | $ 78,000 | $ 21,000 |
| Jones County Georgia | 1 | $ 64,000 | $ 64,000 | $ 17,000 |
| Liberty County Georgia | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| McDuffie County Georgia | 1 | $ 76,000 | $ 76,000 | $ 23,000 |
| Morgan County Georgia | 1 | $ 92,000 | $ 92,000 | $ 46,000 |
| Newton County Georgia | 1 | $ 180,000 | $ 180,000 | $ 27,000 |
| Oglethorpe County Georgia | 1 | $ 96,000 | $ 96,000 | $ 42,000 |
| Peach County Georgia | 1 | $ 40,000 | $ 40,000 | $ 14,000 |
| Richmond County Georgia | 1 | $ 85,000 | $ 85,000 | $ 22,000 |
| Rockdale County Georgia | 1 | $ 144,000 | $ 144,000 | $ 132,000 |
| Sumter County Georgia | 1 | $ 50,000 | $ 50,000 | $ 63,000 |
| Tift County Georgia | 1 | $ 63,000 | $ 63,000 | $ 74,000 |
| Toombs County Georgia | 1 | $ 40,000 | $ 40,000 | $ 11,000 |
| Twiggs County Georgia | 1 | $ 63,000 | $ 63,000 | $ 46,000 |
| Walker County Georgia | 1 | $ 141,000 | $ 141,000 | $ 41,000 |
| Worth County Georgia | 1 | $ 75,000 | $ 75,000 | $ 88,000 |
| Lawrence County Indiana | 1 | $ 100,000 | $ 100,000 | $ 70,000 |
| Casey County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 32,000 |
| Leslie County Kentucky | 1 | $ 69,000 | $ 69,000 | $ 30,000 |
| Letcher County Kentucky | 1 | $ 48,000 | $ 48,000 | $ 49,000 |
| Lincoln County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Madison County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Pike County Kentucky | 1 | $ 114,000 | $ 114,000 | $ 40,000 |
| Pulaski County Kentucky | 1 | $ 63,000 | $ 63,000 | $ 80,000 |
| Russell County Kentucky | 1 | $ 63,000 | $ 63,000 | $ 0 |
| Berrien County Michigan | 1 | $ 70,000 | $ 70,000 | $ 50,000 |
| Calhoun County Michigan | 1 | $ 89,000 | $ 89,000 | $ 51,000 |
| Gladwin County Michigan | 1 | $ 40,000 | $ 40,000 | $ 9,000 |
| Ionia County Michigan | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Isabella County Michigan | 1 | $ 76,000 | $ 76,000 | $ 41,000 |
| Montcalm County Michigan | 1 | $ 70,000 | $ 70,000 | $ 48,000 |
| Saginaw County Michigan | 1 | $ 47,000 | $ 47,000 | $ 17,000 |
| George County Mississippi | 1 | $ 140,000 | $ 140,000 | $ 46,000 |
| Hinds County Mississippi | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
| Lee County Mississippi | 1 | $ 52,000 | $ 52,000 | $ 34,000 |
| Madison County Mississippi | 1 | $ 138,000 | $ 138,000 | $ 75,000 |
| Marshall County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| Panola County Mississippi | 1 | $ 43,000 | $ 43,000 | $ 19,000 |
| Prentiss County Mississippi | 1 | $ 54,000 | $ 54,000 | $ 73,000 |
| Rankin County Mississippi | 1 | $ 81,000 | $ 81,000 | $ 25,000 |
| Anson County North Carolina | 1 | $ 64,000 | $ 64,000 | $ 36,000 |
| Ashe County North Carolina | 1 | $ 147,000 | $ 147,000 | $ 45,000 |
| Avery County North Carolina | 1 | $ 258,000 | $ 258,000 | $ 125,000 |
| Beaufort County North Carolina | 1 | $ 54,000 | $ 54,000 | $ 59,000 |
| Caldwell County North Carolina | 1 | $ 144,000 | $ 144,000 | $ 103,000 |
| Camden County North Carolina | 1 | $ 136,000 | $ 136,000 | $ 60,000 |
| Carteret County North Carolina | 1 | $ 157,000 | $ 157,000 | $ 46,000 |
| Chatham County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Davidson County North Carolina | 1 | $ 86,000 | $ 86,000 | $ 51,000 |
| Granville County North Carolina | 1 | $ 92,000 | $ 92,000 | $ 34,000 |
| Halifax County North Carolina | 1 | $ 57,000 | $ 57,000 | $ 44,000 |
| Harnett County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 64,000 |
| Haywood County North Carolina | 1 | $ 110,000 | $ 110,000 | $ 42,000 |
| Johnston County North Carolina | 1 | $ 83,000 | $ 83,000 | $ 42,000 |
| Lee County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 50,000 |
| Lenoir County North Carolina | 1 | $ 68,000 | $ 68,000 | $ 25,000 |
| Lincoln County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 62,000 |
| Macon County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 60,000 |
| Madison County North Carolina | 1 | $ 68,000 | $ 68,000 | $ 24,000 |
| Moore County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 46,000 |
| New Hanover County North Carolina | 1 | $ 111,000 | $ 111,000 | $ 36,000 |
| Orange County North Carolina | 1 | $ 128,000 | $ 128,000 | $ 33,000 |
| Pamlico County North Carolina | 1 | $ 86,000 | $ 86,000 | $ 62,000 |
| Person County North Carolina | 1 | $ 64,000 | $ 64,000 | $ 30,000 |
| Richmond County North Carolina | 1 | $ 51,000 | $ 51,000 | $ 56,000 |
| Scotland County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 32,000 |
| Vance County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Wilkes County North Carolina | 1 | $ 86,000 | $ 86,000 | $ 71,000 |
| Wilson County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 61,000 |
| Richland County Ohio | 1 | $ 128,000 | $ 128,000 | $ 44,000 |
| Philadelphia County Pennsylvania | 1 | $ 64,000 | $ 64,000 | $ 16,000 |
| Washington County Pennsylvania | 1 | $ 70,000 | $ 70,000 | $ 32,000 |
| Allendale County South Carolina | 1 | $ 59,000 | $ 59,000 | $ 22,000 |
| Beaufort County South Carolina | 1 | $ 90,000 | $ 90,000 | $ 41,000 |
| Berkeley County South Carolina | 1 | $ 51,000 | $ 51,000 | $ 19,000 |
| Cherokee County South Carolina | 1 | $ 121,000 | $ 121,000 | $ 102,000 |
| Chesterfield County South Carolina | 1 | $ 59,000 | $ 59,000 | $ 39,000 |
| Clarendon County South Carolina | 1 | $ 76,000 | $ 76,000 | $ 21,000 |
| Edgefield County South Carolina | 1 | $ 66,000 | $ 66,000 | $ 30,000 |
| Kershaw County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 108,000 |
| Lee County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
| Lexington County South Carolina | 1 | $ 74,000 | $ 74,000 | $ 74,000 |
| Newberry County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 26,000 |
| Oconee County South Carolina | 1 | $ 72,000 | $ 72,000 | $ 25,000 |
| Williamsburg County South Carolina | 1 | $ 68,000 | $ 68,000 | $ 18,000 |
| Chester County Tennessee | 1 | $ 90,000 | $ 90,000 | $ 75,000 |
| Coffee County Tennessee | 1 | $ 93,000 | $ 93,000 | $ 44,000 |
| Fayette County Tennessee | 1 | $ 69,000 | $ 69,000 | $ 57,000 |
| Franklin County Tennessee | 1 | $ 84,000 | $ 84,000 | $ 26,000 |
| Haywood County Tennessee | 1 | $ 64,000 | $ 64,000 | $ 13,000 |
| Henderson County Tennessee | 1 | $ 77,000 | $ 77,000 | $ 17,000 |
| Houston County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 64,000 |
| Lawrence County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 13,000 |
| Lewis County Tennessee | 1 | $ 108,000 | $ 108,000 | $ 21,000 |
| Lincoln County Tennessee | 1 | $ 252,000 | $ 252,000 | $ 198,000 |
| Macon County Tennessee | 1 | $ 183,000 | $ 183,000 | $ 48,000 |
| McMinn County Tennessee | 1 | $ 94,000 | $ 94,000 | $ 19,000 |
| Pickett County Tennessee | 1 | $ 133,000 | $ 133,000 | $ 74,000 |
| Putnam County Tennessee | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Rhea County Tennessee | 1 | $ 66,000 | $ 66,000 | $ 43,000 |
| Sequatchie County Tennessee | 1 | $ 140,000 | $ 140,000 | $ 45,000 |
| Warren County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Weakley County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 18,000 |
| Augusta County Virginia | 1 | $ 75,000 | $ 75,000 | $ 20,000 |
| Bedford City County Virginia | 1 | $ 56,000 | $ 56,000 | $ 102,000 |
| Bristol County Virginia | 1 | $ 46,000 | $ 46,000 | $ 33,000 |
| Campbell County Virginia | 1 | $ 76,000 | $ 76,000 | $ 18,000 |
| Charlottesville County Virginia | 1 | $ 203,000 | $ 203,000 | $ 64,000 |
| Danville County Virginia | 1 | $ 100,000 | $ 100,000 | $ 24,000 |
| Dickenson County Virginia | 1 | $ 60,000 | $ 60,000 | $ 19,000 |
| Floyd County Virginia | 1 | $ 172,000 | $ 172,000 | $ 60,000 |
| Fluvanna County Virginia | 1 | $ 242,000 | $ 242,000 | $ 71,000 |
| Giles County Virginia | 1 | $ 50,000 | $ 50,000 | $ 14,000 |
| Halifax County Virginia | 1 | $ 80,000 | $ 80,000 | $ 32,000 |
| Hanover County Virginia | 1 | $ 98,000 | $ 98,000 | $ 43,000 |
| Henrico County Virginia | 1 | $ 181,000 | $ 181,000 | $ 59,000 |
| Lexington County Virginia | 1 | $ 106,000 | $ 106,000 | $ 26,000 |
| Lunenburg County Virginia | 1 | $ 85,000 | $ 85,000 | $ 66,000 |
| Lynchburg County Virginia | 1 | $ 75,000 | $ 75,000 | $ 58,000 |
| Montgomery County Virginia | 1 | $ 109,000 | $ 109,000 | $ 37,000 |
| Norfolk County Virginia | 1 | $ 128,000 | $ 128,000 | $ 40,000 |
| Norton County Virginia | 1 | $ 94,000 | $ 94,000 | $ 105,000 |
| Nottoway County Virginia | 1 | $ 60,000 | $ 60,000 | $ 27,000 |
| Orange County Virginia | 1 | $ 51,000 | $ 51,000 | $ 37,000 |
| Prince George County Virginia | 1 | $ 98,000 | $ 98,000 | $ 65,000 |
| Russell County Virginia | 1 | $ 89,000 | $ 89,000 | $ 48,000 |
| Scott County Virginia | 1 | $ 76,000 | $ 76,000 | $ 83,000 |
| Southampton County Virginia | 1 | $ 84,000 | $ 84,000 | $ 30,000 |
| Stafford County Virginia | 1 | $ 179,000 | $ 179,000 | $ 35,000 |
| Suffolk County Virginia | 1 | $ 174,000 | $ 174,000 | $ 39,000 |
| Waynesboro County Virginia | 1 | $ 32,000 | $ 32,000 | $ 120,000 |
| Boone County West Virginia | 1 | $ 45,000 | $ 45,000 | $ 43,000 |
| Cabell County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 32,000 |
Mortgage Loan Application Detail Totals for Citizens Bank in 2005
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 | 882 | $90,167,000 | $113,294 | $830,000 | $50,352 | $441,000 |
| Home Purchase | 388 | $49,153,000 | $879,375 | $6,300,000 | $288,250 | $1,906,000 |
| Home Improvement | 24 | $293,000 | $39,333 | $94,000 | $63,333 | $110,000 |
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 | 821 | $84,245,000 | $118,533 | $830,000 | $51,733 | $441,000 |
| Not Provided | 251 | $33,104,000 | $550,142 | $6,300,000 | $177,642 | $1,906,000 |
| Black or African American | 193 | $18,014,000 | $94,636 | $332,000 | $47,727 | $198,000 |
| Hispanic | 21 | $2,711,000 | $110,714 | $576,000 | $64,428 | $380,000 |
| Asian | 5 | $610,000 | $127,333 | $204,000 | $55,333 | $96,000 |
| American Indian or Alaskan Native | 3 | $929,000 | $309,000 | $700,000 | $135,000 | $239,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 1,291 | $139,120,000 | $135,352 | $6,300,000 | $59,529 | $1,906,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $493,000 | $184,000 | $243,000 | $80,500 | $121,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 945 | $99,416,000 | $116,937 | $830,000 | $52,187 | $441,000 |
| Application Denied By Financial Institution | 195 | $17,226,000 | $104,500 | $336,000 | $42,928 | $170,000 |
| Application Withdrawn By Applicant | 110 | $18,300,000 | $659,818 | $6,300,000 | $216,909 | $1,906,000 |
| Application Approved But Not Accepted | 24 | $2,403,000 | $84,000 | $240,000 | $36,666 | $82,000 |
| File Closed For Incompleteness | 20 | $2,268,000 | $108,250 | $250,000 | $44,500 | $323,000 |
| 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 | 98 | $8,234,000 | $83,090 | $287,000 | $39,909 | $158,000 |
| Other | 43 | $4,064,000 | $95,875 | $336,000 | $40,875 | $170,000 |
| Credit History | 21 | $2,514,000 | $135,250 | $298,000 | $50,125 | $118,000 |
| Credit Application Incomplete | 20 | $1,725,000 | $88,666 | $242,000 | $39,500 | $71,000 |
| Debt-To-Income Ratio | 8 | $440,000 | $65,666 | $160,000 | $28,000 | $59,000 |
| Unverifiable Information | 5 | $249,000 | $46,666 | $63,000 | $56,000 | $150,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank's 2005 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.