Citizens Bank Mortgage Lending & HMDA Data, 2007

In 2007, Citizens Bank of New Tazewell, TN reported 1,821 mortgage applications totaling $221.8 million, up 28% from 2006. The average application was for $121,779, and applicants reported an average income of $61,210. 23% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Knoxville, TN (358), Nashville-Davidson--Murfreesboro--Franklin, TN (327) and Morristown, TN (177) (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 1,821
Total Mortgage Loan Application Amount $221,760,000
Average Mortgage Loan Application Amount $121,779
Highest Mortgage Loan Application Amount $6,000,000
Average Applicant Income $61,210
Highest Applicant Income $1,200,000

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Act (HMDA) records Citizens Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Knox, Tennessee 240 $ 30,812,000 $ 128,383 $ 71,000
Claiborne, Tennessee 201 $ 13,266,000 $ 66,000 $ 43,000
Davidson, Tennessee 131 $ 19,476,000 $ 148,671 $ 66,000
Hamblen, Tennessee 96 $ 9,605,000 $ 100,052 $ 47,000
Hamilton, Tennessee 96 $ 14,420,000 $ 150,208 $ 65,000
Grainger, Tennessee 56 $ 3,898,000 $ 69,607 $ 42,000
Rutherford, Tennessee 46 $ 6,466,000 $ 140,565 $ 57,000
Sumner, Tennessee 45 $ 7,768,000 $ 172,622 $ 58,000
Union, Tennessee 43 $ 5,869,000 $ 136,488 $ 77,000
Blount, Tennessee 42 $ 5,656,000 $ 134,666 $ 72,000
Wilson, Tennessee 37 $ 5,882,000 $ 158,972 $ 71,000
Laurel, Kentucky 33 $ 4,056,000 $ 122,909 $ 62,000
Washington, Tennessee 30 $ 3,205,000 $ 106,833 $ 78,000
Hawkins, Tennessee 25 $ 1,190,000 $ 47,600 $ 68,000
Jefferson, Tennessee 25 $ 2,672,000 $ 106,880 $ 51,000
Sevier, Tennessee 25 $ 4,655,000 $ 186,200 $ 67,000
Carter, Tennessee 22 $ 1,931,000 $ 87,772 $ 44,000
Greene, Tennessee 22 $ 1,885,000 $ 85,681 $ 48,000
Maury, Tennessee 22 $ 2,314,000 $ 105,181 $ 42,000
Sullivan, Tennessee 22 $ 2,212,000 $ 100,545 $ 41,000
Bell, Kentucky 21 $ 1,330,000 $ 63,333 $ 42,000
Robertson, Tennessee 19 $ 2,613,000 $ 137,526 $ 63,000
Anderson, Tennessee 17 $ 1,913,000 $ 112,529 $ 57,000
Dickson, Tennessee 17 $ 1,957,000 $ 115,117 $ 50,000
Loudon, Tennessee 16 $ 1,860,000 $ 116,250 $ 49,000
Shelby, Tennessee 16 $ 2,120,000 $ 132,500 $ 82,000
Knox, Kentucky 15 $ 1,151,000 $ 76,733 $ 49,000
Roane, Tennessee 15 $ 1,387,000 $ 92,466 $ 56,000
Walker, Georgia 14 $ 1,605,000 $ 114,642 $ 86,000
Danville, Virginia 14 $ 614,000 $ 43,857 $ 122,000
Whitley, Kentucky 13 $ 1,093,000 $ 84,076 $ 38,000
Campbell, Tennessee 13 $ 1,913,000 $ 147,153 $ 56,000
Buncombe, North Carolina 12 $ 1,458,000 $ 121,500 $ 138,000
Williamson, Tennessee 12 $ 2,953,000 $ 246,083 $ 137,000
Montgomery, Tennessee 11 $ 1,478,000 $ 134,363 $ 49,000
Monroe, Tennessee 10 $ 1,086,000 $ 108,600 $ 44,000
Whitfield, Georgia 9 $ 1,763,000 $ 195,888 $ 47,000
Cheatham, Tennessee 9 $ 1,563,000 $ 173,666 $ 51,000
Unicoi, Tennessee 9 $ 825,000 $ 91,666 $ 51,000
Bradley, Tennessee 8 $ 902,000 $ 112,750 $ 52,000
Catoosa, Georgia 7 $ 914,000 $ 130,571 $ 78,000
Bibb, Georgia 6 $ 304,000 $ 50,666 $ 38,000
Haywood, North Carolina 6 $ 1,001,000 $ 166,833 $ 63,000
Rockingham, North Carolina 6 $ 384,000 $ 64,000 $ 72,000
Cocke, Tennessee 6 $ 420,000 $ 70,000 $ 34,000
Giles, Tennessee 6 $ 423,000 $ 70,500 $ 23,000
Hancock, Tennessee 6 $ 417,000 $ 69,500 $ 31,000
Lee, Virginia 6 $ 213,000 $ 35,500 $ 30,000
Jefferson, Kentucky 5 $ 2,485,000 $ 497,000 $ 128,000
McMinn, Tennessee 5 $ 719,000 $ 143,800 $ 75,000
Rhea, Tennessee 5 $ 373,000 $ 74,600 $ 28,000
White, Tennessee 5 $ 307,000 $ 61,400 $ 55,000
Fulton, Georgia 4 $ 898,000 $ 224,500 $ 230,000
Harlan, Kentucky 4 $ 227,000 $ 56,750 $ 45,000
Perry, Kentucky 4 $ 406,000 $ 101,500 $ 56,000
Sumter, South Carolina 4 $ 392,000 $ 98,000 $ 102,000
Bedford, Tennessee 4 $ 386,000 $ 96,500 $ 61,000
Cumberland, Tennessee 4 $ 653,000 $ 163,250 $ 52,000
Hickman, Tennessee 4 $ 435,000 $ 108,750 $ 44,000
Humphreys, Tennessee 4 $ 249,000 $ 62,250 $ 46,000
Smith, Tennessee 4 $ 324,000 $ 81,000 $ 25,000
Bourbon, Kentucky 3 $ 425,000 $ 141,666 $ 58,000
Clay, Kentucky 3 $ 153,000 $ 51,000 $ 40,000
Pulaski, Kentucky 3 $ 234,000 $ 78,000 $ 38,000
Coffee, Tennessee 3 $ 294,000 $ 98,000 $ 25,000
DeKalb, Tennessee 3 $ 448,000 $ 149,333 $ 62,000
Dyer, Tennessee 3 $ 230,000 $ 76,666 $ 30,000
Franklin, Tennessee 3 $ 554,000 $ 184,666 $ 55,000
Madison, Tennessee 3 $ 317,000 $ 105,666 $ 40,000
Morgan, Tennessee 3 $ 340,000 $ 113,333 $ 79,000
Putnam, Tennessee 3 $ 430,000 $ 143,333 $ 72,000
Warren, Tennessee 3 $ 224,000 $ 74,666 $ 56,000
Fairfax, Virginia 3 $ 1,004,000 $ 334,666 $ 100,000
Wise, Virginia 3 $ 449,000 $ 149,666 $ 66,000
Jefferson, Alabama 2 $ 213,000 $ 106,500 $ 37,000
Cobb, Georgia 2 $ 342,000 $ 171,000 $ 65,000
Dade, Georgia 2 $ 196,000 $ 98,000 $ 36,000
Houston, Georgia 2 $ 102,000 $ 51,000 $ 27,000
Paulding, Georgia 2 $ 340,000 $ 170,000 $ 67,000
Bullitt, Kentucky 2 $ 249,000 $ 124,500 $ 84,000
Hancock, Kentucky 2 $ 198,000 $ 99,000 $ 32,000
Harrison, Kentucky 2 $ 458,000 $ 229,000 $ 97,000
Rockcastle, Kentucky 2 $ 236,000 $ 118,000 $ 74,000
Wayne, Kentucky 2 $ 120,000 $ 60,000 $ 20,000
Henderson, North Carolina 2 $ 168,000 $ 84,000 $ 1,061,000
Sampson, North Carolina 2 $ 135,000 $ 67,500 $ 58,000
Charleston, South Carolina 2 $ 307,000 $ 153,500 $ 38,000
Fentress, Tennessee 2 $ 190,000 $ 95,000 $ 57,000
Hardin, Tennessee 2 $ 460,000 $ 230,000 $ 88,000
Henry, Tennessee 2 $ 154,000 $ 77,000 $ 33,000
Lincoln, Tennessee 2 $ 150,000 $ 75,000 $ 29,000
Marshall, Tennessee 2 $ 214,000 $ 107,000 $ 29,000
Meigs, Tennessee 2 $ 781,000 $ 390,500 $ 181,000
Overton, Tennessee 2 $ 172,000 $ 86,000 $ 43,000
Scott, Tennessee 2 $ 108,000 $ 54,000 $ 48,000
Sequatchie, Tennessee 2 $ 205,000 $ 102,500 $ 33,000
Stewart, Tennessee 2 $ 253,000 $ 126,500 $ 39,000
Tipton, Tennessee 2 $ 263,000 $ 131,500 $ 32,000
Henry, Virginia 2 $ 732,000 $ 366,000 $ 337,000
Calhoun, Alabama 1 $ 55,000 $ 55,000 $ 23,000
Tuscaloosa, Alabama 1 $ 129,000 $ 129,000 $ 73,000
Broward, Florida 1 $ 90,000 $ 90,000 $ 61,000
Miami-Dade, Florida 1 $ 6,000,000 $ 6,000,000 $ 0
Bartow, Georgia 1 $ 222,000 $ 222,000 $ 301,000
Ben Hill, Georgia 1 $ 125,000 $ 125,000 $ 28,000
Clayton, Georgia 1 $ 131,000 $ 131,000 $ 73,000
Columbia, Georgia 1 $ 390,000 $ 390,000 $ 312,000
DeKalb, Georgia 1 $ 121,000 $ 121,000 $ 50,000
Dougherty, Georgia 1 $ 83,000 $ 83,000 $ 31,000
Douglas, Georgia 1 $ 178,000 $ 178,000 $ 38,000
Elbert, Georgia 1 $ 143,000 $ 143,000 $ 47,000
Floyd, Georgia 1 $ 105,000 $ 105,000 $ 31,000
Gordon, Georgia 1 $ 165,000 $ 165,000 $ 86,000
Gwinnett, Georgia 1 $ 158,000 $ 158,000 $ 32,000
Habersham, Georgia 1 $ 109,000 $ 109,000 $ 84,000
Hall, Georgia 1 $ 650,000 $ 650,000 $ 588,000
Henry, Georgia 1 $ 152,000 $ 152,000 $ 51,000
Laurens, Georgia 1 $ 38,000 $ 38,000 $ 90,000
Oconee, Georgia 1 $ 203,000 $ 203,000 $ 96,000
Peach, Georgia 1 $ 40,000 $ 40,000 $ 23,000
Richmond, Georgia 1 $ 81,000 $ 81,000 $ 54,000
Twiggs, Georgia 1 $ 74,000 $ 74,000 $ 30,000
Clinton, Illinois 1 $ 90,000 $ 90,000 $ 19,000
St. Clair, Illinois 1 $ 9,000 $ 9,000 $ 13,000
Boone, Kentucky 1 $ 322,000 $ 322,000 $ 137,000
Boyd, Kentucky 1 $ 45,000 $ 45,000 $ 42,000
Daviess, Kentucky 1 $ 62,000 $ 62,000 $ 13,000
Floyd, Kentucky 1 $ 65,000 $ 65,000 $ 20,000
Green, Kentucky 1 $ 85,000 $ 85,000 $ 66,000
Jackson, Kentucky 1 $ 47,000 $ 47,000 $ 16,000
Kenton, Kentucky 1 $ 35,000 $ 35,000 $ 22,000
Knott, Kentucky 1 $ 131,000 $ 131,000 $ 41,000
Leslie, Kentucky 1 $ 52,000 $ 52,000 $ 17,000
Logan, Kentucky 1 $ 127,000 $ 127,000 $ 30,000
Madison, Kentucky 1 $ 76,000 $ 76,000 $ 45,000
McCreary, Kentucky 1 $ 34,000 $ 34,000 $ 13,000
Prince George's, Maryland 1 $ 290,000 $ 290,000 $ 216,000
Lee, Mississippi 1 $ 175,000 $ 175,000 $ 83,000
Prentiss, Mississippi 1 $ 81,000 $ 81,000 $ 43,000
Beaufort, North Carolina 1 $ 56,000 $ 56,000 $ 62,000
Brunswick, North Carolina 1 $ 176,000 $ 176,000 $ 36,000
Cleveland, North Carolina 1 $ 63,000 $ 63,000 $ 43,000
Craven, North Carolina 1 $ 70,000 $ 70,000 $ 13,000
Forsyth, North Carolina 1 $ 100,000 $ 100,000 $ 0
Gates, North Carolina 1 $ 149,000 $ 149,000 $ 42,000
Harnett, North Carolina 1 $ 83,000 $ 83,000 $ 52,000
Lincoln, North Carolina 1 $ 130,000 $ 130,000 $ 20,000
New Hanover, North Carolina 1 $ 200,000 $ 200,000 $ 0
Richmond, North Carolina 1 $ 90,000 $ 90,000 $ 46,000
Rowan, North Carolina 1 $ 72,000 $ 72,000 $ 17,000
Union, North Carolina 1 $ 96,000 $ 96,000 $ 15,000
Wake, North Carolina 1 $ 138,000 $ 138,000 $ 39,000
Wayne, North Carolina 1 $ 110,000 $ 110,000 $ 18,000
Yancey, North Carolina 1 $ 400,000 $ 400,000 $ 139,000
Bradford, Pennsylvania 1 $ 72,000 $ 72,000 $ 15,000
Centre, Pennsylvania 1 $ 92,000 $ 92,000 $ 29,000
Laurens, South Carolina 1 $ 115,000 $ 115,000 $ 49,000
Oconee, South Carolina 1 $ 63,000 $ 63,000 $ 27,000
Saluda, South Carolina 1 $ 63,000 $ 63,000 $ 26,000
Spartanburg, South Carolina 1 $ 68,000 $ 68,000 $ 84,000
York, South Carolina 1 $ 76,000 $ 76,000 $ 63,000
Benton, Tennessee 1 $ 165,000 $ 165,000 $ 31,000
Cannon, Tennessee 1 $ 128,000 $ 128,000 $ 34,000
Chester, Tennessee 1 $ 86,000 $ 86,000 $ 51,000
Fayette, Tennessee 1 $ 96,000 $ 96,000 $ 65,000
Gibson, Tennessee 1 $ 124,000 $ 124,000 $ 42,000
Houston, Tennessee 1 $ 126,000 $ 126,000 $ 70,000
Lawrence, Tennessee 1 $ 108,000 $ 108,000 $ 0
Macon, Tennessee 1 $ 117,000 $ 117,000 $ 46,000
McNairy, Tennessee 1 $ 60,000 $ 60,000 $ 18,000
Trousdale, Tennessee 1 $ 230,000 $ 230,000 $ 51,000
Van Buren, Tennessee 1 $ 51,000 $ 51,000 $ 22,000
Mecklenburg, Virginia 1 $ 48,000 $ 48,000 $ 36,000
Prince William, Virginia 1 $ 279,000 $ 279,000 $ 62,000
Scott, Virginia 1 $ 135,000 $ 135,000 $ 42,000
Washington, Virginia 1 $ 138,000 $ 138,000 $ 85,000
Waynesboro, Virginia 1 $ 95,000 $ 95,000 $ 73,000

Mortgage Loan Application Detail Totals for Citizens Bank in 2007

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 1,185 $160,703,000 $135,000 $6,000,000 $61,000 $1,200,000
Home Purchase 523 $59,907,000 $114,000 $985,000 $68,000 $766,000
Home Improvement 113 $1,150,000 $10,000 $124,000 $32,000 $131,000

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 1,344 $162,864,000 $121,000 $6,000,000 $63,000 $1,200,000
Not Provided 246 $31,047,000 $126,000 $985,000 $55,000 $588,000
Black or African American 177 $21,102,000 $119,000 $554,000 $52,000 $346,000
Hispanic 20 $2,770,000 $138,000 $592,000 $69,000 $447,000
Asian 20 $2,500,000 $125,000 $417,000 $101,000 $167,000
American Indian or Alaskan Native 12 $909,000 $75,000 $256,000 $85,000 $123,000
Native Hawaiian or Other Pacific Islander 1 $158,000 $158,000 $158,000 $49,000 $49,000
Not applicable 1 $410,000 $410,000 $410,000 $92,000 $92,000

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) 1,821 $221,760,000 $121,000 $6,000,000 $61,000 $1,200,000
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
File Closed For Incompleteness 750 $100,627,000 $134,000 $1,300,000 $62,000 $780,000
Application Denied By Financial Institution 565 $72,371,000 $128,000 $6,000,000 $61,000 $1,200,000
Loan Originated 422 $41,212,000 $97,000 $592,000 $64,000 $731,000
Application Withdrawn By Applicant 81 $7,150,000 $88,000 $556,000 $45,000 $226,000
Application Approved But Not Accepted 3 $400,000 $133,000 $158,000 $59,000 $74,000
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
Credit History 327 $42,990,000 $131,000 $6,000,000 $48,000 $432,000
Debt-To-Income Ratio 45 $4,132,000 $91,000 $340,000 $53,000 $167,000
Collateral 45 $6,705,000 $149,000 $1,800,000 $97,000 $1,200,000
Other 26 $4,552,000 $175,000 $1,300,000 $116,000 $1,200,000
Employment History 10 $891,000 $89,000 $173,000 $46,000 $58,000
Insufficient Cash (Downpayment, Closing Cost) 8 $448,000 $56,000 $162,000 $41,000 $129,000
Unverifiable Information 2 $364,000 $182,000 $212,000 $67,000 $84,000
Credit Application Incomplete 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 2007 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.

Download the Tennessee Lender List