Citizens Bank Mortgage Lending & HMDA Data, 2006
In 2006, Citizens Bank of New Tazewell, TN reported 1,426 mortgage applications totaling $159.9 million, up 10% from 2005. The average application was for $112,145, and applicants reported an average income of $62,176. 67% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Knoxville, TN (145), Nashville-Davidson--Murfreesboro, TN (112) and Morristown, TN (68) (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 | 1,426 |
| Total Mortgage Loan Application Amount | $159,919,000 |
| Average Mortgage Loan Application Amount | $112,145 |
| Highest Mortgage Loan Application Amount | $1,517,000 |
| Average Applicant Income | $62,176 |
| Highest Applicant Income | $1,810,000 |
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Act (HMDA) records Citizens Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Knoxville, TN | 145 | $ 16,566,000 | $ 114,248 | $ 68,000 |
| Nashville-Davidson--Murfreesboro, TN | 112 | $ 14,895,000 | $ 132,991 | $ 80,000 |
| Morristown, TN | 68 | $ 5,731,000 | $ 84,279 | $ 43,000 |
| Johnson City, TN | 52 | $ 5,398,000 | $ 103,807 | $ 61,000 |
| Birmingham-Hoover, AL | 26 | $ 2,599,000 | $ 99,961 | $ 51,000 |
| Greenville, SC | 26 | $ 2,842,000 | $ 109,307 | $ 47,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 26 | $ 5,037,000 | $ 193,730 | $ 123,269 |
| Charlotte-Gastonia-Concord, NC-SC | 23 | $ 2,864,000 | $ 124,521 | $ 52,739 |
| Asheville, NC | 20 | $ 2,507,000 | $ 125,350 | $ 51,000 |
| Philadelphia, PA | 18 | $ 1,746,000 | $ 97,000 | $ 41,000 |
| Jackson, MS | 16 | $ 1,899,000 | $ 118,687 | $ 51,000 |
| Kingsport-Bristol-Bristol, TN-VA | 16 | $ 1,060,000 | $ 66,250 | $ 44,000 |
| Atlanta-Sandy Springs-Marietta, GA | 15 | $ 4,268,000 | $ 284,533 | $ 115,000 |
| Clarksville, TN-KY | 14 | $ 1,096,000 | $ 78,285 | $ 56,500 |
| Memphis, TN-MS-AR | 13 | $ 1,235,000 | $ 95,000 | $ 61,615 |
| Lexington-Fayette, KY | 12 | $ 1,064,000 | $ 88,666 | $ 53,000 |
| Augusta-Richmond County, GA-SC | 11 | $ 1,028,000 | $ 93,454 | $ 65,090 |
| Richmond, VA | 11 | $ 1,224,000 | $ 111,272 | $ 70,000 |
| Chattanooga, TN-GA | 10 | $ 1,029,000 | $ 102,900 | $ 58,200 |
| Huntsville, AL | 10 | $ 1,136,000 | $ 113,600 | $ 45,000 |
| Charleston-North Charleston, SC | 8 | $ 1,758,000 | $ 219,750 | $ 87,000 |
| Cincinnati-Middletown, OH-KY-IN | 8 | $ 840,000 | $ 105,000 | $ 49,500 |
| Mobile, AL | 8 | $ 676,000 | $ 84,500 | $ 47,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 8 | $ 719,000 | $ 89,875 | $ 110,000 |
| Anderson, SC | 7 | $ 791,000 | $ 113,000 | $ 45,000 |
| Columbia, SC | 7 | $ 995,000 | $ 142,142 | $ 50,000 |
| Florence, SC | 7 | $ 736,000 | $ 105,142 | $ 37,000 |
| Louisville-Jefferson County, KY-IN | 7 | $ 670,000 | $ 95,714 | $ 44,000 |
| Montgomery, AL | 7 | $ 681,000 | $ 97,285 | $ 52,000 |
| Decatur, AL | 6 | $ 450,000 | $ 75,000 | $ 47,000 |
| Greensboro-High Point, NC | 6 | $ 697,000 | $ 116,166 | $ 40,000 |
| Hagerstown-Martinsburg, MD-WV | 6 | $ 1,012,000 | $ 168,666 | $ 70,000 |
| Columbus, OH | 5 | $ 542,000 | $ 108,400 | $ 74,000 |
| Fayetteville, NC | 5 | $ 746,000 | $ 149,200 | $ 77,000 |
| Huntington-Ashland, WV-KY-OH | 5 | $ 492,000 | $ 98,400 | $ 37,400 |
| Macon, GA | 5 | $ 487,000 | $ 97,400 | $ 51,000 |
| Pascagoula, MS | 5 | $ 476,000 | $ 95,200 | $ 65,000 |
| Wilmington, NC | 5 | $ 595,000 | $ 119,000 | $ 50,000 |
| Florence-Muscle Shoals, AL | 4 | $ 455,000 | $ 113,750 | $ 53,000 |
| Hickory-Lenoir-Morganton, NC | 4 | $ 355,000 | $ 88,750 | $ 81,000 |
| Jacksonville, FL | 4 | $ 561,000 | $ 140,250 | $ 47,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 4 | $ 410,000 | $ 102,500 | $ 37,000 |
| New Haven-Milford, CT | 4 | $ 410,000 | $ 102,500 | $ 41,000 |
| Orlando-Kissimmee, FL | 4 | $ 769,000 | $ 192,250 | $ 62,000 |
| Owensboro, KY | 4 | $ 310,000 | $ 77,500 | $ 42,000 |
| Rome, GA | 4 | $ 399,000 | $ 99,750 | $ 65,000 |
| Spartanburg, SC | 4 | $ 439,000 | $ 109,750 | $ 41,000 |
| Tuscaloosa, AL | 4 | $ 370,000 | $ 92,500 | $ 35,000 |
| Anniston-Oxford, AL | 3 | $ 275,000 | $ 91,666 | $ 36,000 |
| Blacksburg-Christiansburg-Radford, VA | 3 | $ 457,000 | $ 152,333 | $ 46,000 |
| Charleston, WV | 3 | $ 345,000 | $ 115,000 | $ 83,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 203,000 | $ 67,666 | $ 35,000 |
| Gulfport-Biloxi, MS | 3 | $ 419,000 | $ 139,666 | $ 56,000 |
| Jackson, TN | 3 | $ 291,000 | $ 97,000 | $ 39,000 |
| Raleigh-Cary, NC | 3 | $ 420,000 | $ 140,000 | $ 43,000 |
| Rocky Mount, NC | 3 | $ 214,000 | $ 71,333 | $ 36,000 |
| Savannah, GA | 3 | $ 386,000 | $ 128,666 | $ 36,000 |
| Scranton--Wilkes-Barre, PA | 3 | $ 170,000 | $ 56,666 | $ 10,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 745,000 | $ 248,333 | $ 106,000 |
| Albany, GA | 2 | $ 149,000 | $ 74,500 | $ 42,000 |
| Bowling Green, KY | 2 | $ 221,000 | $ 110,500 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 385,000 | $ 192,500 | $ 69,000 |
| Burlington, NC | 2 | $ 149,000 | $ 74,500 | $ 30,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 228,000 | $ 114,000 | $ 69,000 |
| Dothan, AL | 2 | $ 398,000 | $ 199,000 | $ 42,000 |
| Durham, NC | 2 | $ 247,000 | $ 123,500 | $ 50,000 |
| Elizabethtown, KY | 2 | $ 329,000 | $ 164,500 | $ 61,000 |
| Evansville, IN-KY | 2 | $ 125,000 | $ 62,500 | $ 41,000 |
| Gary, IN | 2 | $ 138,000 | $ 69,000 | $ 21,000 |
| Greenville, NC | 2 | $ 152,000 | $ 76,000 | $ 18,000 |
| Muskegon-Norton Shores, MI | 2 | $ 120,000 | $ 60,000 | $ 56,000 |
| Pittsburgh, PA | 2 | $ 335,000 | $ 167,500 | $ 52,000 |
| Reading, PA | 2 | $ 201,000 | $ 100,500 | $ 31,000 |
| Sandusky, OH | 2 | $ 252,000 | $ 126,000 | $ 48,000 |
| Sumter, SC | 2 | $ 129,000 | $ 64,500 | $ 37,000 |
| Valdosta, GA | 2 | $ 290,000 | $ 145,000 | $ 43,000 |
| Williamsport, PA | 2 | $ 149,000 | $ 74,500 | $ 35,000 |
| Winston-Salem, NC | 2 | $ 158,000 | $ 79,000 | $ 38,000 |
| Akron, OH | 1 | $ 103,000 | $ 103,000 | $ 40,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 112,000 | $ 112,000 | $ 47,000 |
| Auburn-Opelika, AL | 1 | $ 88,000 | $ 88,000 | $ 43,000 |
| Brunswick, GA | 1 | $ 95,000 | $ 95,000 | $ 94,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 149,000 | $ 149,000 | $ 38,000 |
| Champaign-Urbana, IL | 1 | $ 172,000 | $ 172,000 | $ 35,000 |
| Cleveland, TN | 1 | $ 91,000 | $ 91,000 | $ 48,000 |
| Columbus, GA-AL | 1 | $ 65,000 | $ 65,000 | $ 39,000 |
| Dalton, GA | 1 | $ 77,000 | $ 77,000 | $ 42,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 157,000 | $ 157,000 | $ 54,000 |
| Erie, PA | 1 | $ 45,000 | $ 45,000 | $ 17,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 145,000 | $ 145,000 | $ 64,000 |
| Flint, MI | 1 | $ 106,000 | $ 106,000 | $ 41,000 |
| Fort Wayne, IN | 1 | $ 50,000 | $ 50,000 | $ 65,000 |
| Gadsden, AL | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| Goldsboro, NC | 1 | $ 50,000 | $ 50,000 | $ 15,000 |
| Harrisburg-Carlisle, PA | 1 | $ 223,000 | $ 223,000 | $ 48,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 357,000 | $ 357,000 | $ 165,000 |
| Indianapolis-Carmel, IN | 1 | $ 119,000 | $ 119,000 | $ 61,000 |
| Jacksonville, NC | 1 | $ 82,000 | $ 82,000 | $ 58,000 |
| Johnstown, PA | 1 | $ 67,000 | $ 67,000 | $ 16,000 |
| Kalamazoo-Portage, MI | 1 | $ 172,000 | $ 172,000 | $ 141,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 157,000 | $ 157,000 | $ 44,000 |
| Lakeland, FL | 1 | $ 60,000 | $ 60,000 | $ 46,000 |
| Lancaster, PA | 1 | $ 104,000 | $ 104,000 | $ 33,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Lynchburg, VA | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 192,000 | $ 192,000 | $ 52,000 |
| Morgantown, WV | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Naples-Marco Island, FL | 1 | $ 342,000 | $ 342,000 | $ 147,000 |
| Newark-Union, NJ-PA | 1 | $ 286,000 | $ 286,000 | $ 117,000 |
| Niles-Benton Harbor, MI | 1 | $ 36,000 | $ 36,000 | $ 28,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 259,000 | $ 259,000 | $ 92,000 |
| Panama City-Lynn Haven, FL | 1 | $ 91,000 | $ 91,000 | $ 46,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 76,000 | $ 76,000 | $ 22,000 |
| Roanoke, VA | 1 | $ 116,000 | $ 116,000 | $ 41,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 225,000 | $ 225,000 | $ 74,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 156,000 | $ 156,000 | $ 30,000 |
| Springfield, IL | 1 | $ 55,000 | $ 55,000 | $ 25,000 |
| St. Louis, MO-IL | 1 | $ 96,000 | $ 96,000 | $ 42,000 |
| Warner Robins, GA | 1 | $ 86,000 | $ 86,000 | $ 30,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 81,000 | $ 81,000 | $ 71,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 156,000 | $ 156,000 | $ 48,000 |
| Wheeling, WV-OH | 1 | $ 71,000 | $ 71,000 | $ 34,000 |
| Winchester, VA-WV | 1 | $ 93,000 | $ 93,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Citizens Bank in 2006
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 | 1,040 | $115,596,000 | $111,000 | $1,517,000 | $55,000 | $1,810,000 |
| Home Purchase | 382 | $44,286,000 | $115,000 | $859,000 | $82,000 | $456,000 |
| Home Improvement | 4 | $37,000 | $9,000 | $15,000 | $35,000 | $63,000 |
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 | 875 | $92,584,000 | $105,000 | $1,000,000 | $60,000 | $431,000 |
| Black or African American | 267 | $28,907,000 | $108,000 | $486,000 | $53,000 | $300,000 |
| Not Provided | 239 | $28,531,000 | $119,000 | $1,517,000 | $60,000 | $480,000 |
| Hispanic | 29 | $7,092,000 | $244,000 | $859,000 | $246,000 | $1,810,000 |
| Asian | 11 | $2,032,000 | $184,000 | $450,000 | $51,000 | $181,000 |
| American Indian or Alaskan Native | 4 | $373,000 | $93,000 | $112,000 | $46,000 | $60,000 |
| Not applicable | 1 | $400,000 | $400,000 | $400,000 | $0 | $0 |
| 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) | 1,423 | $159,624,000 | $112,000 | $1,517,000 | $63,000 | $1,810,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $200,000 | $100,000 | $108,000 | $22,000 | $26,000 |
| VA-guaranteed (Veterans Administration) | 1 | $95,000 | $95,000 | $95,000 | $59,000 | $59,000 |
| 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 | 954 | $103,694,000 | $108,000 | $1,517,000 | $61,000 | $1,810,000 |
| Application Denied By Financial Institution | 222 | $21,759,000 | $98,000 | $601,000 | $45,000 | $345,000 |
| Application Withdrawn By Applicant | 176 | $24,857,000 | $141,000 | $859,000 | $85,000 | $456,000 |
| File Closed For Incompleteness | 60 | $7,755,000 | $129,000 | $700,000 | $85,000 | $312,000 |
| Application Approved But Not Accepted | 14 | $1,854,000 | $132,000 | $530,000 | $47,000 | $156,000 |
| 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 | 100 | $9,867,000 | $98,000 | $601,000 | $43,000 | $228,000 |
| Other | 39 | $4,742,000 | $121,000 | $486,000 | $63,000 | $345,000 |
| Credit History | 30 | $2,545,000 | $84,000 | $350,000 | $33,000 | $85,000 |
| Credit Application Incomplete | 22 | $1,776,000 | $80,000 | $181,000 | $40,000 | $120,000 |
| Debt-To-Income Ratio | 16 | $1,716,000 | $107,000 | $252,000 | $56,000 | $234,000 |
| Employment History | 7 | $417,000 | $59,000 | $114,000 | $31,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $620,000 | $88,000 | $171,000 | $44,000 | $88,000 |
| Unverifiable Information | 1 | $76,000 | $76,000 | $76,000 | $37,000 | $37,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank's 2006 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About