The Citizens Bank Mortgage Lending & HMDA Data, 2024
In 2024, The Citizens Bank of Enterprise, AL reported 29 mortgage applications totaling $8.7 million, down 45% from 2023. The average application was for $298,793, and applicants reported an average income of $153,137. 93% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Daphne-Fairhope-Foley, AL (7), Pensacola-Ferry Pass-Brent, FL (3) and Birmingham-Hoover, AL (1) (applications in parentheses).
| Mortgage Company & Address | The Citizens Bank P. O. Box 310900, 301 South Edwards Street Enterprise, AL 36330 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 29 |
| Total Mortgage Loan Application Amount | $8,665,000 |
| Average Mortgage Loan Application Amount | $298,793 |
| Highest Mortgage Loan Application Amount | $1,325,000 |
| Average Applicant Income | $153,137 |
| Highest Applicant Income | $302,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Citizens Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 16 | $ 2,700,000 | $ 168,750 | $ 134,000 |
| Daphne-Fairhope-Foley, AL | 7 | $ 2,735,000 | $ 390,714 | $ 223,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 2,325,000 | $ 775,000 | $ 0 |
| Birmingham-Hoover, AL | 1 | $ 175,000 | $ 175,000 | $ 94,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Dothan, AL | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for The Citizens Bank in 2024
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 14 | $6,210,000 | $443,000 | $1,325,000 | $190,000 | $302,000 |
| Refinancing | 9 | $1,955,000 | $217,000 | $575,000 | $93,000 | $176,000 |
| Home Improvement | 4 | $430,000 | $107,000 | $185,000 | $174,000 | $279,000 |
| Other Purpose | 2 | $70,000 | $35,000 | $55,000 | $124,000 | $200,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 15 | $3,225,000 | $215,000 | $765,000 | $144,000 | $302,000 |
| Not applicable | 11 | $4,615,000 | $419,000 | $1,325,000 | $0 | $0 |
| Black or African American | 3 | $825,000 | $275,000 | $585,000 | $137,000 | $192,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 29 | $8,665,000 | $298,000 | $1,325,000 | $143,000 | $302,000 |
| 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 | 27 | $7,645,000 | $283,000 | $1,325,000 | $134,000 | $301,000 |
| Application Withdrawn By Applicant | 2 | $1,020,000 | $510,000 | $725,000 | $302,000 | $302,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 29 | $8,665,000 | $298,000 | $1,325,000 | $143,000 | $302,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Citizens Bank's 2024 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 The 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 Alabama, download the full spreadsheet
with aggregated HMDA statistics today.
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