Citizens Bank & Trust Co. Mortgage Lending & HMDA Data, 2006
In 2006, Citizens Bank & Trust Co. of Marks, MS reported 88 mortgage applications totaling $5.1 million, down 6% from 2005. The average application was for $58,261, and applicants reported an average income of $63,988. 88% of its applications resulted in an originated loan and 7% were denied. Its largest market was Memphis, TN-MS-AR (22).
| Mortgage Company & Address | Citizens Bank & Trust Co. 239 East Main St Marks, MS 38646 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 88 |
| Total Mortgage Loan Application Amount | $5,127,000 |
| Average Mortgage Loan Application Amount | $58,261 |
| Highest Mortgage Loan Application Amount | $679,000 |
| Average Applicant Income | $63,988 |
| Highest Applicant Income | $500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Quitman, Mississippi | 48 | $ 1,908,000 | $ 39,750 | $ 53,000 |
| Tunica, Mississippi | 12 | $ 467,000 | $ 38,916 | $ 70,000 |
| Panola, Mississippi | 8 | $ 612,000 | $ 76,500 | $ 67,000 |
| Lafayette, Mississippi | 6 | $ 1,514,000 | $ 252,333 | $ 161,000 |
| DeSoto, Mississippi | 4 | $ 127,000 | $ 31,750 | $ 55,000 |
| Tate, Mississippi | 4 | $ 150,000 | $ 37,500 | $ 47,000 |
| Coahoma, Mississippi | 3 | $ 193,000 | $ 64,333 | $ 42,000 |
| Shelby, Tennessee | 2 | $ 151,000 | $ 75,500 | $ 104,000 |
| Tallahatchie, Mississippi | 1 | $ 5,000 | $ 5,000 | $ 29,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Co. 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 | 36 | $1,907,000 | $52,000 | $181,000 | $67,000 | $500,000 |
| Home Purchase | 35 | $2,709,000 | $77,000 | $679,000 | $57,000 | $299,000 |
| Home Improvement | 17 | $511,000 | $30,000 | $140,000 | $72,000 | $255,000 |
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 | 65 | $3,467,000 | $53,000 | $415,000 | $63,000 | $255,000 |
| Black or African American | 20 | $616,000 | $30,000 | $88,000 | $36,000 | $78,000 |
| Not applicable | 3 | $1,044,000 | $348,000 | $679,000 | $266,000 | $500,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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) | 88 | $5,127,000 | $58,000 | $679,000 | $64,000 | $500,000 |
| 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 | 77 | $4,733,000 | $61,000 | $679,000 | $68,000 | $500,000 |
| Application Denied By Financial Institution | 6 | $184,000 | $30,000 | $50,000 | $45,000 | $83,000 |
| Application Withdrawn By Applicant | 3 | $98,000 | $32,000 | $45,000 | $21,000 | $29,000 |
| File Closed For Incompleteness | 2 | $112,000 | $56,000 | $67,000 | $28,000 | $29,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $118,000 | $39,000 | $50,000 | $43,000 | $73,000 |
| Collateral | 3 | $66,000 | $22,000 | $39,000 | $46,000 | $83,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank & Trust Co.'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 & Trust Co.'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 Mississippi, download the full spreadsheet
with aggregated HMDA statistics today.
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