Citizens Bank & Trust Co. Mortgage Lending & HMDA Data, 2010
In 2010, Citizens Bank & Trust Co. of Marks, MS reported 75 mortgage applications totaling $5.8 million, down 19% from 2009. The average application was for $76,826, and applicants reported an average income of $74,786. 87% 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 | 75 |
| Total Mortgage Loan Application Amount | $5,762,000 |
| Average Mortgage Loan Application Amount | $76,826 |
| Highest Mortgage Loan Application Amount | $496,000 |
| Average Applicant Income | $74,786 |
| Highest Applicant Income | $602,000 |
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records Citizens Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 29 | $ 1,555,000 | $ 53,620 | $ 55,000 |
| Tunica, Mississippi | 11 | $ 364,000 | $ 33,090 | $ 72,000 |
| Lafayette, Mississippi | 9 | $ 1,795,000 | $ 199,444 | $ 113,000 |
| Panola, Mississippi | 9 | $ 653,000 | $ 72,555 | $ 61,000 |
| Shelby, Tennessee | 7 | $ 586,000 | $ 83,714 | $ 118,000 |
| Tate, Mississippi | 3 | $ 147,000 | $ 49,000 | $ 115,000 |
| Coahoma, Mississippi | 2 | $ 66,000 | $ 33,000 | $ 17,000 |
| Tallahatchie, Mississippi | 2 | $ 68,000 | $ 34,000 | $ 11,000 |
| Benton, Mississippi | 1 | $ 398,000 | $ 398,000 | $ 268,000 |
| DeSoto, Mississippi | 1 | $ 51,000 | $ 51,000 | $ 67,000 |
| Oktibbeha, Mississippi | 1 | $ 79,000 | $ 79,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Co. in 2010
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 | 34 | $2,982,000 | $87,000 | $496,000 | $88,000 | $602,000 |
| Home Purchase | 27 | $2,149,000 | $79,000 | $300,000 | $57,000 | $193,000 |
| Home Improvement | 14 | $631,000 | $45,000 | $161,000 | $77,000 | $206,000 |
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 | 52 | $4,607,000 | $88,000 | $496,000 | $93,000 | $602,000 |
| Black or African American | 18 | $566,000 | $31,000 | $85,000 | $33,000 | $99,000 |
| Not applicable | 4 | $534,000 | $133,000 | $231,000 | $0 | $0 |
| Asian | 1 | $55,000 | $55,000 | $55,000 | $193,000 | $193,000 |
| American Indian or Alaskan Native | 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 |
| 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) | 75 | $5,762,000 | $76,000 | $496,000 | $75,000 | $602,000 |
| 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 | 65 | $5,423,000 | $83,000 | $496,000 | $83,000 | $602,000 |
| Application Denied By Financial Institution | 5 | $124,000 | $24,000 | $46,000 | $25,000 | $42,000 |
| Application Withdrawn By Applicant | 4 | $155,000 | $38,000 | $50,000 | $26,000 | $32,000 |
| File Closed For Incompleteness | 1 | $60,000 | $60,000 | $60,000 | $14,000 | $14,000 |
| 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 | 4 | $112,000 | $28,000 | $46,000 | $20,000 | $28,000 |
| Other | 1 | $12,000 | $12,000 | $12,000 | $42,000 | $42,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank & Trust Co.'s 2010 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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