Citizens Bank & Trust Co. Mortgage Lending & HMDA Data, 2016
In 2016, Citizens Bank & Trust Co. of Marks, MS reported 50 mortgage applications totaling $4.1 million, down 24% from 2015. The average application was for $81,540, and applicants reported an average income of $64,300. 74% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Memphis, TN-MS-AR (10) and Crestview-Fort Walton Beach-Destin, FL (1).
| 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 | 50 |
| Total Mortgage Loan Application Amount | $4,077,000 |
| Average Mortgage Loan Application Amount | $81,540 |
| Highest Mortgage Loan Application Amount | $356,000 |
| Average Applicant Income | $64,300 |
| Highest Applicant Income | $256,000 |
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records Citizens Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 18 | $ 1,130,000 | $ 62,777 | $ 49,000 |
| Panola, Mississippi | 8 | $ 787,000 | $ 98,375 | $ 82,000 |
| Tallahatchie, Mississippi | 6 | $ 224,000 | $ 37,333 | $ 66,000 |
| Tunica, Mississippi | 6 | $ 372,000 | $ 62,000 | $ 46,000 |
| Lafayette, Mississippi | 4 | $ 565,000 | $ 141,250 | $ 79,000 |
| DeSoto, Mississippi | 2 | $ 118,000 | $ 59,000 | $ 48,000 |
| Tate, Mississippi | 2 | $ 69,000 | $ 34,500 | $ 31,000 |
| Searcy, Arkansas | 1 | $ 35,000 | $ 35,000 | $ 112,000 |
| Okaloosa, Florida | 1 | $ 80,000 | $ 80,000 | $ 121,000 |
| Lee, Mississippi | 1 | $ 341,000 | $ 341,000 | $ 156,000 |
| Lowndes, Mississippi | 1 | $ 356,000 | $ 356,000 | $ 133,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Co. in 2016
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 | 26 | $1,542,000 | $59,000 | $143,000 | $64,000 | $256,000 |
| Refinancing | 13 | $1,728,000 | $132,000 | $356,000 | $77,000 | $171,000 |
| Home Improvement | 11 | $807,000 | $73,000 | $341,000 | $50,000 | $156,000 |
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 | 26 | $2,588,000 | $99,000 | $356,000 | $99,000 | $256,000 |
| Black or African American | 17 | $967,000 | $56,000 | $208,000 | $38,000 | $79,000 |
| Not applicable | 7 | $522,000 | $74,000 | $250,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 50 | $4,077,000 | $81,000 | $356,000 | $64,000 | $256,000 |
| 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 | 37 | $3,393,000 | $91,000 | $356,000 | $66,000 | $256,000 |
| Application Withdrawn By Applicant | 7 | $385,000 | $55,000 | $143,000 | $85,000 | $230,000 |
| Application Denied By Financial Institution | 6 | $299,000 | $49,000 | $89,000 | $28,000 | $57,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 5 | $251,000 | $50,000 | $89,000 | $22,000 | $47,000 |
| Collateral | 1 | $48,000 | $48,000 | $48,000 | $57,000 | $57,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 2016 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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