Citizens Bank & Trust Co. Mortgage Lending & HMDA Data, 2018
In 2018, Citizens Bank & Trust Co. of Marks, MS reported 44 mortgage applications totaling $3.5 million, up 13% from 2017. The average application was for $80,227, and applicants reported an average income of $102,340. 75% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Memphis, TN-MS-AR (6) and Huntsville, AL (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 | 44 |
| Total Mortgage Loan Application Amount | $3,530,000 |
| Average Mortgage Loan Application Amount | $80,227 |
| Highest Mortgage Loan Application Amount | $395,000 |
| Average Applicant Income | $102,340 |
| Highest Applicant Income | $565,000 |
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records Citizens Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 17 | $ 785,000 | $ 46,176 | $ 97,000 |
| Panola, Mississippi | 12 | $ 1,300,000 | $ 108,333 | $ 99,000 |
| Tallahatchie, Mississippi | 4 | $ 260,000 | $ 65,000 | $ 45,000 |
| Tunica, Mississippi | 3 | $ 85,000 | $ 28,333 | $ 65,000 |
| Tate, Mississippi | 2 | $ 370,000 | $ 185,000 | $ 162,000 |
| Madison, Alabama | 1 | $ 165,000 | $ 165,000 | $ 195,000 |
| DeSoto, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 467,000 |
| Grenada, Mississippi | 1 | $ 45,000 | $ 45,000 | $ 55,000 |
| Lafayette, Mississippi | 1 | $ 395,000 | $ 395,000 | $ 89,000 |
| Lee, Mississippi | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Leflore, Mississippi | 1 | $ 35,000 | $ 35,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Co. in 2018
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 | 30 | $2,640,000 | $88,000 | $305,000 | $117,000 | $565,000 |
| Cash-out Refinancing | 6 | $290,000 | $48,000 | $125,000 | $76,000 | $179,000 |
| Home Improvement | 4 | $90,000 | $22,000 | $35,000 | $73,000 | $102,000 |
| Refinancing | 3 | $445,000 | $148,000 | $395,000 | $69,000 | $89,000 |
| Other Purpose | 1 | $65,000 | $65,000 | $65,000 | $38,000 | $38,000 |
| 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 | 24 | $2,270,000 | $94,000 | $395,000 | $130,000 | $565,000 |
| Black or African American | 17 | $1,075,000 | $63,000 | $255,000 | $61,000 | $119,000 |
| Not applicable | 3 | $185,000 | $61,000 | $85,000 | $0 | $0 |
| 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) | 44 | $3,530,000 | $80,000 | $395,000 | $102,000 | $565,000 |
| 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 | 33 | $2,775,000 | $84,000 | $395,000 | $119,000 | $565,000 |
| Application Denied By Financial Institution | 7 | $635,000 | $90,000 | $255,000 | $49,000 | $94,000 |
| Application Withdrawn By Applicant | 2 | $60,000 | $30,000 | $45,000 | $62,000 | $64,000 |
| File Closed For Incompleteness | 2 | $60,000 | $30,000 | $45,000 | $55,000 | $55,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 44 | $3,530,000 | $80,000 | $395,000 | $102,000 | $565,000 |
| 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 Citizens Bank & Trust Co.'s 2018 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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