Citizens Bank & Trust Co. Mortgage Lending & HMDA Data, 2003
In 2003, Citizens Bank & Trust Co. of Marks, MS reported 115 mortgage applications totaling $5.2 million. The average application was for $45,382, and applicants reported an average income of $56,339. 72% of its applications resulted in an originated loan and 23% were denied.
| 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 | 115 |
| Total Mortgage Loan Application Amount | $5,219,000 |
| Average Mortgage Loan Application Amount | $45,382 |
| Highest Mortgage Loan Application Amount | $232,000 |
| Average Applicant Income | $56,339 |
| Highest Applicant Income | $720,000 |
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records Citizens Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Co. in 2003
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 (one-to-four family) | 52 | $2,276,000 | $43,000 | $232,000 | $45,000 | $175,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 43 | $2,440,000 | $56,000 | $200,000 | $73,000 | $720,000 |
| Home Improvement (one-to-four family) | 20 | $503,000 | $25,000 | $144,000 | $50,000 | $222,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 74 | $3,808,000 | $51,000 | $232,000 | $66,000 | $720,000 |
| Black | 40 | $1,401,000 | $35,000 | $140,000 | $43,000 | $175,000 |
| Not applicable | 1 | $10,000 | $10,000 | $10,000 | $40,000 | $40,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or Pacific Islander | 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) | 115 | $5,219,000 | $45,000 | $232,000 | $55,000 | $720,000 |
| 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 | 83 | $3,998,000 | $48,000 | $232,000 | $71,000 | $720,000 |
| Application Denied By Financial Institution | 27 | $1,034,000 | $38,000 | $120,000 | $39,000 | $175,000 |
| Application Withdrawn By Applicant | 5 | $187,000 | $37,000 | $140,000 | $28,000 | $56,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 15 | $461,000 | $30,000 | $120,000 | $27,000 | $175,000 |
| Debt-To-Income Ratio | 4 | $209,000 | $52,000 | $76,000 | $25,000 | $58,000 |
| Collateral | 1 | $95,000 | $95,000 | $95,000 | $45,000 | $45,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $113,000 | $113,000 | $113,000 | $73,000 | $73,000 |
| Other | 1 | $14,000 | $14,000 | $14,000 | $11,000 | $11,000 |
| Unverifiable Information | 1 | $25,000 | $25,000 | $25,000 | $143,000 | $143,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank & Trust Co.'s 2003 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.
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