Citizens Bank & Trust Co. Mortgage Lending & HMDA Data, 2009
In 2009, Citizens Bank & Trust Co. of Marks, MS reported 93 mortgage applications totaling $9.0 million, down 6% from 2008. The average application was for $96,559, and applicants reported an average income of $119,225. 89% of its applications resulted in an originated loan and 10% 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 | 93 |
| Total Mortgage Loan Application Amount | $8,980,000 |
| Average Mortgage Loan Application Amount | $96,559 |
| Highest Mortgage Loan Application Amount | $518,000 |
| Average Applicant Income | $119,225 |
| Highest Applicant Income | $1,414,000 |
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records Citizens Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Memphis, TN-MS-AR | 22 | $ 1,602,000 | $ 72,818 | $ 95,090 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Co. in 2009
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 | 46 | $6,261,000 | $136,000 | $518,000 | $163,000 | $1,414,000 |
| Home Purchase | 36 | $2,507,000 | $69,000 | $402,000 | $71,000 | $601,000 |
| Home Improvement | 11 | $212,000 | $19,000 | $25,000 | $94,000 | $300,000 |
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 | 71 | $7,435,000 | $104,000 | $518,000 | $125,000 | $1,414,000 |
| Black or African American | 19 | $1,119,000 | $58,000 | $422,000 | $66,000 | $680,000 |
| Not applicable | 3 | $426,000 | $142,000 | $186,000 | $320,000 | $590,000 |
| 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) | 93 | $8,980,000 | $96,000 | $518,000 | $120,000 | $1,414,000 |
| 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 | $8,647,000 | $104,000 | $518,000 | $131,000 | $1,414,000 |
| Application Denied By Financial Institution | 9 | $296,000 | $32,000 | $80,000 | $22,000 | $71,000 |
| Application Withdrawn By Applicant | 1 | $37,000 | $37,000 | $37,000 | $31,000 | $31,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 5 | $165,000 | $33,000 | $56,000 | $29,000 | $71,000 |
| Debt-To-Income Ratio | 3 | $125,000 | $41,000 | $80,000 | $15,000 | $23,000 |
| Unverifiable Information | 1 | $6,000 | $6,000 | $6,000 | $6,000 | $6,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank & Trust Co.'s 2009 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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with aggregated HMDA statistics today.
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