Citizens Bank & Trust Co. Mortgage Lending & HMDA Data, 2015
In 2015, Citizens Bank & Trust Co. of Marks, MS reported 66 mortgage applications totaling $7.2 million, down 3% from 2014. The average application was for $109,075, and applicants reported an average income of $93,212. 80% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Memphis, TN-MS-AR (16) and Jackson, MS (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 | 66 |
| Total Mortgage Loan Application Amount | $7,199,000 |
| Average Mortgage Loan Application Amount | $109,075 |
| Highest Mortgage Loan Application Amount | $751,000 |
| Average Applicant Income | $93,212 |
| Highest Applicant Income | $596,000 |
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records Citizens Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 16 | $ 1,463,000 | $ 91,437 | $ 112,000 |
| Jackson, MS | 1 | $ 166,000 | $ 166,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Co. in 2015
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 | $3,514,000 | $117,000 | $504,000 | $96,000 | $406,000 |
| Refinancing | 20 | $2,418,000 | $120,000 | $577,000 | $118,000 | $596,000 |
| Home Improvement | 16 | $1,267,000 | $79,000 | $751,000 | $57,000 | $369,000 |
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 | 34 | $5,367,000 | $157,000 | $751,000 | $139,000 | $596,000 |
| Black or African American | 29 | $1,192,000 | $41,000 | $109,000 | $50,000 | $180,000 |
| Not applicable | 3 | $640,000 | $213,000 | $315,000 | $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) | 66 | $7,199,000 | $109,000 | $751,000 | $94,000 | $596,000 |
| 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 | 53 | $6,572,000 | $124,000 | $751,000 | $105,000 | $596,000 |
| Application Denied By Financial Institution | 12 | $478,000 | $39,000 | $92,000 | $40,000 | $180,000 |
| Application Withdrawn By Applicant | 1 | $149,000 | $149,000 | $149,000 | $143,000 | $143,000 |
| 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 | 6 | $185,000 | $30,000 | $72,000 | $50,000 | $180,000 |
| Debt-To-Income Ratio | 3 | $160,000 | $53,000 | $92,000 | $18,000 | $24,000 |
| Other | 2 | $45,000 | $22,000 | $30,000 | $50,000 | $70,000 |
| Collateral | 1 | $88,000 | $88,000 | $88,000 | $33,000 | $33,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2015 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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