Citizens Bank & Trust Co. Mortgage Lending & HMDA Data, 2011
In 2011, Citizens Bank & Trust Co. of Springhill, LA reported 66 mortgage applications totaling $5.2 million. The average application was for $78,803, and applicants reported an average income of $62,000. 68% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Shreveport-Bossier City, LA (10) and Baton Rouge, LA (1).
| Mortgage Company & Address | Citizens Bank & Trust Co. Po Box 760, 106 South Main Street Springhill, LA 71075 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 |
| Total Number of Mortgage Applications | 66 |
| Total Mortgage Loan Application Amount | $5,201,000 |
| Average Mortgage Loan Application Amount | $78,803 |
| Highest Mortgage Loan Application Amount | $468,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $305,000 |
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records Citizens Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Co. in 2011
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 | 34 | $2,374,000 | $69,000 | $223,000 | $68,000 | $271,000 |
| Refinancing | 20 | $2,281,000 | $114,000 | $468,000 | $50,000 | $182,000 |
| Home Improvement | 12 | $546,000 | $45,000 | $289,000 | $65,000 | $305,000 |
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 | 47 | $3,616,000 | $76,000 | $373,000 | $76,000 | $305,000 |
| Black or African American | 12 | $376,000 | $31,000 | $60,000 | $41,000 | $118,000 |
| Not applicable | 6 | $1,193,000 | $198,000 | $468,000 | $0 | $0 |
| Asian | 1 | $16,000 | $16,000 | $16,000 | $37,000 | $37,000 |
| American Indian or Alaskan Native | 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 |
| Not Provided | 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 | $5,201,000 | $78,000 | $468,000 | $62,000 | $305,000 |
| 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 | 45 | $4,223,000 | $93,000 | $468,000 | $66,000 | $305,000 |
| Application Denied By Financial Institution | 16 | $522,000 | $32,000 | $100,000 | $51,000 | $196,000 |
| Application Approved But Not Accepted | 5 | $456,000 | $91,000 | $223,000 | $65,000 | $141,000 |
| Application Withdrawn By Applicant | 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 |
|---|---|---|---|---|---|---|
| Credit History | 14 | $499,000 | $35,000 | $100,000 | $55,000 | $196,000 |
| Debt-To-Income Ratio | 2 | $23,000 | $11,000 | $16,000 | $23,000 | $37,000 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank & Trust Co.'s 2011 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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