Citizens Bank & Trust Co. Mortgage Lending & HMDA Data, 2006
In 2006, Citizens Bank & Trust Co. of Blackstone, VA reported 437 mortgage applications totaling $39.7 million, up 16% from 2005. The average application was for $90,855, and applicants reported an average income of $57,528. 83% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Richmond, VA (88), Lynchburg, VA (7) and Charlottesville, VA (1) (applications in parentheses).
| Mortgage Company & Address | Citizens Bank & Trust Co. 126 South Main St. Blackstone, VA 23824 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 437 |
| Total Mortgage Loan Application Amount | $39,704,000 |
| Average Mortgage Loan Application Amount | $90,855 |
| Highest Mortgage Loan Application Amount | $2,040,000 |
| Average Applicant Income | $57,528 |
| Highest Applicant Income | $706,000 |
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records Citizens Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Nottoway, Virginia | 170 | $ 10,155,000 | $ 59,735 | $ 54,000 |
| Prince Edward, Virginia | 87 | $ 6,521,000 | $ 74,954 | $ 47,000 |
| Amelia, Virginia | 36 | $ 4,460,000 | $ 123,888 | $ 67,000 |
| Lunenburg, Virginia | 25 | $ 1,754,000 | $ 70,160 | $ 47,000 |
| Buckingham, Virginia | 22 | $ 2,209,000 | $ 100,409 | $ 38,000 |
| Cumberland, Virginia | 20 | $ 2,185,000 | $ 109,250 | $ 60,000 |
| Charlotte, Virginia | 12 | $ 482,000 | $ 40,166 | $ 53,000 |
| Mecklenburg, Virginia | 8 | $ 1,132,000 | $ 141,500 | $ 72,000 |
| Dinwiddie, Virginia | 6 | $ 196,000 | $ 32,666 | $ 54,000 |
| Richmond City, Virginia | 6 | $ 1,085,000 | $ 180,833 | $ 35,000 |
| Dare, North Carolina | 5 | $ 2,699,000 | $ 539,800 | $ 137,000 |
| Appomattox, Virginia | 5 | $ 1,544,000 | $ 308,800 | $ 57,000 |
| Brunswick, Virginia | 5 | $ 561,000 | $ 112,200 | $ 68,000 |
| Hopewell, Virginia | 4 | $ 596,000 | $ 149,000 | $ 36,000 |
| Chesterfield, Virginia | 3 | $ 534,000 | $ 178,000 | $ 93,000 |
| Petersburg, Virginia | 3 | $ 218,000 | $ 72,666 | $ 117,000 |
| Prince George, Virginia | 3 | $ 421,000 | $ 140,333 | $ 147,000 |
| Goochland, Virginia | 2 | $ 475,000 | $ 237,500 | $ 153,000 |
| Henrico, Virginia | 2 | $ 97,000 | $ 48,500 | $ 60,000 |
| Powhatan, Virginia | 2 | $ 249,000 | $ 124,500 | $ 53,000 |
| Brunswick, North Carolina | 1 | $ 450,000 | $ 450,000 | $ 706,000 |
| Halifax, North Carolina | 1 | $ 435,000 | $ 435,000 | $ 248,000 |
| Bedford, Virginia | 1 | $ 50,000 | $ 50,000 | $ 46,000 |
| Campbell, Virginia | 1 | $ 400,000 | $ 400,000 | $ 105,000 |
| Chesapeake, Virginia | 1 | $ 69,000 | $ 69,000 | $ 37,000 |
| Colonial Heights, Virginia | 1 | $ 231,000 | $ 231,000 | $ 31,000 |
| Fluvanna, Virginia | 1 | $ 88,000 | $ 88,000 | $ 85,000 |
| Halifax, Virginia | 1 | $ 112,000 | $ 112,000 | $ 23,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Co. in 2006
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 | 148 | $15,881,000 | $107,000 | $468,000 | $59,000 | $365,000 |
| Home Improvement | 147 | $3,400,000 | $23,000 | $217,000 | $44,000 | $164,000 |
| Refinancing | 142 | $20,423,000 | $143,000 | $2,040,000 | $70,000 | $706,000 |
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 | 310 | $27,922,000 | $90,000 | $800,000 | $67,000 | $706,000 |
| Black or African American | 73 | $3,597,000 | $49,000 | $245,000 | $38,000 | $112,000 |
| Not Provided | 29 | $2,154,000 | $74,000 | $149,000 | $40,000 | $85,000 |
| Not applicable | 19 | $5,373,000 | $282,000 | $2,040,000 | $17,000 | $248,000 |
| Hispanic | 5 | $362,000 | $72,000 | $153,000 | $34,000 | $48,000 |
| Asian | 1 | $296,000 | $296,000 | $296,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other 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) | 437 | $39,704,000 | $90,000 | $2,040,000 | $57,000 | $706,000 |
| 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 | 362 | $33,488,000 | $92,000 | $2,040,000 | $60,000 | $706,000 |
| Application Denied By Financial Institution | 57 | $4,487,000 | $78,000 | $375,000 | $44,000 | $240,000 |
| Application Withdrawn By Applicant | 17 | $1,625,000 | $95,000 | $178,000 | $44,000 | $112,000 |
| Application Approved But Not Accepted | 1 | $104,000 | $104,000 | $104,000 | $58,000 | $58,000 |
| 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 | 33 | $2,227,000 | $67,000 | $200,000 | $48,000 | $240,000 |
| Debt-To-Income Ratio | 18 | $1,611,000 | $89,000 | $375,000 | $35,000 | $85,000 |
| Employment History | 2 | $115,000 | $57,000 | $90,000 | $28,000 | $30,000 |
| Collateral | 2 | $357,000 | $178,000 | $337,000 | $103,000 | $137,000 |
| Other | 2 | $177,000 | $88,000 | $175,000 | $31,000 | $45,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2006 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 Virginia, download the full spreadsheet
with aggregated HMDA statistics today.
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