Citizens Bank & Trust Co. Mortgage Lending & HMDA Data, 2009
In 2009, Citizens Bank & Trust Co. of Blackstone, VA reported 356 mortgage applications totaling $38.1 million, down 18% from 2008. The average application was for $106,943, and applicants reported an average income of $47,758. 72% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Richmond, VA (90), Lynchburg, VA (3) and Charlottesville, VA (2) (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 | 356 |
| Total Mortgage Loan Application Amount | $38,072,000 |
| Average Mortgage Loan Application Amount | $106,943 |
| Highest Mortgage Loan Application Amount | $2,522,000 |
| Average Applicant Income | $47,758 |
| Highest Applicant Income | $292,000 |
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records Citizens Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 123 | $ 10,873,000 | $ 88,398 | $ 53,000 |
| Lunenburg, Virginia | 32 | $ 2,044,000 | $ 63,875 | $ 35,000 |
| Prince Edward, Virginia | 32 | $ 3,765,000 | $ 117,656 | $ 63,000 |
| Cumberland, Virginia | 28 | $ 1,587,000 | $ 56,678 | $ 40,000 |
| Charlotte, Virginia | 25 | $ 1,178,000 | $ 47,120 | $ 41,000 |
| Amelia, Virginia | 19 | $ 1,148,000 | $ 60,421 | $ 44,000 |
| Mecklenburg, Virginia | 17 | $ 1,797,000 | $ 105,705 | $ 48,000 |
| Dinwiddie, Virginia | 14 | $ 978,000 | $ 69,857 | $ 47,000 |
| Brunswick, Virginia | 9 | $ 827,000 | $ 91,888 | $ 47,000 |
| Chesterfield, Virginia | 6 | $ 1,718,000 | $ 286,333 | $ 43,000 |
| Petersburg, Virginia | 6 | $ 852,000 | $ 142,000 | $ 45,000 |
| Richmond City, Virginia | 6 | $ 2,834,000 | $ 472,333 | $ 10,000 |
| Buckingham, Virginia | 4 | $ 3,059,000 | $ 764,750 | $ 61,000 |
| Appomattox, Virginia | 3 | $ 130,000 | $ 43,333 | $ 28,000 |
| Colonial Heights, Virginia | 3 | $ 464,000 | $ 154,666 | $ 39,000 |
| Greensville, Virginia | 3 | $ 332,000 | $ 110,666 | $ 83,000 |
| Hopewell, Virginia | 3 | $ 313,000 | $ 104,333 | $ 13,000 |
| Prince George, Virginia | 3 | $ 806,000 | $ 268,666 | $ 14,000 |
| Warren, North Carolina | 2 | $ 284,000 | $ 142,000 | $ 69,000 |
| Coffee, Tennessee | 2 | $ 6,000 | $ 3,000 | $ 43,000 |
| Dare, North Carolina | 1 | $ 275,000 | $ 275,000 | $ 35,000 |
| Halifax, North Carolina | 1 | $ 60,000 | $ 60,000 | $ 34,000 |
| Albemarle, Virginia | 1 | $ 223,000 | $ 223,000 | $ 76,000 |
| Emporia, Virginia | 1 | $ 62,000 | $ 62,000 | $ 19,000 |
| Halifax, Virginia | 1 | $ 102,000 | $ 102,000 | $ 70,000 |
| Hanover, Virginia | 1 | $ 308,000 | $ 308,000 | $ 79,000 |
| Henrico, Virginia | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Mathews, Virginia | 1 | $ 975,000 | $ 975,000 | $ 140,000 |
| Nelson, Virginia | 1 | $ 174,000 | $ 174,000 | $ 150,000 |
| Spotsylvania, Virginia | 1 | $ 125,000 | $ 125,000 | $ 157,000 |
| Surry, Virginia | 1 | $ 177,000 | $ 177,000 | $ 42,000 |
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 | 131 | $21,528,000 | $164,000 | $2,522,000 | $54,000 | $219,000 |
| Home Improvement | 119 | $3,058,000 | $25,000 | $425,000 | $38,000 | $120,000 |
| Home Purchase | 106 | $13,486,000 | $127,000 | $1,280,000 | $51,000 | $292,000 |
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 | 241 | $23,813,000 | $98,000 | $1,200,000 | $55,000 | $219,000 |
| Black or African American | 77 | $4,487,000 | $58,000 | $250,000 | $41,000 | $184,000 |
| Not applicable | 26 | $8,799,000 | $338,000 | $2,522,000 | $0 | $0 |
| Not Provided | 6 | $258,000 | $43,000 | $110,000 | $35,000 | $62,000 |
| Asian | 3 | $620,000 | $206,000 | $276,000 | $128,000 | $292,000 |
| Hispanic | 2 | $67,000 | $33,000 | $55,000 | $35,000 | $36,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $28,000 | $28,000 | $28,000 | $54,000 | $54,000 |
| American Indian or Alaskan Native | 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) | 354 | $37,814,000 | $106,000 | $2,522,000 | $48,000 | $292,000 |
| VA-guaranteed (Veterans Administration) | 2 | $258,000 | $129,000 | $178,000 | $76,000 | $108,000 |
| 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 |
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 | 258 | $26,725,000 | $103,000 | $2,522,000 | $48,000 | $292,000 |
| Application Denied By Financial Institution | 75 | $9,176,000 | $122,000 | $1,200,000 | $47,000 | $212,000 |
| Application Approved But Not Accepted | 11 | $772,000 | $70,000 | $160,000 | $43,000 | $76,000 |
| Application Withdrawn By Applicant | 6 | $761,000 | $126,000 | $467,000 | $82,000 | $196,000 |
| Preapproval Approved but not Accepted | 4 | $417,000 | $104,000 | $159,000 | $44,000 | $77,000 |
| Preapproval Denied by Financial Institution | 1 | $65,000 | $65,000 | $65,000 | $12,000 | $12,000 |
| File Closed For Incompleteness | 1 | $156,000 | $156,000 | $156,000 | $44,000 | $44,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Unverifiable Information | 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.
For a list of all lenders in Virginia, download the full spreadsheet
with aggregated HMDA statistics today.
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