Citizens Bank & Trust Co. Mortgage Lending & HMDA Data, 2012
In 2012, Citizens Bank & Trust Co. of Blackstone, VA reported 249 mortgage applications totaling $22.1 million, down 7% from 2011. The average application was for $88,570, and applicants reported an average income of $61,795. 69% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Richmond, VA (87), Lynchburg, VA (2) 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 | 249 |
| Total Mortgage Loan Application Amount | $22,054,000 |
| Average Mortgage Loan Application Amount | $88,570 |
| Highest Mortgage Loan Application Amount | $1,731,000 |
| Average Applicant Income | $61,795 |
| Highest Applicant Income | $651,000 |
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records Citizens Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 64 | $ 3,945,000 | $ 61,640 | $ 57,000 |
| Prince Edward, Virginia | 45 | $ 2,515,000 | $ 55,888 | $ 44,000 |
| Amelia, Virginia | 26 | $ 1,625,000 | $ 62,500 | $ 50,000 |
| Buckingham, Virginia | 14 | $ 1,208,000 | $ 86,285 | $ 43,000 |
| Cumberland, Virginia | 12 | $ 1,047,000 | $ 87,250 | $ 106,000 |
| Lunenburg, Virginia | 11 | $ 493,000 | $ 44,818 | $ 51,000 |
| Chesterfield, Virginia | 10 | $ 1,117,000 | $ 111,700 | $ 119,000 |
| Mecklenburg, Virginia | 10 | $ 2,672,000 | $ 267,200 | $ 63,000 |
| Dinwiddie, Virginia | 9 | $ 670,000 | $ 74,444 | $ 73,000 |
| Richmond City, Virginia | 9 | $ 1,158,000 | $ 128,666 | $ 37,000 |
| Colonial Heights, Virginia | 7 | $ 986,000 | $ 140,857 | $ 74,000 |
| Hopewell, Virginia | 6 | $ 1,240,000 | $ 206,666 | $ 46,000 |
| Charlotte, Virginia | 4 | $ 358,000 | $ 89,500 | $ 48,000 |
| Prince George, Virginia | 3 | $ 925,000 | $ 308,333 | $ 189,000 |
| Dare, North Carolina | 2 | $ 750,000 | $ 375,000 | $ 97,000 |
| Georgetown, South Carolina | 2 | $ 150,000 | $ 75,000 | $ 82,000 |
| Brunswick, Virginia | 2 | $ 84,000 | $ 42,000 | $ 36,000 |
| Henrico, Virginia | 2 | $ 68,000 | $ 34,000 | $ 75,000 |
| Petersburg, Virginia | 2 | $ 60,000 | $ 30,000 | $ 62,000 |
| St. Louis, Missouri | 1 | $ 200,000 | $ 200,000 | $ 116,000 |
| Durham, North Carolina | 1 | $ 1,000 | $ 1,000 | $ 75,000 |
| Warren, North Carolina | 1 | $ 303,000 | $ 303,000 | $ 294,000 |
| Appomattox, Virginia | 1 | $ 35,000 | $ 35,000 | $ 91,000 |
| Bedford, Virginia | 1 | $ 118,000 | $ 118,000 | $ 42,000 |
| Charlottesville, Virginia | 1 | $ 75,000 | $ 75,000 | $ 83,000 |
| Greensville, Virginia | 1 | $ 127,000 | $ 127,000 | $ 34,000 |
| Lancaster, Virginia | 1 | $ 111,000 | $ 111,000 | $ 134,000 |
| Sussex, Virginia | 1 | $ 13,000 | $ 13,000 | $ 22,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Co. in 2012
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 | 99 | $9,879,000 | $99,000 | $600,000 | $59,000 | $314,000 |
| Home Improvement | 84 | $2,387,000 | $28,000 | $200,000 | $61,000 | $651,000 |
| Refinancing | 66 | $9,788,000 | $148,000 | $1,731,000 | $67,000 | $541,000 |
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 | 170 | $13,771,000 | $81,000 | $625,000 | $68,000 | $651,000 |
| Black or African American | 50 | $2,583,000 | $51,000 | $192,000 | $54,000 | $285,000 |
| Not applicable | 19 | $4,948,000 | $260,000 | $1,731,000 | $0 | $0 |
| Not Provided | 6 | $507,000 | $84,000 | $185,000 | $141,000 | $314,000 |
| Hispanic | 2 | $130,000 | $65,000 | $68,000 | $46,000 | $73,000 |
| American Indian or Alaskan Native | 2 | $115,000 | $57,000 | $59,000 | $61,000 | $62,000 |
| Asian | 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) | 249 | $22,054,000 | $88,000 | $1,731,000 | $62,000 | $651,000 |
| 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 | 171 | $15,153,000 | $88,000 | $1,731,000 | $63,000 | $651,000 |
| Application Denied By Financial Institution | 53 | $4,073,000 | $76,000 | $405,000 | $44,000 | $148,000 |
| Application Approved But Not Accepted | 13 | $795,000 | $61,000 | $240,000 | $63,000 | $258,000 |
| Application Withdrawn By Applicant | 12 | $2,033,000 | $169,000 | $625,000 | $113,000 | $541,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2012 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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