Citizens Bank & Trust Co. Mortgage Lending & HMDA Data, 2022
In 2022, Citizens Bank & Trust Co. of Blackstone, VA reported 190 mortgage applications totaling $38.1 million, up 30% from 2021. The average application was for $200,578, and applicants reported an average income of $96,526. 86% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Richmond, VA (73), Lynchburg, VA (3) 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 | 190 |
| Total Mortgage Loan Application Amount | $38,110,000 |
| Average Mortgage Loan Application Amount | $200,578 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $96,526 |
| Highest Applicant Income | $514,000 |
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records Citizens Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 38 | $ 5,330,000 | $ 140,263 | $ 89,000 |
| Prince Edward, Virginia | 22 | $ 3,200,000 | $ 145,454 | $ 68,000 |
| Amelia, Virginia | 18 | $ 3,760,000 | $ 208,888 | $ 115,000 |
| Mecklenburg, Virginia | 15 | $ 1,815,000 | $ 121,000 | $ 71,000 |
| Lunenburg, Virginia | 13 | $ 1,055,000 | $ 81,153 | $ 48,000 |
| Chesterfield, Virginia | 9 | $ 2,325,000 | $ 258,333 | $ 147,000 |
| Powhatan, Virginia | 9 | $ 2,105,000 | $ 233,888 | $ 128,000 |
| Prince George, Virginia | 9 | $ 4,585,000 | $ 509,444 | $ 168,000 |
| Richmond City, Virginia | 8 | $ 1,340,000 | $ 167,500 | $ 0 |
| Cumberland, Virginia | 6 | $ 1,600,000 | $ 266,666 | $ 134,000 |
| Hopewell, Virginia | 6 | $ 3,400,000 | $ 566,666 | $ 0 |
| Brunswick, Virginia | 5 | $ 1,185,000 | $ 237,000 | $ 107,000 |
| Buckingham, Virginia | 4 | $ 580,000 | $ 145,000 | $ 56,000 |
| Colonial Heights, Virginia | 4 | $ 1,450,000 | $ 362,500 | $ 167,000 |
| Goochland, Virginia | 3 | $ 875,000 | $ 291,666 | $ 109,000 |
| Louisa, Virginia | 3 | $ 735,000 | $ 245,000 | $ 83,000 |
| Appomattox, Virginia | 2 | $ 90,000 | $ 45,000 | $ 57,000 |
| Charlotte, Virginia | 2 | $ 90,000 | $ 45,000 | $ 33,000 |
| Dinwiddie, Virginia | 2 | $ 400,000 | $ 200,000 | $ 102,000 |
| Henrico, Virginia | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Petersburg, Virginia | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Dare, North Carolina | 1 | $ 405,000 | $ 405,000 | $ 514,000 |
| Amherst, Virginia | 1 | $ 205,000 | $ 205,000 | $ 83,000 |
| Charles City, Virginia | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Danville, Virginia | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Nelson, Virginia | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Roanoke City, Virginia | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Spotsylvania, Virginia | 1 | $ 295,000 | $ 295,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Co. in 2022
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 | 130 | $30,040,000 | $231,000 | $2,005,000 | $104,000 | $514,000 |
| Refinancing | 43 | $6,355,000 | $147,000 | $645,000 | $69,000 | $176,000 |
| Home Improvement | 17 | $1,715,000 | $100,000 | $305,000 | $109,000 | $406,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 103 | $19,225,000 | $186,000 | $925,000 | $107,000 | $514,000 |
| Not applicable | 54 | $13,890,000 | $257,000 | $2,005,000 | $0 | $0 |
| Black or African American | 23 | $3,795,000 | $165,000 | $645,000 | $70,000 | $163,000 |
| Hispanic | 5 | $515,000 | $103,000 | $185,000 | $46,000 | $95,000 |
| Not Provided | 3 | $435,000 | $145,000 | $355,000 | $56,000 | $75,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $225,000 | $225,000 | $225,000 | $54,000 | $54,000 |
| American Indian or Alaskan Native | 1 | $25,000 | $25,000 | $25,000 | $34,000 | $34,000 |
| 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) | 190 | $38,110,000 | $200,000 | $2,005,000 | $96,000 | $514,000 |
| 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 | 164 | $33,670,000 | $205,000 | $2,005,000 | $102,000 | $514,000 |
| Application Denied By Financial Institution | 14 | $2,250,000 | $160,000 | $385,000 | $62,000 | $144,000 |
| Application Approved But Not Accepted | 8 | $940,000 | $117,000 | $355,000 | $65,000 | $130,000 |
| Application Withdrawn By Applicant | 3 | $605,000 | $201,000 | $375,000 | $77,000 | $100,000 |
| File Closed For Incompleteness | 1 | $645,000 | $645,000 | $645,000 | $227,000 | $227,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 190 | $38,110,000 | $200,000 | $2,005,000 | $96,000 | $514,000 |
| 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 |
| Not applicable | 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank & Trust Co.'s 2022 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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