Citizens Bank & Trust Co. Mortgage Lending & HMDA Data, 2010
In 2010, Citizens Bank & Trust Co. of Blackstone, VA reported 331 mortgage applications totaling $21.5 million, down 7% from 2009. The average application was for $65,066, and applicants reported an average income of $48,558. 61% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Richmond, VA (95), Lynchburg, VA (3) and Virginia Beach-Norfolk-Newport News, VA-NC (3) (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 | 331 |
| Total Mortgage Loan Application Amount | $21,537,000 |
| Average Mortgage Loan Application Amount | $65,066 |
| Highest Mortgage Loan Application Amount | $323,000 |
| Average Applicant Income | $48,558 |
| Highest Applicant Income | $313,000 |
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records Citizens Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2010
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 | 134 | $12,152,000 | $90,000 | $323,000 | $52,000 | $313,000 |
| Home Improvement | 117 | $2,410,000 | $20,000 | $297,000 | $45,000 | $174,000 |
| Refinancing | 80 | $6,975,000 | $87,000 | $268,000 | $48,000 | $118,000 |
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 | 221 | $15,251,000 | $69,000 | $323,000 | $53,000 | $313,000 |
| Black or African American | 82 | $4,028,000 | $49,000 | $235,000 | $43,000 | $164,000 |
| Not applicable | 16 | $1,263,000 | $78,000 | $210,000 | $5,000 | $80,000 |
| Hispanic | 5 | $439,000 | $87,000 | $150,000 | $36,000 | $67,000 |
| Not Provided | 4 | $183,000 | $45,000 | $84,000 | $44,000 | $85,000 |
| Asian | 2 | $343,000 | $171,000 | $297,000 | $156,000 | $156,000 |
| American Indian or Alaskan Native | 1 | $30,000 | $30,000 | $30,000 | $10,000 | $10,000 |
| 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) | 331 | $21,537,000 | $65,000 | $323,000 | $48,000 | $313,000 |
| 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 | 202 | $11,007,000 | $54,000 | $297,000 | $51,000 | $246,000 |
| Application Denied By Financial Institution | 95 | $7,421,000 | $78,000 | $268,000 | $41,000 | $100,000 |
| Application Approved But Not Accepted | 27 | $2,286,000 | $84,000 | $300,000 | $64,000 | $313,000 |
| Application Withdrawn By Applicant | 5 | $669,000 | $133,000 | $323,000 | $37,000 | $104,000 |
| File Closed For Incompleteness | 2 | $154,000 | $77,000 | $88,000 | $19,000 | $39,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2010 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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