Citizens Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Citizens Bank And Trust Company 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Citizens Bank And Trust Company 7553 Nw Barry Road Kansas City, MO 64153 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,215 |
| Total Mortgage Loan Application Amount | $132,228,000 |
| Average Mortgage Loan Application Amount | $179,326 |
| Highest Mortgage Loan Application Amount | $3,310,000 |
| Average Applicant Income | $9,632 |
| Highest Applicant Income | $540,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Citizens Bank And Trust Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Citizens Bank And Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Citizens Bank And Trust Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Citizens Bank And Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by Citizens Bank And Trust Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Citizens Bank And Trust Company's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Boone County Missouri | 153 | $ 29,801,000 | $ 194,000 | $ 46,000 |
| Nodaway County Missouri | 136 | $ 10,736,000 | $ 78,000 | $ 33,000 |
| Randolph County Missouri | 102 | $ 6,592,000 | $ 64,000 | $ 77,000 |
| Grundy County Missouri | 96 | $ 4,446,000 | $ 46,000 | $ 25,000 |
| Livingston County Missouri | 91 | $ 6,593,000 | $ 72,000 | $ 51,000 |
| Macon County Missouri | 76 | $ 5,349,000 | $ 70,000 | $ 30,000 |
| Cooper County Missouri | 66 | $ 4,374,000 | $ 66,000 | $ 34,000 |
| Linn County Missouri | 48 | $ 2,428,000 | $ 50,000 | $ 35,000 |
| Clay County Missouri | 37 | $ 5,768,000 | $ 155,000 | $ 70,000 |
| Buchanan County Missouri | 30 | $ 2,846,000 | $ 94,000 | $ 69,000 |
| Chariton County Missouri | 26 | $ 992,000 | $ 38,000 | $ 43,000 |
| Greene County Missouri | 24 | $ 3,268,000 | $ 136,000 | $ 0 |
| Gentry County Missouri | 20 | $ 995,000 | $ 49,000 | $ 28,000 |
| Andrew County Missouri | 17 | $ 1,727,000 | $ 101,000 | $ 59,000 |
| Laclede County Missouri | 16 | $ 1,241,000 | $ 77,000 | $ 0 |
| Howard County Missouri | 14 | $ 661,000 | $ 47,000 | $ 37,000 |
| Cook County Illinois | 12 | $ 2,430,000 | $ 202,000 | $ 0 |
| DeKalb County Missouri | 8 | $ 417,000 | $ 52,000 | $ 51,000 |
| Daviess County Missouri | 7 | $ 516,000 | $ 73,000 | $ 41,000 |
| Dallas County Texas | 7 | $ 8,205,000 | $ 1,172,000 | $ 0 |
| Christian County Missouri | 6 | $ 813,000 | $ 135,000 | $ 0 |
| Clinton County Missouri | 6 | $ 569,000 | $ 94,000 | $ 40,000 |
| Jackson County Missouri | 6 | $ 815,000 | $ 135,000 | $ 32,000 |
| Platte County Missouri | 6 | $ 1,715,000 | $ 285,000 | $ 81,000 |
| Saline County Missouri | 6 | $ 228,000 | $ 38,000 | $ 41,000 |
| Los Angeles County California | 5 | $ 1,470,000 | $ 294,000 | $ 0 |
| Harrison County Missouri | 5 | $ 327,000 | $ 65,000 | $ 46,000 |
| Monroe County Missouri | 5 | $ 587,000 | $ 117,000 | $ 33,000 |
| DuPage County Illinois | 4 | $ 732,000 | $ 183,000 | $ 0 |
| Will County Illinois | 4 | $ 763,000 | $ 190,000 | $ 0 |
| Johnson County Kansas | 4 | $ 527,000 | $ 131,000 | $ 48,000 |
| Pettis County Missouri | 4 | $ 411,000 | $ 102,000 | $ 38,000 |
| Shelby County Missouri | 4 | $ 453,000 | $ 113,000 | $ 44,000 |
| Wake County North Carolina | 4 | $ 573,000 | $ 143,000 | $ 0 |
| Allegheny County Pennsylvania | 4 | $ 161,000 | $ 40,000 | $ 0 |
| Greenville County South Carolina | 4 | $ 583,000 | $ 145,000 | $ 0 |
| Camden County Missouri | 3 | $ 254,000 | $ 84,000 | $ 0 |
| Cole County Missouri | 3 | $ 325,000 | $ 108,000 | $ 36,000 |
| Sullivan County Missouri | 3 | $ 110,000 | $ 36,000 | $ 10,000 |
| Mecklenburg County North Carolina | 3 | $ 776,000 | $ 258,000 | $ 0 |
| Maricopa County Arizona | 2 | $ 443,000 | $ 221,000 | $ 0 |
| Orange County California | 2 | $ 705,000 | $ 352,000 | $ 0 |
| Riverside County California | 2 | $ 263,000 | $ 131,000 | $ 0 |
| San Bernardino County California | 2 | $ 513,000 | $ 256,000 | $ 0 |
| Broward County Florida | 2 | $ 189,000 | $ 94,000 | $ 0 |
| White County Indiana | 2 | $ 136,000 | $ 68,000 | $ 0 |
| Washington County Minnesota | 2 | $ 526,000 | $ 263,000 | $ 0 |
| Audrain County Missouri | 2 | $ 164,000 | $ 82,000 | $ 12,000 |
| Caldwell County Missouri | 2 | $ 85,000 | $ 42,000 | $ 44,000 |
| Carroll County Missouri | 2 | $ 153,000 | $ 76,000 | $ 79,000 |
| Johnson County Missouri | 2 | $ 253,000 | $ 126,000 | $ 89,000 |
| Lafayette County Missouri | 2 | $ 165,000 | $ 82,000 | $ 46,000 |
| Mercer County Missouri | 2 | $ 29,000 | $ 14,000 | $ 32,000 |
| Moniteau County Missouri | 2 | $ 252,000 | $ 126,000 | $ 18,000 |
| Morgan County Missouri | 2 | $ 120,000 | $ 60,000 | $ 10,000 |
| Polk County Missouri | 2 | $ 128,000 | $ 64,000 | $ 0 |
| Ray County Missouri | 2 | $ 90,000 | $ 45,000 | $ 29,000 |
| St. Charles County Missouri | 2 | $ 331,000 | $ 165,000 | $ 68,000 |
| St. Louis County Missouri | 2 | $ 266,000 | $ 133,000 | $ 0 |
| Stone County Missouri | 2 | $ 121,000 | $ 60,000 | $ 0 |
| Texas County Missouri | 2 | $ 196,000 | $ 98,000 | $ 0 |
| Worth County Missouri | 2 | $ 29,000 | $ 14,000 | $ 16,000 |
| Atlantic County New Jersey | 2 | $ 244,000 | $ 122,000 | $ 0 |
| Durham County North Carolina | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Shelby County Tennessee | 2 | $ 209,000 | $ 104,000 | $ 0 |
| Tarrant County Texas | 2 | $ 695,000 | $ 347,000 | $ 0 |
| Snohomish County Washington | 2 | $ 422,000 | $ 211,000 | $ 0 |
| Apache County Arizona | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Gila County Arizona | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Pinal County Arizona | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Conway County Arkansas | 1 | $ 112,000 | $ 112,000 | $ 0 |
| San Diego County California | 1 | $ 242,000 | $ 242,000 | $ 0 |
| San Joaquin County California | 1 | $ 227,000 | $ 227,000 | $ 0 |
| Jefferson County Colorado | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Larimer County Colorado | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Summit County Colorado | 1 | $ 408,000 | $ 408,000 | $ 304,000 |
| Weld County Colorado | 1 | $ 148,000 | $ 148,000 | $ 0 |
| New Castle County Delaware | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Charlotte County Florida | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Orange County Florida | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Polk County Florida | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Seminole County Florida | 1 | $ 54,000 | $ 54,000 | $ 0 |
| St. Lucie County Florida | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Walton County Florida | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Cobb County Georgia | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Fulton County Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Ada County Idaho | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Kane County Illinois | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Franklin County Indiana | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Howard County Indiana | 1 | $ 88,000 | $ 88,000 | $ 93,000 |
| LaPorte County Indiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Morgan County Indiana | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Black Hawk County Iowa | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Carroll County Iowa | 1 | $ 284,000 | $ 284,000 | $ 500,000 |
| Cerro Gordo County Iowa | 1 | $ 30,000 | $ 30,000 | $ 18,000 |
| Page County Iowa | 1 | $ 30,000 | $ 30,000 | $ 34,000 |
| Wabaunsee County Kansas | 1 | $ 60,000 | $ 60,000 | $ 43,000 |
| Prince George's County Maryland | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Plymouth County Massachusetts | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Suffolk County Massachusetts | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Ingham County Michigan | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Livingston County Michigan | 1 | $ 298,000 | $ 298,000 | $ 0 |
| Macomb County Michigan | 1 | $ 258,000 | $ 258,000 | $ 0 |
| Otsego County Michigan | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Wayne County Michigan | 1 | $ 63,000 | $ 63,000 | $ 0 |
| Adair County Missouri | 1 | $ 71,000 | $ 71,000 | $ 98,000 |
| Atchison County Missouri | 1 | $ 3,000 | $ 3,000 | $ 20,000 |
| Callaway County Missouri | 1 | $ 203,000 | $ 203,000 | $ 0 |
| Dallas County Missouri | 1 | $ 45,000 | $ 45,000 | $ 26,000 |
| Hickory County Missouri | 1 | $ 30,000 | $ 30,000 | $ 52,000 |
| Holt County Missouri | 1 | $ 5,000 | $ 5,000 | $ 39,000 |
| Iron County Missouri | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Jefferson County Missouri | 1 | $ 16,000 | $ 16,000 | $ 72,000 |
| Lawrence County Missouri | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Lincoln County Missouri | 1 | $ 77,000 | $ 77,000 | $ 46,000 |
| Marion County Missouri | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Phelps County Missouri | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Scotland County Missouri | 1 | $ 62,000 | $ 62,000 | $ 32,000 |
| St. Louis City County Missouri | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Taney County Missouri | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Vernon County Missouri | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Warren County Missouri | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Webster County Missouri | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Wright County Missouri | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Douglas County Nebraska | 1 | $ 120,000 | $ 120,000 | $ 32,000 |
| Clark County Nevada | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Beaufort County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Craven County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Onslow County North Carolina | 1 | $ 339,000 | $ 339,000 | $ 0 |
| Greene County Ohio | 1 | $ 326,000 | $ 326,000 | $ 0 |
| Hamilton County Ohio | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Lorain County Ohio | 1 | $ 356,000 | $ 356,000 | $ 0 |
| Josephine County Oregon | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Bucks County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Franklin County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Horry County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Lexington County South Carolina | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Roane County Tennessee | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Sevier County Tennessee | 1 | $ 431,000 | $ 431,000 | $ 0 |
| Cameron County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Ector County Texas | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Grayson County Texas | 1 | $ 574,000 | $ 574,000 | $ 0 |
| Harris County Texas | 1 | $ 458,000 | $ 458,000 | $ 0 |
| Hays County Texas | 1 | $ 776,000 | $ 776,000 | $ 0 |
| Morris County Texas | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Navarro County Texas | 1 | $ 298,000 | $ 298,000 | $ 0 |
| Travis County Texas | 1 | $ 246,000 | $ 246,000 | $ 0 |
| Williamson County Texas | 1 | $ 543,000 | $ 543,000 | $ 0 |
| Summit County Utah | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Chittenden County Vermont | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Cowlitz County Washington | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Kittitas County Washington | 1 | $ 223,000 | $ 223,000 | $ 0 |
| Yakima County Washington | 1 | $ 300,000 | $ 300,000 | $ 0 |
Mortgage Loan Application Detail Totals for Citizens Bank And Trust Company in 2003
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 (home purchase or home improvement, one-to-four family) | 671 | $70,758,000 | $170,040 | $3,310,000 | $4,240 | $233,000 |
| Home Purchase (one-to-four family) | 518 | $45,287,000 | $143,045 | $784,000 | $16,636 | $540,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 26 | $16,183,000 | $694,500 | $2,600,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 829 | $61,363,000 | $217,571 | $800,000 | $75,714 | $304,000 |
| Not applicable | 342 | $58,579,000 | $167,344 | $3,310,000 | $172 | $201,000 |
| Hispanic | 12 | $2,659,000 | $634,333 | $1,592,000 | $70,333 | $188,000 |
| Information not provided by applicant in mail or telephone application | 12 | $7,388,000 | $538,000 | $2,600,000 | $21,000 | $112,000 |
| Black | 9 | $747,000 | $83,000 | $398,000 | $40,000 | $150,000 |
| Asian or Pacific Islander | 5 | $608,000 | $121,000 | $213,000 | $177,000 | $540,000 |
| American Indian or Alaskan Native | 3 | $397,000 | $132,000 | $244,000 | $57,000 | $81,000 |
| Other | 3 | $487,000 | $192,500 | $284,000 | $281,500 | $500,000 |
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) | 1,214 | $132,188,000 | $176,366 | $3,310,000 | $11,733 | $540,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $40,000 | $40,000 | $40,000 | $56,000 | $56,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 650 | $54,133,000 | $268,285 | $1,592,000 | $80,428 | $540,000 |
| Loan Purchased By The Institution | 327 | $56,007,000 | $166,551 | $3,310,000 | $0 | $0 |
| Application Denied By Financial Institution | 160 | $11,614,000 | $279,750 | $892,000 | $20,250 | $201,000 |
| Application Withdrawn By Applicant | 38 | $3,410,000 | $303,000 | $684,000 | $95,333 | $500,000 |
| Application Approved But Not Accepted | 38 | $6,950,000 | $1,358,500 | $2,600,000 | $31,500 | $188,000 |
| File Closed For Incompleteness | 2 | $114,000 | $57,000 | $64,000 | $32,000 | $65,000 |
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 And Trust Company's 2003 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 And Trust Company'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 Missouri, download the full spreadsheet
with aggregated HMDA statistics today.