Citizens Bank and Trust Company Mortgage Lending & HMDA Data, 2016
In 2016, Citizens Bank and Trust Company of Kansas City, MO reported 78 mortgage applications totaling $6.8 million, up 152% from 2015. The average application was for $87,589, and applicants reported an average income of $31,794. 19% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (15), Kansas City, MO-KS (14) and Chicago-Naperville-Arlington Heights, IL (7) (applications in parentheses).
| 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 | 78 |
| Total Mortgage Loan Application Amount | $6,832,000 |
| Average Mortgage Loan Application Amount | $87,589 |
| Highest Mortgage Loan Application Amount | $573,000 |
| Average Applicant Income | $31,794 |
| Highest Applicant Income | $288,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Bank and Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cobb, Georgia | 7 | $ 514,000 | $ 73,428 | $ 0 |
| Cook, Illinois | 7 | $ 490,000 | $ 70,000 | $ 0 |
| Clay, Missouri | 7 | $ 821,000 | $ 117,285 | $ 77,000 |
| Johnson, Kansas | 6 | $ 494,000 | $ 82,333 | $ 166,000 |
| Fulton, Georgia | 5 | $ 345,000 | $ 69,000 | $ 0 |
| Nodaway, Missouri | 3 | $ 161,000 | $ 53,666 | $ 14,000 |
| Bibb, Georgia | 2 | $ 107,000 | $ 53,500 | $ 0 |
| Baltimore, Maryland | 2 | $ 89,000 | $ 44,500 | $ 0 |
| Grundy, Missouri | 2 | $ 270,000 | $ 135,000 | $ 88,000 |
| Buncombe, North Carolina | 2 | $ 146,000 | $ 73,000 | $ 0 |
| Williamson, Tennessee | 2 | $ 263,000 | $ 131,500 | $ 0 |
| Maricopa, Arizona | 1 | $ 573,000 | $ 573,000 | $ 0 |
| Orange, Florida | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Polk, Florida | 1 | $ 109,000 | $ 109,000 | $ 0 |
| St. Lucie, Florida | 1 | $ 63,000 | $ 63,000 | $ 0 |
| Cherokee, Georgia | 1 | $ 35,000 | $ 35,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Gwinnett, Georgia | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Lake, Illinois | 1 | $ 46,000 | $ 46,000 | $ 0 |
| Floyd, Indiana | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Crawford, Kansas | 1 | $ 25,000 | $ 25,000 | $ 14,000 |
| Doniphan, Kansas | 1 | $ 119,000 | $ 119,000 | $ 118,000 |
| Anne Arundel, Maryland | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Montgomery, Maryland | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Essex, Massachusetts | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Middlesex, Massachusetts | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Worcester, Massachusetts | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Oakland, Michigan | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Sherburne, Minnesota | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Buchanan, Missouri | 1 | $ 66,000 | $ 66,000 | $ 19,000 |
| Linn, Missouri | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Livingston, Missouri | 1 | $ 5,000 | $ 5,000 | $ 15,000 |
| Platte, Missouri | 1 | $ 65,000 | $ 65,000 | $ 288,000 |
| Worth, Missouri | 1 | $ 28,000 | $ 28,000 | $ 85,000 |
| Forsyth, North Carolina | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Mecklenburg, North Carolina | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Union, North Carolina | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Bucks, Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 0 |
| York, Pennsylvania | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Knox, Tennessee | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Shelby, Tennessee | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Wilson, Tennessee | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Summit, Utah | 1 | $ 286,000 | $ 286,000 | $ 214,000 |
| Roanoke, Virginia | 1 | $ 36,000 | $ 36,000 | $ 0 |
Mortgage Loan Application Detail Totals for Citizens Bank and Trust Company in 2016
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 | 41 | $3,210,000 | $78,000 | $245,000 | $28,000 | $288,000 |
| Refinancing | 37 | $3,622,000 | $97,000 | $573,000 | $36,000 | $214,000 |
| Home Improvement | 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 | 67 | $5,475,000 | $81,000 | $286,000 | $36,000 | $288,000 |
| Not applicable | 4 | $786,000 | $196,000 | $573,000 | $0 | $0 |
| Black or African American | 4 | $369,000 | $92,000 | $147,000 | $0 | $0 |
| Hispanic | 1 | $77,000 | $77,000 | $77,000 | $0 | $0 |
| Asian | 1 | $100,000 | $100,000 | $100,000 | $61,000 | $61,000 |
| Not Provided | 1 | $25,000 | $25,000 | $25,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 78 | $6,832,000 | $87,000 | $573,000 | $32,000 | $288,000 |
| 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 Purchased By The Institution | 52 | $3,917,000 | $75,000 | $245,000 | $0 | $0 |
| Loan Originated | 15 | $2,021,000 | $134,000 | $573,000 | $113,000 | $288,000 |
| Application Approved But Not Accepted | 5 | $401,000 | $80,000 | $280,000 | $138,000 | $287,000 |
| Application Denied By Financial Institution | 5 | $223,000 | $44,000 | $66,000 | $25,000 | $30,000 |
| Application Withdrawn By Applicant | 1 | $270,000 | $270,000 | $270,000 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $140,000 | $46,000 | $66,000 | $26,000 | $30,000 |
| Debt-To-Income Ratio | 1 | $46,000 | $46,000 | $46,000 | $17,000 | $17,000 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank and Trust Company's 2016 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.
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