Citizens Bank & Trust Company Mortgage Lending & HMDA Data, 2004
In 2004, Citizens Bank & Trust Company of Okmulgee, OK reported 244 mortgage applications totaling $10.7 million. The average application was for $43,774, and applicants reported an average income of $53,049. 68% of its applications resulted in an originated loan and 19% were denied. Its largest market was Tulsa, OK (143).
| Mortgage Company & Address | Citizens Bank & Trust Company 101 E 6th, P.O. Box 1117 Okmulgee, OK 74447 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 |
| Total Number of Mortgage Applications | 244 |
| Total Mortgage Loan Application Amount | $10,681,000 |
| Average Mortgage Loan Application Amount | $43,774 |
| Highest Mortgage Loan Application Amount | $450,000 |
| Average Applicant Income | $53,049 |
| Highest Applicant Income | $647,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tulsa, OK | 143 | $ 6,171,000 | $ 43,153 | $ 52,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust Company in 2004
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 | 111 | $7,741,000 | $64,500 | $450,000 | $329,500 | $647,000 |
| Home Improvement | 89 | $1,186,000 | $7,000 | $124,000 | $45,000 | $300,000 |
| Refinancing | 44 | $1,754,000 | $39,000 | $138,000 | $44,000 | $592,000 |
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 | 165 | $8,232,000 | $54,500 | $450,000 | $325,500 | $647,000 |
| Black or African American | 34 | $934,000 | $27,000 | $181,000 | $53,000 | $170,000 |
| American Indian or Alaskan Native | 28 | $959,000 | $34,000 | $124,000 | $48,000 | $177,000 |
| Hispanic | 8 | $215,000 | $26,000 | $69,000 | $43,000 | $90,000 |
| Not applicable | 4 | $147,000 | $36,000 | $74,000 | $50,000 | $110,000 |
| Not Provided | 4 | $54,000 | $9,000 | $21,000 | $52,500 | $73,000 |
| Asian | 1 | $140,000 | $140,000 | $140,000 | $45,000 | $45,000 |
| 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) | 244 | $10,681,000 | $34,666 | $450,000 | $232,000 | $647,000 |
| 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 | 167 | $7,744,000 | $53,000 | $450,000 | $328,000 | $647,000 |
| Application Denied By Financial Institution | 46 | $1,698,000 | $19,000 | $165,000 | $45,500 | $149,000 |
| Application Withdrawn By Applicant | 22 | $1,117,000 | $50,000 | $195,000 | $51,000 | $240,000 |
| Application Approved But Not Accepted | 7 | $103,000 | $14,000 | $34,000 | $28,000 | $45,000 |
| File Closed For Incompleteness | 2 | $19,000 | $9,000 | $17,000 | $38,000 | $47,000 |
| 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 Company's 2004 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 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 Oklahoma, download the full spreadsheet
with aggregated HMDA statistics today.
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