Citizens Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Citizens Bank & Trust of Guntersville, AL reported 235 mortgage applications totaling $30.6 million, down 6% from 2010. The average application was for $130,382, and applicants reported an average income of $77,319. 43% of its applications resulted in an originated loan and 40% were denied. Its largest markets were Huntsville, AL (64), Birmingham-Hoover, AL (16) and Decatur, AL (10) (applications in parentheses).
| Mortgage Company & Address | Citizens Bank & Trust 711 Gunter Avenue Guntersville, AL 35976 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 |
| Total Number of Mortgage Applications | 235 |
| Total Mortgage Loan Application Amount | $30,640,000 |
| Average Mortgage Loan Application Amount | $130,382 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $77,319 |
| Highest Applicant Income | $1,460,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Marshall, Alabama | 109 | $ 16,475,000 | $ 151,146 | $ 88,000 |
| Madison, Alabama | 59 | $ 5,613,000 | $ 95,135 | $ 75,000 |
| Blount, Alabama | 13 | $ 2,788,000 | $ 214,461 | $ 81,000 |
| Lauderdale, Alabama | 10 | $ 551,000 | $ 55,100 | $ 79,000 |
| DeKalb, Alabama | 9 | $ 707,000 | $ 78,555 | $ 47,000 |
| Morgan, Alabama | 9 | $ 1,340,000 | $ 148,888 | $ 77,000 |
| Limestone, Alabama | 5 | $ 725,000 | $ 145,000 | $ 33,000 |
| Baldwin, Alabama | 4 | $ 648,000 | $ 162,000 | $ 63,000 |
| Etowah, Alabama | 4 | $ 163,000 | $ 40,750 | $ 19,000 |
| Jefferson, Alabama | 3 | $ 117,000 | $ 39,000 | $ 44,000 |
| Lincoln, Tennessee | 2 | $ 186,000 | $ 93,000 | $ 38,000 |
| Calhoun, Alabama | 1 | $ 160,000 | $ 160,000 | $ 54,000 |
| Cullman, Alabama | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Jackson, Alabama | 1 | $ 32,000 | $ 32,000 | $ 36,000 |
| Lawrence, Alabama | 1 | $ 30,000 | $ 30,000 | $ 163,000 |
| Lee, Alabama | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Polk, Florida | 1 | $ 350,000 | $ 350,000 | $ 115,000 |
| Giles, Tennessee | 1 | $ 130,000 | $ 130,000 | $ 94,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust in 2011
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 | 115 | $19,866,000 | $172,000 | $2,000,000 | $78,000 | $1,043,000 |
| Home Purchase | 100 | $10,363,000 | $103,000 | $796,000 | $83,000 | $1,460,000 |
| Home Improvement | 20 | $411,000 | $20,000 | $102,000 | $45,000 | $135,000 |
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 | 205 | $24,166,000 | $117,000 | $895,000 | $84,000 | $1,460,000 |
| Not applicable | 17 | $5,270,000 | $310,000 | $2,000,000 | $11,000 | $193,000 |
| Black or African American | 9 | $849,000 | $94,000 | $381,000 | $57,000 | $136,000 |
| Asian | 2 | $185,000 | $92,000 | $135,000 | $96,000 | $110,000 |
| Hispanic | 1 | $90,000 | $90,000 | $90,000 | $17,000 | $17,000 |
| Not Provided | 1 | $80,000 | $80,000 | $80,000 | $16,000 | $16,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 217 | $28,380,000 | $130,000 | $2,000,000 | $81,000 | $1,460,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,687,000 | $140,000 | $261,000 | $35,000 | $67,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $573,000 | $95,000 | $129,000 | $33,000 | $54,000 |
| 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 | 102 | $13,177,000 | $129,000 | $2,000,000 | $101,000 | $1,460,000 |
| Application Denied By Financial Institution | 94 | $12,512,000 | $133,000 | $796,000 | $48,000 | $284,000 |
| Application Withdrawn By Applicant | 24 | $3,537,000 | $147,000 | $410,000 | $92,000 | $300,000 |
| Application Approved But Not Accepted | 14 | $1,329,000 | $94,000 | $540,000 | $73,000 | $198,000 |
| Preapproval Denied by Financial Institution | 1 | $85,000 | $85,000 | $85,000 | $21,000 | $21,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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's 2011 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'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 Alabama, download the full spreadsheet
with aggregated HMDA statistics today.
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