Citizens Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Citizens Bank & Trust of Guntersville, AL reported 265 mortgage applications totaling $29.3 million, up 13% from 2011. The average application was for $110,509, and applicants reported an average income of $85,596. 51% of its applications resulted in an originated loan and 35% were denied. Its largest markets were Huntsville, AL (73), Birmingham-Hoover, AL (30) and Florence-Muscle Shoals, AL (17) (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 | 265 |
| Total Mortgage Loan Application Amount | $29,285,000 |
| Average Mortgage Loan Application Amount | $110,509 |
| Highest Mortgage Loan Application Amount | $1,196,000 |
| Average Applicant Income | $85,596 |
| Highest Applicant Income | $839,000 |
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(HMDA) records Citizens Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 113 | $ 12,958,000 | $ 114,672 | $ 81,000 |
| Madison, Alabama | 64 | $ 6,464,000 | $ 101,000 | $ 78,000 |
| Blount, Alabama | 28 | $ 4,384,000 | $ 156,571 | $ 75,000 |
| Lauderdale, Alabama | 17 | $ 557,000 | $ 32,764 | $ 47,000 |
| Etowah, Alabama | 9 | $ 1,082,000 | $ 120,222 | $ 61,000 |
| Limestone, Alabama | 9 | $ 615,000 | $ 68,333 | $ 95,000 |
| DeKalb, Alabama | 4 | $ 282,000 | $ 70,500 | $ 42,000 |
| Morgan, Alabama | 4 | $ 349,000 | $ 87,250 | $ 77,000 |
| Jackson, Alabama | 3 | $ 488,000 | $ 162,666 | $ 84,000 |
| Lincoln, Tennessee | 3 | $ 222,000 | $ 74,000 | $ 34,000 |
| Cullman, Alabama | 2 | $ 295,000 | $ 147,500 | $ 111,000 |
| Jefferson, Alabama | 2 | $ 137,000 | $ 68,500 | $ 405,000 |
| Tuscaloosa, Alabama | 2 | $ 430,000 | $ 215,000 | $ 367,000 |
| Baldwin, Alabama | 1 | $ 250,000 | $ 250,000 | $ 221,000 |
| Bay, Florida | 1 | $ 459,000 | $ 459,000 | $ 563,000 |
| Teton, Idaho | 1 | $ 81,000 | $ 81,000 | $ 84,000 |
| Coffee, Tennessee | 1 | $ 71,000 | $ 71,000 | $ 790,000 |
| Montgomery, Tennessee | 1 | $ 161,000 | $ 161,000 | $ 57,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust in 2012
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 | 156 | $21,266,000 | $136,000 | $1,196,000 | $83,000 | $563,000 |
| Home Purchase | 81 | $7,459,000 | $92,000 | $383,000 | $87,000 | $839,000 |
| Home Improvement | 28 | $560,000 | $20,000 | $85,000 | $96,000 | $531,000 |
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 | 237 | $25,759,000 | $108,000 | $547,000 | $94,000 | $839,000 |
| Not applicable | 15 | $2,782,000 | $185,000 | $1,196,000 | $0 | $0 |
| Black or African American | 5 | $143,000 | $28,000 | $48,000 | $42,000 | $88,000 |
| Hispanic | 4 | $405,000 | $101,000 | $180,000 | $31,000 | $52,000 |
| American Indian or Alaskan Native | 2 | $85,000 | $42,000 | $47,000 | $21,000 | $22,000 |
| Not Provided | 2 | $111,000 | $55,000 | $87,000 | $27,000 | $36,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 243 | $26,254,000 | $108,000 | $1,196,000 | $89,000 | $839,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,609,000 | $114,000 | $172,000 | $54,000 | $119,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $436,000 | $109,000 | $136,000 | $34,000 | $45,000 |
| VA-guaranteed (Veterans Administration) | 4 | $986,000 | $246,000 | $547,000 | $86,000 | $246,000 |
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 | 134 | $13,101,000 | $97,000 | $1,196,000 | $108,000 | $839,000 |
| Application Denied By Financial Institution | 92 | $10,898,000 | $118,000 | $500,000 | $59,000 | $404,000 |
| Application Withdrawn By Applicant | 30 | $4,110,000 | $137,000 | $547,000 | $70,000 | $246,000 |
| Application Approved But Not Accepted | 8 | $1,004,000 | $125,000 | $383,000 | $81,000 | $165,000 |
| File Closed For Incompleteness | 1 | $172,000 | $172,000 | $172,000 | $58,000 | $58,000 |
| 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's 2012 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About