Citizens Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, Citizens Bank & Trust of Guntersville, AL reported 243 mortgage applications totaling $25.4 million, down 8% from 2012. The average application was for $104,514, and applicants reported an average income of $74,341. 53% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Huntsville, AL (66), Birmingham-Hoover, AL (33) and Florence-Muscle Shoals, AL (8) (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 | 243 |
| Total Mortgage Loan Application Amount | $25,397,000 |
| Average Mortgage Loan Application Amount | $104,514 |
| Highest Mortgage Loan Application Amount | $740,000 |
| Average Applicant Income | $74,341 |
| Highest Applicant Income | $801,000 |
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(HMDA) records Citizens Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 107 | $ 12,834,000 | $ 119,943 | $ 80,000 |
| Madison, Alabama | 49 | $ 4,205,000 | $ 85,816 | $ 53,000 |
| Blount, Alabama | 24 | $ 2,124,000 | $ 88,500 | $ 63,000 |
| Limestone, Alabama | 17 | $ 1,527,000 | $ 89,823 | $ 66,000 |
| Jefferson, Alabama | 7 | $ 580,000 | $ 82,857 | $ 113,000 |
| Lauderdale, Alabama | 7 | $ 545,000 | $ 77,857 | $ 120,000 |
| DeKalb, Alabama | 6 | $ 643,000 | $ 107,166 | $ 79,000 |
| Cullman, Alabama | 5 | $ 916,000 | $ 183,200 | $ 87,000 |
| Morgan, Alabama | 5 | $ 558,000 | $ 111,600 | $ 96,000 |
| Etowah, Alabama | 4 | $ 532,000 | $ 133,000 | $ 72,000 |
| Lincoln, Tennessee | 3 | $ 281,000 | $ 93,666 | $ 71,000 |
| Jackson, Alabama | 2 | $ 69,000 | $ 34,500 | $ 35,000 |
| Mobile, Alabama | 2 | $ 236,000 | $ 118,000 | $ 108,000 |
| Baldwin, Alabama | 1 | $ 101,000 | $ 101,000 | $ 230,000 |
| Colbert, Alabama | 1 | $ 32,000 | $ 32,000 | $ 25,000 |
| Lee, Alabama | 1 | $ 15,000 | $ 15,000 | $ 99,000 |
| Shelby, Alabama | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| St. Clair, Alabama | 1 | $ 74,000 | $ 74,000 | $ 41,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust in 2013
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 | 126 | $16,633,000 | $132,000 | $740,000 | $77,000 | $619,000 |
| Home Purchase | 85 | $7,252,000 | $85,000 | $385,000 | $63,000 | $376,000 |
| Home Improvement | 32 | $1,512,000 | $47,000 | $250,000 | $94,000 | $801,000 |
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 | 219 | $21,680,000 | $98,000 | $635,000 | $79,000 | $801,000 |
| Not applicable | 15 | $2,911,000 | $194,000 | $740,000 | $0 | $0 |
| Hispanic | 4 | $284,000 | $71,000 | $99,000 | $39,000 | $80,000 |
| Black or African American | 2 | $105,000 | $52,000 | $70,000 | $160,000 | $234,000 |
| Not Provided | 1 | $130,000 | $130,000 | $130,000 | $108,000 | $108,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $175,000 | $175,000 | $175,000 | $79,000 | $79,000 |
| American Indian or Alaskan Native | 1 | $112,000 | $112,000 | $112,000 | $42,000 | $42,000 |
| Asian | 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) | 232 | $24,149,000 | $104,000 | $740,000 | $76,000 | $801,000 |
| FHA-insured (Federal Housing Administration) | 6 | $588,000 | $98,000 | $132,000 | $55,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $565,000 | $141,000 | $195,000 | $42,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 1 | $95,000 | $95,000 | $95,000 | $8,000 | $8,000 |
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 | 130 | $13,521,000 | $104,000 | $740,000 | $84,000 | $801,000 |
| Application Denied By Financial Institution | 66 | $6,755,000 | $102,000 | $635,000 | $60,000 | $415,000 |
| Application Withdrawn By Applicant | 36 | $4,300,000 | $119,000 | $276,000 | $69,000 | $260,000 |
| Application Approved But Not Accepted | 11 | $821,000 | $74,000 | $130,000 | $62,000 | $150,000 |
| 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 |
| 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 2013 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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