Citizens Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Citizens Bank & Trust of Guntersville, AL reported 164 mortgage applications totaling $16.0 million, down 33% from 2013. The average application was for $97,457, and applicants reported an average income of $83,914. 62% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Huntsville, AL (47), Birmingham-Hoover, AL (16) and Florence-Muscle Shoals, AL (9) (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 | 164 |
| Total Mortgage Loan Application Amount | $15,983,000 |
| Average Mortgage Loan Application Amount | $97,457 |
| Highest Mortgage Loan Application Amount | $1,165,000 |
| Average Applicant Income | $83,914 |
| Highest Applicant Income | $738,000 |
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(HMDA) records Citizens Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 70 | $ 9,198,000 | $ 131,400 | $ 101,000 |
| Madison, Alabama | 35 | $ 2,512,000 | $ 71,771 | $ 63,000 |
| Blount, Alabama | 13 | $ 768,000 | $ 59,076 | $ 59,000 |
| Limestone, Alabama | 12 | $ 461,000 | $ 38,416 | $ 61,000 |
| Lauderdale, Alabama | 9 | $ 669,000 | $ 74,333 | $ 124,000 |
| DeKalb, Alabama | 6 | $ 496,000 | $ 82,666 | $ 86,000 |
| Etowah, Alabama | 3 | $ 390,000 | $ 130,000 | $ 43,000 |
| Lincoln, Tennessee | 3 | $ 201,000 | $ 67,000 | $ 73,000 |
| Cullman, Alabama | 2 | $ 191,000 | $ 95,500 | $ 21,000 |
| Jefferson, Alabama | 2 | $ 179,000 | $ 89,500 | $ 81,000 |
| Morgan, Alabama | 2 | $ 172,000 | $ 86,000 | $ 43,000 |
| Calhoun, Alabama | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Talladega, Alabama | 1 | $ 53,000 | $ 53,000 | $ 80,000 |
| Walker, Alabama | 1 | $ 130,000 | $ 130,000 | $ 133,000 |
| Alamance, North Carolina | 1 | $ 124,000 | $ 124,000 | $ 335,000 |
| Giles, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 124,000 |
| Lawrence, Tennessee | 1 | $ 120,000 | $ 120,000 | $ 25,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust in 2014
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 | 77 | $8,068,000 | $104,000 | $700,000 | $95,000 | $686,000 |
| Refinancing | 72 | $7,548,000 | $104,000 | $1,165,000 | $76,000 | $738,000 |
| Home Improvement | 15 | $367,000 | $24,000 | $62,000 | $65,000 | $144,000 |
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 | 144 | $14,199,000 | $98,000 | $1,165,000 | $90,000 | $738,000 |
| Not applicable | 7 | $886,000 | $126,000 | $450,000 | $0 | $0 |
| Not Provided | 3 | $231,000 | $77,000 | $120,000 | $115,000 | $218,000 |
| American Indian or Alaskan Native | 3 | $185,000 | $61,000 | $150,000 | $31,000 | $46,000 |
| Asian | 3 | $254,000 | $84,000 | $140,000 | $44,000 | $84,000 |
| Black or African American | 2 | $148,000 | $74,000 | $100,000 | $57,000 | $63,000 |
| Hispanic | 2 | $80,000 | $40,000 | $56,000 | $35,000 | $52,000 |
| 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) | 159 | $15,557,000 | $97,000 | $1,165,000 | $85,000 | $738,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $375,000 | $93,000 | $111,000 | $45,000 | $64,000 |
| FHA-insured (Federal Housing Administration) | 1 | $51,000 | $51,000 | $51,000 | $49,000 | $49,000 |
| 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 | 101 | $9,643,000 | $95,000 | $700,000 | $101,000 | $686,000 |
| Application Denied By Financial Institution | 40 | $3,373,000 | $84,000 | $450,000 | $41,000 | $266,000 |
| Application Withdrawn By Applicant | 15 | $2,479,000 | $165,000 | $1,165,000 | $107,000 | $738,000 |
| Application Approved But Not Accepted | 7 | $463,000 | $66,000 | $178,000 | $40,000 | $96,000 |
| Preapproval Denied by Financial Institution | 1 | $25,000 | $25,000 | $25,000 | $28,000 | $28,000 |
| 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 2014 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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