Citizens Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, Citizens Bank & Trust of Guntersville, AL reported 185 mortgage applications totaling $23.0 million, down 10% from 2017. The average application was for $124,513, and applicants reported an average income of $91,751. 64% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Huntsville, AL (45), Birmingham-Hoover, AL (22) and Decatur, AL (6) (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 | 185 |
| Total Mortgage Loan Application Amount | $23,035,000 |
| Average Mortgage Loan Application Amount | $124,513 |
| Highest Mortgage Loan Application Amount | $655,000 |
| Average Applicant Income | $91,751 |
| Highest Applicant Income | $792,000 |
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(HMDA) records Citizens Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 60 | $ 7,970,000 | $ 132,833 | $ 122,000 |
| Madison, Alabama | 40 | $ 4,880,000 | $ 122,000 | $ 73,000 |
| Cullman, Alabama | 32 | $ 3,970,000 | $ 124,062 | $ 75,000 |
| Blount, Alabama | 14 | $ 1,220,000 | $ 87,142 | $ 81,000 |
| Jefferson, Alabama | 6 | $ 840,000 | $ 140,000 | $ 79,000 |
| Morgan, Alabama | 6 | $ 830,000 | $ 138,333 | $ 69,000 |
| DeKalb, Alabama | 5 | $ 785,000 | $ 157,000 | $ 72,000 |
| Limestone, Alabama | 5 | $ 525,000 | $ 105,000 | $ 42,000 |
| Lauderdale, Alabama | 3 | $ 325,000 | $ 108,333 | $ 48,000 |
| Etowah, Alabama | 2 | $ 220,000 | $ 110,000 | $ 143,000 |
| Jackson, Alabama | 2 | $ 60,000 | $ 30,000 | $ 51,000 |
| Lee, Alabama | 2 | $ 70,000 | $ 35,000 | $ 323,000 |
| Montgomery, Alabama | 2 | $ 320,000 | $ 160,000 | $ 137,000 |
| Cherokee, Alabama | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Shelby, Alabama | 1 | $ 265,000 | $ 265,000 | $ 153,000 |
| St. Clair, Alabama | 1 | $ 25,000 | $ 25,000 | $ 27,000 |
| Eagle, Colorado | 1 | $ 395,000 | $ 395,000 | $ 201,000 |
| Bay, Florida | 1 | $ 145,000 | $ 145,000 | $ 148,000 |
| Giles, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust in 2018
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 | 97 | $13,885,000 | $143,000 | $605,000 | $111,000 | $792,000 |
| Refinancing | 59 | $6,555,000 | $111,000 | $655,000 | $73,000 | $292,000 |
| Home Improvement | 11 | $485,000 | $44,000 | $125,000 | $50,000 | $91,000 |
| Cash-out Refinancing | 10 | $1,390,000 | $139,000 | $345,000 | $71,000 | $156,000 |
| Other Purpose | 8 | $720,000 | $90,000 | $215,000 | $80,000 | $294,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 162 | $20,320,000 | $125,000 | $605,000 | $95,000 | $792,000 |
| Not applicable | 17 | $2,215,000 | $130,000 | $655,000 | $0 | $0 |
| Hispanic | 4 | $190,000 | $47,000 | $95,000 | $34,000 | $45,000 |
| Asian | 2 | $310,000 | $155,000 | $195,000 | $32,000 | $50,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 177 | $22,125,000 | $125,000 | $655,000 | $96,000 | $792,000 |
| FHA-insured (Federal Housing Administration) | 6 | $670,000 | $111,000 | $175,000 | $44,000 | $59,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $95,000 | $95,000 | $95,000 | $29,000 | $29,000 |
| VA-guaranteed (Veterans Administration) | 1 | $145,000 | $145,000 | $145,000 | $42,000 | $42,000 |
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 | 118 | $14,230,000 | $120,000 | $655,000 | $106,000 | $547,000 |
| Application Denied By Financial Institution | 39 | $4,055,000 | $103,000 | $375,000 | $55,000 | $314,000 |
| Application Withdrawn By Applicant | 23 | $4,095,000 | $178,000 | $605,000 | $110,000 | $792,000 |
| File Closed For Incompleteness | 4 | $550,000 | $137,000 | $175,000 | $60,000 | $68,000 |
| Application Approved But Not Accepted | 1 | $105,000 | $105,000 | $105,000 | $56,000 | $56,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 185 | $23,035,000 | $124,000 | $655,000 | $93,000 | $792,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank & Trust's 2018 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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