Citizens Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, Citizens Bank & Trust of Guntersville, AL reported 176 mortgage applications totaling $31.1 million, down 5% from 2018. The average application was for $176,818, and applicants reported an average income of $141,409. 71% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Birmingham-Hoover, AL (24), Huntsville, AL (21) and Gadsden, 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 | 176 |
| Total Mortgage Loan Application Amount | $31,120,000 |
| Average Mortgage Loan Application Amount | $176,818 |
| Highest Mortgage Loan Application Amount | $885,000 |
| Average Applicant Income | $141,409 |
| Highest Applicant Income | $1,499,000 |
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(HMDA) records Citizens Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 69 | $ 12,285,000 | $ 178,043 | $ 147,000 |
| Cullman, Alabama | 34 | $ 5,990,000 | $ 176,176 | $ 130,000 |
| Madison, Alabama | 20 | $ 2,060,000 | $ 103,000 | $ 132,000 |
| Blount, Alabama | 18 | $ 2,670,000 | $ 148,333 | $ 133,000 |
| Etowah, Alabama | 6 | $ 640,000 | $ 106,666 | $ 88,000 |
| Jefferson, Alabama | 6 | $ 1,730,000 | $ 288,333 | $ 207,000 |
| Lauderdale, Alabama | 5 | $ 485,000 | $ 97,000 | $ 57,000 |
| Morgan, Alabama | 5 | $ 1,135,000 | $ 227,000 | $ 58,000 |
| DeKalb, Alabama | 3 | $ 705,000 | $ 235,000 | $ 122,000 |
| Limestone, Alabama | 1 | $ 55,000 | $ 55,000 | $ 43,000 |
| Tuscaloosa, Alabama | 1 | $ 135,000 | $ 135,000 | $ 205,000 |
| Winston, Alabama | 1 | $ 225,000 | $ 225,000 | $ 214,000 |
| Escambia, Florida | 1 | $ 875,000 | $ 875,000 | $ 846,000 |
| Okaloosa, Florida | 1 | $ 325,000 | $ 325,000 | $ 246,000 |
| Walton, Florida | 1 | $ 885,000 | $ 885,000 | $ 0 |
| Bedford, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 260,000 |
| Knox, Tennessee | 1 | $ 305,000 | $ 305,000 | $ 96,000 |
| Lincoln, Tennessee | 1 | $ 355,000 | $ 355,000 | $ 125,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust in 2019
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 | 90 | $14,900,000 | $165,000 | $875,000 | $155,000 | $1,499,000 |
| Refinancing | 64 | $12,640,000 | $197,000 | $885,000 | $141,000 | $1,219,000 |
| Cash-out Refinancing | 15 | $2,985,000 | $199,000 | $485,000 | $81,000 | $206,000 |
| Other Purpose | 5 | $555,000 | $111,000 | $335,000 | $115,000 | $388,000 |
| Home Improvement | 2 | $40,000 | $20,000 | $25,000 | $62,000 | $62,000 |
| 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 | 146 | $26,230,000 | $179,000 | $875,000 | $143,000 | $1,499,000 |
| Not applicable | 20 | $3,390,000 | $169,000 | $885,000 | $0 | $0 |
| Hispanic | 7 | $685,000 | $97,000 | $185,000 | $119,000 | $478,000 |
| Asian | 1 | $355,000 | $355,000 | $355,000 | $27,000 | $27,000 |
| Black or African American | 1 | $115,000 | $115,000 | $115,000 | $57,000 | $57,000 |
| Not Provided | 1 | $345,000 | $345,000 | $345,000 | $250,000 | $250,000 |
| American Indian or Alaskan Native | 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) | 167 | $29,865,000 | $178,000 | $885,000 | $146,000 | $1,499,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $340,000 | $85,000 | $125,000 | $42,000 | $60,000 |
| FHA-insured (Federal Housing Administration) | 3 | $505,000 | $168,000 | $225,000 | $73,000 | $85,000 |
| VA-guaranteed (Veterans Administration) | 2 | $410,000 | $205,000 | $285,000 | $63,000 | $100,000 |
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 | 125 | $23,325,000 | $186,000 | $885,000 | $172,000 | $1,499,000 |
| Application Denied By Financial Institution | 28 | $4,340,000 | $155,000 | $485,000 | $72,000 | $478,000 |
| Application Withdrawn By Applicant | 18 | $2,930,000 | $162,000 | $435,000 | $85,000 | $205,000 |
| File Closed For Incompleteness | 5 | $525,000 | $105,000 | $145,000 | $80,000 | $185,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 176 | $31,120,000 | $176,000 | $885,000 | $141,000 | $1,499,000 |
| 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 2019 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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