Citizens Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Citizens Bank & Trust of Guntersville, AL reported 235 mortgage applications totaling $48.6 million, down 2% from 2020. The average application was for $206,872, and applicants reported an average income of $125,170. 73% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Birmingham-Hoover, AL (20), Huntsville, AL (18) and Decatur, AL (5) (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 | 235 |
| Total Mortgage Loan Application Amount | $48,615,000 |
| Average Mortgage Loan Application Amount | $206,872 |
| Highest Mortgage Loan Application Amount | $1,555,000 |
| Average Applicant Income | $125,170 |
| Highest Applicant Income | $1,103,000 |
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(HMDA) records Citizens Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 110 | $ 21,960,000 | $ 199,636 | $ 125,000 |
| Cullman, Alabama | 53 | $ 10,365,000 | $ 195,566 | $ 117,000 |
| Madison, Alabama | 15 | $ 2,715,000 | $ 181,000 | $ 69,000 |
| Blount, Alabama | 11 | $ 1,165,000 | $ 105,909 | $ 112,000 |
| Jefferson, Alabama | 8 | $ 1,790,000 | $ 223,750 | $ 130,000 |
| Lauderdale, Alabama | 5 | $ 275,000 | $ 55,000 | $ 48,000 |
| Baldwin, Alabama | 4 | $ 1,070,000 | $ 267,500 | $ 162,000 |
| DeKalb, Alabama | 4 | $ 870,000 | $ 217,500 | $ 97,000 |
| Jackson, Alabama | 4 | $ 1,950,000 | $ 487,500 | $ 108,000 |
| Morgan, Alabama | 4 | $ 510,000 | $ 127,500 | $ 441,000 |
| Limestone, Alabama | 3 | $ 355,000 | $ 118,333 | $ 155,000 |
| Okaloosa, Florida | 2 | $ 1,740,000 | $ 870,000 | $ 228,000 |
| Calhoun, Alabama | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Clarke, Alabama | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Etowah, Alabama | 1 | $ 25,000 | $ 25,000 | $ 16,000 |
| Lawrence, Alabama | 1 | $ 85,000 | $ 85,000 | $ 71,000 |
| Lee, Alabama | 1 | $ 155,000 | $ 155,000 | $ 0 |
| St. Clair, Alabama | 1 | $ 655,000 | $ 655,000 | $ 495,000 |
| Talladega, Alabama | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Walton, Florida | 1 | $ 1,445,000 | $ 1,445,000 | $ 1,103,000 |
| Rockdale, Georgia | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Franklin, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 68,000 |
| Giles, Tennessee | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Hamilton, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 333,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust in 2021
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 | 113 | $21,595,000 | $191,000 | $1,445,000 | $128,000 | $1,103,000 |
| Refinancing | 104 | $23,450,000 | $225,000 | $1,555,000 | $129,000 | $766,000 |
| Cash-out Refinancing | 17 | $3,545,000 | $208,000 | $405,000 | $85,000 | $267,000 |
| Home Improvement | 1 | $25,000 | $25,000 | $25,000 | $90,000 | $90,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 192 | $40,330,000 | $210,000 | $1,555,000 | $128,000 | $1,103,000 |
| Not applicable | 26 | $5,260,000 | $202,000 | $735,000 | $0 | $0 |
| Hispanic | 10 | $1,690,000 | $169,000 | $605,000 | $100,000 | $215,000 |
| Asian | 5 | $1,145,000 | $229,000 | $405,000 | $87,000 | $121,000 |
| Not Provided | 1 | $155,000 | $155,000 | $155,000 | $35,000 | $35,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 226 | $47,340,000 | $209,000 | $1,555,000 | $127,000 | $1,103,000 |
| VA-guaranteed (Veterans Administration) | 4 | $800,000 | $200,000 | $285,000 | $98,000 | $161,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $185,000 | $61,000 | $85,000 | $38,000 | $47,000 |
| FHA-insured (Federal Housing Administration) | 2 | $290,000 | $145,000 | $155,000 | $43,000 | $50,000 |
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 | 172 | $38,240,000 | $222,000 | $1,555,000 | $143,000 | $1,103,000 |
| Application Denied By Financial Institution | 32 | $4,500,000 | $140,000 | $405,000 | $60,000 | $161,000 |
| Application Withdrawn By Applicant | 28 | $5,250,000 | $187,000 | $545,000 | $102,000 | $378,000 |
| File Closed For Incompleteness | 2 | $490,000 | $245,000 | $285,000 | $238,000 | $238,000 |
| Application Approved But Not Accepted | 1 | $135,000 | $135,000 | $135,000 | $37,000 | $37,000 |
| 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 | 235 | $48,615,000 | $206,000 | $1,555,000 | $125,000 | $1,103,000 |
| 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 2021 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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