Citizens Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Citizens Bank & Trust of Guntersville, AL reported 180 mortgage applications totaling $45.5 million, down 23% from 2021. The average application was for $252,666, and applicants reported an average income of $137,088. 78% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Huntsville, AL (13), Birmingham-Hoover, AL (8) 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 | 180 |
| Total Mortgage Loan Application Amount | $45,480,000 |
| Average Mortgage Loan Application Amount | $252,666 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $137,088 |
| Highest Applicant Income | $1,150,000 |
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(HMDA) records Citizens Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 92 | $ 20,110,000 | $ 218,586 | $ 124,000 |
| Cullman, Alabama | 36 | $ 6,290,000 | $ 174,722 | $ 115,000 |
| Madison, Alabama | 9 | $ 2,915,000 | $ 323,888 | $ 180,000 |
| Blount, Alabama | 5 | $ 1,515,000 | $ 303,000 | $ 141,000 |
| Jackson, Alabama | 5 | $ 2,895,000 | $ 579,000 | $ 219,000 |
| Morgan, Alabama | 5 | $ 2,105,000 | $ 421,000 | $ 187,000 |
| Lauderdale, Alabama | 4 | $ 690,000 | $ 172,500 | $ 64,000 |
| Limestone, Alabama | 4 | $ 800,000 | $ 200,000 | $ 125,000 |
| Baldwin, Alabama | 3 | $ 1,935,000 | $ 645,000 | $ 274,000 |
| DeKalb, Alabama | 3 | $ 405,000 | $ 135,000 | $ 220,000 |
| Etowah, Alabama | 3 | $ 655,000 | $ 218,333 | $ 63,000 |
| Jefferson, Alabama | 3 | $ 1,265,000 | $ 421,666 | $ 210,000 |
| Calhoun, Alabama | 1 | $ 125,000 | $ 125,000 | $ 67,000 |
| Tuscaloosa, Alabama | 1 | $ 195,000 | $ 195,000 | $ 209,000 |
| Winston, Alabama | 1 | $ 1,295,000 | $ 1,295,000 | $ 528,000 |
| Bay, Florida | 1 | $ 655,000 | $ 655,000 | $ 79,000 |
| Dade, Georgia | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Anderson, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Hamilton, Tennessee | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Knox, Tennessee | 1 | $ 865,000 | $ 865,000 | $ 259,000 |
Mortgage Loan Application Detail Totals for Citizens Bank & Trust in 2022
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 | 102 | $27,940,000 | $273,000 | $2,005,000 | $151,000 | $1,150,000 |
| Refinancing | 63 | $14,805,000 | $235,000 | $1,605,000 | $129,000 | $539,000 |
| Cash-out Refinancing | 10 | $1,890,000 | $189,000 | $405,000 | $80,000 | $155,000 |
| Home Improvement | 4 | $480,000 | $120,000 | $265,000 | $51,000 | $51,000 |
| Other Purpose | 1 | $365,000 | $365,000 | $365,000 | $143,000 | $143,000 |
| 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 | 118 | $31,810,000 | $269,000 | $2,005,000 | $146,000 | $1,150,000 |
| Not applicable | 38 | $9,170,000 | $241,000 | $1,365,000 | $0 | $0 |
| Hispanic | 17 | $2,525,000 | $148,000 | $495,000 | $90,000 | $539,000 |
| Asian | 4 | $1,120,000 | $280,000 | $495,000 | $132,000 | $218,000 |
| Black or African American | 1 | $65,000 | $65,000 | $65,000 | $90,000 | $90,000 |
| 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) | 174 | $44,550,000 | $256,000 | $2,005,000 | $141,000 | $1,150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $680,000 | $170,000 | $225,000 | $60,000 | $90,000 |
| FHA-insured (Federal Housing Administration) | 2 | $250,000 | $125,000 | $125,000 | $40,000 | $40,000 |
| 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 | 141 | $35,515,000 | $251,000 | $2,005,000 | $154,000 | $1,150,000 |
| Application Denied By Financial Institution | 22 | $4,940,000 | $224,000 | $655,000 | $70,000 | $155,000 |
| Application Withdrawn By Applicant | 17 | $5,025,000 | $295,000 | $675,000 | $127,000 | $444,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 180 | $45,480,000 | $252,000 | $2,005,000 | $138,000 | $1,150,000 |
| 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 2022 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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