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(HMDA) records Citizens Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 175 | $ 35,745,000 | $ 204,257 | $ 120,394 |
| Birmingham-Hoover, AL | 20 | $ 3,610,000 | $ 180,500 | $ 141,000 |
| Huntsville, AL | 18 | $ 3,070,000 | $ 170,555 | $ 84,000 |
| Decatur, AL | 5 | $ 595,000 | $ 119,000 | $ 256,000 |
| Florence-Muscle Shoals, AL | 5 | $ 275,000 | $ 55,000 | $ 48,000 |
| Daphne-Fairhope-Foley, AL | 4 | $ 1,070,000 | $ 267,500 | $ 162,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 3,185,000 | $ 1,061,666 | $ 665,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Auburn-Opelika, AL | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Chattanooga, TN-GA | 1 | $ 195,000 | $ 195,000 | $ 333,000 |
| Gadsden, AL | 1 | $ 25,000 | $ 25,000 | $ 16,000 |
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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About