Citizens Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Citizens Bank & Trust of Guntersville, AL reported 205 mortgage applications totaling $33.4 million, down 8% from 2016. The average application was for $162,804, and applicants reported an average income of $94,400. 70% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Huntsville, AL (31), Florence-Muscle Shoals, AL (18) and Gadsden, AL (14) (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 | 205 |
| Total Mortgage Loan Application Amount | $33,375,000 |
| Average Mortgage Loan Application Amount | $162,804 |
| Highest Mortgage Loan Application Amount | $1,620,000 |
| Average Applicant Income | $94,400 |
| Highest Applicant Income | $946,000 |
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(HMDA) records Citizens Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Citizens Bank & Trust in 2017
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 | 109 | $17,180,000 | $157,000 | $1,620,000 | $88,000 | $946,000 |
| Refinancing | 64 | $14,963,000 | $233,000 | $1,391,000 | $124,000 | $415,000 |
| Home Improvement | 32 | $1,232,000 | $38,000 | $424,000 | $57,000 | $215,000 |
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 | 176 | $27,176,000 | $154,000 | $1,620,000 | $108,000 | $946,000 |
| Not applicable | 19 | $5,528,000 | $290,000 | $1,500,000 | $0 | $0 |
| Not Provided | 3 | $286,000 | $95,000 | $117,000 | $37,000 | $79,000 |
| Hispanic | 3 | $216,000 | $72,000 | $128,000 | $50,000 | $61,000 |
| Black or African American | 2 | $78,000 | $39,000 | $73,000 | $30,000 | $46,000 |
| American Indian or Alaskan Native | 1 | $15,000 | $15,000 | $15,000 | $35,000 | $35,000 |
| Asian | 1 | $76,000 | $76,000 | $76,000 | $100,000 | $100,000 |
| 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) | 199 | $32,198,000 | $161,000 | $1,620,000 | $95,000 | $946,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $395,000 | $131,000 | $162,000 | $69,000 | $79,000 |
| FHA-insured (Federal Housing Administration) | 2 | $224,000 | $112,000 | $160,000 | $42,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 1 | $558,000 | $558,000 | $558,000 | $150,000 | $150,000 |
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 | 143 | $25,474,000 | $178,000 | $1,620,000 | $108,000 | $946,000 |
| Application Denied By Financial Institution | 32 | $3,682,000 | $115,000 | $558,000 | $51,000 | $152,000 |
| Application Withdrawn By Applicant | 26 | $3,427,000 | $131,000 | $360,000 | $76,000 | $220,000 |
| Application Approved But Not Accepted | 4 | $792,000 | $198,000 | $397,000 | $104,000 | $245,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank & Trust's 2017 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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