Citizens Home Bank Mortgage Lending & HMDA Data, 2004
In 2004, Citizens Home Bank of Greenfield, MO reported 81 mortgage applications totaling $4.7 million, down 35% from 2003. The average application was for $58,469, and applicants reported an average income of $38,481. 69% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Springfield, MO (18) and Joplin, MO (1).
| Mortgage Company & Address | Citizens Home Bank 2 N Main St Greenfield, MO 65661 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 81 |
| Total Mortgage Loan Application Amount | $4,736,000 |
| Average Mortgage Loan Application Amount | $58,469 |
| Highest Mortgage Loan Application Amount | $225,000 |
| Average Applicant Income | $38,481 |
| Highest Applicant Income | $120,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Home Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dade, Missouri | 38 | $ 2,147,000 | $ 56,500 | $ 47,000 |
| Cedar, Missouri | 16 | $ 619,000 | $ 38,687 | $ 31,000 |
| Greene, Missouri | 9 | $ 1,079,000 | $ 119,888 | $ 61,000 |
| Polk, Missouri | 9 | $ 404,000 | $ 44,888 | $ 28,000 |
| Lawrence, Missouri | 6 | $ 319,000 | $ 53,166 | $ 25,000 |
| Hickory, Missouri | 1 | $ 60,000 | $ 60,000 | $ 36,000 |
| Jasper, Missouri | 1 | $ 73,000 | $ 73,000 | $ 68,000 |
| St. Clair, Missouri | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Citizens Home Bank in 2004
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 | 52 | $3,109,000 | $59,000 | $225,000 | $38,000 | $120,000 |
| Refinancing | 21 | $1,465,000 | $69,000 | $200,000 | $41,000 | $120,000 |
| Home Improvement | 8 | $162,000 | $20,000 | $60,000 | $35,000 | $81,000 |
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 | 69 | $4,420,000 | $64,000 | $225,000 | $38,000 | $120,000 |
| Not applicable | 9 | $171,000 | $19,000 | $60,000 | $42,000 | $81,000 |
| Hispanic | 2 | $72,000 | $36,000 | $60,000 | $25,000 | $36,000 |
| American Indian or Alaskan Native | 1 | $73,000 | $73,000 | $73,000 | $68,000 | $68,000 |
| Asian | 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 |
| Not Provided | 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) | 81 | $4,736,000 | $58,000 | $225,000 | $39,000 | $120,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 56 | $3,757,000 | $67,000 | $225,000 | $40,000 | $120,000 |
| Application Denied By Financial Institution | 23 | $894,000 | $38,000 | $95,000 | $38,000 | $120,000 |
| Application Withdrawn By Applicant | 2 | $85,000 | $42,000 | $70,000 | $38,000 | $67,000 |
| 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 | 8 | $270,000 | $33,000 | $65,000 | $25,000 | $79,000 |
| Collateral | 7 | $214,000 | $30,000 | $63,000 | $40,000 | $69,000 |
| Credit History | 6 | $303,000 | $50,000 | $95,000 | $56,000 | $120,000 |
| Credit Application Incomplete | 1 | $53,000 | $53,000 | $53,000 | $24,000 | $24,000 |
| Employment History | 1 | $54,000 | $54,000 | $54,000 | $36,000 | $36,000 |
| 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 Home Bank's 2004 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 Home Bank'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 Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
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