Citizens Savings Bank & Trust Co Mortgage Lending & HMDA Data, 2025
In 2025, Citizens Savings Bank & Trust Co of Nashville, TN reported 132 mortgage applications totaling $45.9 million, down 22% from 2024. The average application was for $347,954, and applicants reported an average income of $176,386. 33% of its applications resulted in an originated loan and 37% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (47), Memphis, TN-MS-AR (6) and Clarksville, TN-KY (3) (applications in parentheses).
| Mortgage Company & Address | Citizens Savings Bank & Trust Co 2013 Jefferson St Nashville, TN 37208 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 132 |
| Total Mortgage Loan Application Amount | $45,930,000 |
| Average Mortgage Loan Application Amount | $347,954 |
| Highest Mortgage Loan Application Amount | $3,925,000 |
| Average Applicant Income | $176,386 |
| Highest Applicant Income | $6,060,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Savings Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Davidson, Tennessee | 30 | $ 13,270,000 | $ 442,333 | $ 181,000 |
| Rutherford, Tennessee | 6 | $ 1,850,000 | $ 308,333 | $ 122,000 |
| Shelby, Tennessee | 6 | $ 1,040,000 | $ 173,333 | $ 218,000 |
| Robertson, Tennessee | 4 | $ 1,360,000 | $ 340,000 | $ 99,000 |
| Sumner, Tennessee | 4 | $ 970,000 | $ 242,500 | $ 84,000 |
| Montgomery, Tennessee | 2 | $ 240,000 | $ 120,000 | $ 71,000 |
| Christian, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 120,000 |
| Cheatham, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 80,000 |
| Giles, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 183,000 |
| Williamson, Tennessee | 1 | $ 1,105,000 | $ 1,105,000 | $ 6,060,000 |
| Wilson, Tennessee | 1 | $ 395,000 | $ 395,000 | $ 136,000 |
Mortgage Loan Application Detail Totals for Citizens Savings Bank & Trust Co in 2025
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 | 108 | $36,460,000 | $337,000 | $3,925,000 | $110,000 | $670,000 |
| Cash-out Refinancing | 17 | $4,075,000 | $239,000 | $755,000 | $168,000 | $430,000 |
| Refinancing | 7 | $5,395,000 | $770,000 | $1,755,000 | $1,221,000 | $6,060,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Black or African American | 103 | $38,105,000 | $369,000 | $3,925,000 | $203,000 | $6,060,000 |
| White | 15 | $3,875,000 | $258,000 | $435,000 | $91,000 | $233,000 |
| Hispanic | 8 | $2,000,000 | $250,000 | $375,000 | $57,000 | $101,000 |
| Not Provided | 4 | $1,150,000 | $287,000 | $435,000 | $117,000 | $301,000 |
| Asian | 2 | $800,000 | $400,000 | $545,000 | $14,000 | $29,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 120 | $43,200,000 | $360,000 | $3,925,000 | $187,000 | $6,060,000 |
| FHA-insured (Federal Housing Administration) | 12 | $2,730,000 | $227,000 | $365,000 | $70,000 | $101,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 49 | $18,665,000 | $380,000 | $3,925,000 | $234,000 | $6,060,000 |
| Loan Originated | 44 | $14,790,000 | $336,000 | $1,165,000 | $148,000 | $430,000 |
| File Closed For Incompleteness | 30 | $8,970,000 | $299,000 | $855,000 | $103,000 | $404,000 |
| Application Withdrawn By Applicant | 8 | $3,500,000 | $437,000 | $1,755,000 | $265,000 | $940,000 |
| Loan Purchased By The Institution | 1 | $5,000 | $5,000 | $5,000 | $83,000 | $83,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 83 | $27,265,000 | $328,000 | $1,755,000 | $142,000 | $940,000 |
| Credit History | 42 | $16,200,000 | $385,000 | $3,925,000 | $265,000 | $6,060,000 |
| Debt-To-Income Ratio | 7 | $2,465,000 | $352,000 | $755,000 | $47,000 | $87,000 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Savings Bank & Trust Co's 2025 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 Savings Bank & Trust Co'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 Tennessee, download the full spreadsheet
with aggregated HMDA statistics today.
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