Citizens Savings Bank & Trust Co Mortgage Lending & HMDA Data, 2023
In 2023, Citizens Savings Bank & Trust Co of Nashville, TN reported 122 mortgage applications totaling $42.6 million. The average application was for $349,098, and applicants reported an average income of $140,603. 47% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (64), Memphis, TN-MS-AR (5) and Jackson, TN (4) (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 | 122 |
| Total Mortgage Loan Application Amount | $42,590,000 |
| Average Mortgage Loan Application Amount | $349,098 |
| Highest Mortgage Loan Application Amount | $1,745,000 |
| Average Applicant Income | $140,603 |
| Highest Applicant Income | $1,597,000 |
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Citizens Savings Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nashville-Davidson--Murfreesboro--Franklin, TN | 64 | $ 24,950,000 | $ 389,843 | $ 134,000 |
| Outside any metro area | 38 | $ 10,580,000 | $ 278,421 | $ 144,000 |
| Memphis, TN-MS-AR | 5 | $ 1,215,000 | $ 243,000 | $ 100,000 |
| Jackson, TN | 4 | $ 780,000 | $ 195,000 | $ 61,000 |
| Clarksville, TN-KY | 3 | $ 1,595,000 | $ 531,666 | $ 207,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 255,000 | $ 255,000 | $ 280,000 |
| Chattanooga, TN-GA | 1 | $ 185,000 | $ 185,000 | $ 63,000 |
| Cheyenne, WY | 1 | $ 1,045,000 | $ 1,045,000 | $ 220,000 |
| Florence-Muscle Shoals, AL | 1 | $ 55,000 | $ 55,000 | $ 32,000 |
| Knoxville, TN | 1 | $ 195,000 | $ 195,000 | $ 337,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 145,000 | $ 145,000 | $ 134,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 955,000 | $ 955,000 | $ 276,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 635,000 | $ 635,000 | $ 125,000 |
Mortgage Loan Application Detail Totals for Citizens Savings Bank & Trust Co in 2023
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 | 97 | $32,395,000 | $333,000 | $1,745,000 | $137,000 | $1,597,000 |
| Cash-out Refinancing | 17 | $6,145,000 | $361,000 | $955,000 | $138,000 | $423,000 |
| Refinancing | 5 | $2,075,000 | $415,000 | $1,045,000 | $130,000 | $220,000 |
| Home Improvement | 2 | $1,620,000 | $810,000 | $1,015,000 | $364,000 | $364,000 |
| Not Applicable | 1 | $355,000 | $355,000 | $355,000 | $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 | 97 | $32,395,000 | $333,000 | $1,745,000 | $141,000 | $1,597,000 |
| White | 9 | $2,505,000 | $278,000 | $825,000 | $104,000 | $359,000 |
| Not applicable | 7 | $3,965,000 | $566,000 | $1,145,000 | $0 | $0 |
| Not Provided | 4 | $1,310,000 | $327,000 | $615,000 | $187,000 | $339,000 |
| Hispanic | 3 | $1,225,000 | $408,000 | $635,000 | $95,000 | $125,000 |
| American Indian or Alaskan Native | 1 | $1,045,000 | $1,045,000 | $1,045,000 | $220,000 | $220,000 |
| Asian | 1 | $145,000 | $145,000 | $145,000 | $134,000 | $134,000 |
| 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) | 119 | $41,965,000 | $352,000 | $1,745,000 | $141,000 | $1,597,000 |
| FHA-insured (Federal Housing Administration) | 3 | $625,000 | $208,000 | $335,000 | $63,000 | $103,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 57 | $22,375,000 | $392,000 | $1,745,000 | $155,000 | $990,000 |
| File Closed For Incompleteness | 34 | $11,570,000 | $340,000 | $1,425,000 | $118,000 | $540,000 |
| Application Denied By Financial Institution | 21 | $5,565,000 | $265,000 | $785,000 | $155,000 | $1,597,000 |
| Application Withdrawn By Applicant | 10 | $3,080,000 | $308,000 | $955,000 | $92,000 | $276,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 101 | $37,025,000 | $366,000 | $1,745,000 | $135,000 | $990,000 |
| Credit History | 13 | $3,735,000 | $287,000 | $785,000 | $221,000 | $1,597,000 |
| Debt-To-Income Ratio | 3 | $685,000 | $228,000 | $295,000 | $48,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $765,000 | $255,000 | $455,000 | $47,000 | $72,000 |
| Credit Application Incomplete | 1 | $175,000 | $175,000 | $175,000 | $46,000 | $46,000 |
| Unverifiable Information | 1 | $205,000 | $205,000 | $205,000 | $52,000 | $52,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Savings Bank & Trust Co's 2023 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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