Citizens Savings Bank & Trust Co Mortgage Lending & HMDA Data, 2024
In 2024, Citizens Savings Bank & Trust Co of Nashville, TN reported 170 mortgage applications totaling $34.1 million, up 39% from 2023. The average application was for $200,647, and applicants reported an average income of $152,660. 32% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (117), Clarksville, TN-KY (8) and Memphis, TN-MS-AR (7) (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 | 170 |
| Total Mortgage Loan Application Amount | $34,110,000 |
| Average Mortgage Loan Application Amount | $200,647 |
| Highest Mortgage Loan Application Amount | $3,335,000 |
| Average Applicant Income | $152,660 |
| Highest Applicant Income | $2,375,000 |
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Citizens Savings Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Citizens Savings Bank & Trust Co in 2024
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 | 139 | $21,905,000 | $157,000 | $1,525,000 | $156,000 | $2,375,000 |
| Cash-out Refinancing | 20 | $8,540,000 | $427,000 | $3,335,000 | $139,000 | $753,000 |
| Home Improvement | 5 | $2,345,000 | $469,000 | $685,000 | $163,000 | $215,000 |
| Refinancing | 4 | $660,000 | $165,000 | $385,000 | $92,000 | $110,000 |
| Not Applicable | 1 | $255,000 | $255,000 | $255,000 | $0 | $0 |
| Other Purpose | 1 | $405,000 | $405,000 | $405,000 | $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 | 114 | $20,550,000 | $180,000 | $2,765,000 | $135,000 | $1,600,000 |
| White | 21 | $4,885,000 | $232,000 | $895,000 | $175,000 | $984,000 |
| Not Provided | 15 | $6,565,000 | $437,000 | $3,335,000 | $189,000 | $753,000 |
| Hispanic | 11 | $675,000 | $61,000 | $375,000 | $70,000 | $137,000 |
| Asian | 4 | $20,000 | $5,000 | $5,000 | $652,000 | $2,375,000 |
| Not applicable | 4 | $1,190,000 | $297,000 | $405,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $225,000 | $225,000 | $225,000 | $81,000 | $81,000 |
| 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) | 158 | $33,550,000 | $212,000 | $3,335,000 | $159,000 | $2,375,000 |
| FHA-insured (Federal Housing Administration) | 12 | $560,000 | $46,000 | $255,000 | $76,000 | $131,000 |
| 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 |
|---|---|---|---|---|---|---|
| File Closed For Incompleteness | 57 | $5,545,000 | $97,000 | $2,765,000 | $159,000 | $2,375,000 |
| Loan Originated | 55 | $21,215,000 | $385,000 | $1,525,000 | $162,000 | $625,000 |
| Application Denied By Financial Institution | 37 | $1,165,000 | $31,000 | $255,000 | $102,000 | $984,000 |
| Application Withdrawn By Applicant | 18 | $5,970,000 | $331,000 | $3,335,000 | $226,000 | $1,600,000 |
| Loan Purchased By The Institution | 2 | $10,000 | $5,000 | $5,000 | $82,000 | $90,000 |
| Application Approved But Not Accepted | 1 | $205,000 | $205,000 | $205,000 | $38,000 | $38,000 |
| 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 | 133 | $32,945,000 | $247,000 | $3,335,000 | $167,000 | $2,375,000 |
| Credit History | 32 | $890,000 | $27,000 | $255,000 | $108,000 | $984,000 |
| Debt-To-Income Ratio | 4 | $270,000 | $67,000 | $255,000 | $61,000 | $89,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $5,000 | $5,000 | $5,000 | $57,000 | $57,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 2024 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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