Citizens Savings Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, Citizens Savings Bank & Trust of Nashville, TN reported 14 mortgage applications totaling $2.3 million, up 100% from 2012. The average application was for $161,642, and applicants reported an average income of $58,714. 64% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (13) and Memphis, TN-MS-AR (1).
| Mortgage Company & Address | Citizens Savings Bank & Trust 1917 Heiman Street Nashville, TN 37208 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 14 |
| Total Mortgage Loan Application Amount | $2,263,000 |
| Average Mortgage Loan Application Amount | $161,642 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $58,714 |
| Highest Applicant Income | $119,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Savings Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Davidson, Tennessee | 13 | $ 1,846,000 | $ 142,000 | $ 54,000 |
| Shelby, Tennessee | 1 | $ 417,000 | $ 417,000 | $ 119,000 |
Mortgage Loan Application Detail Totals for Citizens Savings Bank & Trust in 2013
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 | 8 | $1,173,000 | $146,000 | $417,000 | $57,000 | $119,000 |
| Refinancing | 6 | $1,090,000 | $181,000 | $351,000 | $61,000 | $100,000 |
| Home Improvement | 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 | 11 | $1,704,000 | $154,000 | $417,000 | $59,000 | $119,000 |
| White | 2 | $208,000 | $104,000 | $150,000 | $34,000 | $53,000 |
| Not Provided | 1 | $351,000 | $351,000 | $351,000 | $99,000 | $99,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 7 | $1,412,000 | $201,000 | $417,000 | $76,000 | $119,000 |
| FHA-insured (Federal Housing Administration) | 7 | $851,000 | $121,000 | $150,000 | $41,000 | $71,000 |
| 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 | 9 | $1,484,000 | $164,000 | $417,000 | $66,000 | $119,000 |
| Application Denied By Financial Institution | 3 | $318,000 | $106,000 | $150,000 | $28,000 | $53,000 |
| Application Withdrawn By Applicant | 2 | $461,000 | $230,000 | $351,000 | $70,000 | $99,000 |
| 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 | 2 | $168,000 | $84,000 | $110,000 | $16,000 | $16,000 |
| Collateral | 1 | $150,000 | $150,000 | $150,000 | $53,000 | $53,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 Savings Bank & Trust's 2013 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'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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