Citizens State Bank Mortgage Lending & HMDA Data, 2014

In 2014, Citizens State Bank of Newberry, FL reported 13,010 mortgage applications totaling $115.9 million, up 9328% from 2013. The average application was for $8,909, and applicants reported an average income of $34,539. 12% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Dallas-Plano-Irving, TX (546), Phoenix-Mesa-Scottsdale, AZ (294) and Houston-The Woodlands-Sugar Land, TX (249) (applications in parentheses).

Mortgage Company & Address Citizens State Bank
13840 W. Newberry Rd
Newberry, FL 32669
Tel #: available with data download
Federal Regulator * available with data download
Years 2017  2016  2015  2014  2013  
Total Number of Mortgage Applications 13,010
Total Mortgage Loan Application Amount $115,914,000
Average Mortgage Loan Application Amount $8,909
Highest Mortgage Loan Application Amount $2,113,000
Average Applicant Income $34,539
Highest Applicant Income $2,400,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens State Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Citizens State Bank by County in 2014

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 272 $ 2,632,000 $ 9,676 $ 8,000
Los Angeles, California 230 $ 2,594,000 $ 11,278 $ 14,000
Clark, Nevada 203 $ 2,627,000 $ 12,940 $ 13,000
Tarrant, Texas 195 $ 1,440,000 $ 7,384 $ 18,000
Dallas, Texas 182 $ 1,535,000 $ 8,434 $ 15,000
Collin, Texas 150 $ 1,553,000 $ 10,353 $ 5,000
San Diego, California 140 $ 1,739,000 $ 12,421 $ 8,000
Harris, Texas 127 $ 873,000 $ 6,874 $ 68,000
Cook, Illinois 124 $ 821,000 $ 6,620 $ 34,000
Denton, Texas 120 $ 1,249,000 $ 10,408 $ 9,000
Wake, North Carolina 110 $ 896,000 $ 8,145 $ 20,000
Orange, California 105 $ 1,271,000 $ 12,104 $ 16,000
El Paso, Texas 95 $ 413,000 $ 4,347 $ 61,000
Duval, Florida 91 $ 785,000 $ 8,626 $ 28,000
Davidson, Tennessee 91 $ 653,000 $ 7,175 $ 2,000
Pima, Arizona 89 $ 816,000 $ 9,168 $ 21,000
Riverside, California 88 $ 953,000 $ 10,829 $ 35,000
Salt Lake, Utah 88 $ 655,000 $ 7,443 $ 31,000
Bexar, Texas 86 $ 638,000 $ 7,418 $ 42,000
Suffolk, New York 85 $ 756,000 $ 8,894 $ 132,000
Stanislaus, California 84 $ 1,094,000 $ 13,023 $ 7,000
Richland, South Carolina 84 $ 698,000 $ 8,309 $ 1,000
San Bernardino, California 83 $ 992,000 $ 11,951 $ 22,000
Palm Beach, Florida 80 $ 628,000 $ 7,850 $ 1,000
Chester, Pennsylvania 79 $ 797,000 $ 10,088 $ 46,000
Marion, Florida 72 $ 561,000 $ 7,791 $ 15,000
San Joaquin, California 70 $ 653,000 $ 9,328 $ 39,000
Bucks, Pennsylvania 70 $ 650,000 $ 9,285 $ 67,000
Oakland, Michigan 69 $ 552,000 $ 8,000 $ 10,000
Jackson, Missouri 69 $ 582,000 $ 8,434 $ 2,000
Montgomery, Pennsylvania 67 $ 661,000 $ 9,865 $ 45,000
Montgomery, Texas 67 $ 407,000 $ 6,074 $ 83,000
Wayne, Michigan 65 $ 539,000 $ 8,292 $ 10,000
Burlington, New Jersey 64 $ 543,000 $ 8,484 $ 46,000
Contra Costa, California 62 $ 706,000 $ 11,387 $ 16,000
Hartford, Connecticut 62 $ 510,000 $ 8,225 $ 110,000
Clay, Florida 62 $ 424,000 $ 6,838 $ 45,000
Hillsborough, Florida 60 $ 484,000 $ 8,066 $ 34,000
Weber, Utah 57 $ 382,000 $ 6,701 $ 2,000
Polk, Florida 56 $ 314,000 $ 5,607 $ 31,000
Sacramento, California 55 $ 572,000 $ 10,400 $ 30,000
Hennepin, Minnesota 55 $ 551,000 $ 10,018 $ 16,000
Albany, New York 55 $ 422,000 $ 7,672 $ 4,000
Nassau, New York 55 $ 537,000 $ 9,763 $ 176,000
Travis, Texas 55 $ 446,000 $ 8,109 $ 10,000
Prince George's, Maryland 54 $ 517,000 $ 9,574 $ 23,000
Alameda, California 53 $ 548,000 $ 10,339 $ 42,000
Volusia, Florida 52 $ 378,000 $ 7,269 $ 10,000
Berks, Pennsylvania 52 $ 410,000 $ 7,884 $ 61,000
Utah, Utah 51 $ 371,000 $ 7,274 $ 17,000
Montgomery, Maryland 50 $ 476,000 $ 9,520 $ 33,000
Camden, New Jersey 50 $ 472,000 $ 9,440 $ 54,000
Lexington, South Carolina 50 $ 403,000 $ 8,060 $ 0
Johnson, Kansas 47 $ 320,000 $ 6,808 $ 15,000
Delaware, Pennsylvania 47 $ 475,000 $ 10,106 $ 38,000
Columbia, Florida 46 $ 237,000 $ 5,152 $ 64,000
Philadelphia, Pennsylvania 46 $ 497,000 $ 10,804 $ 43,000
Brevard, Florida 45 $ 321,000 $ 7,133 $ 10,000
Shelby, Tennessee 45 $ 245,000 $ 5,444 $ 5,000
Jefferson, Kentucky 43 $ 249,000 $ 5,790 $ 36,000
Macomb, Michigan 43 $ 320,000 $ 7,441 $ 6,000
Montgomery, Ohio 43 $ 294,000 $ 6,837 $ 0
Oklahoma, Oklahoma 43 $ 305,000 $ 7,093 $ 22,000
Fresno, California 42 $ 532,000 $ 12,666 $ 29,000
DeKalb, Georgia 42 $ 359,000 $ 8,547 $ 5,000
Gwinnett, Georgia 42 $ 341,000 $ 8,119 $ 21,000
Fairfax, Virginia 42 $ 359,000 $ 8,547 $ 31,000
Orange, Florida 41 $ 322,000 $ 7,853 $ 35,000
St. Louis, Missouri 41 $ 180,000 $ 4,390 $ 65,000
New Haven, Connecticut 40 $ 387,000 $ 9,675 $ 101,000
Taylor, Florida 40 $ 540,000 $ 13,500 $ 43,000
Suwannee, Florida 39 $ 302,000 $ 7,743 $ 59,000
Caddo, Louisiana 39 $ 345,000 $ 8,846 $ 42,000
Milwaukee, Wisconsin 39 $ 285,000 $ 7,307 $ 0
Alachua, Florida 38 $ 197,000 $ 5,184 $ 43,000
Ada, Idaho 38 $ 229,000 $ 6,026 $ 32,000
Ocean, New Jersey 38 $ 309,000 $ 8,131 $ 4,000
Lancaster, Pennsylvania 38 $ 361,000 $ 9,500 $ 112,000
Charleston, South Carolina 38 $ 403,000 $ 10,605 $ 2,000
Kern, California 37 $ 431,000 $ 11,648 $ 51,000
Saratoga, New York 37 $ 313,000 $ 8,459 $ 0
Arapahoe, Colorado 36 $ 263,000 $ 7,305 $ 29,000
Broward, Florida 36 $ 327,000 $ 9,083 $ 41,000
Nassau, Florida 36 $ 228,000 $ 6,333 $ 61,000
Lehigh, Pennsylvania 36 $ 301,000 $ 8,361 $ 95,000
Northampton, Pennsylvania 36 $ 292,000 $ 8,111 $ 86,000
Tulare, California 35 $ 469,000 $ 13,400 $ 18,000
New Castle, Delaware 35 $ 347,000 $ 9,914 $ 53,000
Will, Illinois 35 $ 221,000 $ 6,314 $ 42,000
Marion, Indiana 35 $ 265,000 $ 7,571 $ 9,000
Lubbock, Texas 35 $ 144,000 $ 4,114 $ 99,000
DuPage, Illinois 34 $ 226,000 $ 6,647 $ 26,000
Hillsborough, New Hampshire 34 $ 314,000 $ 9,235 $ 136,000
Cobb, Georgia 33 $ 292,000 $ 8,848 $ 3,000
Fulton, Georgia 33 $ 223,000 $ 6,757 $ 4,000
Allen, Indiana 33 $ 259,000 $ 7,848 $ 0
Kaufman, Texas 33 $ 287,000 $ 8,696 $ 80,000
Davis, Utah 33 $ 366,000 $ 11,090 $ 7,000
Santa Clara, California 32 $ 390,000 $ 12,187 $ 33,000
El Paso, Colorado 32 $ 223,000 $ 6,968 $ 55,000
Anoka, Minnesota 32 $ 410,000 $ 12,812 $ 0
Bernalillo, New Mexico 32 $ 154,000 $ 4,812 $ 45,000
Chatham, Georgia 31 $ 225,000 $ 7,258 $ 1,000
Mecklenburg, North Carolina 31 $ 302,000 $ 9,741 $ 23,000
Jefferson, Alabama 30 $ 191,000 $ 6,366 $ 10,000
Baltimore, Maryland 30 $ 317,000 $ 10,566 $ 6,000
Dauphin, Pennsylvania 30 $ 260,000 $ 8,666 $ 127,000
Pinellas, Florida 29 $ 246,000 $ 8,482 $ 18,000
Yuma, Arizona 28 $ 363,000 $ 12,964 $ 0
Mercer, New Jersey 28 $ 205,000 $ 7,321 $ 41,000
Jefferson, Colorado 27 $ 261,000 $ 9,666 $ 55,000
Miami-Dade, Florida 27 $ 279,000 $ 10,333 $ 28,000
Pasco, Florida 27 $ 244,000 $ 9,037 $ 34,000
Penobscot, Maine 27 $ 174,000 $ 6,444 $ 66,000
Gloucester, New Jersey 27 $ 278,000 $ 10,296 $ 14,000
Cleveland, Oklahoma 27 $ 231,000 $ 8,555 $ 10,000
Pulaski, Arkansas 26 $ 211,000 $ 8,115 $ 63,000
San Francisco, California 26 $ 275,000 $ 10,576 $ 7,000
Lee, Florida 26 $ 316,000 $ 12,153 $ 23,000
Onondaga, New York 26 $ 145,000 $ 5,576 $ 0
Allegheny, Pennsylvania 26 $ 192,000 $ 7,384 $ 62,000
Jefferson, Louisiana 25 $ 299,000 $ 11,960 $ 30,000
Rockingham, New Hampshire 25 $ 231,000 $ 9,240 $ 86,000
St. Johns, Florida 24 $ 188,000 $ 7,833 $ 19,000
Lake, Illinois 24 $ 190,000 $ 7,916 $ 69,000
St. Joseph, Indiana 24 $ 154,000 $ 6,416 $ 0
Schenectady, New York 24 $ 182,000 $ 7,583 $ 3,000
Henrico, Virginia 24 $ 194,000 $ 8,083 $ 12,000
Greene, Ohio 23 $ 168,000 $ 7,304 $ 0
Hamilton, Ohio 23 $ 157,000 $ 6,826 $ 19,000
York, Pennsylvania 23 $ 175,000 $ 7,608 $ 74,000
Cameron, Texas 23 $ 66,000 $ 2,869 $ 39,000
Hunt, Texas 23 $ 189,000 $ 8,217 $ 71,000
Van Zandt, Texas 23 $ 133,000 $ 5,782 $ 59,000
Mobile, Alabama 22 $ 207,000 $ 9,409 $ 5,000
Pinal, Arizona 22 $ 277,000 $ 12,590 $ 11,000
Placer, California 22 $ 212,000 $ 9,636 $ 36,000
Anne Arundel, Maryland 22 $ 226,000 $ 10,272 $ 33,000
Johnson, Texas 22 $ 110,000 $ 5,000 $ 49,000
Prince William, Virginia 22 $ 185,000 $ 8,409 $ 33,000
Richmond City, Virginia 22 $ 149,000 $ 6,772 $ 12,000
King, Washington 22 $ 126,000 $ 5,727 $ 55,000
Snohomish, Washington 22 $ 125,000 $ 5,681 $ 20,000
Mohave, Arizona 21 $ 206,000 $ 9,809 $ 19,000
Solano, California 21 $ 151,000 $ 7,190 $ 40,000
Adams, Colorado 21 $ 167,000 $ 7,952 $ 31,000
Ramsey, Minnesota 21 $ 260,000 $ 12,380 $ 0
Erie, New York 21 $ 143,000 $ 6,809 $ 9,000
Orange, New York 21 $ 117,000 $ 5,571 $ 103,000
Ellis, Texas 21 $ 164,000 $ 7,809 $ 42,000
Roanoke, Virginia 21 $ 204,000 $ 9,714 $ 38,000
Fairfield, Connecticut 20 $ 189,000 $ 9,450 $ 90,000
Lake, Florida 20 $ 195,000 $ 9,750 $ 13,000
Seminole, Florida 20 $ 166,000 $ 8,300 $ 36,000
Champaign, Illinois 20 $ 142,000 $ 7,100 $ 9,000
Kane, Illinois 20 $ 135,000 $ 6,750 $ 12,000
Cumberland, Maine 20 $ 120,000 $ 6,000 $ 120,000
St. Clair, Michigan 20 $ 245,000 $ 12,250 $ 75,000
Putnam, Florida 19 $ 145,000 $ 7,631 $ 43,000
Lake, Indiana 19 $ 119,000 $ 6,263 $ 31,000
St. Tammany, Louisiana 19 $ 248,000 $ 13,052 $ 21,000
Hall, Nebraska 19 $ 121,000 $ 6,368 $ 0
Monmouth, New Jersey 19 $ 152,000 $ 8,000 $ 9,000
Dona Ana, New Mexico 19 $ 70,000 $ 3,684 $ 126,000
Durham, North Carolina 19 $ 166,000 $ 8,736 $ 2,000
Clark, Ohio 19 $ 138,000 $ 7,263 $ 0
Grayson, Texas 19 $ 144,000 $ 7,578 $ 77,000
Kanawha, West Virginia 19 $ 118,000 $ 6,210 $ 7,000
Waukesha, Wisconsin 19 $ 190,000 $ 10,000 $ 2,000
Merced, California 18 $ 136,000 $ 7,555 $ 21,000
Boulder, Colorado 18 $ 201,000 $ 11,166 $ 0
Citrus, Florida 18 $ 161,000 $ 8,944 $ 46,000
Lowndes, Georgia 18 $ 118,000 $ 6,555 $ 53,000
York, Maine 18 $ 89,000 $ 4,944 $ 111,000
Worcester, Massachusetts 18 $ 252,000 $ 14,000 $ 16,000
Monroe, Pennsylvania 18 $ 140,000 $ 7,777 $ 91,000
Knox, Tennessee 18 $ 137,000 $ 7,611 $ 0
Anderson, Texas 18 $ 121,000 $ 6,722 $ 79,000
Chesterfield, Virginia 18 $ 141,000 $ 7,833 $ 45,000
Ventura, California 17 $ 180,000 $ 10,588 $ 8,000
Bay, Florida 17 $ 167,000 $ 9,823 $ 41,000
Queens, New York 17 $ 131,000 $ 7,705 $ 42,000
Franklin, Ohio 17 $ 147,000 $ 8,647 $ 4,000
Tulsa, Oklahoma 17 $ 113,000 $ 6,647 $ 17,000
Beaufort, South Carolina 17 $ 154,000 $ 9,058 $ 0
Fort Bend, Texas 17 $ 138,000 $ 8,117 $ 57,000
Rockwall, Texas 17 $ 123,000 $ 7,235 $ 23,000
Williamson, Texas 17 $ 150,000 $ 8,823 $ 34,000
Tooele, Utah 17 $ 157,000 $ 9,235 $ 16,000
Kings, California 16 $ 185,000 $ 11,562 $ 15,000
Denver, Colorado 16 $ 123,000 $ 7,687 $ 34,000
Weld, Colorado 16 $ 136,000 $ 8,500 $ 21,000
Hernando, Florida 16 $ 106,000 $ 6,625 $ 44,000
Levy, Florida 16 $ 118,000 $ 7,375 $ 29,000
Madison, Florida 16 $ 135,000 $ 8,437 $ 49,000
Liberty, Georgia 16 $ 126,000 $ 7,875 $ 10,000
Madison, Illinois 16 $ 84,000 $ 5,250 $ 65,000
Bossier, Louisiana 16 $ 143,000 $ 8,937 $ 26,000
Howard, Maryland 16 $ 135,000 $ 8,437 $ 0
Hinds, Mississippi 16 $ 110,000 $ 6,875 $ 5,000
Cumberland, North Carolina 16 $ 143,000 $ 8,937 $ 5,000
Moore, North Carolina 16 $ 66,000 $ 4,125 $ 77,000
Multnomah, Oregon 16 $ 109,000 $ 6,812 $ 26,000
Galveston, Texas 16 $ 105,000 $ 6,562 $ 154,000
Kennebec, Maine 15 $ 114,000 $ 7,600 $ 74,000
Baltimore City, Maryland 15 $ 177,000 $ 11,800 $ 27,000
Hampden, Massachusetts 15 $ 126,000 $ 8,400 $ 21,000
Middlesex, Massachusetts 15 $ 132,000 $ 8,800 $ 65,000
Merrimack, New Hampshire 15 $ 68,000 $ 4,533 $ 66,000
Gregg, Texas 15 $ 98,000 $ 6,533 $ 65,000
Hidalgo, Texas 15 $ 101,000 $ 6,733 $ 57,000
Smith, Texas 15 $ 129,000 $ 8,600 $ 56,000
Aroostook, Maine 14 $ 68,000 $ 4,857 $ 131,000
Genesee, Michigan 14 $ 101,000 $ 7,214 $ 2,000
Boone, Missouri 14 $ 114,000 $ 8,142 $ 15,000
Middlesex, New Jersey 14 $ 142,000 $ 10,142 $ 4,000
Kings, New York 14 $ 146,000 $ 10,428 $ 28,000
Summit, Ohio 14 $ 98,000 $ 7,000 $ 8,000
Luzerne, Pennsylvania 14 $ 102,000 $ 7,285 $ 90,000
Schuylkill, Pennsylvania 14 $ 143,000 $ 10,214 $ 51,000
Sumter, South Carolina 14 $ 159,000 $ 11,357 $ 50,000
Douglas, Colorado 13 $ 170,000 $ 13,076 $ 35,000
New London, Connecticut 13 $ 115,000 $ 8,846 $ 102,000
Sarasota, Florida 13 $ 99,000 $ 7,615 $ 7,000
McHenry, Illinois 13 $ 72,000 $ 5,538 $ 85,000
Essex, Massachusetts 13 $ 92,000 $ 7,076 $ 46,000
Dakota, Minnesota 13 $ 71,000 $ 5,461 $ 12,000
Rankin, Mississippi 13 $ 81,000 $ 6,230 $ 16,000
Bergen, New Jersey 13 $ 135,000 $ 10,384 $ 11,000
Passaic, New Jersey 13 $ 81,000 $ 6,230 $ 42,000
Rensselaer, New York 13 $ 104,000 $ 8,000 $ 37,000
Cuyahoga, Ohio 13 $ 99,000 $ 7,615 $ 4,000
Lucas, Ohio 13 $ 95,000 $ 7,307 $ 0
Lebanon, Pennsylvania 13 $ 91,000 $ 7,000 $ 231,000
Providence, Rhode Island 13 $ 109,000 $ 8,384 $ 162,000
Dorchester, South Carolina 13 $ 147,000 $ 11,307 $ 7,000
Loudoun, Virginia 13 $ 124,000 $ 9,538 $ 30,000
Spokane, Washington 13 $ 54,000 $ 4,153 $ 34,000
Putnam, West Virginia 13 $ 78,000 $ 6,000 $ 0
Shelby, Alabama 12 $ 110,000 $ 9,166 $ 0
El Dorado, California 12 $ 145,000 $ 12,083 $ 43,000
Collier, Florida 12 $ 91,000 $ 7,583 $ 7,000
Gilchrist, Florida 12 $ 49,000 $ 4,083 $ 48,000
Hamilton, Florida 12 $ 84,000 $ 7,000 $ 59,000
Clark, Indiana 12 $ 86,000 $ 7,166 $ 6,000
Elkhart, Indiana 12 $ 89,000 $ 7,416 $ 0
Hamilton, Indiana 12 $ 80,000 $ 6,666 $ 0
Livingston, Michigan 12 $ 93,000 $ 7,750 $ 0
Jefferson, Missouri 12 $ 81,000 $ 6,750 $ 54,000
Douglas, Nebraska 12 $ 88,000 $ 7,333 $ 46,000
Washoe, Nevada 12 $ 96,000 $ 8,000 $ 45,000
Strafford, New Hampshire 12 $ 97,000 $ 8,083 $ 50,000
Essex, New Jersey 12 $ 141,000 $ 11,750 $ 12,000
Somerset, New Jersey 12 $ 109,000 $ 9,083 $ 6,000
Dutchess, New York 12 $ 82,000 $ 6,833 $ 69,000
Buncombe, North Carolina 12 $ 102,000 $ 8,500 $ 67,000
Wilson, Tennessee 12 $ 96,000 $ 8,000 $ 7,000
Frio, Texas 12 $ 46,000 $ 3,833 $ 50,000
Clark, Washington 12 $ 98,000 $ 8,166 $ 12,000
Faulkner, Arkansas 11 $ 51,000 $ 4,636 $ 62,000
Saline, Arkansas 11 $ 94,000 $ 8,545 $ 30,000
Butte, California 11 $ 86,000 $ 7,818 $ 10,000
District of Columbia, District Of Columbia 11 $ 73,000 $ 6,636 $ 93,000
Manatee, Florida 11 $ 67,000 $ 6,090 $ 12,000
Fayette, Georgia 11 $ 93,000 $ 8,454 $ 7,000
Monroe, Indiana 11 $ 90,000 $ 8,181 $ 0
Boone, Kentucky 11 $ 74,000 $ 6,727 $ 0
St. John the Baptist, Louisiana 11 $ 46,000 $ 4,181 $ 63,000
Norfolk, Massachusetts 11 $ 124,000 $ 11,272 $ 63,000
Plymouth, Massachusetts 11 $ 92,000 $ 8,363 $ 29,000
Berrien, Michigan 11 $ 86,000 $ 7,818 $ 7,000
Ingham, Michigan 11 $ 84,000 $ 7,636 $ 0
Hunterdon, New Jersey 11 $ 88,000 $ 8,000 $ 44,000
Westchester, New York 11 $ 93,000 $ 8,454 $ 119,000
Butler, Ohio 11 $ 76,000 $ 6,909 $ 13,000
Cumberland, Pennsylvania 11 $ 106,000 $ 9,636 $ 72,000
Anderson, South Carolina 11 $ 45,000 $ 4,090 $ 33,000
Brazoria, Texas 11 $ 68,000 $ 6,181 $ 83,000
Henderson, Texas 11 $ 85,000 $ 7,727 $ 48,000
Nueces, Texas 11 $ 69,000 $ 6,272 $ 59,000
Roanoke City, Virginia 11 $ 106,000 $ 9,636 $ 1,000
Yavapai, Arizona 10 $ 113,000 $ 11,300 $ 8,000
Canyon, Idaho 10 $ 59,000 $ 5,900 $ 18,000
St. Clair, Illinois 10 $ 85,000 $ 8,500 $ 180,000
Lafayette, Louisiana 10 $ 77,000 $ 7,700 $ 105,000
Tangipahoa, Louisiana 10 $ 95,000 $ 9,500 $ 37,000
Kent, Michigan 10 $ 85,000 $ 8,500 $ 0
Washtenaw, Michigan 10 $ 50,000 $ 5,000 $ 22,000
Scott, Minnesota 10 $ 131,000 $ 13,100 $ 23,000
Cass, Missouri 10 $ 89,000 $ 8,900 $ 2,000
Clay, Missouri 10 $ 107,000 $ 10,700 $ 0
Gaston, North Carolina 10 $ 59,000 $ 5,900 $ 77,000
Warren, Ohio 10 $ 63,000 $ 6,300 $ 0
Clackamas, Oregon 10 $ 62,000 $ 6,200 $ 33,000
Westmoreland, Pennsylvania 10 $ 47,000 $ 4,700 $ 50,000
Hughes, South Dakota 10 $ 67,000 $ 6,700 $ 11,000
Rutherford, Tennessee 10 $ 93,000 $ 9,300 $ 3,000
Bell, Texas 10 $ 60,000 $ 6,000 $ 6,000
Cherokee, Texas 10 $ 55,000 $ 5,500 $ 60,000
Hays, Texas 10 $ 41,000 $ 4,100 $ 104,000
McLennan, Texas 10 $ 57,000 $ 5,700 $ 20,000
Navarro, Texas 10 $ 91,000 $ 9,100 $ 81,000
Upshur, Texas 10 $ 40,000 $ 4,000 $ 57,000
Walker, Texas 10 $ 44,000 $ 4,400 $ 43,000
Wise, Texas 10 $ 113,000 $ 11,300 $ 21,000
Racine, Wisconsin 10 $ 92,000 $ 9,200 $ 0
Cochise, Arizona 9 $ 102,000 $ 11,333 $ 6,000
Jefferson, Arkansas 9 $ 66,000 $ 7,333 $ 17,000
Osceola, Florida 9 $ 79,000 $ 8,777 $ 19,000
St. Lucie, Florida 9 $ 58,000 $ 6,444 $ 22,000
Sumter, Florida 9 $ 66,000 $ 7,333 $ 12,000
Cherokee, Georgia 9 $ 49,000 $ 5,444 $ 35,000
Coweta, Georgia 9 $ 89,000 $ 9,888 $ 5,000
De Soto, Louisiana 9 $ 130,000 $ 14,444 $ 39,000
Orleans, Louisiana 9 $ 100,000 $ 11,111 $ 24,000
Androscoggin, Maine 9 $ 53,000 $ 5,888 $ 156,000
Bristol, Massachusetts 9 $ 48,000 $ 5,333 $ 48,000
Lapeer, Michigan 9 $ 73,000 $ 8,111 $ 11,000
Cumberland, New Jersey 9 $ 80,000 $ 8,888 $ 150,000
Morris, New Jersey 9 $ 94,000 $ 10,444 $ 193,000
Sussex, New Jersey 9 $ 49,000 $ 5,444 $ 231,000
Union, New Jersey 9 $ 68,000 $ 7,555 $ 7,000
Bronx, New York 9 $ 107,000 $ 11,888 $ 52,000
Richmond, New York 9 $ 67,000 $ 7,444 $ 187,000
Orange, North Carolina 9 $ 59,000 $ 6,555 $ 23,000
Portage, Ohio 9 $ 52,000 $ 5,777 $ 17,000
Marion, Oregon 9 $ 84,000 $ 9,333 $ 11,000
Washington, Oregon 9 $ 57,000 $ 6,333 $ 27,000
Franklin, Pennsylvania 9 $ 96,000 $ 10,666 $ 53,000
Jim Hogg, Texas 9 $ 20,000 $ 2,222 $ 63,000
Botetourt, Virginia 9 $ 66,000 $ 7,333 $ 0
Hanover, Virginia 9 $ 86,000 $ 9,555 $ 33,000
Stafford, Virginia 9 $ 69,000 $ 7,666 $ 53,000
Pierce, Washington 9 $ 67,000 $ 7,444 $ 31,000
Navajo, Arizona 8 $ 69,000 $ 8,625 $ 0
Monterey, California 8 $ 50,000 $ 6,250 $ 50,000
Shasta, California 8 $ 76,000 $ 9,500 $ 8,000
Tolland, Connecticut 8 $ 101,000 $ 12,625 $ 62,000
Bradford, Florida 8 $ 27,000 $ 3,375 $ 58,000
Sangamon, Illinois 8 $ 142,000 $ 17,750 $ 101,000
Floyd, Indiana 8 $ 57,000 $ 7,125 $ 17,000
Fayette, Kentucky 8 $ 26,000 $ 3,250 $ 20,000
East Baton Rouge, Louisiana 8 $ 95,000 $ 11,875 $ 32,000
St. Charles, Louisiana 8 $ 71,000 $ 8,875 $ 38,000
Washington, Maine 8 $ 35,000 $ 4,375 $ 49,000
Wicomico, Maryland 8 $ 45,000 $ 5,625 $ 85,000
Jackson, Michigan 8 $ 78,000 $ 9,750 $ 93,000
Grafton, New Hampshire 8 $ 59,000 $ 7,375 $ 119,000
Hudson, New Jersey 8 $ 97,000 $ 12,125 $ 10,000
Oneida, New York 8 $ 65,000 $ 8,125 $ 110,000
Forsyth, North Carolina 8 $ 43,000 $ 5,375 $ 34,000
Delaware, Ohio 8 $ 79,000 $ 9,875 $ 0
Wood, Ohio 8 $ 111,000 $ 13,875 $ 3,000
McClain, Oklahoma 8 $ 117,000 $ 14,625 $ 56,000
Greenville, South Carolina 8 $ 25,000 $ 3,125 $ 31,000
Sumner, Tennessee 8 $ 55,000 $ 6,875 $ 0
Ector, Texas 8 $ 88,000 $ 11,000 $ 119,000
Newport News, Virginia 8 $ 55,000 $ 6,875 $ 45,000
Washington, Wisconsin 8 $ 62,000 $ 7,750 $ 37,000
Hot Spring, Arkansas 7 $ 81,000 $ 11,571 $ 26,000
Nevada, California 7 $ 65,000 $ 9,285 $ 18,000
San Luis Obispo, California 7 $ 114,000 $ 16,285 $ 0
Sonoma, California 7 $ 116,000 $ 16,571 $ 0
Yuba, California 7 $ 58,000 $ 8,285 $ 17,000
Litchfield, Connecticut 7 $ 55,000 $ 7,857 $ 130,000
Middlesex, Connecticut 7 $ 62,000 $ 8,857 $ 112,000
Baker, Florida 7 $ 25,000 $ 3,571 $ 51,000
Charlotte, Florida 7 $ 66,000 $ 9,428 $ 52,000
Flagler, Florida 7 $ 73,000 $ 10,428 $ 34,000
Leon, Florida 7 $ 41,000 $ 5,857 $ 55,000
Douglas, Georgia 7 $ 28,000 $ 4,000 $ 47,000
Tazewell, Illinois 7 $ 41,000 $ 5,857 $ 31,000
Winnebago, Illinois 7 $ 53,000 $ 7,571 $ 18,000
Polk, Iowa 7 $ 58,000 $ 8,285 $ 16,000
Sedgwick, Kansas 7 $ 101,000 $ 14,428 $ 15,000
Kenton, Kentucky 7 $ 65,000 $ 9,285 $ 20,000
Oldham, Kentucky 7 $ 47,000 $ 6,714 $ 21,000
Somerset, Maine 7 $ 28,000 $ 4,000 $ 36,000
Cecil, Maryland 7 $ 44,000 $ 6,285 $ 162,000
Madison, Mississippi 7 $ 40,000 $ 5,714 $ 12,000
Simpson, Mississippi 7 $ 26,000 $ 3,714 $ 32,000
St. Louis City, Missouri 7 $ 37,000 $ 5,285 $ 30,000
Sarpy, Nebraska 7 $ 77,000 $ 11,000 $ 47,000
Nye, Nevada 7 $ 117,000 $ 16,714 $ 34,000
Guilford, North Carolina 7 $ 36,000 $ 5,142 $ 30,000
Harnett, North Carolina 7 $ 23,000 $ 3,285 $ 15,000
Johnston, North Carolina 7 $ 57,000 $ 8,142 $ 29,000
New Hanover, North Carolina 7 $ 48,000 $ 6,857 $ 51,000
Canadian, Oklahoma 7 $ 75,000 $ 10,714 $ 144,000
Erie, Pennsylvania 7 $ 41,000 $ 5,857 $ 68,000
Lycoming, Pennsylvania 7 $ 37,000 $ 5,285 $ 58,000
Berkeley, South Carolina 7 $ 100,000 $ 14,285 $ 0
Harrison, Texas 7 $ 36,000 $ 5,142 $ 92,000
Liberty, Texas 7 $ 86,000 $ 12,285 $ 46,000
Midland, Texas 7 $ 34,000 $ 4,857 $ 89,000
Parker, Texas 7 $ 39,000 $ 5,571 $ 98,000
Warren, Virginia 7 $ 74,000 $ 10,571 $ 0
Cowlitz, Washington 7 $ 46,000 $ 6,571 $ 0
Madison, Alabama 6 $ 43,000 $ 7,166 $ 26,000
Calaveras, California 6 $ 74,000 $ 12,333 $ 9,000
Madera, California 6 $ 60,000 $ 10,000 $ 52,000
Napa, California 6 $ 59,000 $ 9,833 $ 98,000
Yolo, California 6 $ 44,000 $ 7,333 $ 39,000
Peoria, Illinois 6 $ 32,000 $ 5,333 $ 103,000
Piatt, Illinois 6 $ 50,000 $ 8,333 $ 7,000
Plaquemines, Louisiana 6 $ 64,000 $ 10,666 $ 21,000
Waldo, Maine 6 $ 25,000 $ 4,166 $ 53,000
Calvert, Maryland 6 $ 88,000 $ 14,666 $ 33,000
Charles, Maryland 6 $ 46,000 $ 7,666 $ 25,000
Calhoun, Michigan 6 $ 61,000 $ 10,166 $ 10,000
Pearl River, Mississippi 6 $ 182,000 $ 30,333 $ 16,000
Johnson, Missouri 6 $ 40,000 $ 6,666 $ 111,000
Yellowstone, Montana 6 $ 35,000 $ 5,833 $ 0
Lancaster, Nebraska 6 $ 55,000 $ 9,166 $ 0
Belknap, New Hampshire 6 $ 69,000 $ 11,500 $ 50,000
Cheshire, New Hampshire 6 $ 53,000 $ 8,833 $ 69,000
Atlantic, New Jersey 6 $ 66,000 $ 11,000 $ 26,000
Warren, New Jersey 6 $ 43,000 $ 7,166 $ 52,000
Otero, New Mexico 6 $ 22,000 $ 3,666 $ 54,000
Sandoval, New Mexico 6 $ 29,000 $ 4,833 $ 66,000
Washington, New York 6 $ 50,000 $ 8,333 $ 39,000
Brunswick, North Carolina 6 $ 29,000 $ 4,833 $ 28,000
Catawba, North Carolina 6 $ 34,000 $ 5,666 $ 12,000
Union, North Carolina 6 $ 99,000 $ 16,500 $ 33,000
Grady, Oklahoma 6 $ 89,000 $ 14,833 $ 51,000
Lane, Oregon 6 $ 34,000 $ 5,666 $ 59,000
Washington, Rhode Island 6 $ 30,000 $ 5,000 $ 46,000
Aiken, South Carolina 6 $ 72,000 $ 12,000 $ 63,000
Horry, South Carolina 6 $ 71,000 $ 11,833 $ 64,000
Pickens, South Carolina 6 $ 22,000 $ 3,666 $ 51,000
Spartanburg, South Carolina 6 $ 37,000 $ 6,166 $ 23,000
York, South Carolina 6 $ 27,000 $ 4,500 $ 11,000
Pennington, South Dakota 6 $ 36,000 $ 6,000 $ 0
Atascosa, Texas 6 $ 34,000 $ 5,666 $ 220,000
Fannin, Texas 6 $ 46,000 $ 7,666 $ 126,000
Jefferson, Texas 6 $ 92,000 $ 15,333 $ 29,000
Panola, Texas 6 $ 39,000 $ 6,500 $ 84,000
San Jacinto, Texas 6 $ 41,000 $ 6,833 $ 105,000
Spotsylvania, Virginia 6 $ 92,000 $ 15,333 $ 57,000
Virginia Beach, Virginia 6 $ 51,000 $ 8,500 $ 17,000
Franklin, Washington 6 $ 28,000 $ 4,666 $ 0
Kitsap, Washington 6 $ 54,000 $ 9,000 $ 0
McDowell, West Virginia 6 $ 42,000 $ 7,000 $ 60,000
Baldwin, Alabama 5 $ 57,000 $ 11,400 $ 9,000
Cleveland, Arkansas 5 $ 19,000 $ 3,800 $ 42,000
Crawford, Arkansas 5 $ 27,000 $ 5,400 $ 55,000
Johnson, Arkansas 5 $ 20,000 $ 4,000 $ 36,000
Lonoke, Arkansas 5 $ 70,000 $ 14,000 $ 22,000
Mendocino, California 5 $ 42,000 $ 8,400 $ 62,000
San Mateo, California 5 $ 52,000 $ 10,400 $ 14,000
Santa Barbara, California 5 $ 73,000 $ 14,600 $ 3,000
Tehama, California 5 $ 55,000 $ 11,000 $ 0
Dixie, Florida 5 $ 31,000 $ 6,200 $ 8,000
Highlands, Florida 5 $ 22,000 $ 4,400 $ 48,000
Martin, Florida 5 $ 43,000 $ 8,600 $ 12,000
Effingham, Georgia 5 $ 45,000 $ 9,000 $ 13,000
Hall, Georgia 5 $ 39,000 $ 7,800 $ 36,000
Newton, Georgia 5 $ 31,000 $ 6,200 $ 24,000
Paulding, Georgia 5 $ 19,000 $ 3,800 $ 23,000
Walton, Georgia 5 $ 21,000 $ 4,200 $ 74,000
Logan, Illinois 5 $ 39,000 $ 7,800 $ 22,000
Woodford, Illinois 5 $ 57,000 $ 11,400 $ 40,000
Porter, Indiana 5 $ 32,000 $ 6,400 $ 0
Wyandotte, Kansas 5 $ 49,000 $ 9,800 $ 15,000
Acadia, Louisiana 5 $ 55,000 $ 11,000 $ 50,000
Calcasieu, Louisiana 5 $ 141,000 $ 28,200 $ 17,000
Lafourche, Louisiana 5 $ 49,000 $ 9,800 $ 50,000
Webster, Louisiana 5 $ 50,000 $ 10,000 $ 19,000
Harford, Maryland 5 $ 25,000 $ 5,000 $ 14,000
Somerset, Maryland 5 $ 31,000 $ 6,200 $ 88,000
Bay, Michigan 5 $ 30,000 $ 6,000 $ 0
Kalamazoo, Michigan 5 $ 30,000 $ 6,000 $ 0
Lenawee, Michigan 5 $ 29,000 $ 5,800 $ 0
Muskegon, Michigan 5 $ 27,000 $ 5,400 $ 0
Saginaw, Michigan 5 $ 32,000 $ 6,400 $ 0
Platte, Missouri 5 $ 41,000 $ 8,200 $ 18,000
St. Charles, Missouri 5 $ 14,000 $ 2,800 $ 46,000
Carroll, New Hampshire 5 $ 23,000 $ 4,600 $ 398,000
Grant, New Mexico 5 $ 16,000 $ 3,200 $ 58,000
Rockland, New York 5 $ 40,000 $ 8,000 $ 52,000
Ulster, New York 5 $ 44,000 $ 8,800 $ 46,000
Henderson, North Carolina 5 $ 33,000 $ 6,600 $ 285,000
Hoke, North Carolina 5 $ 29,000 $ 5,800 $ 42,000
Champaign, Ohio 5 $ 24,000 $ 4,800 $ 0
Lake, Ohio 5 $ 69,000 $ 13,800 $ 0
Licking, Ohio 5 $ 37,000 $ 7,400 $ 0
Miami, Ohio 5 $ 47,000 $ 9,400 $ 0
Rogers, Oklahoma 5 $ 75,000 $ 15,000 $ 24,000
Greene, Pennsylvania 5 $ 30,000 $ 6,000 $ 72,000
Northumberland, Pennsylvania 5 $ 39,000 $ 7,800 $ 42,000
Pike, Pennsylvania 5 $ 72,000 $ 14,400 $ 90,000
Washington, Pennsylvania 5 $ 27,000 $ 5,400 $ 66,000
Hampton, South Carolina 5 $ 30,000 $ 6,000 $ 10,000
Dimmit, Texas 5 $ 22,000 $ 4,400 $ 69,000
Hockley, Texas 5 $ 92,000 $ 18,400 $ 112,000
Hood, Texas 5 $ 34,000 $ 6,800 $ 37,000
Hopkins, Texas 5 $ 58,000 $ 11,600 $ 31,000
Madison, Texas 5 $ 35,000 $ 7,000 $ 54,000
Starr, Texas 5 $ 13,000 $ 2,600 $ 57,000
Terry, Texas 5 $ 17,000 $ 3,400 $ 31,000
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Mortgage Loan Application Detail Totals for Citizens State Bank in 2014

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 Improvement 12,838 $105,492,000 $8,000 $121,000 $35,000 $2,400,000
Home Purchase 169 $7,938,000 $46,000 $122,000 $0 $0
Refinancing 3 $2,484,000 $828,000 $2,113,000 $10,000 $31,000

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
Not applicable 7,745 $83,723,000 $10,000 $2,113,000 $0 $0
Not Provided 4,320 $24,688,000 $5,000 $100,000 $81,000 $2,400,000
White 718 $5,629,000 $7,000 $121,000 $112,000 $1,440,000
Black or African American 129 $938,000 $7,000 $30,000 $84,000 $1,164,000
Hispanic 63 $538,000 $8,000 $35,000 $132,000 $2,142,000
Asian 24 $266,000 $11,000 $30,000 $125,000 $1,440,000
American Indian or Alaskan Native 11 $132,000 $12,000 $39,000 $216,000 $1,494,000
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) 13,010 $115,914,000 $8,000 $2,113,000 $35,000 $2,400,000
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 Purchased By The Institution 7,742 $81,218,000 $10,000 $122,000 $0 $0
Application Denied By Financial Institution 3,076 $19,139,000 $6,000 $121,000 $78,000 $1,896,000
Loan Originated 1,562 $10,530,000 $6,000 $2,113,000 $92,000 $1,560,000
Application Withdrawn By Applicant 436 $3,223,000 $7,000 $42,000 $112,000 $2,400,000
File Closed For Incompleteness 192 $1,796,000 $9,000 $35,000 $121,000 $1,884,000
Application Approved But Not Accepted 2 $8,000 $4,000 $6,000 $25,000 $28,000
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
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 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 State Bank's 2014 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 State 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.
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