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Act (HMDA) records Citizens State Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 546 | $ 5,100,000 | $ 9,340 | $ 19,000 |
| Phoenix-Mesa-Scottsdale, AZ | 294 | $ 2,909,000 | $ 9,894 | $ 8,000 |
| Houston-The Woodlands-Sugar Land, TX | 249 | $ 1,717,000 | $ 6,895 | $ 77,000 |
| Fort Worth-Arlington, TX | 239 | $ 1,736,000 | $ 7,263 | $ 23,000 |
| Atlanta-Sandy Springs-Roswell, GA | 230 | $ 1,863,000 | $ 8,100 | $ 14,000 |
| Los Angeles-Long Beach-Glendale, CA | 230 | $ 2,594,000 | $ 11,278 | $ 14,000 |
| Jacksonville, FL | 220 | $ 1,650,000 | $ 7,500 | $ 38,000 |
| Montgomery County-Bucks County-Chester County, PA | 216 | $ 2,108,000 | $ 9,759 | $ 53,000 |
| Chicago-Naperville-Arlington Heights, IL | 209 | $ 1,365,000 | $ 6,531 | $ 37,000 |
| Las Vegas-Henderson-Paradise, NV | 203 | $ 2,627,000 | $ 12,940 | $ 13,000 |
| New York-Jersey City-White Plains, NY-NJ | 193 | $ 1,635,000 | $ 8,471 | $ 42,005 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 192 | $ 1,796,000 | $ 9,354 | $ 32,828 |
| Riverside-San Bernardino-Ontario, CA | 171 | $ 1,945,000 | $ 11,374 | $ 29,000 |
| Warren-Troy-Farmington Hills, MI | 153 | $ 1,283,000 | $ 8,385 | $ 16,000 |
| Kansas City, MO-KS | 151 | $ 1,246,000 | $ 8,251 | $ 8,933 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 148 | $ 1,674,000 | $ 11,310 | $ 8,878 |
| Camden, NJ | 141 | $ 1,293,000 | $ 9,170 | $ 42,000 |
| Columbia, SC | 140 | $ 1,128,000 | $ 8,057 | $ 2,000 |
| Nassau County-Suffolk County, NY | 140 | $ 1,293,000 | $ 9,235 | $ 149,000 |
| San Diego-Carlsbad, CA | 140 | $ 1,739,000 | $ 12,421 | $ 8,000 |
| Albany-Schenectady-Troy, NY | 132 | $ 1,072,000 | $ 8,121 | $ 6,000 |
| Tampa-St. Petersburg-Clearwater, FL | 132 | $ 1,080,000 | $ 8,181 | $ 32,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 128 | $ 984,000 | $ 7,687 | $ 3,000 |
| Raleigh, NC | 118 | $ 956,000 | $ 8,101 | $ 21,000 |
| Denver-Aurora-Lakewood, CO | 117 | $ 1,020,000 | $ 8,717 | $ 41,000 |
| Oakland-Hayward-Berkeley, CA | 115 | $ 1,254,000 | $ 10,904 | $ 28,000 |
| San Antonio-New Braunfels, TX | 107 | $ 808,000 | $ 7,551 | $ 51,000 |
| Anaheim-Santa Ana-Irvine, CA | 105 | $ 1,271,000 | $ 12,104 | $ 16,000 |
| Salt Lake City, UT | 105 | $ 812,000 | $ 7,733 | $ 29,000 |
| St. Louis, MO-IL | 102 | $ 532,000 | $ 5,215 | $ 74,921 |
| El Paso, TX | 95 | $ 413,000 | $ 4,347 | $ 61,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 95 | $ 973,000 | $ 10,242 | $ 33,000 |
| Baltimore-Columbia-Towson, MD | 94 | $ 942,000 | $ 10,021 | $ 20,000 |
| Oklahoma City, OK | 94 | $ 887,000 | $ 9,436 | $ 34,000 |
| Ogden-Clearfield, UT | 93 | $ 761,000 | $ 8,182 | $ 6,000 |
| Philadelphia, PA | 93 | $ 972,000 | $ 10,451 | $ 40,000 |
| Orlando-Kissimmee-Sanford, FL | 90 | $ 762,000 | $ 8,466 | $ 28,000 |
| Richmond, VA | 90 | $ 662,000 | $ 7,355 | $ 42,000 |
| Tucson, AZ | 89 | $ 816,000 | $ 9,168 | $ 21,000 |
| Austin-Round Rock, TX | 86 | $ 649,000 | $ 7,546 | $ 28,000 |
| Modesto, CA | 84 | $ 1,094,000 | $ 13,023 | $ 7,000 |
| New Orleans-Metairie, LA | 83 | $ 842,000 | $ 10,144 | $ 33,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 82 | $ 669,000 | $ 8,158 | $ 86,292 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 80 | $ 628,000 | $ 7,850 | $ 1,000 |
| Louisville/Jefferson County, KY-IN | 78 | $ 535,000 | $ 6,858 | $ 27,025 |
| Hartford-West Hartford-East Hartford, CT | 77 | $ 673,000 | $ 8,740 | $ 106,000 |
| Ocala, FL | 72 | $ 561,000 | $ 7,791 | $ 15,000 |
| Dayton, OH | 71 | $ 509,000 | $ 7,169 | $ 0 |
| Cincinnati, OH-KY-IN | 70 | $ 496,000 | $ 7,085 | $ 11,371 |
| Milwaukee-Waukesha-West Allis, WI | 70 | $ 569,000 | $ 8,128 | $ 4,000 |
| Stockton-Lodi, CA | 70 | $ 653,000 | $ 9,328 | $ 39,000 |
| Shreveport-Bossier City, LA | 69 | $ 668,000 | $ 9,681 | $ 36,000 |
| Charlotte-Concord-Gastonia, NC-SC | 67 | $ 551,000 | $ 8,223 | $ 30,194 |
| Newark, NJ-PA | 67 | $ 621,000 | $ 9,268 | $ 75,194 |
| Detroit-Dearborn-Livonia, MI | 65 | $ 539,000 | $ 8,292 | $ 10,000 |
| Indianapolis-Carmel-Anderson, IN | 62 | $ 445,000 | $ 7,177 | $ 7,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 59 | $ 451,000 | $ 7,644 | $ 13,000 |
| Charleston-North Charleston, SC | 58 | $ 650,000 | $ 11,206 | $ 3,000 |
| Memphis, TN-MS-AR | 57 | $ 334,000 | $ 5,859 | $ 7,561 |
| Lakeland-Winter Haven, FL | 56 | $ 314,000 | $ 5,607 | $ 31,000 |
| Little Rock-North Little Rock-Conway, AR | 54 | $ 432,000 | $ 8,000 | $ 52,000 |
| Silver Spring-Frederick-Rockville, MD | 54 | $ 497,000 | $ 9,203 | $ 33,000 |
| Reading, PA | 52 | $ 410,000 | $ 7,884 | $ 61,000 |
| Provo-Orem, UT | 51 | $ 371,000 | $ 7,274 | $ 17,000 |
| Birmingham-Hoover, AL | 50 | $ 455,000 | $ 9,100 | $ 9,000 |
| Gainesville, FL | 50 | $ 246,000 | $ 4,920 | $ 44,000 |
| Pittsburgh, PA | 50 | $ 320,000 | $ 6,400 | $ 62,000 |
| Boise City, ID | 49 | $ 293,000 | $ 5,979 | $ 30,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 48 | $ 331,000 | $ 6,895 | $ 25,500 |
| Roanoke, VA | 48 | $ 430,000 | $ 8,958 | $ 17,000 |
| Jackson, MS | 47 | $ 381,000 | $ 8,106 | $ 14,000 |
| Palm Bay-Melbourne-Titusville, FL | 45 | $ 321,000 | $ 7,133 | $ 10,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 45 | $ 379,000 | $ 8,422 | $ 70,133 |
| Wilmington, DE-MD-NJ | 45 | $ 404,000 | $ 8,977 | $ 70,555 |
| Seattle-Bellevue-Everett, WA | 44 | $ 251,000 | $ 5,704 | $ 38,000 |
| Albuquerque, NM | 43 | $ 209,000 | $ 4,860 | $ 49,000 |
| Fresno, CA | 42 | $ 532,000 | $ 12,666 | $ 29,000 |
| Harrisburg-Carlisle, PA | 42 | $ 385,000 | $ 9,166 | $ 111,000 |
| New Haven-Milford, CT | 40 | $ 387,000 | $ 9,675 | $ 101,000 |
| Portland-South Portland, ME | 40 | $ 225,000 | $ 5,625 | $ 115,000 |
| Lancaster, PA | 38 | $ 361,000 | $ 9,500 | $ 112,000 |
| Savannah, GA | 38 | $ 286,000 | $ 7,526 | $ 2,000 |
| Bakersfield, CA | 37 | $ 431,000 | $ 11,648 | $ 51,000 |
| Fort Wayne, IN | 37 | $ 294,000 | $ 7,945 | $ 1,000 |
| Lubbock, TX | 37 | $ 151,000 | $ 4,081 | $ 96,000 |
| Rockingham County-Strafford County, NH | 37 | $ 328,000 | $ 8,864 | $ 74,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 36 | $ 327,000 | $ 9,083 | $ 41,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 36 | $ 434,000 | $ 12,055 | $ 40,000 |
| Visalia-Porterville, CA | 35 | $ 469,000 | $ 13,400 | $ 18,000 |
| Colorado Springs, CO | 34 | $ 243,000 | $ 7,147 | $ 56,000 |
| Columbus, OH | 34 | $ 274,000 | $ 8,058 | $ 5,000 |
| Manchester-Nashua, NH | 34 | $ 314,000 | $ 9,235 | $ 136,000 |
| Durham-Chapel Hill, NC | 33 | $ 269,000 | $ 8,151 | $ 9,000 |
| Providence-Warwick, RI-MA | 33 | $ 237,000 | $ 7,181 | $ 96,000 |
| Syracuse, NY | 32 | $ 174,000 | $ 5,437 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 31 | $ 327,000 | $ 10,548 | $ 8,000 |
| Tulsa, OK | 29 | $ 240,000 | $ 8,275 | $ 19,000 |
| Cambridge-Newton-Framingham, MA | 28 | $ 224,000 | $ 8,000 | $ 56,000 |
| Lake County-Kenosha County, IL-WI | 28 | $ 223,000 | $ 7,964 | $ 63,571 |
| South Bend-Mishawaka, IN-MI | 28 | $ 187,000 | $ 6,678 | $ 3,142 |
| Trenton, NJ | 28 | $ 205,000 | $ 7,321 | $ 41,000 |
| Yuma, AZ | 28 | $ 363,000 | $ 12,964 | $ 0 |
| Bangor, ME | 27 | $ 174,000 | $ 6,444 | $ 66,000 |
| Champaign-Urbana, IL | 27 | $ 202,000 | $ 7,481 | $ 10,000 |
| Knoxville, TN | 27 | $ 253,000 | $ 9,370 | $ 0 |
| Longview, TX | 27 | $ 149,000 | $ 5,518 | $ 61,000 |
| Miami-Miami Beach-Kendall, FL | 27 | $ 279,000 | $ 10,333 | $ 28,000 |
| Omaha-Council Bluffs, NE-IA | 27 | $ 221,000 | $ 8,185 | $ 45,666 |
| Cape Coral-Fort Myers, FL | 26 | $ 316,000 | $ 12,153 | $ 23,000 |
| Greenville-Anderson-Mauldin, SC | 26 | $ 96,000 | $ 3,692 | $ 36,000 |
| Boston, MA | 25 | $ 244,000 | $ 9,760 | $ 45,000 |
| Grand Island, NE | 25 | $ 156,000 | $ 6,240 | $ 0 |
| Valdosta, GA | 25 | $ 149,000 | $ 5,960 | $ 58,000 |
| Elgin, IL | 24 | $ 148,000 | $ 6,166 | $ 17,000 |
| Gary, IN | 24 | $ 151,000 | $ 6,291 | $ 24,000 |
| North Port-Sarasota-Bradenton, FL | 24 | $ 166,000 | $ 6,916 | $ 9,000 |
| Akron, OH | 23 | $ 150,000 | $ 6,521 | $ 11,000 |
| Brownsville-Harlingen, TX | 23 | $ 66,000 | $ 2,869 | $ 39,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 23 | $ 158,000 | $ 6,869 | $ 8,000 |
| Cleveland-Elyria, OH | 23 | $ 205,000 | $ 8,913 | $ 4,000 |
| York-Hanover, PA | 23 | $ 175,000 | $ 7,608 | $ 74,000 |
| Charleston, WV | 22 | $ 132,000 | $ 6,000 | $ 10,000 |
| Lafayette, LA | 22 | $ 245,000 | $ 11,136 | $ 83,000 |
| Mobile, AL | 22 | $ 207,000 | $ 9,409 | $ 5,000 |
| Fayetteville, NC | 21 | $ 172,000 | $ 8,190 | $ 14,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 21 | $ 238,000 | $ 11,333 | $ 1,000 |
| Lake Havasu City-Kingman, AZ | 21 | $ 206,000 | $ 9,809 | $ 19,000 |
| Toledo, OH | 21 | $ 206,000 | $ 9,809 | $ 1,000 |
| Vallejo-Fairfield, CA | 21 | $ 151,000 | $ 7,190 | $ 40,000 |
| Worcester, MA-CT | 21 | $ 269,000 | $ 12,809 | $ 49,000 |
| Bridgeport-Stamford-Norwalk, CT | 20 | $ 189,000 | $ 9,450 | $ 90,000 |
| Huntington-Ashland, WV-KY-OH | 20 | $ 131,000 | $ 6,550 | $ 5,550 |
| Panama City, FL | 20 | $ 187,000 | $ 9,350 | $ 53,000 |
| Salisbury, MD-DE | 20 | $ 150,000 | $ 7,500 | $ 68,400 |
| Augusta-Richmond County, GA-SC | 19 | $ 169,000 | $ 8,894 | $ 39,157 |
| Baton Rouge, LA | 19 | $ 510,000 | $ 26,842 | $ 21,000 |
| Las Cruces, NM | 19 | $ 70,000 | $ 3,684 | $ 126,000 |
| Peoria, IL | 19 | $ 140,000 | $ 7,368 | $ 56,000 |
| Sherman-Denison, TX | 19 | $ 144,000 | $ 7,578 | $ 77,000 |
| Springfield, MA | 19 | $ 147,000 | $ 7,736 | $ 36,000 |
| Springfield, OH | 19 | $ 138,000 | $ 7,263 | $ 0 |
| Asheville, NC | 18 | $ 136,000 | $ 7,555 | $ 126,000 |
| Boulder, CO | 18 | $ 201,000 | $ 11,166 | $ 0 |
| Corpus Christi, TX | 18 | $ 128,000 | $ 7,111 | $ 46,000 |
| East Stroudsburg, PA | 18 | $ 140,000 | $ 7,777 | $ 91,000 |
| Homosassa Springs, FL | 18 | $ 161,000 | $ 8,944 | $ 46,000 |
| Merced, CA | 18 | $ 136,000 | $ 7,555 | $ 21,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 18 | $ 134,000 | $ 7,444 | $ 80,000 |
| Grand Rapids-Wyoming, MI | 17 | $ 147,000 | $ 8,647 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 17 | $ 180,000 | $ 10,588 | $ 8,000 |
| Winston-Salem, NC | 17 | $ 80,000 | $ 4,705 | $ 31,000 |
| Greeley, CO | 16 | $ 136,000 | $ 8,500 | $ 21,000 |
| Hanford-Corcoran, CA | 16 | $ 185,000 | $ 11,562 | $ 15,000 |
| Hinesville, GA | 16 | $ 126,000 | $ 7,875 | $ 10,000 |
| Spokane-Spokane Valley, WA | 16 | $ 95,000 | $ 5,937 | $ 45,000 |
| Lansing-East Lansing, MI | 15 | $ 122,000 | $ 8,133 | $ 1,000 |
| McAllen-Edinburg-Mission, TX | 15 | $ 101,000 | $ 6,733 | $ 57,000 |
| Tallahassee, FL | 15 | $ 92,000 | $ 6,133 | $ 56,000 |
| Tyler, TX | 15 | $ 129,000 | $ 8,600 | $ 56,000 |
| Columbia, MO | 14 | $ 114,000 | $ 8,142 | $ 15,000 |
| Flint, MI | 14 | $ 101,000 | $ 7,214 | $ 2,000 |
| Killeen-Temple, TX | 14 | $ 89,000 | $ 6,357 | $ 12,000 |
| Lexington-Fayette, KY | 14 | $ 98,000 | $ 7,000 | $ 17,000 |
| Pine Bluff, AR | 14 | $ 85,000 | $ 6,071 | $ 26,000 |
| Port St. Lucie, FL | 14 | $ 101,000 | $ 7,214 | $ 18,000 |
| Sumter, SC | 14 | $ 159,000 | $ 11,357 | $ 50,000 |
| Lebanon, PA | 13 | $ 91,000 | $ 7,000 | $ 231,000 |
| Norwich-New London, CT | 13 | $ 115,000 | $ 8,846 | $ 102,000 |
| Dutchess County-Putnam County, NY | 12 | $ 82,000 | $ 6,833 | $ 69,000 |
| Elkhart-Goshen, IN | 12 | $ 89,000 | $ 7,416 | $ 0 |
| Greensboro-High Point, NC | 12 | $ 78,000 | $ 6,500 | $ 40,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 12 | $ 100,000 | $ 8,333 | $ 46,000 |
| Naples-Immokalee-Marco Island, FL | 12 | $ 91,000 | $ 7,583 | $ 7,000 |
| Reno, NV | 12 | $ 96,000 | $ 8,000 | $ 45,000 |
| Beaumont-Port Arthur, TX | 11 | $ 165,000 | $ 15,000 | $ 34,000 |
| Bloomington, IN | 11 | $ 90,000 | $ 8,181 | $ 0 |
| Chico, CA | 11 | $ 86,000 | $ 7,818 | $ 10,000 |
| Fort Smith, AR-OK | 11 | $ 46,000 | $ 4,181 | $ 57,454 |
| Niles-Benton Harbor, MI | 11 | $ 86,000 | $ 7,818 | $ 7,000 |
| Salem, OR | 11 | $ 100,000 | $ 9,090 | $ 9,000 |
| Yuba City, CA | 11 | $ 99,000 | $ 9,000 | $ 33,000 |
| Ann Arbor, MI | 10 | $ 50,000 | $ 5,000 | $ 22,000 |
| Hammond, LA | 10 | $ 95,000 | $ 9,500 | $ 37,000 |
| Kennewick-Richland, WA | 10 | $ 52,000 | $ 5,200 | $ 0 |
| Prescott, AZ | 10 | $ 113,000 | $ 11,300 | $ 8,000 |
| Racine, WI | 10 | $ 92,000 | $ 9,200 | $ 0 |
| Waco, TX | 10 | $ 57,000 | $ 5,700 | $ 20,000 |
| Chambersburg-Waynesboro, PA | 9 | $ 96,000 | $ 10,666 | $ 53,000 |
| Huntsville, AL | 9 | $ 67,000 | $ 7,444 | $ 25,000 |
| Lewiston-Auburn, ME | 9 | $ 53,000 | $ 5,888 | $ 156,000 |
| Rochester, NY | 9 | $ 83,000 | $ 9,222 | $ 8,000 |
| Sierra Vista-Douglas, AZ | 9 | $ 102,000 | $ 11,333 | $ 6,000 |
| Tacoma-Lakewood, WA | 9 | $ 67,000 | $ 7,444 | $ 31,000 |
| The Villages, FL | 9 | $ 66,000 | $ 7,333 | $ 12,000 |
| Utica-Rome, NY | 9 | $ 72,000 | $ 8,000 | $ 108,000 |
| Vineland-Bridgeton, NJ | 9 | $ 80,000 | $ 8,888 | $ 150,000 |
| Wichita, KS | 9 | $ 122,000 | $ 13,555 | $ 23,000 |
| Wilmington, NC | 9 | $ 60,000 | $ 6,666 | $ 47,000 |
| Youngstown-Warren-Boardman, OH-PA | 9 | $ 104,000 | $ 11,555 | $ 15,333 |
| Evansville, IN-KY | 8 | $ 66,000 | $ 8,250 | $ 1,500 |
| Fayetteville-Springdale-Rogers, AR-MO | 8 | $ 129,000 | $ 16,125 | $ 17,000 |
| Glens Falls, NY | 8 | $ 64,000 | $ 8,000 | $ 38,000 |
| Hickory-Lenoir-Morganton, NC | 8 | $ 41,000 | $ 5,125 | $ 29,000 |
| Jackson, MI | 8 | $ 78,000 | $ 9,750 | $ 93,000 |
| Odessa, TX | 8 | $ 88,000 | $ 11,000 | $ 119,000 |
| Redding, CA | 8 | $ 76,000 | $ 9,500 | $ 8,000 |
| Salinas, CA | 8 | $ 50,000 | $ 6,250 | $ 50,000 |
| Springfield, IL | 8 | $ 142,000 | $ 17,750 | $ 101,000 |
| Chattanooga, TN-GA | 7 | $ 83,000 | $ 11,857 | $ 29,428 |
| College Station-Bryan, TX | 7 | $ 25,000 | $ 3,571 | $ 102,000 |
| Des Moines-West Des Moines, IA | 7 | $ 58,000 | $ 8,285 | $ 16,000 |
| Erie, PA | 7 | $ 41,000 | $ 5,857 | $ 68,000 |
| Houma-Thibodaux, LA | 7 | $ 61,000 | $ 8,714 | $ 44,000 |
| Kalamazoo-Portage, MI | 7 | $ 57,000 | $ 8,142 | $ 0 |
| Longview, WA | 7 | $ 46,000 | $ 6,571 | $ 0 |
| Midland, TX | 7 | $ 34,000 | $ 4,857 | $ 89,000 |
| Punta Gorda, FL | 7 | $ 66,000 | $ 9,428 | $ 52,000 |
| Rockford, IL | 7 | $ 53,000 | $ 7,571 | $ 18,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 7 | $ 114,000 | $ 16,285 | $ 0 |
| Santa Rosa, CA | 7 | $ 116,000 | $ 16,571 | $ 0 |
| Spartanburg, SC | 7 | $ 43,000 | $ 6,142 | $ 25,000 |
| Williamsport, PA | 7 | $ 37,000 | $ 5,285 | $ 58,000 |
| Amarillo, TX | 6 | $ 35,000 | $ 5,833 | $ 67,000 |
| Atlantic City-Hammonton, NJ | 6 | $ 66,000 | $ 11,000 | $ 26,000 |
| Battle Creek, MI | 6 | $ 61,000 | $ 10,166 | $ 10,000 |
| Billings, MT | 6 | $ 35,000 | $ 5,833 | $ 0 |
| Bremerton-Silverdale, WA | 6 | $ 54,000 | $ 9,000 | $ 0 |
| Eugene, OR | 6 | $ 34,000 | $ 5,666 | $ 59,000 |
| Gulfport-Biloxi-Pascagoula, MS | 6 | $ 189,000 | $ 31,500 | $ 23,000 |
| Lake Charles, LA | 6 | $ 255,000 | $ 42,500 | $ 14,000 |
| Lincoln, NE | 6 | $ 55,000 | $ 9,166 | $ 0 |
| Madera, CA | 6 | $ 60,000 | $ 10,000 | $ 52,000 |
| Napa, CA | 6 | $ 59,000 | $ 9,833 | $ 98,000 |
| Rapid City, SD | 6 | $ 36,000 | $ 6,000 | $ 0 |
| Wichita Falls, TX | 6 | $ 52,000 | $ 8,666 | $ 48,000 |
| Bay City, MI | 5 | $ 30,000 | $ 6,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 5 | $ 57,000 | $ 11,400 | $ 9,000 |
| Gainesville, GA | 5 | $ 39,000 | $ 7,800 | $ 36,000 |
| Kingston, NY | 5 | $ 44,000 | $ 8,800 | $ 46,000 |
| Madison, WI | 5 | $ 36,000 | $ 7,200 | $ 11,000 |
| Muskegon, MI | 5 | $ 27,000 | $ 5,400 | $ 0 |
| Olympia-Tumwater, WA | 5 | $ 30,000 | $ 6,000 | $ 24,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 24,000 | $ 4,800 | $ 26,000 |
| Saginaw, MI | 5 | $ 32,000 | $ 6,400 | $ 0 |
| Santa Maria-Santa Barbara, CA | 5 | $ 73,000 | $ 14,600 | $ 3,000 |
| Sebring, FL | 5 | $ 22,000 | $ 4,400 | $ 48,000 |
| Albany, OR | 4 | $ 30,000 | $ 7,500 | $ 0 |
| Altoona, PA | 4 | $ 29,000 | $ 7,250 | $ 60,000 |
| Bellingham, WA | 4 | $ 24,000 | $ 6,000 | $ 0 |
| Bloomington, IL | 4 | $ 29,000 | $ 7,250 | $ 0 |
| Burlington, NC | 4 | $ 33,000 | $ 8,250 | $ 21,000 |
| Canton-Massillon, OH | 4 | $ 37,000 | $ 9,250 | $ 9,000 |
| Charlottesville, VA | 4 | $ 27,000 | $ 6,750 | $ 32,000 |
| Coeur D'Alene, ID | 4 | $ 32,000 | $ 8,000 | $ 34,000 |
| Columbus, GA-AL | 4 | $ 39,000 | $ 9,750 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 42,000 | $ 10,500 | $ 240,000 |
| Dover, DE | 4 | $ 37,000 | $ 9,250 | $ 12,000 |
| Elizabethtown-Fort Knox, KY | 4 | $ 24,000 | $ 6,000 | $ 0 |
| Farmington, NM | 4 | $ 41,000 | $ 10,250 | $ 84,000 |
| Florence, SC | 4 | $ 75,000 | $ 18,750 | $ 21,000 |
| Gettysburg, PA | 4 | $ 48,000 | $ 12,000 | $ 40,000 |
| Hot Springs, AR | 4 | $ 27,000 | $ 6,750 | $ 0 |
| Jonesboro, AR | 4 | $ 24,000 | $ 6,000 | $ 28,000 |
| Lawton, OK | 4 | $ 125,000 | $ 31,250 | $ 31,000 |
| Monroe, MI | 4 | $ 29,000 | $ 7,250 | $ 0 |
| Morristown, TN | 4 | $ 35,000 | $ 8,750 | $ 25,000 |
| Rochester, MN | 4 | $ 29,000 | $ 7,250 | $ 0 |
| San Rafael, CA | 4 | $ 38,000 | $ 9,500 | $ 0 |
| Texarkana, TX-AR | 4 | $ 25,000 | $ 6,250 | $ 59,750 |
| Victoria, TX | 4 | $ 26,000 | $ 6,500 | $ 31,000 |
| Winchester, VA-WV | 4 | $ 20,000 | $ 5,000 | $ 21,000 |
| Abilene, TX | 3 | $ 14,000 | $ 4,666 | $ 125,000 |
| Alexandria, LA | 3 | $ 100,000 | $ 33,333 | $ 38,000 |
| Blacksburg-Christiansburg-Radford, VA | 3 | $ 32,000 | $ 10,666 | $ 17,000 |
| Dothan, AL | 3 | $ 36,000 | $ 12,000 | $ 56,000 |
| Fort Collins, CO | 3 | $ 44,000 | $ 14,666 | $ 0 |
| Gadsden, AL | 3 | $ 3,000 | $ 1,000 | $ 49,000 |
| Idaho Falls, ID | 3 | $ 15,000 | $ 5,000 | $ 0 |
| Ithaca, NY | 3 | $ 17,000 | $ 5,666 | $ 62,000 |
| Janesville-Beloit, WI | 3 | $ 45,000 | $ 15,000 | $ 20,000 |
| Jefferson City, MO | 3 | $ 15,000 | $ 5,000 | $ 12,000 |
| Joplin, MO | 3 | $ 17,000 | $ 5,666 | $ 24,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 16,000 | $ 5,333 | $ 28,000 |
| Lynchburg, VA | 3 | $ 34,000 | $ 11,333 | $ 0 |
| Macon, GA | 3 | $ 29,000 | $ 9,666 | $ 28,000 |
| Medford, OR | 3 | $ 22,000 | $ 7,333 | $ 0 |
| Midland, MI | 3 | $ 23,000 | $ 7,666 | $ 0 |
| Ocean City, NJ | 3 | $ 26,000 | $ 8,666 | $ 81,000 |
| Parkersburg-Vienna, WV | 3 | $ 33,000 | $ 11,000 | $ 16,000 |
| Pueblo, CO | 3 | $ 29,000 | $ 9,666 | $ 6,000 |
| Rome, GA | 3 | $ 14,000 | $ 4,666 | $ 53,000 |
| Barnstable Town, MA | 2 | $ 9,000 | $ 4,500 | $ 22,000 |
| Binghamton, NY | 2 | $ 20,000 | $ 10,000 | $ 0 |
| Bowling Green, KY | 2 | $ 3,000 | $ 1,500 | $ 0 |
| Carbondale-Marion, IL | 2 | $ 6,000 | $ 3,000 | $ 69,000 |
| Cedar Rapids, IA | 2 | $ 25,000 | $ 12,500 | $ 52,000 |
| Cheyenne, WY | 2 | $ 18,000 | $ 9,000 | $ 0 |
| Clarksville, TN-KY | 2 | $ 16,000 | $ 8,000 | $ 26,000 |
| Danville, IL | 2 | $ 13,000 | $ 6,500 | $ 45,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 6,000 | $ 3,000 | $ 0 |
| Duluth, MN-WI | 2 | $ 17,000 | $ 8,500 | $ 0 |
| El Centro, CA | 2 | $ 48,000 | $ 24,000 | $ 32,000 |
| Fairbanks, AK | 2 | $ 50,000 | $ 25,000 | $ 148,000 |
| Florence-Muscle Shoals, AL | 2 | $ 5,000 | $ 2,500 | $ 21,000 |
| Grand Junction, CO | 2 | $ 7,000 | $ 3,500 | $ 60,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 12,000 | $ 6,000 | $ 127,000 |
| Hattiesburg, MS | 2 | $ 62,000 | $ 31,000 | $ 48,000 |
| Jackson, TN | 2 | $ 81,000 | $ 40,500 | $ 24,000 |
| Jacksonville, NC | 2 | $ 5,000 | $ 2,500 | $ 16,000 |
| Johnson City, TN | 2 | $ 9,000 | $ 4,500 | $ 117,000 |
| Lafayette-West Lafayette, IN | 2 | $ 10,000 | $ 5,000 | $ 30,000 |
| Mankato-North Mankato, MN | 2 | $ 14,000 | $ 7,000 | $ 0 |
| Michigan City-La Porte, IN | 2 | $ 17,000 | $ 8,500 | $ 24,000 |
| Monroe, LA | 2 | $ 57,000 | $ 28,500 | $ 13,000 |
| Morgantown, WV | 2 | $ 11,000 | $ 5,500 | $ 84,000 |
| Muncie, IN | 2 | $ 8,000 | $ 4,000 | $ 0 |
| Pittsfield, MA | 2 | $ 15,000 | $ 7,500 | $ 0 |
| Rocky Mount, NC | 2 | $ 16,000 | $ 8,000 | $ 24,000 |
| San Angelo, TX | 2 | $ 20,000 | $ 10,000 | $ 14,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 40,000 | $ 20,000 | $ 0 |
| Santa Fe, NM | 2 | $ 5,000 | $ 2,500 | $ 95,000 |
| Sebastian-Vero Beach, FL | 2 | $ 25,000 | $ 12,500 | $ 33,000 |
| Springfield, MO | 2 | $ 15,000 | $ 7,500 | $ 0 |
| Terre Haute, IN | 2 | $ 18,000 | $ 9,000 | $ 20,000 |
| Walla Walla, WA | 2 | $ 10,000 | $ 5,000 | $ 80,000 |
| Albany, GA | 1 | $ 44,000 | $ 44,000 | $ 0 |
| Ames, IA | 1 | $ 2,000 | $ 2,000 | $ 59,000 |
| Anchorage, AK | 1 | $ 9,000 | $ 9,000 | $ 0 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Appleton, WI | 1 | $ 7,000 | $ 7,000 | $ 0 |
| Auburn-Opelika, AL | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Bend-Redmond, OR | 1 | $ 5,000 | $ 5,000 | $ 39,000 |
| Bloomsburg-Berwick, PA | 1 | $ 5,000 | $ 5,000 | $ 49,000 |
| Brunswick, GA | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Burlington-South Burlington, VT | 1 | $ 1,000 | $ 1,000 | $ 96,000 |
| Cleveland, TN | 1 | $ 10,000 | $ 10,000 | $ 58,000 |
| Columbus, IN | 1 | $ 2,000 | $ 2,000 | $ 24,000 |
| Corvallis, OR | 1 | $ 3,000 | $ 3,000 | $ 30,000 |
| Cumberland, MD-WV | 1 | $ 2,000 | $ 2,000 | $ 46,000 |
| Dalton, GA | 1 | $ 2,000 | $ 2,000 | $ 56,000 |
| Decatur, AL | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Decatur, IL | 1 | $ 3,000 | $ 3,000 | $ 61,000 |
| Eau Claire, WI | 1 | $ 8,000 | $ 8,000 | $ 0 |
| Fargo, ND-MN | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Flagstaff, AZ | 1 | $ 8,000 | $ 8,000 | $ 108,000 |
| Goldsboro, NC | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Grand Forks, ND-MN | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Grants Pass, OR | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Great Falls, MT | 1 | $ 4,000 | $ 4,000 | $ 83,000 |
| Iowa City, IA | 1 | $ 7,000 | $ 7,000 | $ 0 |
| Johnstown, PA | 1 | $ 15,000 | $ 15,000 | $ 20,000 |
| Kankakee, IL | 1 | $ 20,000 | $ 20,000 | $ 53,000 |
| Laredo, TX | 1 | $ 5,000 | $ 5,000 | $ 98,000 |
| Lawrence, KS | 1 | $ 3,000 | $ 3,000 | $ 168,000 |
| Lima, OH | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Manhattan, KS | 1 | $ 1,000 | $ 1,000 | $ 65,000 |
| Mansfield, OH | 1 | $ 7,000 | $ 7,000 | $ 0 |
| Montgomery, AL | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Mount Vernon-Anacortes, WA | 1 | $ 5,000 | $ 5,000 | $ 0 |
| New Bern, NC | 1 | $ 6,000 | $ 6,000 | $ 28,000 |
| Sheboygan, WI | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Sioux City, IA-NE-SD | 1 | $ 2,000 | $ 2,000 | $ 76,000 |
| St. George, UT | 1 | $ 7,000 | $ 7,000 | $ 0 |
| State College, PA | 1 | $ 8,000 | $ 8,000 | $ 20,000 |
| Tuscaloosa, AL | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Warner Robins, GA | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Watertown-Fort Drum, NY | 1 | $ 5,000 | $ 5,000 | $ 30,000 |
| Wenatchee, WA | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Wheeling, WV-OH | 1 | $ 4,000 | $ 4,000 | $ 60,000 |
| Yakima, WA | 1 | $ 12,000 | $ 12,000 | $ 42,000 |
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.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.
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