Citizens State Bank Mortgage Lending & HMDA Data, 2018
In 2018, Citizens State Bank of Tyler, TX reported 221 mortgage applications totaling $44.1 million, down 3% from 2017. The average application was for $199,751, and applicants reported an average income of $135,452. 67% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Tyler, TX (87), Dallas-Plano-Irving, TX (27) and Houston-The Woodlands-Sugar Land, TX (4) (applications in parentheses).
| Mortgage Company & Address | Citizens State Bank 3915 Ssw Loop 323 Tyler, TX 75701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 221 |
| Total Mortgage Loan Application Amount | $44,145,000 |
| Average Mortgage Loan Application Amount | $199,751 |
| Highest Mortgage Loan Application Amount | $1,325,000 |
| Average Applicant Income | $135,452 |
| Highest Applicant Income | $2,579,000 |
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Act (HMDA) records Citizens State Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 101 | $ 15,015,000 | $ 148,663 | $ 99,000 |
| Tyler, TX | 87 | $ 19,105,000 | $ 219,597 | $ 111,000 |
| Dallas-Plano-Irving, TX | 27 | $ 6,495,000 | $ 240,555 | $ 178,000 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 2,300,000 | $ 575,000 | $ 831,000 |
| Austin-Round Rock, TX | 1 | $ 335,000 | $ 335,000 | $ 774,000 |
| Fort Worth-Arlington, TX | 1 | $ 895,000 | $ 895,000 | $ 2,579,000 |
Mortgage Loan Application Detail Totals for Citizens State Bank in 2018
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 | 142 | $28,060,000 | $197,000 | $1,325,000 | $127,000 | $990,000 |
| Cash-out Refinancing | 39 | $6,385,000 | $163,000 | $875,000 | $86,000 | $246,000 |
| Refinancing | 32 | $8,840,000 | $276,000 | $1,265,000 | $247,000 | $2,579,000 |
| Other Purpose | 7 | $815,000 | $116,000 | $195,000 | $86,000 | $116,000 |
| Home Improvement | 1 | $45,000 | $45,000 | $45,000 | $41,000 | $41,000 |
| Not Applicable | 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 |
|---|---|---|---|---|---|---|
| White | 173 | $31,315,000 | $181,000 | $1,265,000 | $137,000 | $2,579,000 |
| Not applicable | 16 | $7,120,000 | $445,000 | $1,325,000 | $0 | $0 |
| Asian | 11 | $3,345,000 | $304,000 | $565,000 | $240,000 | $652,000 |
| Hispanic | 9 | $1,005,000 | $111,000 | $455,000 | $88,000 | $246,000 |
| Not Provided | 8 | $830,000 | $103,000 | $265,000 | $58,000 | $144,000 |
| Black or African American | 4 | $530,000 | $132,000 | $195,000 | $57,000 | $84,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 215 | $43,165,000 | $200,000 | $1,325,000 | $138,000 | $2,579,000 |
| VA-guaranteed (Veterans Administration) | 4 | $670,000 | $167,000 | $265,000 | $57,000 | $92,000 |
| FHA-insured (Federal Housing Administration) | 2 | $310,000 | $155,000 | $185,000 | $74,000 | $81,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 148 | $33,550,000 | $226,000 | $1,325,000 | $159,000 | $2,579,000 |
| Application Approved But Not Accepted | 37 | $6,025,000 | $162,000 | $425,000 | $101,000 | $244,000 |
| Application Denied By Financial Institution | 28 | $3,480,000 | $124,000 | $375,000 | $78,000 | $276,000 |
| Application Withdrawn By Applicant | 8 | $1,090,000 | $136,000 | $265,000 | $117,000 | $303,000 |
| File Closed For Incompleteness | 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 | 221 | $44,145,000 | $199,000 | $1,325,000 | $136,000 | $2,579,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens State Bank's 2018 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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