Citizens State Bank Mortgage Lending & HMDA Data, 2017
In 2017, Citizens State Bank of Woodville, TX reported 101 mortgage applications totaling $17.7 million, up 44% from 2016. The average application was for $175,247, and applicants reported an average income of $111,732. 31% of its applications resulted in an originated loan and 36% were denied. Its largest markets were Waco, TX (27), Beaumont-Port Arthur, TX (5) and Houston-The Woodlands-Sugar Land, TX (3) (applications in parentheses).
| Mortgage Company & Address | Citizens State Bank 102 West Bluff St Woodville, TX 75979 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 101 |
| Total Mortgage Loan Application Amount | $17,700,000 |
| Average Mortgage Loan Application Amount | $175,247 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $111,732 |
| Highest Applicant Income | $990,000 |
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Act (HMDA) records Citizens State Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tyler, Texas | 37 | $ 5,846,000 | $ 158,000 | $ 116,000 |
| McLennan, Texas | 19 | $ 2,981,000 | $ 156,894 | $ 106,000 |
| Falls, Texas | 8 | $ 1,316,000 | $ 164,500 | $ 86,000 |
| Monmouth, New Jersey | 3 | $ 920,000 | $ 306,666 | $ 0 |
| Angelina, Texas | 3 | $ 264,000 | $ 88,000 | $ 98,000 |
| Bosque, Texas | 3 | $ 532,000 | $ 177,333 | $ 72,000 |
| Hardin, Texas | 3 | $ 476,000 | $ 158,666 | $ 157,000 |
| Jasper, Texas | 3 | $ 351,000 | $ 117,000 | $ 199,000 |
| Montgomery, Texas | 3 | $ 971,000 | $ 323,666 | $ 322,000 |
| Ochiltree, Texas | 3 | $ 385,000 | $ 128,333 | $ 76,000 |
| Lehigh, Pennsylvania | 2 | $ 430,000 | $ 215,000 | $ 100,000 |
| Bell, Texas | 2 | $ 192,000 | $ 96,000 | $ 74,000 |
| Polk, Texas | 2 | $ 435,000 | $ 217,500 | $ 120,000 |
| Walton, Florida | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Bexar, Texas | 1 | $ 96,000 | $ 96,000 | $ 100,000 |
| Dallas, Texas | 1 | $ 130,000 | $ 130,000 | $ 103,000 |
| Hill, Texas | 1 | $ 63,000 | $ 63,000 | $ 40,000 |
| Jefferson, Texas | 1 | $ 1,200,000 | $ 1,200,000 | $ 210,000 |
| Limestone, Texas | 1 | $ 80,000 | $ 80,000 | $ 202,000 |
| Orange, Texas | 1 | $ 60,000 | $ 60,000 | $ 85,000 |
| San Jacinto, Texas | 1 | $ 52,000 | $ 52,000 | $ 69,000 |
| Victoria, Texas | 1 | $ 165,000 | $ 165,000 | $ 80,000 |
| Washington, Texas | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Citizens State Bank in 2017
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 | 74 | $12,044,000 | $162,000 | $600,000 | $98,000 | $474,000 |
| Refinancing | 16 | $4,166,000 | $260,000 | $1,200,000 | $151,000 | $990,000 |
| Home Improvement | 11 | $1,490,000 | $135,000 | $524,000 | $147,000 | $503,000 |
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 |
|---|---|---|---|---|---|---|
| White | 69 | $12,529,000 | $181,000 | $1,200,000 | $134,000 | $990,000 |
| Not Provided | 14 | $1,543,000 | $110,000 | $248,000 | $77,000 | $181,000 |
| Not applicable | 7 | $2,176,000 | $310,000 | $600,000 | $0 | $0 |
| Hispanic | 6 | $644,000 | $107,000 | $199,000 | $81,000 | $202,000 |
| Black or African American | 4 | $628,000 | $157,000 | $455,000 | $85,000 | $192,000 |
| Asian | 1 | $180,000 | $180,000 | $180,000 | $95,000 | $95,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 101 | $17,700,000 | $175,000 | $1,200,000 | $111,000 | $990,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 36 | $3,820,000 | $106,000 | $395,000 | $61,000 | $240,000 |
| Loan Originated | 31 | $6,667,000 | $215,000 | $600,000 | $118,000 | $503,000 |
| Application Approved But Not Accepted | 28 | $5,211,000 | $186,000 | $750,000 | $163,000 | $990,000 |
| Application Withdrawn By Applicant | 6 | $2,002,000 | $333,000 | $1,200,000 | $144,000 | $212,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 18 | $1,582,000 | $87,000 | $332,000 | $66,000 | $240,000 |
| Debt-To-Income Ratio | 15 | $1,899,000 | $126,000 | $395,000 | $53,000 | $143,000 |
| Collateral | 3 | $339,000 | $113,000 | $200,000 | $66,000 | $103,000 |
| Credit Application Incomplete | 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 2017 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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