Citizens Tri-County Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Citizens Tri-County Bank 2019 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Citizens Tri-County Bank P.O. Box, 15699 Dunlap, TN 37327 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 885 |
| Total Mortgage Loan Application Amount | $87,865,000 |
| Average Mortgage Loan Application Amount | $77,600 |
| Highest Mortgage Loan Application Amount | $2,265,000 |
| Average Applicant Income | $82,200 |
| Highest Applicant Income | $1,548,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Citizens Tri-County Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Citizens Tri-County Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Citizens Tri-County Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Citizens Tri-County Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Citizens Tri-County Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Citizens Tri-County Bank's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Grundy County Tennessee | 185 | $ 10,185,000 | $ 55,000 | $ 52,000 |
| Marion County Tennessee | 142 | $ 14,320,000 | $ 100,000 | $ 88,000 |
| Hamilton County Tennessee | 108 | $ 14,700,000 | $ 136,000 | $ 176,000 |
| Franklin County Tennessee | 93 | $ 12,775,000 | $ 137,000 | $ 119,000 |
| Sequatchie County Tennessee | 87 | $ 7,645,000 | $ 87,000 | $ 85,000 |
| Warren County Tennessee | 68 | $ 6,330,000 | $ 93,000 | $ 100,000 |
| Van Buren County Tennessee | 50 | $ 4,240,000 | $ 84,000 | $ 96,000 |
| Bledsoe County Tennessee | 41 | $ 4,435,000 | $ 108,000 | $ 78,000 |
| Coffee County Tennessee | 32 | $ 3,170,000 | $ 99,000 | $ 127,000 |
| Moore County Tennessee | 8 | $ 990,000 | $ 123,000 | $ 84,000 |
| White County Tennessee | 8 | $ 780,000 | $ 97,000 | $ 87,000 |
| Jackson County Alabama | 7 | $ 1,355,000 | $ 193,000 | $ 137,000 |
| Rhea County Tennessee | 7 | $ 815,000 | $ 116,000 | $ 147,000 |
| Davidson County Tennessee | 4 | $ 960,000 | $ 240,000 | $ 200,000 |
| DeKalb County Tennessee | 4 | $ 400,000 | $ 100,000 | $ 65,000 |
| Lincoln County Tennessee | 4 | $ 320,000 | $ 80,000 | $ 40,000 |
| Rutherford County Tennessee | 4 | $ 640,000 | $ 160,000 | $ 343,000 |
| Dade County Georgia | 3 | $ 615,000 | $ 205,000 | $ 66,000 |
| Putnam County Tennessee | 3 | $ 575,000 | $ 191,000 | $ 93,000 |
| Baldwin County Alabama | 2 | $ 220,000 | $ 110,000 | $ 295,000 |
| Catoosa County Georgia | 2 | $ 240,000 | $ 120,000 | $ 235,000 |
| Cannon County Tennessee | 2 | $ 190,000 | $ 95,000 | $ 52,000 |
| Wilson County Tennessee | 2 | $ 230,000 | $ 115,000 | $ 43,000 |
| Calhoun County Alabama | 1 | $ 105,000 | $ 105,000 | $ 65,000 |
| Marshall County Alabama | 1 | $ 35,000 | $ 35,000 | $ 22,000 |
| Walker County Georgia | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Bradley County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 17,000 |
| Cumberland County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 18,000 |
| Loudon County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 176,000 |
| Morgan County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Overton County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 38,000 |
| Sevier County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 99,000 |
| Sumner County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 738,000 |
| Williamson County Tennessee | 1 | $ 345,000 | $ 345,000 | $ 125,000 |
Mortgage Loan Application Detail Totals for Citizens Tri-County Bank in 2019
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 | 357 | $41,075,000 | $115,000 | $2,265,000 | $119,000 | $1,548,000 |
| Refinancing | 227 | $23,805,000 | $104,000 | $1,265,000 | $102,000 | $1,500,000 |
| Cash-out Refinancing | 201 | $19,215,000 | $95,000 | $465,000 | $77,000 | $738,000 |
| Other Purpose | 56 | $2,260,000 | $40,000 | $125,000 | $61,000 | $272,000 |
| Home Improvement | 44 | $1,510,000 | $34,000 | $145,000 | $52,000 | $164,000 |
| 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 | 765 | $73,635,000 | $96,000 | $2,265,000 | $93,000 | $1,548,000 |
| Not Provided | 72 | $8,140,000 | $113,000 | $1,675,000 | $143,000 | $620,000 |
| Not applicable | 20 | $3,100,000 | $155,000 | $575,000 | $0 | $0 |
| Black or African American | 12 | $1,080,000 | $90,000 | $195,000 | $59,000 | $189,000 |
| Hispanic | 8 | $890,000 | $111,000 | $305,000 | $191,000 | $1,140,000 |
| American Indian or Alaskan Native | 3 | $235,000 | $78,000 | $135,000 | $125,000 | $266,000 |
| Asian | 1 | $145,000 | $145,000 | $145,000 | $49,000 | $49,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $205,000 | $205,000 | $205,000 | $115,000 | $115,000 |
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) | 870 | $85,250,000 | $97,000 | $2,265,000 | $99,000 | $1,548,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,770,000 | $177,000 | $315,000 | $65,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 4 | $790,000 | $197,000 | $335,000 | $92,000 | $138,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $55,000 | $55,000 | $55,000 | $17,000 | $17,000 |
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 | 632 | $59,010,000 | $93,000 | $1,265,000 | $108,000 | $1,548,000 |
| Application Denied By Financial Institution | 102 | $10,720,000 | $105,000 | $2,265,000 | $55,000 | $513,000 |
| Application Withdrawn By Applicant | 83 | $10,315,000 | $124,000 | $1,005,000 | $70,000 | $365,000 |
| Application Approved But Not Accepted | 61 | $7,125,000 | $116,000 | $1,675,000 | $109,000 | $1,140,000 |
| File Closed For Incompleteness | 7 | $695,000 | $99,000 | $185,000 | $51,000 | $99,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 783 | $77,145,000 | $98,000 | $1,675,000 | $104,000 | $1,548,000 |
| Credit History | 47 | $6,395,000 | $136,000 | $2,265,000 | $73,000 | $513,000 |
| Debt-To-Income Ratio | 38 | $3,100,000 | $81,000 | $355,000 | $37,000 | $126,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $490,000 | $81,000 | $125,000 | $54,000 | $89,000 |
| Employment History | 3 | $165,000 | $55,000 | $75,000 | $26,000 | $34,000 |
| Unverifiable Information | 3 | $285,000 | $95,000 | $205,000 | $65,000 | $96,000 |
| Collateral | 2 | $110,000 | $55,000 | $55,000 | $32,000 | $33,000 |
| Other | 2 | $80,000 | $40,000 | $55,000 | $61,000 | $84,000 |
| Credit Application Incomplete | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Tri-County Bank's 2019 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 Tri-County 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 Tennessee, download the full spreadsheet
with aggregated HMDA statistics today.