Civic Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Civic Bank & Trust of Nashville, TN reported 32 mortgage applications totaling $6.5 million, up 167% from 2010. The average application was for $203,531, and applicants reported an average income of $134,937. 84% of its applications resulted in an originated loan and 6% were denied. Its largest market was Nashville-Davidson--Murfreesboro--Franklin, TN (31).
| Mortgage Company & Address | Civic Bank & Trust 3325 West End Ave Nashville, TN 37203 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 32 |
| Total Mortgage Loan Application Amount | $6,513,000 |
| Average Mortgage Loan Application Amount | $203,531 |
| Highest Mortgage Loan Application Amount | $971,000 |
| Average Applicant Income | $134,937 |
| Highest Applicant Income | $443,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Civic Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Davidson, Tennessee | 16 | $ 4,349,000 | $ 271,812 | $ 114,000 |
| Rutherford, Tennessee | 6 | $ 413,000 | $ 68,833 | $ 146,000 |
| Sumner, Tennessee | 4 | $ 436,000 | $ 109,000 | $ 138,000 |
| Williamson, Tennessee | 3 | $ 1,121,000 | $ 373,666 | $ 135,000 |
| Cheatham, Tennessee | 2 | $ 157,000 | $ 78,500 | $ 330,000 |
| Giles, Tennessee | 1 | $ 37,000 | $ 37,000 | $ 17,000 |
Mortgage Loan Application Detail Totals for Civic Bank & Trust in 2011
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 | 16 | $2,894,000 | $180,000 | $560,000 | $126,000 | $443,000 |
| Refinancing | 15 | $3,519,000 | $234,000 | $971,000 | $145,000 | $412,000 |
| Home Improvement | 1 | $100,000 | $100,000 | $100,000 | $127,000 | $127,000 |
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 | 15 | $2,442,000 | $162,000 | $897,000 | $186,000 | $443,000 |
| Not applicable | 12 | $3,356,000 | $279,000 | $971,000 | $0 | $0 |
| Asian | 5 | $715,000 | $143,000 | $269,000 | $308,000 | $412,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 32 | $6,513,000 | $203,000 | $971,000 | $135,000 | $443,000 |
| 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 Originated | 27 | $4,590,000 | $170,000 | $897,000 | $146,000 | $443,000 |
| Application Approved But Not Accepted | 2 | $468,000 | $234,000 | $348,000 | $44,000 | $89,000 |
| Application Denied By Financial Institution | 2 | $1,221,000 | $610,000 | $971,000 | $153,000 | $307,000 |
| Application Withdrawn By Applicant | 1 | $234,000 | $234,000 | $234,000 | $0 | $0 |
| 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 | 2 | $1,221,000 | $610,000 | $971,000 | $153,000 | $307,000 |
| 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 |
| 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 Civic Bank & Trust's 2011 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 Civic Bank & Trust'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.
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