The Citizens Bank Of Philadelphia, Mississippi
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
The Citizens Bank Of Philadelphia, Mississippi 2020 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 | The Citizens Bank Of Philadelphia, Mississippi 521 Main St Philadelphia, MS 39350 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 |
| Total Number of Mortgage Applications | 416 |
| Total Mortgage Loan Application Amount | $77,600,000 |
| Average Mortgage Loan Application Amount | $135,000 |
| Highest Mortgage Loan Application Amount | $16,005,000 |
| Average Applicant Income | $95,750 |
| Highest Applicant Income | $1,239,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with The Citizens Bank Of Philadelphia, Mississippi. 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 The Citizens Bank Of Philadelphia, Mississippi's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down The Citizens Bank Of Philadelphia, Mississippi'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 The Citizens Bank Of Philadelphia, Mississippi serves its applicants.
Each category highlights the total number of mortgage applications processed by The Citizens Bank Of Philadelphia, Mississippi, 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 The Citizens Bank Of Philadelphia, Mississippi's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Neshoba County Mississippi | 101 | $ 7,275,000 | $ 72,000 | $ 93,000 |
| Jackson County Mississippi | 42 | $ 4,890,000 | $ 116,000 | $ 85,000 |
| Harrison County Mississippi | 41 | $ 8,905,000 | $ 217,000 | $ 130,000 |
| Winston County Mississippi | 40 | $ 1,790,000 | $ 44,000 | $ 105,000 |
| Lauderdale County Mississippi | 34 | $ 3,840,000 | $ 112,000 | $ 100,000 |
| Newton County Mississippi | 34 | $ 3,080,000 | $ 90,000 | $ 91,000 |
| Attala County Mississippi | 21 | $ 2,455,000 | $ 116,000 | $ 77,000 |
| Kemper County Mississippi | 15 | $ 1,095,000 | $ 73,000 | $ 89,000 |
| Leake County Mississippi | 14 | $ 1,410,000 | $ 100,000 | $ 120,000 |
| Rankin County Mississippi | 12 | $ 1,950,000 | $ 162,000 | $ 250,000 |
| Oktibbeha County Mississippi | 9 | $ 945,000 | $ 105,000 | $ 191,000 |
| Scott County Mississippi | 6 | $ 120,000 | $ 20,000 | $ 36,000 |
| Forrest County Mississippi | 5 | $ 675,000 | $ 135,000 | $ 88,000 |
| Lafayette County Mississippi | 4 | $ 17,310,000 | $ 4,327,000 | $ 0 |
| Madison County Mississippi | 4 | $ 1,090,000 | $ 272,000 | $ 230,000 |
| Clay County Mississippi | 3 | $ 155,000 | $ 51,000 | $ 0 |
| Hinds County Mississippi | 3 | $ 13,225,000 | $ 4,408,000 | $ 479,000 |
| Choctaw County Mississippi | 2 | $ 20,000 | $ 10,000 | $ 48,000 |
| George County Mississippi | 2 | $ 950,000 | $ 475,000 | $ 167,000 |
| Hancock County Mississippi | 2 | $ 230,000 | $ 115,000 | $ 96,000 |
| Holmes County Mississippi | 2 | $ 170,000 | $ 85,000 | $ 148,000 |
| Jones County Mississippi | 2 | $ 140,000 | $ 70,000 | $ 34,000 |
| Lamar County Mississippi | 2 | $ 1,360,000 | $ 680,000 | $ 66,000 |
| Pearl River County Mississippi | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Webster County Mississippi | 2 | $ 80,000 | $ 40,000 | $ 63,000 |
| Baldwin County Alabama | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Mobile County Alabama | 1 | $ 1,275,000 | $ 1,275,000 | $ 0 |
| District of Columbia County District Of Columbia | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Walton County Florida | 1 | $ 1,035,000 | $ 1,035,000 | $ 0 |
| Fulton County Georgia | 1 | $ 55,000 | $ 55,000 | $ 149,000 |
| Carroll County Mississippi | 1 | $ 195,000 | $ 195,000 | $ 61,000 |
| Clarke County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 82,000 |
| DeSoto County Mississippi | 1 | $ 195,000 | $ 195,000 | $ 106,000 |
| Lee County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Leflore County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 35,000 |
| Lowndes County Mississippi | 1 | $ 15,000 | $ 15,000 | $ 18,000 |
| Noxubee County Mississippi | 1 | $ 25,000 | $ 25,000 | $ 0 |
Mortgage Loan Application Detail Totals for The Citizens Bank Of Philadelphia, Mississippi in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 226 | $26,310,000 | $116,000 | $2,675,000 | $121,000 | $1,239,000 |
| Home Purchase | 150 | $49,170,000 | $327,000 | $16,005,000 | $92,000 | $308,000 |
| Other Purpose | 27 | $1,615,000 | $59,000 | $165,000 | $63,000 | $201,000 |
| Home Improvement | 13 | $505,000 | $38,000 | $95,000 | $107,000 | $384,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 271 | $28,825,000 | $106,000 | $795,000 | $112,000 | $1,239,000 |
| Not applicable | 75 | $45,205,000 | $602,000 | $16,005,000 | $0 | $0 |
| Black or African American | 51 | $2,135,000 | $41,000 | $215,000 | $88,000 | $240,000 |
| Hispanic | 11 | $585,000 | $53,000 | $95,000 | $61,000 | $128,000 |
| Asian | 6 | $550,000 | $91,000 | $135,000 | $175,000 | $306,000 |
| American Indian or Alaskan Native | 1 | $175,000 | $175,000 | $175,000 | $122,000 | $122,000 |
| Not Provided | 1 | $125,000 | $125,000 | $125,000 | $52,000 | $52,000 |
| 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) | 402 | $75,850,000 | $188,000 | $16,005,000 | $108,000 | $1,239,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $845,000 | $120,000 | $235,000 | $43,000 | $75,000 |
| FHA-insured (Federal Housing Administration) | 6 | $780,000 | $130,000 | $225,000 | $60,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 1 | $125,000 | $125,000 | $125,000 | $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 | 293 | $62,115,000 | $211,000 | $16,005,000 | $112,000 | $1,239,000 |
| Application Withdrawn By Applicant | 66 | $9,110,000 | $138,000 | $1,275,000 | $81,000 | $210,000 |
| Application Denied By Financial Institution | 53 | $5,955,000 | $112,000 | $695,000 | $66,000 | $240,000 |
| Application Approved But Not Accepted | 3 | $385,000 | $128,000 | $175,000 | $172,000 | $306,000 |
| File Closed For Incompleteness | 1 | $35,000 | $35,000 | $35,000 | $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 | 416 | $77,600,000 | $186,000 | $16,005,000 | $108,000 | $1,239,000 |
| 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 The Citizens Bank Of Philadelphia, Mississippi's 2020 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 The Citizens Bank Of Philadelphia, Mississippi'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 Mississippi, download the full spreadsheet
with aggregated HMDA statistics today.