The Citizens State Bank of Taylor County Mortgage Lending & HMDA Data, 2016
In 2016, The Citizens State Bank of Taylor County of Reynolds, GA reported 70 mortgage applications totaling $3.9 million, down 7% from 2015. The average application was for $55,428, and applicants reported an average income of $50,114. 89% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Macon, GA (25), Warner Robins, GA (2) and Atlanta-Sandy Springs-Roswell, GA (1) (applications in parentheses).
| Mortgage Company & Address | The Citizens State Bank of Taylor County 36 Martin Luther King Dr, P O Box 277 Reynolds, GA 31076 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 70 |
| Total Mortgage Loan Application Amount | $3,880,000 |
| Average Mortgage Loan Application Amount | $55,428 |
| Highest Mortgage Loan Application Amount | $431,000 |
| Average Applicant Income | $50,114 |
| Highest Applicant Income | $259,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Citizens State Bank of Taylor County filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Macon, GA | 25 | $ 1,743,000 | $ 69,720 | $ 41,000 |
| Warner Robins, GA | 2 | $ 124,000 | $ 62,000 | $ 71,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 431,000 | $ 431,000 | $ 115,000 |
| Columbus, GA-AL | 1 | $ 7,000 | $ 7,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for The Citizens State Bank of Taylor County in 2016
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 Improvement | 28 | $530,000 | $18,000 | $76,000 | $40,000 | $88,000 |
| Refinancing | 24 | $2,055,000 | $85,000 | $431,000 | $47,000 | $125,000 |
| Home Purchase | 18 | $1,295,000 | $71,000 | $243,000 | $70,000 | $259,000 |
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 | 39 | $2,735,000 | $70,000 | $431,000 | $58,000 | $259,000 |
| Black or African American | 25 | $924,000 | $36,000 | $234,000 | $46,000 | $195,000 |
| Not applicable | 5 | $179,000 | $35,000 | $61,000 | $0 | $0 |
| Asian | 1 | $42,000 | $42,000 | $42,000 | $80,000 | $80,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 70 | $3,880,000 | $55,000 | $431,000 | $50,000 | $259,000 |
| 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 | 62 | $3,499,000 | $56,000 | $431,000 | $51,000 | $259,000 |
| Application Denied By Financial Institution | 8 | $381,000 | $47,000 | $167,000 | $42,000 | $72,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 The Citizens State Bank of Taylor County's 2016 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 State Bank of Taylor County'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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