Citizens Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012

Citizens Bank And Trust Company 2012 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 Bank And Trust Company
126 South Main St.
Blackstone, VA 23824
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  
Total Number of Mortgage Applications 249
Total Mortgage Loan Application Amount $22,054,000
Average Mortgage Loan Application Amount $91,666
Highest Mortgage Loan Application Amount $1,731,000
Average Applicant Income $62,333
Highest Applicant Income $651,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Citizens Bank And Trust Company. 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 Bank And Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2012 breaks down Citizens Bank And Trust Company'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 Bank And Trust Company serves its applicants.

Each category highlights the total number of mortgage applications processed by Citizens Bank And Trust Company, 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 Bank And Trust Company's mortgage activity for 2012.

Mortgage Loan Application Totals for Citizens Bank And Trust Company by County in 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Nottoway County Virginia 64 $ 3,945,000 $ 61,000 $ 57,000
Prince Edward County Virginia 45 $ 2,515,000 $ 55,000 $ 44,000
Amelia County Virginia 26 $ 1,625,000 $ 62,000 $ 50,000
Buckingham County Virginia 14 $ 1,208,000 $ 86,000 $ 43,000
Cumberland County Virginia 12 $ 1,047,000 $ 87,000 $ 106,000
Lunenburg County Virginia 11 $ 493,000 $ 44,000 $ 51,000
Chesterfield County Virginia 10 $ 1,117,000 $ 111,000 $ 119,000
Mecklenburg County Virginia 10 $ 2,672,000 $ 267,000 $ 63,000
Dinwiddie County Virginia 9 $ 670,000 $ 74,000 $ 73,000
Richmond City County Virginia 9 $ 1,158,000 $ 128,000 $ 37,000
Colonial Heights County Virginia 7 $ 986,000 $ 140,000 $ 74,000
Hopewell County Virginia 6 $ 1,240,000 $ 206,000 $ 46,000
Charlotte County Virginia 4 $ 358,000 $ 89,000 $ 48,000
Prince George County Virginia 3 $ 925,000 $ 308,000 $ 189,000
Dare County North Carolina 2 $ 750,000 $ 375,000 $ 97,000
Georgetown County South Carolina 2 $ 150,000 $ 75,000 $ 82,000
Brunswick County Virginia 2 $ 84,000 $ 42,000 $ 36,000
Henrico County Virginia 2 $ 68,000 $ 34,000 $ 75,000
Petersburg County Virginia 2 $ 60,000 $ 30,000 $ 62,000
St. Louis County Missouri 1 $ 200,000 $ 200,000 $ 116,000
Durham County North Carolina 1 $ 1,000 $ 1,000 $ 75,000
Warren County North Carolina 1 $ 303,000 $ 303,000 $ 294,000
Appomattox County Virginia 1 $ 35,000 $ 35,000 $ 91,000
Bedford County Virginia 1 $ 118,000 $ 118,000 $ 42,000
Charlottesville County Virginia 1 $ 75,000 $ 75,000 $ 83,000
Greensville County Virginia 1 $ 127,000 $ 127,000 $ 34,000
Lancaster County Virginia 1 $ 111,000 $ 111,000 $ 134,000
Sussex County Virginia 1 $ 13,000 $ 13,000 $ 22,000

Mortgage Loan Application Detail Totals for Citizens Bank And Trust Company in 2012

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 99 $9,879,000 $99,000 $600,000 $59,000 $314,000
Home Improvement 84 $2,387,000 $28,000 $200,000 $61,000 $651,000
Refinancing 66 $9,788,000 $148,000 $1,731,000 $67,000 $541,000

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 170 $13,771,000 $81,000 $625,000 $68,000 $651,000
Black or African American 50 $2,583,000 $51,000 $192,000 $54,000 $285,000
Not applicable 19 $4,948,000 $260,000 $1,731,000 $0 $0
Not Provided 6 $507,000 $84,000 $185,000 $141,000 $314,000
Hispanic 2 $130,000 $65,000 $68,000 $46,000 $73,000
American Indian or Alaskan Native 2 $115,000 $57,000 $59,000 $61,000 $62,000
Asian 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) 249 $22,054,000 $88,000 $1,731,000 $62,000 $651,000
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 171 $15,153,000 $88,000 $1,731,000 $63,000 $651,000
Application Denied By Financial Institution 53 $4,073,000 $76,000 $405,000 $44,000 $148,000
Application Approved But Not Accepted 13 $795,000 $61,000 $240,000 $63,000 $258,000
Application Withdrawn By Applicant 12 $2,033,000 $169,000 $625,000 $113,000 $541,000
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
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 Citizens Bank And Trust Company's 2012 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 Bank And Trust Company'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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