AllMortgageDetail - Mortgage Application Details

Citibank, N.A.
Mortgage Loan Application
Totals and Details
for 2014

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Mortgage Company & Address Citibank, N.A.
1 Court Square,43Rd Floor
Long Island City, NY 11120
Federal Regulator Consumer Financial Protection Bureau (CFPB)
Years 2014  2013  2012  2011  
Total Number of Mortgage Applications 156,718
Total Mortgage Loan Application Amount $43,445,356,000
Average Mortgage Loan Application Amount $136,985
Highest Mortgage Loan Application Amount $99,999,000
Average Applicant Income $95,409
Highest Applicant Income $9,999,000

Mortgage Loan Application Detail Totals for Citibank, N.A. in 2014

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 103,887 $22,369,128,000 $215,000 $56,301,000 $116,000 $9,999,000
Home Purchase 65,615 $26,814,884,000 $408,000 $99,999,000 $175,000 $9,999,000
Home Improvement 4,045 $782,282,000 $193,000 $28,000,000 $133,000 $6,350,000

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 80,460 $21,156,023,000 $262,000 $8,000,000 $145,000 $9,999,000
Not Provided 25,297 $8,879,782,000 $351,000 $14,000,000 $199,000 $9,999,000
Not applicable 24,664 $8,673,666,000 $351,000 $99,999,000 $104,000 $2,828,000
Hispanic 15,733 $3,080,158,000 $195,000 $5,000,000 $85,000 $4,681,000
Asian 15,011 $6,131,303,000 $408,000 $8,000,000 $157,000 $9,999,000
Black or African American 11,099 $1,776,589,000 $160,000 $2,864,000 $80,000 $4,938,000
American Indian or Alaskan Native 728 $140,515,000 $193,000 $2,500,000 $106,000 $3,338,000
Native Hawaiin or Other Pacific Islander 555 $128,258,000 $231,000 $1,500,000 $130,000 $4,694,000

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) 156,582 $46,822,026,000 $299,000 $99,999,000 $145,000 $9,999,000
FHA-insured (Federal Housing Administration) 11,396 $1,946,751,000 $170,000 $1,173,000 $71,000 $1,533,000
VA-guaranteed (Veterans Administration) 5,569 $1,197,517,000 $215,000 $1,013,000 $88,000 $1,044,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 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 72,056 $22,727,601,000 $315,000 $90,855,000 $159,000 $9,999,000
Loan Purchased By The Institution 24,419 $6,231,114,000 $255,000 $1,201,000 $105,000 $2,828,000
Application Withdrawn By Applicant 24,324 $6,791,322,000 $279,000 $99,999,000 $134,000 $9,999,000
Application Denied By Financial Institution 19,189 $4,228,422,000 $220,000 $8,000,000 $110,000 $9,999,000
File Closed For Incompleteness 15,425 $3,115,064,000 $201,000 $11,250,000 $117,000 $9,999,000
Preapproval Approved but not Accepted 11,030 $4,838,651,000 $438,000 $14,000,000 $185,000 $7,338,000
Preapproval Denied by Financial Institution 5,799 $1,682,287,000 $290,000 $8,000,000 $93,000 $2,781,000
Application Approved But Not Accepted 1,305 $351,833,000 $269,000 $10,000,000 $159,000 $5,640,000

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
Credit History 6,947 $1,322,041,000 $190,000 $3,480,000 $101,000 $4,500,000
Debt-To-Income Ratio 6,685 $2,180,810,000 $326,000 $8,000,000 $83,000 $1,901,000
Collateral 5,287 $1,148,456,000 $217,000 $6,000,000 $137,000 $9,999,000
Other 3,583 $605,238,000 $168,000 $3,000,000 $107,000 $6,831,000
Unverifiable Information 1,614 $400,676,000 $248,000 $4,875,000 $125,000 $5,162,000
Insufficient Cash (Downpayment, Closing Cost) 625 $190,558,000 $304,000 $8,000,000 $117,000 $2,781,000
Employment History 156 $41,342,000 $265,000 $1,280,000 $84,000 $480,000
Mortgage Insurance Denied 89 $21,243,000 $238,000 $563,000 $90,000 $300,000
Credit Application Incomplete 1 $168,000 $168,000 $168,000 $43,000 $43,000