Citifinancial, Inc. Mortgage Lending & HMDA Data, 2010
In 2010, Citifinancial, Inc. of Baltimore, MD reported 11,874 mortgage applications totaling $914.3 million, down 40% from 2009. The average application was for $77,002, and applicants reported an average income of $43,739. 4% of its applications resulted in an originated loan and 86% were denied. Its largest markets were Virginia Beach-Norfolk-Newport News, VA-NC (472), Detroit-Livonia-Dearborn, MI (469) and Richmond, VA (457) (applications in parentheses).
| Mortgage Company & Address | Citifinancial, Inc. 300 St. Paul Place Baltimore, MD 21202 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 11,874 |
| Total Mortgage Loan Application Amount | $914,326,000 |
| Average Mortgage Loan Application Amount | $77,002 |
| Highest Mortgage Loan Application Amount | $682,000 |
| Average Applicant Income | $43,739 |
| Highest Applicant Income | $772,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citifinancial, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Virginia Beach-Norfolk-Newport News, VA-NC | 472 | $ 49,015,000 | $ 103,845 | $ 50,000 |
| Detroit-Livonia-Dearborn, MI | 469 | $ 26,015,000 | $ 55,469 | $ 35,000 |
| Richmond, VA | 457 | $ 40,091,000 | $ 87,726 | $ 43,000 |
| Baltimore-Towson, MD | 363 | $ 29,242,000 | $ 80,556 | $ 54,000 |
| Wilmington, DE-MD-NJ | 332 | $ 27,915,000 | $ 84,081 | $ 43,379 |
| Warren-Troy-Farmington Hills, MI | 331 | $ 15,372,000 | $ 46,441 | $ 38,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 324 | $ 29,710,000 | $ 91,697 | $ 63,549 |
| Milwaukee-Waukesha-West Allis, WI | 187 | $ 14,861,000 | $ 79,470 | $ 44,000 |
| Burlington-South Burlington, VT | 164 | $ 21,479,000 | $ 130,969 | $ 50,000 |
| Albuquerque, NM | 144 | $ 14,466,000 | $ 100,458 | $ 43,000 |
| New Orleans-Metairie-Kenner, LA | 139 | $ 10,330,000 | $ 74,316 | $ 46,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 133 | $ 14,544,000 | $ 109,353 | $ 49,812 |
| Portland-South Portland-Biddeford, ME | 131 | $ 11,770,000 | $ 89,847 | $ 47,000 |
| Hartford-West Hartford-East Hartford, CT | 122 | $ 12,403,000 | $ 101,663 | $ 52,000 |
| Roanoke, VA | 121 | $ 8,423,000 | $ 69,611 | $ 35,000 |
| Rockingham County-Strafford County, NH | 121 | $ 13,856,000 | $ 114,512 | $ 60,000 |
| Lynchburg, VA | 112 | $ 8,360,000 | $ 74,642 | $ 35,000 |
| Phoenix-Mesa-Glendale, AZ | 106 | $ 4,785,000 | $ 45,141 | $ 42,000 |
| Tucson, AZ | 106 | $ 5,888,000 | $ 55,547 | $ 38,000 |
| Danville, VA | 97 | $ 4,949,000 | $ 51,020 | $ 27,000 |
| Wichita, KS | 97 | $ 6,349,000 | $ 65,453 | $ 40,000 |
| Manchester-Nashua, NH | 96 | $ 8,893,000 | $ 92,635 | $ 57,000 |
| Grand Rapids-Wyoming, MI | 94 | $ 5,139,000 | $ 54,670 | $ 36,000 |
| Salt Lake City, UT | 86 | $ 6,966,000 | $ 81,000 | $ 52,000 |
| New Haven-Milford, CT | 85 | $ 6,894,000 | $ 81,105 | $ 56,000 |
| Baton Rouge, LA | 84 | $ 5,886,000 | $ 70,071 | $ 54,000 |
| Flint, MI | 82 | $ 4,929,000 | $ 60,109 | $ 37,000 |
| Blacksburg-Christiansburg-Radford, VA | 77 | $ 4,822,000 | $ 62,623 | $ 38,000 |
| Monroe, MI | 76 | $ 6,107,000 | $ 80,355 | $ 44,000 |
| Seattle-Bellevue-Everett, WA | 73 | $ 8,980,000 | $ 123,013 | $ 60,000 |
| Omaha-Council Bluffs, NE-IA | 71 | $ 4,765,000 | $ 67,112 | $ 38,676 |
| Madison, WI | 69 | $ 7,292,000 | $ 105,681 | $ 51,000 |
| Kalamazoo-Portage, MI | 66 | $ 3,961,000 | $ 60,015 | $ 35,000 |
| Spokane, WA | 64 | $ 4,916,000 | $ 76,812 | $ 44,000 |
| Dover, DE | 63 | $ 4,504,000 | $ 71,492 | $ 51,000 |
| Idaho Falls, ID | 63 | $ 4,017,000 | $ 63,761 | $ 45,000 |
| Kansas City, MO-KS | 60 | $ 4,509,000 | $ 75,150 | $ 44,000 |
| Houma-Bayou Cane-Thibodaux, LA | 58 | $ 4,454,000 | $ 76,793 | $ 51,000 |
| Ogden-Clearfield, UT | 52 | $ 3,999,000 | $ 76,903 | $ 50,000 |
| Bethesda-Rockville-Frederick, MD | 51 | $ 7,071,000 | $ 138,647 | $ 75,000 |
| Muskegon-Norton Shores, MI | 50 | $ 2,718,000 | $ 54,360 | $ 28,000 |
| Saginaw-Saginaw Township North, MI | 49 | $ 2,463,000 | $ 50,265 | $ 35,000 |
| Bangor, ME | 48 | $ 3,245,000 | $ 67,604 | $ 39,000 |
| Kennewick-Pasco-Richland, WA | 47 | $ 2,386,000 | $ 50,765 | $ 46,000 |
| Green Bay, WI | 46 | $ 3,487,000 | $ 75,804 | $ 40,000 |
| Farmington, NM | 44 | $ 4,967,000 | $ 112,886 | $ 49,000 |
| Jackson, MI | 44 | $ 3,471,000 | $ 78,886 | $ 33,000 |
| Tacoma, WA | 44 | $ 5,476,000 | $ 124,454 | $ 50,000 |
| Shreveport-Bossier City, LA | 42 | $ 2,247,000 | $ 53,500 | $ 40,000 |
| Santa Fe, NM | 40 | $ 2,953,000 | $ 73,825 | $ 47,000 |
| Hagerstown-Martinsburg, MD-WV | 39 | $ 4,271,000 | $ 109,512 | $ 53,000 |
| Charlottesville, VA | 38 | $ 3,397,000 | $ 89,394 | $ 55,000 |
| Fargo, ND-MN | 38 | $ 4,290,000 | $ 112,894 | $ 59,000 |
| Lansing-East Lansing, MI | 37 | $ 2,335,000 | $ 63,108 | $ 40,000 |
| Sheboygan, WI | 37 | $ 3,173,000 | $ 85,756 | $ 45,000 |
| Boise City-Nampa, ID | 36 | $ 2,233,000 | $ 62,027 | $ 41,000 |
| Eau Claire, WI | 35 | $ 2,290,000 | $ 65,428 | $ 40,000 |
| Wausau, WI | 35 | $ 3,171,000 | $ 90,600 | $ 49,000 |
| Alexandria, LA | 34 | $ 1,909,000 | $ 56,147 | $ 37,000 |
| Monroe, LA | 33 | $ 1,798,000 | $ 54,484 | $ 30,000 |
| Racine, WI | 32 | $ 3,338,000 | $ 104,312 | $ 42,000 |
| Lincoln, NE | 31 | $ 2,126,000 | $ 68,580 | $ 43,000 |
| Yakima, WA | 31 | $ 2,122,000 | $ 68,451 | $ 44,000 |
| Billings, MT | 30 | $ 2,308,000 | $ 76,933 | $ 40,000 |
| Bridgeport-Stamford-Norwalk, CT | 30 | $ 2,495,000 | $ 83,166 | $ 56,000 |
| Fond Du Lac, WI | 30 | $ 1,963,000 | $ 65,433 | $ 33,000 |
| Lafayette, LA | 30 | $ 2,186,000 | $ 72,866 | $ 39,000 |
| Lake Charles, LA | 30 | $ 1,714,000 | $ 57,133 | $ 45,000 |
| Niles-Benton Harbor, MI | 30 | $ 1,690,000 | $ 56,333 | $ 38,000 |
| Provo-Orem, UT | 30 | $ 1,784,000 | $ 59,466 | $ 65,000 |
| Prescott, AZ | 29 | $ 1,431,000 | $ 49,344 | $ 37,000 |
| Janesville, WI | 28 | $ 1,759,000 | $ 62,821 | $ 37,000 |
| Salisbury, MD | 27 | $ 2,376,000 | $ 88,000 | $ 50,000 |
| Bend, OR | 26 | $ 3,615,000 | $ 139,038 | $ 40,000 |
| Cumberland, MD-WV | 26 | $ 2,073,000 | $ 79,730 | $ 38,000 |
| Lake County-Kenosha County, IL-WI | 26 | $ 2,522,000 | $ 97,000 | $ 44,000 |
| Las Cruces, NM | 26 | $ 1,856,000 | $ 71,384 | $ 35,000 |
| Duluth, MN-WI | 24 | $ 1,268,000 | $ 52,833 | $ 35,000 |
| Oshkosh-Neenah, WI | 24 | $ 2,080,000 | $ 86,666 | $ 50,000 |
| Winchester, VA-WV | 24 | $ 1,707,000 | $ 71,125 | $ 41,000 |
| Ann Arbor, MI | 23 | $ 827,000 | $ 35,956 | $ 49,000 |
| Eugene-Springfield, OR | 23 | $ 1,554,000 | $ 67,565 | $ 43,000 |
| Great Falls, MT | 22 | $ 1,234,000 | $ 56,090 | $ 37,000 |
| Lewiston-Auburn, ME | 21 | $ 1,726,000 | $ 82,190 | $ 41,000 |
| Bay City, MI | 20 | $ 976,000 | $ 48,800 | $ 30,000 |
| Casper, WY | 20 | $ 1,531,000 | $ 76,550 | $ 45,000 |
| Coeur D'Alene, ID | 19 | $ 997,000 | $ 52,473 | $ 43,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 19 | $ 2,246,000 | $ 118,210 | $ 56,000 |
| Olympia, WA | 19 | $ 1,853,000 | $ 97,526 | $ 52,000 |
| Sioux Falls, SD | 19 | $ 1,486,000 | $ 78,210 | $ 44,000 |
| Norwich-New London, CT | 18 | $ 1,519,000 | $ 84,388 | $ 56,000 |
| Pocatello, ID | 17 | $ 1,368,000 | $ 80,470 | $ 44,000 |
| Cheyenne, WY | 16 | $ 1,212,000 | $ 75,750 | $ 30,000 |
| La Crosse, WI-MN | 16 | $ 1,576,000 | $ 98,500 | $ 44,000 |
| Logan, UT-ID | 16 | $ 1,362,000 | $ 85,125 | $ 54,125 |
| Missoula, MT | 16 | $ 1,565,000 | $ 97,812 | $ 49,000 |
| Wenatchee-East Wenatchee, WA | 16 | $ 1,345,000 | $ 84,062 | $ 45,000 |
| Kingsport-Bristol-Bristol, TN-VA | 15 | $ 772,000 | $ 51,466 | $ 30,000 |
| South Bend-Mishawaka, IN-MI | 15 | $ 818,000 | $ 54,533 | $ 49,000 |
| Lake Havasu City-Kingman, AZ | 14 | $ 491,000 | $ 35,071 | $ 31,000 |
| Appleton, WI | 13 | $ 1,308,000 | $ 100,615 | $ 60,000 |
| Topeka, KS | 13 | $ 715,000 | $ 55,000 | $ 43,000 |
| Battle Creek, MI | 12 | $ 907,000 | $ 75,583 | $ 33,000 |
| Holland-Grand Haven, MI | 12 | $ 765,000 | $ 63,750 | $ 38,000 |
| Salem, OR | 11 | $ 787,000 | $ 71,545 | $ 39,000 |
| Bismarck, ND | 10 | $ 1,029,000 | $ 102,900 | $ 55,000 |
| Harrisonburg, VA | 9 | $ 628,000 | $ 69,777 | $ 42,000 |
| Sioux City, IA-NE-SD | 8 | $ 591,000 | $ 73,875 | $ 35,000 |
| Bremerton-Silverdale, WA | 7 | $ 438,000 | $ 62,571 | $ 49,000 |
| Grand Forks, ND-MN | 7 | $ 582,000 | $ 83,142 | $ 55,000 |
| Yuma, AZ | 7 | $ 381,000 | $ 54,428 | $ 49,000 |
| Lawrence, KS | 6 | $ 680,000 | $ 113,333 | $ 51,000 |
| Lewiston, ID-WA | 6 | $ 448,000 | $ 74,666 | $ 59,333 |
| Longview, WA | 6 | $ 403,000 | $ 67,166 | $ 37,000 |
| Medford, OR | 5 | $ 285,000 | $ 57,000 | $ 33,000 |
| Mount Vernon-Anacortes, WA | 5 | $ 267,000 | $ 53,400 | $ 41,000 |
| Flagstaff, AZ | 4 | $ 306,000 | $ 76,500 | $ 54,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 38,000 | $ 19,000 | $ 35,000 |
| St. George, UT | 2 | $ 84,000 | $ 42,000 | $ 37,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 78,000 | $ 78,000 | $ 9,000 |
| Bellingham, WA | 1 | $ 39,000 | $ 39,000 | $ 75,000 |
| Fort Worth-Arlington, TX | 1 | $ 61,000 | $ 61,000 | $ 15,000 |
| Indianapolis-Carmel, IN | 1 | $ 50,000 | $ 50,000 | $ 2,000 |
| Manhattan, KS | 1 | $ 94,000 | $ 94,000 | $ 7,000 |
| Odessa, TX | 1 | $ 70,000 | $ 70,000 | $ 37,000 |
| Peabody, MA | 1 | $ 130,000 | $ 130,000 | $ 60,000 |
| Philadelphia, PA | 1 | $ 232,000 | $ 232,000 | $ 46,000 |
| Rapid City, SD | 1 | $ 34,000 | $ 34,000 | $ 21,000 |
| Rocky Mount, NC | 1 | $ 60,000 | $ 60,000 | $ 41,000 |
| San Antonio-New Braunfels, TX | 1 | $ 34,000 | $ 34,000 | $ 10,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 16,000 | $ 16,000 | $ 13,000 |
| St. Joseph, MO-KS | 1 | $ 34,000 | $ 34,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Citifinancial, Inc. in 2010
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 | 10,996 | $869,737,000 | $79,000 | $682,000 | $43,000 | $540,000 |
| Home Improvement | 878 | $44,589,000 | $50,000 | $398,000 | $53,000 | $772,000 |
| Home Purchase | 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 | 7,403 | $588,408,000 | $79,000 | $682,000 | $45,000 | $532,000 |
| Black or African American | 2,210 | $167,124,000 | $75,000 | $461,000 | $42,000 | $540,000 |
| Not Provided | 1,351 | $92,683,000 | $68,000 | $524,000 | $44,000 | $188,000 |
| Hispanic | 741 | $52,219,000 | $70,000 | $335,000 | $39,000 | $772,000 |
| American Indian or Alaskan Native | 75 | $5,530,000 | $73,000 | $201,000 | $45,000 | $150,000 |
| Asian | 74 | $6,779,000 | $91,000 | $343,000 | $53,000 | $307,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $1,583,000 | $79,000 | $341,000 | $50,000 | $111,000 |
| Not applicable | 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) | 11,874 | $914,326,000 | $77,000 | $682,000 | $44,000 | $772,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 10,188 | $805,437,000 | $79,000 | $682,000 | $42,000 | $772,000 |
| Application Approved But Not Accepted | 991 | $58,668,000 | $59,000 | $384,000 | $59,000 | $540,000 |
| Loan Originated | 528 | $40,162,000 | $76,000 | $445,000 | $52,000 | $245,000 |
| Application Withdrawn By Applicant | 166 | $9,916,000 | $59,000 | $464,000 | $56,000 | $153,000 |
| File Closed For Incompleteness | 1 | $143,000 | $143,000 | $143,000 | $54,000 | $54,000 |
| 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 Citifinancial, Inc.'s 2010 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 Citifinancial, Inc.'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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