Citifinancial, Inc. Mortgage Lending & HMDA Data, 2011

In 2011, Citifinancial, Inc. of Baltimore, MD reported 2,238 mortgage applications totaling $97.0 million. The average application was for $43,361, and applicants reported an average income of $44,983. 23% of its applications resulted in an originated loan and 55% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (286), McAllen-Edinburg-Mission, TX (240) and San Antonio-New Braunfels, TX (184) (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 2011  
Total Number of Mortgage Applications 2,238
Total Mortgage Loan Application Amount $97,043,000
Average Mortgage Loan Application Amount $43,361
Highest Mortgage Loan Application Amount $308,000
Average Applicant Income $44,983
Highest Applicant Income $301,000

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Act (HMDA) records Citifinancial, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Citifinancial, Inc. by County in 2011

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Hidalgo, Texas 240 $ 8,657,000 $ 36,070 $ 39,000
Harris, Texas 173 $ 8,378,000 $ 48,427 $ 46,000
Bexar, Texas 143 $ 6,066,000 $ 42,419 $ 42,000
Cameron, Texas 140 $ 4,540,000 $ 32,428 $ 33,000
El Paso, Texas 136 $ 7,105,000 $ 52,242 $ 41,000
Tarrant, Texas 80 $ 3,359,000 $ 41,987 $ 47,000
Dallas, Texas 58 $ 2,908,000 $ 50,137 $ 43,000
Jefferson, Texas 54 $ 2,354,000 $ 43,592 $ 54,000
Nueces, Texas 48 $ 2,051,000 $ 42,729 $ 42,000
Ector, Texas 41 $ 2,135,000 $ 52,073 $ 59,000
Travis, Texas 38 $ 2,974,000 $ 78,263 $ 64,000
McLennan, Texas 33 $ 1,730,000 $ 52,424 $ 49,000
Montgomery, Texas 30 $ 1,560,000 $ 52,000 $ 50,000
Webb, Texas 28 $ 1,209,000 $ 43,178 $ 40,000
Lubbock, Texas 27 $ 876,000 $ 32,444 $ 46,000
Grayson, Texas 25 $ 784,000 $ 31,360 $ 42,000
Fort Bend, Texas 21 $ 1,024,000 $ 48,761 $ 48,000
Potter, Texas 21 $ 771,000 $ 36,714 $ 40,000
Victoria, Texas 21 $ 970,000 $ 46,190 $ 51,000
Tom Green, Texas 20 $ 751,000 $ 37,550 $ 39,000
Hale, Texas 19 $ 660,000 $ 34,736 $ 35,000
Kaufman, Texas 19 $ 815,000 $ 42,894 $ 42,000
Taylor, Texas 18 $ 619,000 $ 34,388 $ 43,000
Collin, Texas 17 $ 1,058,000 $ 62,235 $ 59,000
Lamar, Texas 17 $ 670,000 $ 39,411 $ 46,000
Bell, Texas 16 $ 768,000 $ 48,000 $ 46,000
Denton, Texas 16 $ 1,077,000 $ 67,312 $ 72,000
Galveston, Texas 16 $ 960,000 $ 60,000 $ 71,000
Henderson, Texas 16 $ 764,000 $ 47,750 $ 55,000
Comal, Texas 15 $ 656,000 $ 43,733 $ 48,000
Guadalupe, Texas 15 $ 798,000 $ 53,200 $ 48,000
Walker, Texas 15 $ 733,000 $ 48,866 $ 43,000
Williamson, Texas 15 $ 695,000 $ 46,333 $ 54,000
Anderson, Texas 14 $ 656,000 $ 46,857 $ 48,000
Brazoria, Texas 14 $ 610,000 $ 43,571 $ 60,000
Fannin, Texas 14 $ 482,000 $ 34,428 $ 48,000
Gregg, Texas 14 $ 768,000 $ 54,857 $ 54,000
Willacy, Texas 14 $ 532,000 $ 38,000 $ 54,000
Bastrop, Texas 13 $ 693,000 $ 53,307 $ 52,000
Orange, Texas 13 $ 483,000 $ 37,153 $ 35,000
Polk, Texas 13 $ 513,000 $ 39,461 $ 47,000
Starr, Texas 13 $ 492,000 $ 37,846 $ 32,000
Liberty, Texas 12 $ 558,000 $ 46,500 $ 43,000
Brazos, Texas 11 $ 497,000 $ 45,181 $ 46,000
Howard, Texas 11 $ 370,000 $ 33,636 $ 50,000
Jim Wells, Texas 11 $ 617,000 $ 56,090 $ 47,000
Maverick, Texas 11 $ 383,000 $ 34,818 $ 30,000
Uvalde, Texas 11 $ 238,000 $ 21,636 $ 29,000
Angelina, Texas 10 $ 276,000 $ 27,600 $ 41,000
San Jacinto, Texas 10 $ 537,000 $ 53,700 $ 46,000
Andrews, Texas 9 $ 303,000 $ 33,666 $ 67,000
Coryell, Texas 9 $ 507,000 $ 56,333 $ 58,000
Rusk, Texas 9 $ 427,000 $ 47,444 $ 44,000
Wichita, Texas 9 $ 339,000 $ 37,666 $ 43,000
Bowie, Texas 8 $ 394,000 $ 49,250 $ 43,000
Cherokee, Texas 8 $ 416,000 $ 52,000 $ 41,000
Johnson, Texas 8 $ 416,000 $ 52,000 $ 54,000
San Patricio, Texas 8 $ 372,000 $ 46,500 $ 60,000
Smith, Texas 8 $ 280,000 $ 35,000 $ 43,000
Wharton, Texas 8 $ 378,000 $ 47,250 $ 41,000
Hill, Texas 7 $ 435,000 $ 62,142 $ 51,000
Hunt, Texas 7 $ 306,000 $ 43,714 $ 36,000
Randall, Texas 7 $ 491,000 $ 70,142 $ 50,000
Trinity, Texas 7 $ 245,000 $ 35,000 $ 34,000
Upshur, Texas 7 $ 282,000 $ 40,285 $ 47,000
Van Zandt, Texas 7 $ 351,000 $ 50,142 $ 38,000
Cass, Texas 6 $ 265,000 $ 44,166 $ 51,000
Hopkins, Texas 6 $ 226,000 $ 37,666 $ 45,000
Madison, Texas 6 $ 283,000 $ 47,166 $ 39,000
Matagorda, Texas 6 $ 295,000 $ 49,166 $ 42,000
Midland, Texas 6 $ 310,000 $ 51,666 $ 65,000
Morris, Texas 6 $ 165,000 $ 27,500 $ 29,000
Navarro, Texas 6 $ 170,000 $ 28,333 $ 34,000
Val Verde, Texas 6 $ 281,000 $ 46,833 $ 44,000
Zavala, Texas 6 $ 203,000 $ 33,833 $ 34,000
Caldwell, Texas 5 $ 167,000 $ 33,400 $ 40,000
Chambers, Texas 5 $ 144,000 $ 28,800 $ 39,000
Ellis, Texas 5 $ 194,000 $ 38,800 $ 31,000
Hockley, Texas 5 $ 156,000 $ 31,200 $ 50,000
Kleberg, Texas 5 $ 194,000 $ 38,800 $ 46,000
Medina, Texas 5 $ 127,000 $ 25,400 $ 40,000
Moore, Texas 5 $ 197,000 $ 39,400 $ 47,000
Nacogdoches, Texas 5 $ 137,000 $ 27,400 $ 66,000
Parker, Texas 5 $ 266,000 $ 53,200 $ 50,000
Wilbarger, Texas 5 $ 161,000 $ 32,200 $ 29,000
Aransas, Texas 4 $ 282,000 $ 70,500 $ 50,000
Atascosa, Texas 4 $ 133,000 $ 33,250 $ 35,000
Burleson, Texas 4 $ 142,000 $ 35,500 $ 45,000
Colorado, Texas 4 $ 151,000 $ 37,750 $ 50,000
Grimes, Texas 4 $ 142,000 $ 35,500 $ 30,000
Harrison, Texas 4 $ 162,000 $ 40,500 $ 34,000
Hays, Texas 4 $ 190,000 $ 47,500 $ 49,000
Houston, Texas 4 $ 151,000 $ 37,750 $ 31,000
Hutchinson, Texas 4 $ 104,000 $ 26,000 $ 49,000
Jackson, Texas 4 $ 159,000 $ 39,750 $ 39,000
Lampasas, Texas 4 $ 263,000 $ 65,750 $ 46,000
Red River, Texas 4 $ 92,000 $ 23,000 $ 26,000
Reeves, Texas 4 $ 61,000 $ 15,250 $ 40,000
Scurry, Texas 4 $ 170,000 $ 42,500 $ 54,000
Waller, Texas 4 $ 196,000 $ 49,000 $ 41,000
Brooks, Texas 3 $ 120,000 $ 40,000 $ 51,000
Calhoun, Texas 3 $ 123,000 $ 41,000 $ 50,000
Castro, Texas 3 $ 67,000 $ 22,333 $ 29,000
Dawson, Texas 3 $ 80,000 $ 26,666 $ 58,000
Delta, Texas 3 $ 75,000 $ 25,000 $ 26,000
Dimmit, Texas 3 $ 141,000 $ 47,000 $ 20,000
Frio, Texas 3 $ 86,000 $ 28,666 $ 54,000
Goliad, Texas 3 $ 163,000 $ 54,333 $ 68,000
Lamb, Texas 3 $ 72,000 $ 24,000 $ 48,000
Nolan, Texas 3 $ 49,000 $ 16,333 $ 35,000
Panola, Texas 3 $ 79,000 $ 26,333 $ 30,000
Pecos, Texas 3 $ 112,000 $ 37,333 $ 38,000
Robertson, Texas 3 $ 112,000 $ 37,333 $ 57,000
Upton, Texas 3 $ 78,000 $ 26,000 $ 70,000
Winkler, Texas 3 $ 128,000 $ 42,666 $ 65,000
Wise, Texas 3 $ 157,000 $ 52,333 $ 70,000
Yoakum, Texas 3 $ 125,000 $ 41,666 $ 54,000
Bee, Texas 2 $ 60,000 $ 30,000 $ 69,000
Burnet, Texas 2 $ 75,000 $ 37,500 $ 44,000
Camp, Texas 2 $ 87,000 $ 43,500 $ 49,000
Clay, Texas 2 $ 145,000 $ 72,500 $ 61,000
Deaf Smith, Texas 2 $ 31,000 $ 15,500 $ 19,000
DeWitt, Texas 2 $ 98,000 $ 49,000 $ 17,000
Duval, Texas 2 $ 29,000 $ 14,500 $ 60,000
Falls, Texas 2 $ 51,000 $ 25,500 $ 40,000
Floyd, Texas 2 $ 44,000 $ 22,000 $ 56,000
Gaines, Texas 2 $ 66,000 $ 33,000 $ 56,000
Hardeman, Texas 2 $ 64,000 $ 32,000 $ 77,000
Hemphill, Texas 2 $ 85,000 $ 42,500 $ 58,000
Hood, Texas 2 $ 105,000 $ 52,500 $ 29,000
Limestone, Texas 2 $ 141,000 $ 70,500 $ 54,000
Martin, Texas 2 $ 116,000 $ 58,000 $ 55,000
Milam, Texas 2 $ 45,000 $ 22,500 $ 25,000
Mitchell, Texas 2 $ 53,000 $ 26,500 $ 29,000
Montague, Texas 2 $ 75,000 $ 37,500 $ 31,000
Ochiltree, Texas 2 $ 68,000 $ 34,000 $ 82,000
Palo Pinto, Texas 2 $ 57,000 $ 28,500 $ 30,000
Presidio, Texas 2 $ 62,000 $ 31,000 $ 26,000
Refugio, Texas 2 $ 29,000 $ 14,500 $ 41,000
Rockwall, Texas 2 $ 198,000 $ 99,000 $ 91,000
Sutton, Texas 2 $ 58,000 $ 29,000 $ 73,000
Titus, Texas 2 $ 131,000 $ 65,500 $ 57,000
Ward, Texas 2 $ 37,000 $ 18,500 $ 37,000
Wood, Texas 2 $ 66,000 $ 33,000 $ 27,000
Zapata, Texas 2 $ 75,000 $ 37,500 $ 24,000
Williamson, Tennessee 1 $ 20,000 $ 20,000 $ 108,000
Archer, Texas 1 $ 55,000 $ 55,000 $ 24,000
Austin, Texas 1 $ 30,000 $ 30,000 $ 57,000
Bandera, Texas 1 $ 50,000 $ 50,000 $ 56,000
Briscoe, Texas 1 $ 24,000 $ 24,000 $ 77,000
Brown, Texas 1 $ 26,000 $ 26,000 $ 41,000
Callahan, Texas 1 $ 56,000 $ 56,000 $ 39,000
Carson, Texas 1 $ 67,000 $ 67,000 $ 37,000
Coleman, Texas 1 $ 25,000 $ 25,000 $ 70,000
Concho, Texas 1 $ 90,000 $ 90,000 $ 42,000
Crockett, Texas 1 $ 38,000 $ 38,000 $ 74,000
Crosby, Texas 1 $ 15,000 $ 15,000 $ 30,000
Culberson, Texas 1 $ 55,000 $ 55,000 $ 58,000
Donley, Texas 1 $ 33,000 $ 33,000 $ 48,000
Eastland, Texas 1 $ 12,000 $ 12,000 $ 55,000
Erath, Texas 1 $ 308,000 $ 308,000 $ 71,000
Freestone, Texas 1 $ 66,000 $ 66,000 $ 52,000
Garza, Texas 1 $ 15,000 $ 15,000 $ 53,000
Glasscock, Texas 1 $ 67,000 $ 67,000 $ 64,000
Gray, Texas 1 $ 45,000 $ 45,000 $ 82,000
Hamilton, Texas 1 $ 35,000 $ 35,000 $ 24,000
Irion, Texas 1 $ 10,000 $ 10,000 $ 44,000
Jones, Texas 1 $ 36,000 $ 36,000 $ 48,000
Karnes, Texas 1 $ 27,000 $ 27,000 $ 47,000
Kerr, Texas 1 $ 13,000 $ 13,000 $ 24,000
Knox, Texas 1 $ 30,000 $ 30,000 $ 15,000
Lavaca, Texas 1 $ 19,000 $ 19,000 $ 27,000
Lee, Texas 1 $ 17,000 $ 17,000 $ 27,000
Lynn, Texas 1 $ 42,000 $ 42,000 $ 107,000
Oldham, Texas 1 $ 12,000 $ 12,000 $ 35,000
Parmer, Texas 1 $ 28,000 $ 28,000 $ 38,000
Rains, Texas 1 $ 55,000 $ 55,000 $ 60,000
San Augustine, Texas 1 $ 25,000 $ 25,000 $ 51,000
Shelby, Texas 1 $ 75,000 $ 75,000 $ 40,000
Somervell, Texas 1 $ 24,000 $ 24,000 $ 49,000
Stephens, Texas 1 $ 12,000 $ 12,000 $ 63,000
Swisher, Texas 1 $ 18,000 $ 18,000 $ 34,000
Terrell, Texas 1 $ 15,000 $ 15,000 $ 88,000
Tyler, Texas 1 $ 11,000 $ 11,000 $ 100,000
Washington, Texas 1 $ 25,000 $ 25,000 $ 16,000
Wilson, Texas 1 $ 38,000 $ 38,000 $ 30,000

Mortgage Loan Application Detail Totals for Citifinancial, Inc. in 2011

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 1,504 $70,411,000 $46,000 $308,000 $44,000 $199,000
Home Improvement 734 $26,632,000 $36,000 $166,000 $47,000 $301,000
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
Hispanic 1,161 $47,534,000 $40,000 $201,000 $41,000 $199,000
White 558 $27,242,000 $48,000 $308,000 $52,000 $301,000
Black or African American 262 $11,100,000 $42,000 $178,000 $43,000 $181,000
Not Provided 240 $10,487,000 $43,000 $296,000 $49,000 $180,000
Asian 9 $460,000 $51,000 $98,000 $56,000 $100,000
American Indian or Alaskan Native 5 $152,000 $30,000 $56,000 $39,000 $53,000
Native Hawaiian or Other Pacific Islander 3 $68,000 $22,000 $30,000 $41,000 $76,000
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) 2,238 $97,043,000 $43,000 $308,000 $45,000 $301,000
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 1,242 $54,509,000 $43,000 $308,000 $39,000 $267,000
Loan Originated 519 $23,379,000 $45,000 $207,000 $50,000 $301,000
Application Approved But Not Accepted 389 $15,628,000 $40,000 $172,000 $55,000 $199,000
Application Withdrawn By Applicant 88 $3,527,000 $40,000 $106,000 $55,000 $175,000
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 Citifinancial, Inc.'s 2011 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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