Citifinancial Services, Inc. Mortgage Lending & HMDA Data, 2010

In 2010, Citifinancial Services, Inc. of Baltimore, MD reported 6,157 mortgage applications totaling $439.8 million, down 19% from 2009. The average application was for $71,434, and applicants reported an average income of $40,437. 7% of its applications resulted in an originated loan and 82% were denied. Its largest markets were Charlotte-Gastonia-Rock Hill, NC-SC (686), Chicago-Joliet-Naperville, IL (670) and Greensboro-High Point, NC (316) (applications in parentheses).

Mortgage Company & Address Citifinancial Services, 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 6,157
Total Mortgage Loan Application Amount $439,820,000
Average Mortgage Loan Application Amount $71,434
Highest Mortgage Loan Application Amount $587,000
Average Applicant Income $40,437
Highest Applicant Income $509,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citifinancial Services, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Services, Inc. by County in 2010

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 430 $ 45,641,000 $ 106,141 $ 51,000
Mecklenburg, North Carolina 285 $ 17,279,000 $ 60,628 $ 39,000
Guilford, North Carolina 188 $ 14,304,000 $ 76,085 $ 39,000
Union, North Carolina 128 $ 10,343,000 $ 80,804 $ 41,000
Gaston, North Carolina 127 $ 8,441,000 $ 66,464 $ 34,000
Davidson, North Carolina 126 $ 9,008,000 $ 71,492 $ 34,000
Cabarrus, North Carolina 125 $ 9,012,000 $ 72,096 $ 38,000
Madison, Illinois 113 $ 6,982,000 $ 61,787 $ 41,000
Iredell, North Carolina 110 $ 6,931,000 $ 63,009 $ 40,000
St. Clair, Illinois 94 $ 4,628,000 $ 49,234 $ 41,000
Forsyth, North Carolina 94 $ 7,060,000 $ 75,106 $ 40,000
Catawba, North Carolina 90 $ 6,217,000 $ 69,077 $ 37,000
Cleveland, North Carolina 90 $ 5,838,000 $ 64,866 $ 34,000
Columbus, North Carolina 90 $ 5,955,000 $ 66,166 $ 37,000
Randolph, North Carolina 86 $ 6,684,000 $ 77,720 $ 40,000
Rowan, North Carolina 86 $ 5,280,000 $ 61,395 $ 37,000
Brunswick, North Carolina 85 $ 6,457,000 $ 75,964 $ 35,000
New Hanover, North Carolina 83 $ 7,568,000 $ 91,180 $ 47,000
Will, Illinois 82 $ 7,332,000 $ 89,414 $ 52,000
Beaufort, North Carolina 82 $ 5,331,000 $ 65,012 $ 39,000
Cumberland, North Carolina 82 $ 5,662,000 $ 69,048 $ 48,000
Buncombe, North Carolina 77 $ 5,906,000 $ 76,701 $ 35,000
Edgecombe, North Carolina 77 $ 4,412,000 $ 57,298 $ 31,000
Alamance, North Carolina 75 $ 5,364,000 $ 71,520 $ 39,000
Wake, North Carolina 75 $ 6,974,000 $ 92,986 $ 45,000
Halifax, North Carolina 67 $ 3,901,000 $ 58,223 $ 40,000
Kane, Illinois 65 $ 5,093,000 $ 78,353 $ 46,000
Pitt, North Carolina 65 $ 3,791,000 $ 58,323 $ 39,000
Nash, North Carolina 64 $ 4,645,000 $ 72,578 $ 39,000
Robeson, North Carolina 64 $ 4,245,000 $ 66,328 $ 38,000
Craven, North Carolina 63 $ 3,925,000 $ 62,301 $ 39,000
Wayne, North Carolina 61 $ 3,952,000 $ 64,786 $ 37,000
Wilson, North Carolina 57 $ 3,781,000 $ 66,333 $ 37,000
Lenoir, North Carolina 52 $ 2,970,000 $ 57,115 $ 40,000
Pender, North Carolina 52 $ 4,117,000 $ 79,173 $ 38,000
Burke, North Carolina 51 $ 3,400,000 $ 66,666 $ 36,000
Stanly, North Carolina 51 $ 3,546,000 $ 69,529 $ 37,000
Bertie, North Carolina 50 $ 2,662,000 $ 53,240 $ 34,000
Pasquotank, North Carolina 49 $ 6,847,000 $ 139,734 $ 52,000
Lincoln, North Carolina 46 $ 2,762,000 $ 60,043 $ 38,000
Winnebago, Illinois 45 $ 2,947,000 $ 65,488 $ 46,000
Rutherford, North Carolina 45 $ 2,694,000 $ 59,866 $ 32,000
Peoria, Illinois 44 $ 2,275,000 $ 51,704 $ 39,000
Washington, North Carolina 43 $ 2,137,000 $ 49,697 $ 35,000
McLean, Illinois 42 $ 3,504,000 $ 83,428 $ 53,000
Carteret, North Carolina 42 $ 3,460,000 $ 82,380 $ 44,000
Henderson, North Carolina 42 $ 3,644,000 $ 86,761 $ 38,000
Onslow, North Carolina 42 $ 3,403,000 $ 81,023 $ 50,000
Rockingham, North Carolina 42 $ 2,310,000 $ 55,000 $ 39,000
Caldwell, North Carolina 41 $ 3,068,000 $ 74,829 $ 29,000
Johnston, North Carolina 41 $ 2,664,000 $ 64,975 $ 40,000
DuPage, Illinois 39 $ 4,057,000 $ 104,025 $ 57,000
Champaign, Illinois 38 $ 2,495,000 $ 65,657 $ 39,000
Vermilion, Illinois 38 $ 1,562,000 $ 41,105 $ 38,000
Harnett, North Carolina 38 $ 2,145,000 $ 56,447 $ 36,000
Hertford, North Carolina 37 $ 2,374,000 $ 64,162 $ 36,000
Duplin, North Carolina 35 $ 2,322,000 $ 66,342 $ 27,000
Northampton, North Carolina 35 $ 1,973,000 $ 56,371 $ 31,000
Stokes, North Carolina 35 $ 2,339,000 $ 66,828 $ 35,000
Surry, North Carolina 34 $ 2,716,000 $ 79,882 $ 35,000
Haywood, North Carolina 32 $ 3,100,000 $ 96,875 $ 43,000
Macon, Illinois 31 $ 1,559,000 $ 50,290 $ 36,000
Richmond, North Carolina 29 $ 1,915,000 $ 66,034 $ 27,000
Granville, North Carolina 28 $ 1,961,000 $ 70,035 $ 36,000
Martin, North Carolina 27 $ 1,617,000 $ 59,888 $ 37,000
Moore, North Carolina 27 $ 2,266,000 $ 83,925 $ 42,000
Franklin, Illinois 26 $ 1,191,000 $ 45,807 $ 40,000
Sangamon, Illinois 26 $ 2,048,000 $ 78,769 $ 48,000
Tazewell, Illinois 25 $ 1,250,000 $ 50,000 $ 41,000
Gates, North Carolina 25 $ 1,961,000 $ 78,440 $ 47,000
Coles, Illinois 24 $ 1,174,000 $ 48,916 $ 36,000
Lake, Illinois 24 $ 2,669,000 $ 111,208 $ 63,000
Whiteside, Illinois 24 $ 1,263,000 $ 52,625 $ 35,000
Chowan, North Carolina 24 $ 2,116,000 $ 88,166 $ 36,000
Scotland, North Carolina 24 $ 1,240,000 $ 51,666 $ 23,000
Jackson, Illinois 23 $ 1,389,000 $ 60,391 $ 41,000
Macoupin, Illinois 23 $ 1,339,000 $ 58,217 $ 32,000
Rock Island, Illinois 23 $ 1,435,000 $ 62,391 $ 71,000
Williamson, Illinois 23 $ 1,066,000 $ 46,347 $ 47,000
Bladen, North Carolina 23 $ 1,515,000 $ 65,869 $ 30,000
McDowell, North Carolina 23 $ 1,229,000 $ 53,434 $ 35,000
Jefferson, Illinois 22 $ 920,000 $ 41,818 $ 34,000
Chatham, North Carolina 22 $ 1,734,000 $ 78,818 $ 42,000
Anson, North Carolina 21 $ 1,373,000 $ 65,380 $ 37,000
Adams, Illinois 20 $ 1,172,000 $ 58,600 $ 32,000
Davie, North Carolina 20 $ 1,409,000 $ 70,450 $ 32,000
Montgomery, North Carolina 20 $ 1,087,000 $ 54,350 $ 29,000
Perquimans, North Carolina 20 $ 1,962,000 $ 98,100 $ 46,000
McHenry, Illinois 19 $ 1,663,000 $ 87,526 $ 62,000
Sampson, North Carolina 19 $ 1,092,000 $ 57,473 $ 44,000
Transylvania, North Carolina 19 $ 1,969,000 $ 103,631 $ 38,000
Wilkes, North Carolina 19 $ 1,043,000 $ 54,894 $ 26,000
Randolph, Illinois 18 $ 1,146,000 $ 63,666 $ 52,000
Alexander, North Carolina 18 $ 1,134,000 $ 63,000 $ 31,000
Currituck, North Carolina 18 $ 2,430,000 $ 135,000 $ 55,000
Kankakee, Illinois 17 $ 674,000 $ 39,647 $ 34,000
Marion, Illinois 17 $ 922,000 $ 54,235 $ 35,000
Caswell, North Carolina 17 $ 1,084,000 $ 63,764 $ 51,000
Hoke, North Carolina 17 $ 905,000 $ 53,235 $ 46,000
Madison, North Carolina 17 $ 1,256,000 $ 73,882 $ 39,000
Mitchell, North Carolina 17 $ 835,000 $ 49,117 $ 28,000
Pamlico, North Carolina 17 $ 933,000 $ 54,882 $ 38,000
Vance, North Carolina 17 $ 1,136,000 $ 66,823 $ 34,000
DeKalb, Illinois 16 $ 1,124,000 $ 70,250 $ 60,000
Hancock, Illinois 16 $ 860,000 $ 53,750 $ 79,000
LaSalle, Illinois 16 $ 1,301,000 $ 81,312 $ 44,000
Dare, North Carolina 16 $ 1,477,000 $ 92,312 $ 45,000
Greene, North Carolina 16 $ 924,000 $ 57,750 $ 39,000
Fulton, Illinois 15 $ 1,022,000 $ 68,133 $ 47,000
Woodford, Illinois 15 $ 1,039,000 $ 69,266 $ 45,000
Ogle, Illinois 14 $ 843,000 $ 60,214 $ 41,000
Franklin, North Carolina 14 $ 1,257,000 $ 89,785 $ 38,000
Jackson, North Carolina 14 $ 984,000 $ 70,285 $ 41,000
Person, North Carolina 14 $ 1,086,000 $ 77,571 $ 38,000
Durham, North Carolina 13 $ 803,000 $ 61,769 $ 33,000
Orange, North Carolina 13 $ 1,248,000 $ 96,000 $ 51,000
Jersey, Illinois 12 $ 1,514,000 $ 126,166 $ 56,000
Camden, North Carolina 12 $ 1,503,000 $ 125,250 $ 42,000
Warren, North Carolina 12 $ 854,000 $ 71,166 $ 31,000
Grundy, Illinois 11 $ 627,000 $ 57,000 $ 44,000
Boone, Illinois 10 $ 855,000 $ 85,500 $ 62,000
Shelby, Illinois 10 $ 440,000 $ 44,000 $ 39,000
Hyde, North Carolina 10 $ 682,000 $ 68,200 $ 25,000
Lee, North Carolina 10 $ 654,000 $ 65,400 $ 25,000
Tyrrell, North Carolina 10 $ 564,000 $ 56,400 $ 35,000
Yancey, North Carolina 10 $ 673,000 $ 67,300 $ 35,000
Douglas, Illinois 9 $ 398,000 $ 44,222 $ 60,000
McDonough, Illinois 9 $ 432,000 $ 48,000 $ 34,000
Ashe, North Carolina 9 $ 747,000 $ 83,000 $ 37,000
Iroquois, Illinois 8 $ 1,118,000 $ 139,750 $ 44,000
Kendall, Illinois 8 $ 239,000 $ 29,875 $ 62,000
Livingston, Illinois 8 $ 365,000 $ 45,625 $ 44,000
Warren, Illinois 8 $ 308,000 $ 38,500 $ 21,000
Jones, North Carolina 8 $ 413,000 $ 51,625 $ 45,000
Clinton, Illinois 7 $ 483,000 $ 69,000 $ 43,000
Lee, Illinois 7 $ 212,000 $ 30,285 $ 29,000
Perry, Illinois 7 $ 261,000 $ 37,285 $ 44,000
Avery, North Carolina 7 $ 694,000 $ 99,142 $ 59,000
Watauga, North Carolina 7 $ 658,000 $ 94,000 $ 23,000
Yadkin, North Carolina 7 $ 571,000 $ 81,571 $ 49,000
Moultrie, Illinois 6 $ 198,000 $ 33,000 $ 25,000
Piatt, Illinois 6 $ 322,000 $ 53,666 $ 32,000
Alexander, Illinois 5 $ 103,000 $ 20,600 $ 39,000
Bond, Illinois 5 $ 323,000 $ 64,600 $ 34,000
Cumberland, Illinois 5 $ 120,000 $ 24,000 $ 44,000
De Witt, Illinois 5 $ 184,000 $ 36,800 $ 22,000
Ford, Illinois 5 $ 192,000 $ 38,400 $ 36,000
Greene, Illinois 5 $ 286,000 $ 57,200 $ 40,000
Knox, Illinois 5 $ 298,000 $ 59,600 $ 46,000
Monroe, Illinois 5 $ 190,000 $ 38,000 $ 42,000
Montgomery, Illinois 5 $ 150,000 $ 30,000 $ 33,000
Morgan, Illinois 5 $ 416,000 $ 83,200 $ 38,000
Saline, Illinois 5 $ 375,000 $ 75,000 $ 53,000
Macon, North Carolina 5 $ 327,000 $ 65,400 $ 32,000
Christian, Illinois 4 $ 191,000 $ 47,750 $ 69,000
Clark, Illinois 4 $ 101,000 $ 25,250 $ 43,000
Henry, Illinois 4 $ 398,000 $ 99,500 $ 28,000
Pulaski, Illinois 4 $ 135,000 $ 33,750 $ 45,000
Stephenson, Illinois 4 $ 187,000 $ 46,750 $ 28,000
Union, Illinois 4 $ 331,000 $ 82,750 $ 65,000
White, Illinois 4 $ 183,000 $ 45,750 $ 56,000
Alleghany, North Carolina 4 $ 382,000 $ 95,500 $ 29,000
Polk, North Carolina 4 $ 413,000 $ 103,250 $ 43,000
Fulton, Georgia 3 $ 175,000 $ 58,333 $ 36,000
Calhoun, Illinois 3 $ 195,000 $ 65,000 $ 44,000
Carroll, Illinois 3 $ 158,000 $ 52,666 $ 41,000
Edgar, Illinois 3 $ 83,000 $ 27,666 $ 32,000
Fayette, Illinois 3 $ 200,000 $ 66,666 $ 54,000
Logan, Illinois 3 $ 138,000 $ 46,000 $ 28,000
Schuyler, Illinois 3 $ 164,000 $ 54,666 $ 43,000
Scott, Illinois 3 $ 96,000 $ 32,000 $ 33,000
Washington, Illinois 3 $ 189,000 $ 63,000 $ 50,000
Wayne, Illinois 3 $ 216,000 $ 72,000 $ 64,000
Cherokee, North Carolina 3 $ 309,000 $ 103,000 $ 40,000
Clay, Illinois 2 $ 192,000 $ 96,000 $ 68,000
Effingham, Illinois 2 $ 78,000 $ 39,000 $ 22,000
Hamilton, Illinois 2 $ 94,000 $ 47,000 $ 60,000
Mason, Illinois 2 $ 140,000 $ 70,000 $ 48,000
Massac, Illinois 2 $ 67,000 $ 33,500 $ 33,000
Pike, Illinois 2 $ 74,000 $ 37,000 $ 22,000
Brown, Illinois 1 $ 32,000 $ 32,000 $ 61,000
Bureau, Illinois 1 $ 50,000 $ 50,000 $ 75,000
Cass, Illinois 1 $ 16,000 $ 16,000 $ 79,000
Henderson, Illinois 1 $ 27,000 $ 27,000 $ 28,000
Jasper, Illinois 1 $ 23,000 $ 23,000 $ 15,000
Jo Daviess, Illinois 1 $ 59,000 $ 59,000 $ 38,000
Johnson, Illinois 1 $ 20,000 $ 20,000 $ 37,000
Marshall, Illinois 1 $ 22,000 $ 22,000 $ 104,000
Mercer, Illinois 1 $ 169,000 $ 169,000 $ 23,000
Putnam, Illinois 1 $ 61,000 $ 61,000 $ 102,000
Stark, Illinois 1 $ 51,000 $ 51,000 $ 52,000
Atchison, Kansas 1 $ 49,000 $ 49,000 $ 76,000
Monroe, Missouri 1 $ 17,000 $ 17,000 $ 12,000
Ralls, Missouri 1 $ 28,000 $ 28,000 $ 37,000
St. Louis City, Missouri 1 $ 45,000 $ 45,000 $ 41,000
Graham, North Carolina 1 $ 28,000 $ 28,000 $ 71,000

Mortgage Loan Application Detail Totals for Citifinancial Services, 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 5,618 $415,112,000 $73,000 $587,000 $40,000 $509,000
Home Improvement 539 $24,708,000 $45,000 $250,000 $45,000 $316,000
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 3,439 $252,165,000 $73,000 $587,000 $42,000 $405,000
Black or African American 1,922 $129,594,000 $67,000 $476,000 $37,000 $466,000
Not Provided 487 $31,241,000 $64,000 $437,000 $46,000 $260,000
Hispanic 235 $20,100,000 $85,000 $322,000 $35,000 $147,000
American Indian or Alaskan Native 52 $3,464,000 $66,000 $221,000 $36,000 $100,000
Asian 21 $3,174,000 $151,000 $389,000 $73,000 $509,000
Native Hawaiian or Other Pacific Islander 1 $82,000 $82,000 $82,000 $25,000 $25,000
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) 6,157 $439,820,000 $71,000 $587,000 $40,000 $509,000
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 5,074 $375,220,000 $73,000 $587,000 $38,000 $466,000
Application Approved But Not Accepted 571 $31,696,000 $55,000 $403,000 $52,000 $509,000
Loan Originated 410 $26,536,000 $64,000 $181,000 $45,000 $204,000
Application Withdrawn By Applicant 102 $6,368,000 $62,000 $276,000 $57,000 $185,000
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 Services, 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 Services, 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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