Citizens Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Citizens Bank 2003 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 328 S Saginaw St Flint, MI 48502 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 15,459 |
| Total Mortgage Loan Application Amount | $1,579,850,000 |
| Average Mortgage Loan Application Amount | $177,371 |
| Highest Mortgage Loan Application Amount | $1,900,000 |
| Average Applicant Income | $109,028 |
| Highest Applicant Income | $6,624,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Citizens Bank. 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's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Citizens Bank'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 serves its applicants.
Each category highlights the total number of mortgage applications processed by Citizens Bank, 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's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Genesee County Michigan | 2,664 | $ 212,592,000 | $ 79,000 | $ 72,000 |
| Oakland County Michigan | 1,229 | $ 200,616,000 | $ 163,000 | $ 139,000 |
| Saginaw County Michigan | 1,127 | $ 94,216,000 | $ 83,000 | $ 78,000 |
| Wayne County Michigan | 636 | $ 84,673,000 | $ 133,000 | $ 72,000 |
| Bay County Michigan | 631 | $ 46,426,000 | $ 73,000 | $ 78,000 |
| Wexford County Michigan | 596 | $ 45,631,000 | $ 76,000 | $ 77,000 |
| Jackson County Michigan | 554 | $ 41,102,000 | $ 74,000 | $ 56,000 |
| Clinton County Michigan | 473 | $ 54,974,000 | $ 116,000 | $ 71,000 |
| Midland County Michigan | 456 | $ 46,354,000 | $ 101,000 | $ 56,000 |
| Osceola County Michigan | 443 | $ 27,054,000 | $ 61,000 | $ 45,000 |
| Washtenaw County Michigan | 437 | $ 57,983,000 | $ 132,000 | $ 74,000 |
| Macomb County Michigan | 387 | $ 55,631,000 | $ 143,000 | $ 71,000 |
| Ingham County Michigan | 379 | $ 39,818,000 | $ 105,000 | $ 89,000 |
| Marion County Indiana | 304 | $ 34,383,000 | $ 113,000 | $ 61,000 |
| St. Joseph County Michigan | 303 | $ 14,552,000 | $ 48,000 | $ 61,000 |
| Shiawassee County Michigan | 290 | $ 26,654,000 | $ 91,000 | $ 50,000 |
| Livingston County Michigan | 224 | $ 35,993,000 | $ 160,000 | $ 86,000 |
| Crawford County Michigan | 212 | $ 19,006,000 | $ 89,000 | $ 62,000 |
| Charlevoix County Michigan | 178 | $ 23,051,000 | $ 129,000 | $ 138,000 |
| Hamilton County Indiana | 165 | $ 25,209,000 | $ 152,000 | $ 94,000 |
| Missaukee County Michigan | 165 | $ 10,805,000 | $ 65,000 | $ 49,000 |
| Alpena County Michigan | 153 | $ 11,470,000 | $ 74,000 | $ 55,000 |
| Grand Traverse County Michigan | 153 | $ 16,691,000 | $ 109,000 | $ 107,000 |
| Otsego County Michigan | 153 | $ 18,332,000 | $ 119,000 | $ 72,000 |
| Arenac County Michigan | 144 | $ 8,314,000 | $ 57,000 | $ 41,000 |
| Lenawee County Michigan | 126 | $ 14,850,000 | $ 117,000 | $ 74,000 |
| Tuscola County Michigan | 125 | $ 7,865,000 | $ 62,000 | $ 57,000 |
| Antrim County Michigan | 116 | $ 11,153,000 | $ 96,000 | $ 77,000 |
| Roscommon County Michigan | 106 | $ 10,962,000 | $ 103,000 | $ 61,000 |
| Lapeer County Michigan | 104 | $ 11,775,000 | $ 113,000 | $ 68,000 |
| Eaton County Michigan | 100 | $ 12,342,000 | $ 123,000 | $ 70,000 |
| Ogemaw County Michigan | 97 | $ 4,303,000 | $ 44,000 | $ 77,000 |
| Kent County Michigan | 83 | $ 14,794,000 | $ 178,000 | $ 72,000 |
| Calhoun County Michigan | 81 | $ 4,289,000 | $ 52,000 | $ 55,000 |
| Gladwin County Michigan | 81 | $ 7,657,000 | $ 94,000 | $ 59,000 |
| Clare County Michigan | 80 | $ 6,087,000 | $ 76,000 | $ 60,000 |
| Oscoda County Michigan | 69 | $ 4,092,000 | $ 59,000 | $ 46,000 |
| Presque Isle County Michigan | 59 | $ 5,314,000 | $ 90,000 | $ 60,000 |
| Hendricks County Indiana | 57 | $ 7,887,000 | $ 138,000 | $ 66,000 |
| Johnson County Indiana | 57 | $ 7,769,000 | $ 136,000 | $ 73,000 |
| Mecosta County Michigan | 55 | $ 3,453,000 | $ 62,000 | $ 69,000 |
| St. Clair County Michigan | 51 | $ 8,276,000 | $ 162,000 | $ 108,000 |
| Emmet County Michigan | 50 | $ 10,151,000 | $ 203,000 | $ 125,000 |
| Iosco County Michigan | 46 | $ 3,601,000 | $ 78,000 | $ 58,000 |
| Manistee County Michigan | 46 | $ 3,892,000 | $ 84,000 | $ 72,000 |
| Alcona County Michigan | 45 | $ 4,803,000 | $ 106,000 | $ 102,000 |
| Kalkaska County Michigan | 43 | $ 4,164,000 | $ 96,000 | $ 54,000 |
| Leelanau County Michigan | 42 | $ 7,131,000 | $ 169,000 | $ 103,000 |
| Hancock County Indiana | 40 | $ 4,974,000 | $ 124,000 | $ 56,000 |
| Lucas County Ohio | 40 | $ 6,186,000 | $ 154,000 | $ 98,000 |
| Cheboygan County Michigan | 39 | $ 7,151,000 | $ 183,000 | $ 139,000 |
| Scott County Indiana | 38 | $ 3,667,000 | $ 96,000 | $ 66,000 |
| Isabella County Michigan | 37 | $ 2,878,000 | $ 77,000 | $ 49,000 |
| Gratiot County Michigan | 32 | $ 1,987,000 | $ 62,000 | $ 482,000 |
| Morgan County Indiana | 30 | $ 3,675,000 | $ 122,000 | $ 61,000 |
| Ionia County Michigan | 30 | $ 3,616,000 | $ 120,000 | $ 57,000 |
| Montmorency County Michigan | 30 | $ 3,603,000 | $ 120,000 | $ 71,000 |
| Howard County Indiana | 29 | $ 3,288,000 | $ 113,000 | $ 70,000 |
| Madison County Indiana | 29 | $ 2,694,000 | $ 92,000 | $ 54,000 |
| Kalamazoo County Michigan | 28 | $ 3,218,000 | $ 114,000 | $ 78,000 |
| Lake County Michigan | 28 | $ 2,101,000 | $ 75,000 | $ 56,000 |
| Ottawa County Michigan | 28 | $ 4,592,000 | $ 164,000 | $ 86,000 |
| White County Indiana | 27 | $ 2,810,000 | $ 104,000 | $ 54,000 |
| Branch County Michigan | 27 | $ 1,331,000 | $ 49,000 | $ 52,000 |
| Hillsdale County Michigan | 27 | $ 2,292,000 | $ 84,000 | $ 55,000 |
| Monroe County Michigan | 26 | $ 3,797,000 | $ 146,000 | $ 57,000 |
| Benzie County Michigan | 24 | $ 3,578,000 | $ 149,000 | $ 62,000 |
| Huron County Michigan | 22 | $ 1,920,000 | $ 87,000 | $ 109,000 |
| Hamilton County Ohio | 22 | $ 2,949,000 | $ 134,000 | $ 62,000 |
| Montcalm County Michigan | 19 | $ 1,712,000 | $ 90,000 | $ 56,000 |
| Boone County Indiana | 18 | $ 3,423,000 | $ 190,000 | $ 126,000 |
| Delaware County Indiana | 18 | $ 2,093,000 | $ 116,000 | $ 88,000 |
| Shelby County Indiana | 18 | $ 2,035,000 | $ 113,000 | $ 61,000 |
| Allegan County Michigan | 18 | $ 2,488,000 | $ 138,000 | $ 127,000 |
| Barry County Michigan | 17 | $ 2,376,000 | $ 139,000 | $ 81,000 |
| Mackinac County Michigan | 17 | $ 2,906,000 | $ 170,000 | $ 261,000 |
| Sanilac County Michigan | 17 | $ 1,692,000 | $ 99,000 | $ 86,000 |
| Lake County Indiana | 15 | $ 1,894,000 | $ 126,000 | $ 116,000 |
| Vanderburgh County Indiana | 15 | $ 1,092,000 | $ 72,000 | $ 50,000 |
| Fayette County Kentucky | 13 | $ 1,615,000 | $ 124,000 | $ 46,000 |
| Butler County Ohio | 13 | $ 1,775,000 | $ 136,000 | $ 72,000 |
| Franklin County Ohio | 13 | $ 1,685,000 | $ 129,000 | $ 58,000 |
| Allen County Indiana | 11 | $ 916,000 | $ 83,000 | $ 51,000 |
| Brown County Indiana | 10 | $ 1,351,000 | $ 135,000 | $ 66,000 |
| Mason County Michigan | 10 | $ 974,000 | $ 97,000 | $ 79,000 |
| Cass County Indiana | 9 | $ 925,000 | $ 102,000 | $ 68,000 |
| Grant County Indiana | 9 | $ 779,000 | $ 86,000 | $ 50,000 |
| Cass County Michigan | 9 | $ 485,000 | $ 53,000 | $ 60,000 |
| Wood County Ohio | 9 | $ 1,395,000 | $ 155,000 | $ 69,000 |
| Rush County Indiana | 8 | $ 666,000 | $ 83,000 | $ 48,000 |
| Kenton County Kentucky | 8 | $ 774,000 | $ 96,000 | $ 93,000 |
| Newaygo County Michigan | 8 | $ 955,000 | $ 119,000 | $ 126,000 |
| Carroll County Indiana | 7 | $ 519,000 | $ 74,000 | $ 34,000 |
| Henry County Indiana | 7 | $ 717,000 | $ 102,000 | $ 51,000 |
| LaPorte County Indiana | 7 | $ 710,000 | $ 101,000 | $ 59,000 |
| Monroe County Indiana | 7 | $ 600,000 | $ 85,000 | $ 54,000 |
| Tippecanoe County Indiana | 7 | $ 940,000 | $ 134,000 | $ 61,000 |
| Tipton County Indiana | 7 | $ 750,000 | $ 107,000 | $ 65,000 |
| Washington County Indiana | 7 | $ 533,000 | $ 76,000 | $ 65,000 |
| Boone County Kentucky | 7 | $ 876,000 | $ 125,000 | $ 56,000 |
| Chippewa County Michigan | 7 | $ 577,000 | $ 82,000 | $ 60,000 |
| Van Buren County Michigan | 7 | $ 792,000 | $ 113,000 | $ 48,000 |
| Clermont County Ohio | 7 | $ 1,168,000 | $ 166,000 | $ 72,000 |
| Kosciusko County Indiana | 6 | $ 804,000 | $ 134,000 | $ 49,000 |
| LaGrange County Indiana | 6 | $ 120,000 | $ 20,000 | $ 31,000 |
| Warrick County Indiana | 6 | $ 787,000 | $ 131,000 | $ 67,000 |
| Collier County Florida | 5 | $ 548,000 | $ 109,000 | $ 90,000 |
| Bartholomew County Indiana | 5 | $ 409,000 | $ 81,000 | $ 40,000 |
| Clinton County Indiana | 5 | $ 478,000 | $ 95,000 | $ 64,000 |
| Huntington County Indiana | 5 | $ 287,000 | $ 57,000 | $ 32,000 |
| Noble County Indiana | 5 | $ 480,000 | $ 96,000 | $ 32,000 |
| Porter County Indiana | 5 | $ 583,000 | $ 116,000 | $ 59,000 |
| Spencer County Indiana | 5 | $ 414,000 | $ 82,000 | $ 50,000 |
| Vigo County Indiana | 5 | $ 1,125,000 | $ 225,000 | $ 134,000 |
| Muskegon County Michigan | 5 | $ 736,000 | $ 147,000 | $ 92,000 |
| Maricopa County Arizona | 4 | $ 537,000 | $ 134,000 | $ 97,000 |
| Dearborn County Indiana | 4 | $ 772,000 | $ 193,000 | $ 69,000 |
| Miami County Indiana | 4 | $ 318,000 | $ 79,000 | $ 48,000 |
| Montgomery County Indiana | 4 | $ 468,000 | $ 117,000 | $ 96,000 |
| Boyle County Kentucky | 4 | $ 342,000 | $ 85,000 | $ 55,000 |
| Jessamine County Kentucky | 4 | $ 540,000 | $ 135,000 | $ 57,000 |
| Oceana County Michigan | 4 | $ 874,000 | $ 218,000 | $ 129,000 |
| Delaware County Ohio | 4 | $ 765,000 | $ 191,000 | $ 133,000 |
| Fulton County Ohio | 4 | $ 581,000 | $ 145,000 | $ 64,000 |
| Warren County Ohio | 4 | $ 523,000 | $ 130,000 | $ 52,000 |
| Sarasota County Florida | 3 | $ 479,000 | $ 159,000 | $ 392,000 |
| Dubois County Indiana | 3 | $ 277,000 | $ 92,000 | $ 48,000 |
| Elkhart County Indiana | 3 | $ 295,000 | $ 98,000 | $ 45,000 |
| Franklin County Indiana | 3 | $ 278,000 | $ 92,000 | $ 41,000 |
| Jennings County Indiana | 3 | $ 252,000 | $ 84,000 | $ 43,000 |
| Posey County Indiana | 3 | $ 306,000 | $ 102,000 | $ 56,000 |
| St. Joseph County Indiana | 3 | $ 364,000 | $ 121,000 | $ 42,000 |
| Steuben County Indiana | 3 | $ 453,000 | $ 151,000 | $ 84,000 |
| Campbell County Kentucky | 3 | $ 584,000 | $ 194,000 | $ 78,000 |
| Daviess County Kentucky | 3 | $ 336,000 | $ 112,000 | $ 85,000 |
| Garrard County Kentucky | 3 | $ 310,000 | $ 103,000 | $ 48,000 |
| Madison County Kentucky | 3 | $ 343,000 | $ 114,000 | $ 58,000 |
| Mercer County Kentucky | 3 | $ 168,000 | $ 56,000 | $ 45,000 |
| Montgomery County Kentucky | 3 | $ 283,000 | $ 94,000 | $ 43,000 |
| Licking County Ohio | 3 | $ 450,000 | $ 150,000 | $ 65,000 |
| District of Columbia County District Of Columbia | 2 | $ 317,000 | $ 158,000 | $ 120,000 |
| Volusia County Florida | 2 | $ 160,000 | $ 80,000 | $ 58,000 |
| Cook County Illinois | 2 | $ 419,000 | $ 209,000 | $ 111,000 |
| DuPage County Illinois | 2 | $ 601,000 | $ 300,000 | $ 246,000 |
| Clark County Indiana | 2 | $ 171,000 | $ 85,000 | $ 30,000 |
| DeKalb County Indiana | 2 | $ 118,000 | $ 59,000 | $ 72,000 |
| Gibson County Indiana | 2 | $ 114,000 | $ 57,000 | $ 54,000 |
| Harrison County Indiana | 2 | $ 281,000 | $ 140,000 | $ 89,000 |
| Jackson County Indiana | 2 | $ 217,000 | $ 108,000 | $ 49,000 |
| Jasper County Indiana | 2 | $ 169,000 | $ 84,000 | $ 55,000 |
| Knox County Indiana | 2 | $ 148,000 | $ 74,000 | $ 47,000 |
| Newton County Indiana | 2 | $ 242,000 | $ 121,000 | $ 42,000 |
| Pulaski County Indiana | 2 | $ 163,000 | $ 81,000 | $ 62,000 |
| Putnam County Indiana | 2 | $ 266,000 | $ 133,000 | $ 60,000 |
| Randolph County Indiana | 2 | $ 184,000 | $ 92,000 | $ 35,000 |
| Whitley County Indiana | 2 | $ 235,000 | $ 117,000 | $ 52,000 |
| Harrison County Kentucky | 2 | $ 102,000 | $ 51,000 | $ 39,000 |
| Jefferson County Kentucky | 2 | $ 194,000 | $ 97,000 | $ 65,000 |
| Berrien County Michigan | 2 | $ 220,000 | $ 110,000 | $ 120,000 |
| Fairfield County Ohio | 2 | $ 434,000 | $ 217,000 | $ 136,000 |
| Marion County Ohio | 2 | $ 240,000 | $ 120,000 | $ 63,000 |
| Montgomery County Ohio | 2 | $ 242,000 | $ 121,000 | $ 104,000 |
| Pima County Arizona | 1 | $ 138,000 | $ 138,000 | $ 207,000 |
| Sacramento County California | 1 | $ 88,000 | $ 88,000 | $ 39,000 |
| Eagle County Colorado | 1 | $ 149,000 | $ 149,000 | $ 81,000 |
| Summit County Colorado | 1 | $ 249,000 | $ 249,000 | $ 272,000 |
| Broward County Florida | 1 | $ 160,000 | $ 160,000 | $ 217,000 |
| Charlotte County Florida | 1 | $ 61,000 | $ 61,000 | $ 63,000 |
| Citrus County Florida | 1 | $ 94,000 | $ 94,000 | $ 130,000 |
| Lee County Florida | 1 | $ 264,000 | $ 264,000 | $ 189,000 |
| Manatee County Florida | 1 | $ 1,425,000 | $ 1,425,000 | $ 1,191,000 |
| Miami-Dade County Florida | 1 | $ 60,000 | $ 60,000 | $ 69,000 |
| Palm Beach County Florida | 1 | $ 250,000 | $ 250,000 | $ 334,000 |
| Pasco County Florida | 1 | $ 44,000 | $ 44,000 | $ 102,000 |
| St. Lucie County Florida | 1 | $ 42,000 | $ 42,000 | $ 88,000 |
| Lake County Illinois | 1 | $ 77,000 | $ 77,000 | $ 113,000 |
| Adams County Indiana | 1 | $ 71,000 | $ 71,000 | $ 26,000 |
| Daviess County Indiana | 1 | $ 90,000 | $ 90,000 | $ 41,000 |
| Fayette County Indiana | 1 | $ 35,000 | $ 35,000 | $ 27,000 |
| Floyd County Indiana | 1 | $ 81,000 | $ 81,000 | $ 40,000 |
| Fountain County Indiana | 1 | $ 87,000 | $ 87,000 | $ 60,000 |
| Jay County Indiana | 1 | $ 94,000 | $ 94,000 | $ 56,000 |
| Jefferson County Indiana | 1 | $ 84,000 | $ 84,000 | $ 39,000 |
| Marshall County Indiana | 1 | $ 169,000 | $ 169,000 | $ 66,000 |
| Orange County Indiana | 1 | $ 78,000 | $ 78,000 | $ 44,000 |
| Parke County Indiana | 1 | $ 100,000 | $ 100,000 | $ 46,000 |
| Perry County Indiana | 1 | $ 77,000 | $ 77,000 | $ 46,000 |
| Pike County Indiana | 1 | $ 120,000 | $ 120,000 | $ 55,000 |
| Ripley County Indiana | 1 | $ 106,000 | $ 106,000 | $ 26,000 |
| Switzerland County Indiana | 1 | $ 83,000 | $ 83,000 | $ 56,000 |
| Warren County Indiana | 1 | $ 112,000 | $ 112,000 | $ 45,000 |
| Wayne County Indiana | 1 | $ 88,000 | $ 88,000 | $ 33,000 |
| Wells County Indiana | 1 | $ 136,000 | $ 136,000 | $ 48,000 |
| Marshall County Iowa | 1 | $ 13,000 | $ 13,000 | $ 30,000 |
| Floyd County Kentucky | 1 | $ 83,000 | $ 83,000 | $ 56,000 |
| Franklin County Kentucky | 1 | $ 128,000 | $ 128,000 | $ 65,000 |
| Henderson County Kentucky | 1 | $ 86,000 | $ 86,000 | $ 47,000 |
| Letcher County Kentucky | 1 | $ 98,000 | $ 98,000 | $ 49,000 |
| McLean County Kentucky | 1 | $ 139,000 | $ 139,000 | $ 82,000 |
| Nelson County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 28,000 |
| Nicholas County Kentucky | 1 | $ 131,000 | $ 131,000 | $ 43,000 |
| Rowan County Kentucky | 1 | $ 78,000 | $ 78,000 | $ 41,000 |
| Shelby County Kentucky | 1 | $ 345,000 | $ 345,000 | $ 199,000 |
| Spencer County Kentucky | 1 | $ 208,000 | $ 208,000 | $ 87,000 |
| Baltimore County Maryland | 1 | $ 182,000 | $ 182,000 | $ 82,000 |
| Montgomery County Maryland | 1 | $ 78,000 | $ 78,000 | $ 59,000 |
| Alger County Michigan | 1 | $ 63,000 | $ 63,000 | $ 49,000 |
| Delta County Michigan | 1 | $ 114,000 | $ 114,000 | $ 73,000 |
| Gogebic County Michigan | 1 | $ 624,000 | $ 624,000 | $ 163,000 |
| Houghton County Michigan | 1 | $ 8,000 | $ 8,000 | $ 20,000 |
| Luce County Michigan | 1 | $ 62,000 | $ 62,000 | $ 99,000 |
| Menominee County Michigan | 1 | $ 10,000 | $ 10,000 | $ 26,000 |
| Crow Wing County Minnesota | 1 | $ 540,000 | $ 540,000 | $ 268,000 |
| Greene County Missouri | 1 | $ 7,000 | $ 7,000 | $ 21,000 |
| New York County New York | 1 | $ 817,000 | $ 817,000 | $ 286,000 |
| Cumberland County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 49,000 |
| Randolph County North Carolina | 1 | $ 84,000 | $ 84,000 | $ 23,000 |
| Ashtabula County Ohio | 1 | $ 91,000 | $ 91,000 | $ 28,000 |
| Brown County Ohio | 1 | $ 27,000 | $ 27,000 | $ 34,000 |
| Clark County Ohio | 1 | $ 164,000 | $ 164,000 | $ 50,000 |
| Clinton County Ohio | 1 | $ 151,000 | $ 151,000 | $ 78,000 |
| Coshocton County Ohio | 1 | $ 97,000 | $ 97,000 | $ 26,000 |
| Erie County Ohio | 1 | $ 190,000 | $ 190,000 | $ 85,000 |
| Hancock County Ohio | 1 | $ 139,000 | $ 139,000 | $ 27,000 |
| Highland County Ohio | 1 | $ 178,000 | $ 178,000 | $ 46,000 |
| Morrow County Ohio | 1 | $ 131,000 | $ 131,000 | $ 47,000 |
| Muskingum County Ohio | 1 | $ 62,000 | $ 62,000 | $ 19,000 |
| Perry County Ohio | 1 | $ 108,000 | $ 108,000 | $ 46,000 |
| Pickaway County Ohio | 1 | $ 152,000 | $ 152,000 | $ 59,000 |
| Preble County Ohio | 1 | $ 69,000 | $ 69,000 | $ 17,000 |
| Richland County Ohio | 1 | $ 63,000 | $ 63,000 | $ 17,000 |
| Stark County Ohio | 1 | $ 137,000 | $ 137,000 | $ 63,000 |
| Beaufort County South Carolina | 1 | $ 153,000 | $ 153,000 | $ 71,000 |
| Davidson County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 71,000 |
| Union County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 91,000 |
| Summit County Utah | 1 | $ 748,000 | $ 748,000 | $ 76,000 |
| Prince William County Virginia | 1 | $ 12,000 | $ 12,000 | $ 165,000 |
| Oconto County Wisconsin | 1 | $ 84,000 | $ 84,000 | $ 40,000 |
| Outagamie County Wisconsin | 1 | $ 26,000 | $ 26,000 | $ 186,000 |
| Rock County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 149,000 |
| Washington County Wisconsin | 1 | $ 254,000 | $ 254,000 | $ 92,000 |
| Teton County Wyoming | 1 | $ 323,000 | $ 323,000 | $ 132,000 |
Mortgage Loan Application Detail Totals for Citizens Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 9,315 | $1,150,897,000 | $183,562 | $1,000,000 | $101,375 | $2,178,000 |
| Home Improvement (one-to-four family) | 3,222 | $67,102,000 | $30,400 | $300,000 | $75,400 | $1,968,000 |
| Home Purchase (one-to-four family) | 2,918 | $360,518,000 | $214,307 | $1,900,000 | $139,769 | $6,624,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 4 | $1,333,000 | $333,000 | $671,000 | $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 | 13,979 | $1,454,128,000 | $187,850 | $1,900,000 | $120,050 | $2,339,000 |
| Black | 839 | $49,453,000 | $87,600 | $767,000 | $48,200 | $458,000 |
| Information not provided by applicant in mail or telephone application | 258 | $33,129,000 | $123,333 | $1,100,000 | $78,000 | $661,000 |
| Hispanic | 138 | $9,088,000 | $76,600 | $360,000 | $58,200 | $2,178,000 |
| Asian or Pacific Islander | 108 | $16,866,000 | $132,666 | $1,050,000 | $68,666 | $972,000 |
| Other | 82 | $12,392,000 | $153,500 | $650,000 | $109,500 | $943,000 |
| American Indian or Alaskan Native | 34 | $2,480,000 | $102,666 | $298,000 | $73,333 | $134,000 |
| Not applicable | 21 | $2,314,000 | $413,000 | $748,000 | $583,500 | $6,624,000 |
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) | 15,362 | $1,571,506,000 | $202,818 | $1,900,000 | $112,590 | $6,624,000 |
| FHA-insured (Federal Housing Administration) | 69 | $4,996,000 | $72,000 | $141,000 | $31,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,097,000 | $131,000 | $169,000 | $53,000 | $72,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,251,000 | $104,000 | $175,000 | $40,000 | $55,000 |
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 | 11,282 | $1,193,125,000 | $197,823 | $1,900,000 | $115,000 | $6,624,000 |
| Application Denied By Financial Institution | 1,874 | $102,886,000 | $78,428 | $767,000 | $78,571 | $582,000 |
| Application Approved But Not Accepted | 1,728 | $205,340,000 | $184,000 | $817,000 | $107,272 | $2,178,000 |
| Application Withdrawn By Applicant | 524 | $74,076,000 | $151,333 | $1,100,000 | $64,000 | $558,000 |
| File Closed For Incompleteness | 51 | $4,423,000 | $86,000 | $620,000 | $69,000 | $396,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 1,352 | $56,493,000 | $71,600 | $620,000 | $56,800 | $582,000 |
| Debt-To-Income Ratio | 293 | $25,135,000 | $91,333 | $767,000 | $65,000 | $171,000 |
| Other | 135 | $11,183,000 | $87,000 | $323,000 | $89,428 | $298,000 |
| Collateral | 65 | $6,458,000 | $122,500 | $610,000 | $92,500 | $498,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $1,338,000 | $95,000 | $323,000 | $43,000 | $121,000 |
| Unverifiable Information | 7 | $1,396,000 | $162,000 | $550,000 | $22,500 | $94,000 |
| Credit Application Incomplete | 4 | $463,000 | $115,000 | $203,000 | $81,000 | $135,000 |
| Employment History | 4 | $420,000 | $105,000 | $165,000 | $22,000 | $36,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank's 2003 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'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.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.