Citizens Bank Mortgage Lending & HMDA Data, 2004
In 2004, Citizens Bank of Flint, MI reported 8,739 mortgage applications totaling $721.5 million, down 43% from 2003. The average application was for $82,565, and applicants reported an average income of $77,788. 65% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Flint, MI (1,860), Saginaw-Saginaw Township North, MI (872) and Warren-Farmington Hills-Troy, MI (610) (applications in parentheses).
| 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 | 8,739 |
| Total Mortgage Loan Application Amount | $721,536,000 |
| Average Mortgage Loan Application Amount | $82,565 |
| Highest Mortgage Loan Application Amount | $7,830,000 |
| Average Applicant Income | $77,788 |
| Highest Applicant Income | $9,702,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Genesee, Michigan | 1,860 | $ 116,568,000 | $ 62,670 | $ 88,000 |
| Saginaw, Michigan | 872 | $ 62,861,000 | $ 72,088 | $ 81,000 |
| Wexford, Michigan | 455 | $ 29,514,000 | $ 64,865 | $ 60,000 |
| Bay, Michigan | 432 | $ 29,674,000 | $ 68,689 | $ 216,000 |
| Oakland, Michigan | 399 | $ 52,400,000 | $ 131,328 | $ 180,000 |
| Osceola, Michigan | 360 | $ 20,159,000 | $ 55,997 | $ 40,000 |
| Jackson, Michigan | 343 | $ 23,971,000 | $ 69,886 | $ 59,000 |
| Clinton, Michigan | 262 | $ 23,884,000 | $ 91,160 | $ 65,000 |
| Midland, Michigan | 239 | $ 24,169,000 | $ 101,125 | $ 71,000 |
| Ingham, Michigan | 219 | $ 21,217,000 | $ 96,881 | $ 68,000 |
| Washtenaw, Michigan | 214 | $ 22,719,000 | $ 106,163 | $ 73,000 |
| St. Joseph, Michigan | 213 | $ 9,121,000 | $ 42,821 | $ 41,000 |
| Shiawassee, Michigan | 184 | $ 23,055,000 | $ 125,298 | $ 52,000 |
| Missaukee, Michigan | 164 | $ 9,944,000 | $ 60,634 | $ 47,000 |
| Wayne, Michigan | 158 | $ 19,230,000 | $ 121,708 | $ 71,000 |
| Crawford, Michigan | 142 | $ 10,421,000 | $ 73,387 | $ 43,000 |
| Alpena, Michigan | 134 | $ 9,673,000 | $ 72,186 | $ 47,000 |
| Arenac, Michigan | 132 | $ 6,513,000 | $ 49,340 | $ 49,000 |
| Charlevoix, Michigan | 104 | $ 8,416,000 | $ 80,923 | $ 71,000 |
| Tuscola, Michigan | 94 | $ 5,987,000 | $ 63,691 | $ 56,000 |
| Grand Traverse, Michigan | 84 | $ 8,149,000 | $ 97,011 | $ 78,000 |
| Otsego, Michigan | 83 | $ 8,623,000 | $ 103,891 | $ 79,000 |
| Oscoda, Michigan | 82 | $ 5,408,000 | $ 65,951 | $ 47,000 |
| Ogemaw, Michigan | 79 | $ 4,191,000 | $ 53,050 | $ 48,000 |
| Antrim, Michigan | 78 | $ 8,792,000 | $ 112,717 | $ 162,000 |
| Livingston, Michigan | 77 | $ 13,928,000 | $ 180,883 | $ 88,000 |
| Macomb, Michigan | 75 | $ 8,676,000 | $ 115,680 | $ 66,000 |
| Clare, Michigan | 60 | $ 4,420,000 | $ 73,666 | $ 73,000 |
| Eaton, Michigan | 60 | $ 6,965,000 | $ 116,083 | $ 67,000 |
| Roscommon, Michigan | 55 | $ 8,087,000 | $ 147,036 | $ 86,000 |
| Lapeer, Michigan | 51 | $ 5,576,000 | $ 109,333 | $ 59,000 |
| Calhoun, Michigan | 49 | $ 2,142,000 | $ 43,714 | $ 43,000 |
| Marion, Indiana | 48 | $ 5,356,000 | $ 111,583 | $ 55,000 |
| Alcona, Michigan | 44 | $ 2,907,000 | $ 66,068 | $ 63,000 |
| Gladwin, Michigan | 42 | $ 3,223,000 | $ 76,738 | $ 51,000 |
| Mecosta, Michigan | 36 | $ 2,084,000 | $ 57,888 | $ 51,000 |
| Iosco, Michigan | 33 | $ 2,988,000 | $ 90,545 | $ 70,000 |
| Presque Isle, Michigan | 33 | $ 3,346,000 | $ 101,393 | $ 65,000 |
| Kalkaska, Michigan | 32 | $ 2,584,000 | $ 80,750 | $ 80,000 |
| Lake, Michigan | 30 | $ 1,456,000 | $ 48,533 | $ 52,000 |
| Manistee, Michigan | 29 | $ 2,311,000 | $ 79,689 | $ 52,000 |
| Lenawee, Michigan | 27 | $ 2,700,000 | $ 100,000 | $ 67,000 |
| Hamilton, Indiana | 26 | $ 3,955,000 | $ 152,115 | $ 69,000 |
| Emmet, Michigan | 22 | $ 11,209,000 | $ 509,500 | $ 181,000 |
| Gratiot, Michigan | 21 | $ 1,437,000 | $ 68,428 | $ 50,000 |
| Hillsdale, Michigan | 20 | $ 2,091,000 | $ 104,550 | $ 56,000 |
| Leelanau, Michigan | 18 | $ 4,242,000 | $ 235,666 | $ 190,000 |
| Branch, Michigan | 17 | $ 859,000 | $ 50,529 | $ 35,000 |
| Cheboygan, Michigan | 17 | $ 4,948,000 | $ 291,058 | $ 154,000 |
| Montmorency, Michigan | 14 | $ 811,000 | $ 57,928 | $ 39,000 |
| Benzie, Michigan | 12 | $ 1,441,000 | $ 120,083 | $ 117,000 |
| Montcalm, Michigan | 12 | $ 897,000 | $ 74,750 | $ 60,000 |
| Kent, Michigan | 11 | $ 1,345,000 | $ 122,272 | $ 83,000 |
| Ionia, Michigan | 10 | $ 951,000 | $ 95,100 | $ 71,000 |
| Hamilton, Ohio | 9 | $ 879,000 | $ 97,666 | $ 58,000 |
| Cook, Illinois | 8 | $ 1,117,000 | $ 139,625 | $ 60,000 |
| Johnson, Indiana | 8 | $ 1,134,000 | $ 141,750 | $ 77,000 |
| Barry, Michigan | 8 | $ 848,000 | $ 106,000 | $ 54,000 |
| Berrien, Michigan | 8 | $ 1,677,000 | $ 209,625 | $ 133,000 |
| Huron, Michigan | 8 | $ 1,135,000 | $ 141,875 | $ 124,000 |
| Isabella, Michigan | 8 | $ 541,000 | $ 67,625 | $ 46,000 |
| Monroe, Michigan | 8 | $ 702,000 | $ 87,750 | $ 44,000 |
| St. Clair, Michigan | 8 | $ 823,000 | $ 102,875 | $ 66,000 |
| Hancock, Indiana | 6 | $ 892,000 | $ 148,666 | $ 68,000 |
| Shelby, Indiana | 6 | $ 1,019,000 | $ 169,833 | $ 59,000 |
| Sarasota, Florida | 5 | $ 952,000 | $ 190,400 | $ 178,000 |
| Hendricks, Indiana | 5 | $ 563,000 | $ 112,600 | $ 52,000 |
| Kalamazoo, Michigan | 5 | $ 259,000 | $ 51,800 | $ 38,000 |
| Sanilac, Michigan | 5 | $ 245,000 | $ 49,000 | $ 55,000 |
| Maricopa, Arizona | 4 | $ 249,000 | $ 62,250 | $ 127,000 |
| Howard, Indiana | 4 | $ 428,000 | $ 107,000 | $ 63,000 |
| Kenton, Kentucky | 4 | $ 402,000 | $ 100,500 | $ 61,000 |
| Mason, Michigan | 4 | $ 530,000 | $ 132,500 | $ 63,000 |
| Muskegon, Michigan | 4 | $ 244,000 | $ 61,000 | $ 79,000 |
| Newaygo, Michigan | 4 | $ 439,000 | $ 109,750 | $ 59,000 |
| Lucas, Ohio | 4 | $ 248,000 | $ 62,000 | $ 64,000 |
| Collier, Florida | 3 | $ 716,000 | $ 238,666 | $ 329,000 |
| Lee, Florida | 3 | $ 1,444,000 | $ 481,333 | $ 339,000 |
| LaGrange, Indiana | 3 | $ 128,000 | $ 42,666 | $ 45,000 |
| Spencer, Indiana | 3 | $ 245,000 | $ 81,666 | $ 47,000 |
| Washington, Indiana | 3 | $ 194,000 | $ 64,666 | $ 36,000 |
| Alger, Michigan | 3 | $ 559,000 | $ 186,333 | $ 89,000 |
| Cass, Michigan | 3 | $ 37,000 | $ 12,333 | $ 44,000 |
| Delta, Michigan | 3 | $ 64,000 | $ 21,333 | $ 51,000 |
| Ottawa, Michigan | 3 | $ 739,000 | $ 246,333 | $ 51,000 |
| DeSoto, Florida | 2 | $ 29,000 | $ 14,500 | $ 44,000 |
| Palm Beach, Florida | 2 | $ 451,000 | $ 225,500 | $ 262,000 |
| Allen, Indiana | 2 | $ 112,000 | $ 56,000 | $ 136,000 |
| Bartholomew, Indiana | 2 | $ 137,000 | $ 68,500 | $ 43,000 |
| Dearborn, Indiana | 2 | $ 290,000 | $ 145,000 | $ 65,000 |
| Dubois, Indiana | 2 | $ 148,000 | $ 74,000 | $ 56,000 |
| Elkhart, Indiana | 2 | $ 325,000 | $ 162,500 | $ 125,000 |
| Grant, Indiana | 2 | $ 230,000 | $ 115,000 | $ 49,000 |
| Lake, Indiana | 2 | $ 352,000 | $ 176,000 | $ 83,000 |
| Madison, Indiana | 2 | $ 202,000 | $ 101,000 | $ 63,000 |
| Morgan, Indiana | 2 | $ 280,000 | $ 140,000 | $ 64,000 |
| Orange, Indiana | 2 | $ 254,000 | $ 127,000 | $ 53,000 |
| Scott, Indiana | 2 | $ 300,000 | $ 150,000 | $ 153,000 |
| St. Joseph, Indiana | 2 | $ 107,000 | $ 53,500 | $ 62,000 |
| Tippecanoe, Indiana | 2 | $ 202,000 | $ 101,000 | $ 48,000 |
| Warrick, Indiana | 2 | $ 192,000 | $ 96,000 | $ 36,000 |
| Wells, Indiana | 2 | $ 220,000 | $ 110,000 | $ 59,000 |
| Boone, Kentucky | 2 | $ 300,000 | $ 150,000 | $ 114,000 |
| Fayette, Kentucky | 2 | $ 273,000 | $ 136,500 | $ 63,000 |
| Houghton, Michigan | 2 | $ 43,000 | $ 21,500 | $ 47,000 |
| Luce, Michigan | 2 | $ 67,000 | $ 33,500 | $ 27,000 |
| Mackinac, Michigan | 2 | $ 145,000 | $ 72,500 | $ 83,000 |
| Van Buren, Michigan | 2 | $ 101,000 | $ 50,500 | $ 107,000 |
| Laclede, Missouri | 2 | $ 119,000 | $ 59,500 | $ 46,000 |
| Cascade, Montana | 2 | $ 149,000 | $ 74,500 | $ 136,000 |
| Wayne, North Carolina | 2 | $ 99,000 | $ 49,500 | $ 22,000 |
| Butler, Ohio | 2 | $ 292,000 | $ 146,000 | $ 73,000 |
| Clermont, Ohio | 2 | $ 231,000 | $ 115,500 | $ 39,000 |
| Delaware, Ohio | 2 | $ 291,000 | $ 145,500 | $ 88,000 |
| Warren, Ohio | 2 | $ 286,000 | $ 143,000 | $ 46,000 |
| Yavapai, Arizona | 1 | $ 280,000 | $ 280,000 | $ 77,000 |
| Brevard, Florida | 1 | $ 175,000 | $ 175,000 | $ 190,000 |
| Charlotte, Florida | 1 | $ 250,000 | $ 250,000 | $ 38,000 |
| Flagler, Florida | 1 | $ 10,000 | $ 10,000 | $ 38,000 |
| Hernando, Florida | 1 | $ 124,000 | $ 124,000 | $ 32,000 |
| Hillsborough, Florida | 1 | $ 196,000 | $ 196,000 | $ 93,000 |
| Manatee, Florida | 1 | $ 257,000 | $ 257,000 | $ 86,000 |
| Miami-Dade, Florida | 1 | $ 80,000 | $ 80,000 | $ 193,000 |
| Monroe, Florida | 1 | $ 374,000 | $ 374,000 | $ 244,000 |
| Okaloosa, Florida | 1 | $ 129,000 | $ 129,000 | $ 126,000 |
| Pinellas, Florida | 1 | $ 900,000 | $ 900,000 | $ 510,000 |
| Walton, Florida | 1 | $ 288,000 | $ 288,000 | $ 157,000 |
| Lake, Illinois | 1 | $ 204,000 | $ 204,000 | $ 99,000 |
| Will, Illinois | 1 | $ 183,000 | $ 183,000 | $ 71,000 |
| Benton, Indiana | 1 | $ 124,000 | $ 124,000 | $ 62,000 |
| Blackford, Indiana | 1 | $ 72,000 | $ 72,000 | $ 78,000 |
| Boone, Indiana | 1 | $ 227,000 | $ 227,000 | $ 119,000 |
| Brown, Indiana | 1 | $ 150,000 | $ 150,000 | $ 48,000 |
| Clark, Indiana | 1 | $ 141,000 | $ 141,000 | $ 60,000 |
| Delaware, Indiana | 1 | $ 36,000 | $ 36,000 | $ 60,000 |
| Floyd, Indiana | 1 | $ 43,000 | $ 43,000 | $ 51,000 |
| Gibson, Indiana | 1 | $ 109,000 | $ 109,000 | $ 50,000 |
| Harrison, Indiana | 1 | $ 100,000 | $ 100,000 | $ 53,000 |
| Huntington, Indiana | 1 | $ 94,000 | $ 94,000 | $ 34,000 |
| Jackson, Indiana | 1 | $ 171,000 | $ 171,000 | $ 47,000 |
| Kosciusko, Indiana | 1 | $ 116,000 | $ 116,000 | $ 26,000 |
| Newton, Indiana | 1 | $ 63,000 | $ 63,000 | $ 71,000 |
| Parke, Indiana | 1 | $ 185,000 | $ 185,000 | $ 149,000 |
| Perry, Indiana | 1 | $ 62,000 | $ 62,000 | $ 97,000 |
| Putnam, Indiana | 1 | $ 60,000 | $ 60,000 | $ 94,000 |
| Sullivan, Indiana | 1 | $ 22,000 | $ 22,000 | $ 45,000 |
| Vanderburgh, Indiana | 1 | $ 60,000 | $ 60,000 | $ 57,000 |
| Vigo, Indiana | 1 | $ 70,000 | $ 70,000 | $ 62,000 |
| Franklin, Kentucky | 1 | $ 82,000 | $ 82,000 | $ 32,000 |
| Jefferson, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 39,000 |
| Madison, Kentucky | 1 | $ 104,000 | $ 104,000 | $ 39,000 |
| Marshall, Kentucky | 1 | $ 210,000 | $ 210,000 | $ 170,000 |
| Mercer, Kentucky | 1 | $ 137,000 | $ 137,000 | $ 47,000 |
| Webster, Kentucky | 1 | $ 103,000 | $ 103,000 | $ 69,000 |
| East Baton Rouge, Louisiana | 1 | $ 100,000 | $ 100,000 | $ 72,000 |
| Allegan, Michigan | 1 | $ 25,000 | $ 25,000 | $ 25,000 |
| Chippewa, Michigan | 1 | $ 168,000 | $ 168,000 | $ 144,000 |
| Dickinson, Michigan | 1 | $ 42,000 | $ 42,000 | $ 240,000 |
| Gogebic, Michigan | 1 | $ 124,000 | $ 124,000 | $ 42,000 |
| Marquette, Michigan | 1 | $ 88,000 | $ 88,000 | $ 88,000 |
| Oceana, Michigan | 1 | $ 520,000 | $ 520,000 | $ 225,000 |
| Ontonagon, Michigan | 1 | $ 198,000 | $ 198,000 | $ 125,000 |
| Gallatin, Montana | 1 | $ 240,000 | $ 240,000 | $ 487,000 |
| New York, New York | 1 | $ 250,000 | $ 250,000 | $ 367,000 |
| Onslow, North Carolina | 1 | $ 88,000 | $ 88,000 | $ 62,000 |
| Clark, Ohio | 1 | $ 158,000 | $ 158,000 | $ 72,000 |
| Fairfield, Ohio | 1 | $ 281,000 | $ 281,000 | $ 120,000 |
| Franklin, Ohio | 1 | $ 80,000 | $ 80,000 | $ 83,000 |
| Perry, Ohio | 1 | $ 80,000 | $ 80,000 | $ 44,000 |
| Pickaway, Ohio | 1 | $ 132,000 | $ 132,000 | $ 57,000 |
| Shelby, Ohio | 1 | $ 219,000 | $ 219,000 | $ 83,000 |
| Williams, Ohio | 1 | $ 42,000 | $ 42,000 | $ 48,000 |
| Wood, Ohio | 1 | $ 80,000 | $ 80,000 | $ 71,000 |
| Clackamas, Oregon | 1 | $ 228,000 | $ 228,000 | $ 159,000 |
| Philadelphia, Pennsylvania | 1 | $ 276,000 | $ 276,000 | $ 312,000 |
| Beaufort, South Carolina | 1 | $ 264,000 | $ 264,000 | $ 133,000 |
| Iron, Wisconsin | 1 | $ 23,000 | $ 23,000 | $ 96,000 |
| Jefferson, Wisconsin | 1 | $ 7,000 | $ 7,000 | $ 34,000 |
| Milwaukee, Wisconsin | 1 | $ 13,000 | $ 13,000 | $ 90,000 |
| Winnebago, Wisconsin | 1 | $ 1,000 | $ 1,000 | $ 7,000 |
Mortgage Loan Application Detail Totals for Citizens Bank in 2004
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 | 3,645 | $371,002,000 | $132,300 | $3,840,000 | $123,900 | $9,702,000 |
| Home Improvement | 2,765 | $64,693,000 | $22,200 | $7,830,000 | $55,200 | $1,000,000 |
| Home Purchase | 2,329 | $285,841,000 | $151,800 | $2,000,000 | $120,333 | $3,200,000 |
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 | 7,544 | $643,717,000 | $131,400 | $7,830,000 | $94,800 | $9,702,000 |
| Black or African American | 712 | $33,281,000 | $93,666 | $892,000 | $114,666 | $432,000 |
| Hispanic | 228 | $12,670,000 | $86,750 | $700,000 | $86,000 | $310,000 |
| Not Provided | 121 | $16,484,000 | $206,000 | $3,840,000 | $226,800 | $917,000 |
| Asian | 61 | $8,221,000 | $111,000 | $640,000 | $62,666 | $943,000 |
| American Indian or Alaskan Native | 49 | $3,001,000 | $61,000 | $513,000 | $63,000 | $456,000 |
| Not applicable | 14 | $3,366,000 | $189,500 | $709,000 | $675,500 | $7,052,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $796,000 | $79,000 | $321,000 | $110,000 | $326,000 |
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) | 8,587 | $709,531,000 | $142,470 | $7,830,000 | $125,647 | $9,702,000 |
| FHA-insured (Federal Housing Administration) | 122 | $9,106,000 | $76,000 | $176,000 | $34,000 | $143,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,275,000 | $89,000 | $142,000 | $39,500 | $53,000 |
| VA-guaranteed (Veterans Administration) | 14 | $1,624,000 | $103,500 | $194,000 | $45,000 | $84,000 |
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 | 5,656 | $498,365,000 | $141,538 | $7,830,000 | $144,846 | $9,702,000 |
| Application Denied By Financial Institution | 1,595 | $69,681,000 | $93,833 | $3,840,000 | $65,166 | $917,000 |
| Application Approved But Not Accepted | 1,041 | $94,885,000 | $123,142 | $640,000 | $75,285 | $943,000 |
| Application Withdrawn By Applicant | 293 | $43,368,000 | $160,000 | $2,000,000 | $94,142 | $1,200,000 |
| Preapproval Denied by Financial Institution | 87 | $8,410,000 | $96,000 | $300,000 | $38,000 | $135,000 |
| File Closed For Incompleteness | 67 | $6,827,000 | $101,000 | $469,000 | $73,000 | $350,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 1,335 | $44,569,000 | $62,000 | $360,000 | $47,800 | $286,000 |
| Debt-To-Income Ratio | 169 | $20,655,000 | $110,500 | $3,840,000 | $42,500 | $917,000 |
| Other | 79 | $5,614,000 | $117,600 | $245,000 | $90,000 | $512,000 |
| Collateral | 56 | $3,885,000 | $81,000 | $334,000 | $43,000 | $158,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 24 | $1,341,000 | $67,500 | $184,000 | $34,000 | $83,000 |
| Credit Application Incomplete | 10 | $1,453,000 | $162,333 | $260,000 | $48,333 | $190,000 |
| Unverifiable Information | 6 | $435,000 | $72,500 | $120,000 | $28,500 | $48,000 |
| Employment History | 3 | $139,000 | $44,500 | $65,000 | $16,500 | $27,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank's 2004 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.
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