Citizens Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Citizens Bank 2007 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 | 10,016 |
| Total Mortgage Loan Application Amount | $1,254,712,000 |
| Average Mortgage Loan Application Amount | $109,666 |
| Highest Mortgage Loan Application Amount | $16,000,000 |
| Average Applicant Income | $72,333 |
| Highest Applicant Income | $3,600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 1,341 | $ 115,550,000 | $ 86,000 | $ 62,000 |
| Oakland County Michigan | 680 | $ 166,459,000 | $ 244,000 | $ 123,000 |
| Wayne County Michigan | 439 | $ 64,504,000 | $ 146,000 | $ 74,000 |
| Saginaw County Michigan | 402 | $ 25,608,000 | $ 63,000 | $ 65,000 |
| Washtenaw County Michigan | 359 | $ 88,196,000 | $ 245,000 | $ 86,000 |
| Jackson County Michigan | 276 | $ 23,049,000 | $ 83,000 | $ 60,000 |
| Macomb County Michigan | 261 | $ 48,679,000 | $ 186,000 | $ 83,000 |
| Bay County Michigan | 244 | $ 13,481,000 | $ 55,000 | $ 63,000 |
| Muskegon County Michigan | 240 | $ 22,878,000 | $ 95,000 | $ 58,000 |
| Livingston County Michigan | 236 | $ 36,793,000 | $ 155,000 | $ 100,000 |
| Wexford County Michigan | 228 | $ 15,491,000 | $ 67,000 | $ 66,000 |
| Ottawa County Michigan | 208 | $ 26,513,000 | $ 127,000 | $ 71,000 |
| Ingham County Michigan | 174 | $ 22,451,000 | $ 129,000 | $ 75,000 |
| Shiawassee County Michigan | 167 | $ 13,369,000 | $ 80,000 | $ 57,000 |
| Osceola County Michigan | 161 | $ 8,923,000 | $ 55,000 | $ 52,000 |
| Brown County Wisconsin | 144 | $ 21,156,000 | $ 146,000 | $ 80,000 |
| Midland County Michigan | 137 | $ 15,072,000 | $ 110,000 | $ 79,000 |
| Oconto County Wisconsin | 136 | $ 11,846,000 | $ 87,000 | $ 56,000 |
| St. Joseph County Michigan | 134 | $ 8,512,000 | $ 63,000 | $ 47,000 |
| Winnebago County Wisconsin | 121 | $ 13,376,000 | $ 110,000 | $ 64,000 |
| Kent County Michigan | 117 | $ 18,986,000 | $ 162,000 | $ 84,000 |
| Clinton County Michigan | 111 | $ 7,932,000 | $ 71,000 | $ 65,000 |
| Kalamazoo County Michigan | 102 | $ 14,524,000 | $ 142,000 | $ 70,000 |
| Missaukee County Michigan | 102 | $ 10,308,000 | $ 101,000 | $ 62,000 |
| Outagamie County Wisconsin | 98 | $ 8,023,000 | $ 81,000 | $ 60,000 |
| Cuyahoga County Ohio | 92 | $ 15,085,000 | $ 163,000 | $ 65,000 |
| Marquette County Michigan | 87 | $ 7,269,000 | $ 83,000 | $ 67,000 |
| Crawford County Michigan | 85 | $ 6,525,000 | $ 76,000 | $ 58,000 |
| Otsego County Michigan | 75 | $ 12,847,000 | $ 171,000 | $ 99,000 |
| Portage County Wisconsin | 74 | $ 7,424,000 | $ 100,000 | $ 61,000 |
| Antrim County Michigan | 72 | $ 8,441,000 | $ 117,000 | $ 134,000 |
| Allegan County Michigan | 70 | $ 11,613,000 | $ 165,000 | $ 95,000 |
| Oscoda County Michigan | 70 | $ 4,478,000 | $ 63,000 | $ 46,000 |
| Grand Traverse County Michigan | 69 | $ 9,952,000 | $ 144,000 | $ 79,000 |
| Arenac County Michigan | 68 | $ 3,205,000 | $ 47,000 | $ 55,000 |
| Charlevoix County Michigan | 68 | $ 11,477,000 | $ 168,000 | $ 132,000 |
| Walworth County Wisconsin | 63 | $ 6,226,000 | $ 98,000 | $ 66,000 |
| Lake County Ohio | 62 | $ 8,506,000 | $ 137,000 | $ 64,000 |
| Vilas County Wisconsin | 62 | $ 8,698,000 | $ 140,000 | $ 107,000 |
| Tuscola County Michigan | 61 | $ 4,724,000 | $ 77,000 | $ 57,000 |
| Oneida County Wisconsin | 61 | $ 9,422,000 | $ 154,000 | $ 106,000 |
| Door County Wisconsin | 60 | $ 9,473,000 | $ 157,000 | $ 63,000 |
| Houghton County Michigan | 55 | $ 3,768,000 | $ 68,000 | $ 54,000 |
| Waushara County Wisconsin | 52 | $ 4,175,000 | $ 80,000 | $ 60,000 |
| Calumet County Wisconsin | 51 | $ 5,241,000 | $ 102,000 | $ 78,000 |
| Marion County Indiana | 50 | $ 5,865,000 | $ 117,000 | $ 57,000 |
| Alpena County Michigan | 50 | $ 3,540,000 | $ 70,000 | $ 55,000 |
| Lapeer County Michigan | 49 | $ 6,131,000 | $ 125,000 | $ 74,000 |
| Grant County Wisconsin | 47 | $ 2,669,000 | $ 56,000 | $ 54,000 |
| Roscommon County Michigan | 39 | $ 3,933,000 | $ 100,000 | $ 83,000 |
| Waupaca County Wisconsin | 39 | $ 4,458,000 | $ 114,000 | $ 61,000 |
| Emmet County Michigan | 38 | $ 16,167,000 | $ 425,000 | $ 136,000 |
| Monroe County Michigan | 38 | $ 3,191,000 | $ 83,000 | $ 72,000 |
| Hamilton County Indiana | 37 | $ 4,407,000 | $ 119,000 | $ 59,000 |
| Calhoun County Michigan | 37 | $ 3,247,000 | $ 87,000 | $ 60,000 |
| Gladwin County Michigan | 35 | $ 3,028,000 | $ 86,000 | $ 53,000 |
| Ogemaw County Michigan | 35 | $ 1,751,000 | $ 50,000 | $ 77,000 |
| Eaton County Michigan | 30 | $ 3,527,000 | $ 117,000 | $ 61,000 |
| Marinette County Wisconsin | 30 | $ 2,091,000 | $ 69,000 | $ 57,000 |
| Clare County Michigan | 29 | $ 1,803,000 | $ 62,000 | $ 58,000 |
| Douglas County Wisconsin | 29 | $ 1,504,000 | $ 51,000 | $ 75,000 |
| Geauga County Ohio | 27 | $ 4,246,000 | $ 157,000 | $ 57,000 |
| Kewaunee County Wisconsin | 27 | $ 1,833,000 | $ 67,000 | $ 51,000 |
| Leelanau County Michigan | 26 | $ 7,835,000 | $ 301,000 | $ 188,000 |
| Jefferson County Wisconsin | 26 | $ 1,874,000 | $ 72,000 | $ 57,000 |
| Waukesha County Wisconsin | 26 | $ 6,863,000 | $ 263,000 | $ 165,000 |
| Alcona County Michigan | 23 | $ 2,683,000 | $ 116,000 | $ 73,000 |
| Gogebic County Michigan | 23 | $ 916,000 | $ 39,000 | $ 35,000 |
| Howard County Indiana | 22 | $ 2,615,000 | $ 118,000 | $ 63,000 |
| Kalkaska County Michigan | 22 | $ 2,322,000 | $ 105,000 | $ 93,000 |
| Lincoln County Wisconsin | 22 | $ 2,061,000 | $ 93,000 | $ 108,000 |
| Milwaukee County Wisconsin | 21 | $ 5,095,000 | $ 242,000 | $ 231,000 |
| Johnson County Indiana | 20 | $ 2,325,000 | $ 116,000 | $ 50,000 |
| Benzie County Michigan | 20 | $ 2,788,000 | $ 139,000 | $ 85,000 |
| Hancock County Indiana | 19 | $ 2,505,000 | $ 131,000 | $ 59,000 |
| Alger County Michigan | 18 | $ 1,493,000 | $ 82,000 | $ 69,000 |
| Iron County Michigan | 18 | $ 1,095,000 | $ 60,000 | $ 51,000 |
| Lenawee County Michigan | 18 | $ 2,220,000 | $ 123,000 | $ 79,000 |
| Crawford County Wisconsin | 18 | $ 1,070,000 | $ 59,000 | $ 39,000 |
| Barry County Michigan | 17 | $ 3,009,000 | $ 177,000 | $ 82,000 |
| Isabella County Michigan | 17 | $ 4,461,000 | $ 262,000 | $ 66,000 |
| Lake County Michigan | 17 | $ 1,210,000 | $ 71,000 | $ 49,000 |
| Lorain County Ohio | 17 | $ 3,320,000 | $ 195,000 | $ 72,000 |
| Ottawa County Ohio | 17 | $ 2,601,000 | $ 153,000 | $ 126,000 |
| Manitowoc County Wisconsin | 17 | $ 1,616,000 | $ 95,000 | $ 61,000 |
| Polk County Wisconsin | 17 | $ 1,833,000 | $ 107,000 | $ 73,000 |
| Chippewa County Michigan | 16 | $ 1,654,000 | $ 103,000 | $ 70,000 |
| Newaygo County Michigan | 16 | $ 1,718,000 | $ 107,000 | $ 61,000 |
| St. Clair County Michigan | 16 | $ 2,508,000 | $ 156,000 | $ 95,000 |
| Van Buren County Michigan | 16 | $ 2,331,000 | $ 145,000 | $ 46,000 |
| Branch County Michigan | 15 | $ 1,227,000 | $ 81,000 | $ 66,000 |
| Cheboygan County Michigan | 15 | $ 2,122,000 | $ 141,000 | $ 224,000 |
| Mecosta County Michigan | 15 | $ 1,712,000 | $ 114,000 | $ 77,000 |
| Presque Isle County Michigan | 15 | $ 1,059,000 | $ 70,000 | $ 48,000 |
| Medina County Ohio | 15 | $ 2,523,000 | $ 168,000 | $ 84,000 |
| Iron County Wisconsin | 15 | $ 971,000 | $ 64,000 | $ 42,000 |
| Lafayette County Wisconsin | 15 | $ 418,000 | $ 27,000 | $ 51,000 |
| Baraga County Michigan | 14 | $ 1,095,000 | $ 78,000 | $ 76,000 |
| Delta County Michigan | 14 | $ 1,121,000 | $ 80,000 | $ 68,000 |
| Dickinson County Michigan | 14 | $ 558,000 | $ 39,000 | $ 44,000 |
| Iosco County Michigan | 14 | $ 1,379,000 | $ 98,000 | $ 88,000 |
| Manistee County Michigan | 14 | $ 1,046,000 | $ 74,000 | $ 48,000 |
| Summit County Ohio | 14 | $ 2,845,000 | $ 203,000 | $ 68,000 |
| Iowa County Wisconsin | 14 | $ 1,235,000 | $ 88,000 | $ 60,000 |
| Hendricks County Indiana | 13 | $ 1,634,000 | $ 125,000 | $ 52,000 |
| Gratiot County Michigan | 13 | $ 598,000 | $ 46,000 | $ 42,000 |
| Montmorency County Michigan | 13 | $ 1,479,000 | $ 113,000 | $ 75,000 |
| Shawano County Wisconsin | 13 | $ 1,343,000 | $ 103,000 | $ 68,000 |
| Green County Wisconsin | 12 | $ 609,000 | $ 50,000 | $ 53,000 |
| St. Croix County Wisconsin | 12 | $ 1,525,000 | $ 127,000 | $ 68,000 |
| Morgan County Indiana | 11 | $ 1,321,000 | $ 120,000 | $ 47,000 |
| Keweenaw County Michigan | 11 | $ 1,272,000 | $ 115,000 | $ 69,000 |
| Oceana County Michigan | 11 | $ 907,000 | $ 82,000 | $ 36,000 |
| Adams County Wisconsin | 11 | $ 1,520,000 | $ 138,000 | $ 73,000 |
| Hillsdale County Michigan | 10 | $ 522,000 | $ 52,000 | $ 85,000 |
| Cook County Illinois | 9 | $ 3,165,000 | $ 351,000 | $ 162,000 |
| Langlade County Wisconsin | 9 | $ 491,000 | $ 54,000 | $ 44,000 |
| Lee County Florida | 8 | $ 3,505,000 | $ 438,000 | $ 356,000 |
| Broward County Florida | 7 | $ 2,145,000 | $ 306,000 | $ 465,000 |
| Tippecanoe County Indiana | 7 | $ 840,000 | $ 120,000 | $ 37,000 |
| Luce County Michigan | 7 | $ 488,000 | $ 69,000 | $ 50,000 |
| Mackinac County Michigan | 7 | $ 2,546,000 | $ 363,000 | $ 297,000 |
| Menominee County Michigan | 7 | $ 687,000 | $ 98,000 | $ 63,000 |
| Ontonagon County Michigan | 7 | $ 256,000 | $ 36,000 | $ 48,000 |
| Franklin County Ohio | 7 | $ 1,101,000 | $ 157,000 | $ 95,000 |
| Lucas County Ohio | 7 | $ 10,740,000 | $ 1,534,000 | $ 48,000 |
| Portage County Ohio | 7 | $ 1,059,000 | $ 151,000 | $ 54,000 |
| Racine County Wisconsin | 7 | $ 1,176,000 | $ 168,000 | $ 46,000 |
| Sheboygan County Wisconsin | 7 | $ 671,000 | $ 95,000 | $ 150,000 |
| Maricopa County Arizona | 6 | $ 751,000 | $ 125,000 | $ 87,000 |
| Sarasota County Florida | 6 | $ 1,879,000 | $ 313,000 | $ 134,000 |
| Madison County Indiana | 6 | $ 786,000 | $ 131,000 | $ 56,000 |
| Berrien County Michigan | 6 | $ 862,000 | $ 143,000 | $ 42,000 |
| Montcalm County Michigan | 6 | $ 371,000 | $ 61,000 | $ 60,000 |
| Hennepin County Minnesota | 6 | $ 373,000 | $ 62,000 | $ 98,000 |
| Florence County Wisconsin | 6 | $ 727,000 | $ 121,000 | $ 81,000 |
| Rock County Wisconsin | 6 | $ 11,363,000 | $ 1,893,000 | $ 40,000 |
| Wood County Wisconsin | 6 | $ 474,000 | $ 79,000 | $ 54,000 |
| LaGrange County Indiana | 5 | $ 270,000 | $ 54,000 | $ 41,000 |
| Mason County Michigan | 5 | $ 544,000 | $ 108,000 | $ 109,000 |
| Montgomery County Ohio | 5 | $ 304,000 | $ 60,000 | $ 77,000 |
| Marathon County Wisconsin | 5 | $ 571,000 | $ 114,000 | $ 69,000 |
| Washington County Wisconsin | 5 | $ 905,000 | $ 181,000 | $ 96,000 |
| Mohave County Arizona | 4 | $ 397,000 | $ 99,000 | $ 300,000 |
| Collier County Florida | 4 | $ 1,101,000 | $ 275,000 | $ 199,000 |
| Pinellas County Florida | 4 | $ 1,227,000 | $ 306,000 | $ 322,000 |
| Hardin County Iowa | 4 | $ 103,000 | $ 25,000 | $ 118,000 |
| Huron County Michigan | 4 | $ 184,000 | $ 46,000 | $ 39,000 |
| Columbia County Wisconsin | 4 | $ 773,000 | $ 193,000 | $ 110,000 |
| Forest County Wisconsin | 4 | $ 432,000 | $ 108,000 | $ 29,000 |
| Green Lake County Wisconsin | 4 | $ 256,000 | $ 64,000 | $ 43,000 |
| Dubuque County Iowa | 3 | $ 93,000 | $ 31,000 | $ 24,000 |
| Cass County Michigan | 3 | $ 140,000 | $ 46,000 | $ 52,000 |
| Sanilac County Michigan | 3 | $ 542,000 | $ 180,000 | $ 84,000 |
| Schoolcraft County Michigan | 3 | $ 164,000 | $ 54,000 | $ 84,000 |
| Washington County Minnesota | 3 | $ 483,000 | $ 161,000 | $ 101,000 |
| Ashtabula County Ohio | 3 | $ 323,000 | $ 107,000 | $ 44,000 |
| Greene County Ohio | 3 | $ 627,000 | $ 209,000 | $ 138,000 |
| Denton County Texas | 3 | $ 422,000 | $ 140,000 | $ 60,000 |
| Dane County Wisconsin | 3 | $ 559,000 | $ 186,000 | $ 63,000 |
| Dodge County Wisconsin | 3 | $ 188,000 | $ 62,000 | $ 57,000 |
| New London County Connecticut | 2 | $ 234,000 | $ 117,000 | $ 106,000 |
| Martin County Florida | 2 | $ 250,000 | $ 125,000 | $ 93,000 |
| Miami-Dade County Florida | 2 | $ 1,125,000 | $ 562,000 | $ 371,000 |
| Osceola County Florida | 2 | $ 673,000 | $ 336,000 | $ 1,396,000 |
| Palm Beach County Florida | 2 | $ 1,640,000 | $ 820,000 | $ 574,000 |
| Pasco County Florida | 2 | $ 248,000 | $ 124,000 | $ 84,000 |
| St. Lucie County Florida | 2 | $ 299,000 | $ 149,000 | $ 284,000 |
| Walton County Florida | 2 | $ 290,000 | $ 145,000 | $ 436,000 |
| Henry County Indiana | 2 | $ 248,000 | $ 124,000 | $ 83,000 |
| Miami County Indiana | 2 | $ 203,000 | $ 101,000 | $ 73,000 |
| Shelby County Indiana | 2 | $ 220,000 | $ 110,000 | $ 32,000 |
| St. Joseph County Indiana | 2 | $ 992,000 | $ 496,000 | $ 0 |
| Clayton County Iowa | 2 | $ 93,000 | $ 46,000 | $ 37,000 |
| Marion County Iowa | 2 | $ 279,000 | $ 139,000 | $ 400,000 |
| Ionia County Michigan | 2 | $ 129,000 | $ 64,000 | $ 38,000 |
| Mille Lacs County Minnesota | 2 | $ 155,000 | $ 77,000 | $ 128,000 |
| Olmsted County Minnesota | 2 | $ 195,000 | $ 97,000 | $ 90,000 |
| Scott County Minnesota | 2 | $ 592,000 | $ 296,000 | $ 126,000 |
| Carroll County Ohio | 2 | $ 160,000 | $ 80,000 | $ 129,000 |
| Clermont County Ohio | 2 | $ 249,000 | $ 124,000 | $ 41,000 |
| Hancock County Ohio | 2 | $ 146,000 | $ 73,000 | $ 91,000 |
| Huron County Ohio | 2 | $ 100,000 | $ 50,000 | $ 43,000 |
| Sandusky County Ohio | 2 | $ 474,000 | $ 237,000 | $ 96,000 |
| Trumbull County Ohio | 2 | $ 136,000 | $ 68,000 | $ 0 |
| Warren County Ohio | 2 | $ 442,000 | $ 221,000 | $ 78,000 |
| Beaufort County South Carolina | 2 | $ 1,151,000 | $ 575,000 | $ 69,000 |
| Chippewa County Wisconsin | 2 | $ 461,000 | $ 230,000 | $ 84,000 |
| Ozaukee County Wisconsin | 2 | $ 329,000 | $ 164,000 | $ 124,000 |
| Price County Wisconsin | 2 | $ 187,000 | $ 93,000 | $ 69,000 |
| Navajo County Arizona | 1 | $ 761,000 | $ 761,000 | $ 253,000 |
| Pima County Arizona | 1 | $ 417,000 | $ 417,000 | $ 117,000 |
| Marin County California | 1 | $ 125,000 | $ 125,000 | $ 120,000 |
| Riverside County California | 1 | $ 940,000 | $ 940,000 | $ 328,000 |
| Charlotte County Florida | 1 | $ 96,000 | $ 96,000 | $ 100,000 |
| Citrus County Florida | 1 | $ 20,000 | $ 20,000 | $ 259,000 |
| Hillsborough County Florida | 1 | $ 125,000 | $ 125,000 | $ 151,000 |
| Monroe County Florida | 1 | $ 500,000 | $ 500,000 | $ 0 |
| St. Johns County Florida | 1 | $ 200,000 | $ 200,000 | $ 91,000 |
| Volusia County Florida | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Jo Daviess County Illinois | 1 | $ 27,000 | $ 27,000 | $ 86,000 |
| Lake County Illinois | 1 | $ 31,000 | $ 31,000 | $ 85,000 |
| Stephenson County Illinois | 1 | $ 70,000 | $ 70,000 | $ 95,000 |
| Woodford County Illinois | 1 | $ 122,000 | $ 122,000 | $ 41,000 |
| Adams County Indiana | 1 | $ 64,000 | $ 64,000 | $ 135,000 |
| Boone County Indiana | 1 | $ 268,000 | $ 268,000 | $ 48,000 |
| Cass County Indiana | 1 | $ 111,000 | $ 111,000 | $ 122,000 |
| Elkhart County Indiana | 1 | $ 252,000 | $ 252,000 | $ 183,000 |
| Grant County Indiana | 1 | $ 88,000 | $ 88,000 | $ 21,000 |
| Lake County Indiana | 1 | $ 387,000 | $ 387,000 | $ 169,000 |
| Porter County Indiana | 1 | $ 121,000 | $ 121,000 | $ 139,000 |
| Steuben County Indiana | 1 | $ 88,000 | $ 88,000 | $ 106,000 |
| Marshall County Iowa | 1 | $ 50,000 | $ 50,000 | $ 37,000 |
| Caddo County Louisiana | 1 | $ 125,000 | $ 125,000 | $ 31,000 |
| Oxford County Maine | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Sagadahoc County Maine | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Berkshire County Massachusetts | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Middlesex County Massachusetts | 1 | $ 11,000 | $ 11,000 | $ 120,000 |
| Carlton County Minnesota | 1 | $ 49,000 | $ 49,000 | $ 43,000 |
| Dakota County Minnesota | 1 | $ 269,000 | $ 269,000 | $ 86,000 |
| Sherburne County Minnesota | 1 | $ 27,000 | $ 27,000 | $ 68,000 |
| St. Louis County Minnesota | 1 | $ 6,000 | $ 6,000 | $ 53,000 |
| Tallahatchie County Mississippi | 1 | $ 167,000 | $ 167,000 | $ 105,000 |
| Jefferson County Missouri | 1 | $ 90,000 | $ 90,000 | $ 23,000 |
| Merrimack County New Hampshire | 1 | $ 350,000 | $ 350,000 | $ 140,000 |
| Warren County New Jersey | 1 | $ 10,000 | $ 10,000 | $ 50,000 |
| Wake County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 110,000 |
| Burleigh County North Dakota | 1 | $ 10,000 | $ 10,000 | $ 48,000 |
| Allen County Ohio | 1 | $ 79,000 | $ 79,000 | $ 70,000 |
| Ashland County Ohio | 1 | $ 66,000 | $ 66,000 | $ 33,000 |
| Auglaize County Ohio | 1 | $ 52,000 | $ 52,000 | $ 29,000 |
| Champaign County Ohio | 1 | $ 97,000 | $ 97,000 | $ 39,000 |
| Erie County Ohio | 1 | $ 199,000 | $ 199,000 | $ 42,000 |
| Hamilton County Ohio | 1 | $ 195,000 | $ 195,000 | $ 40,000 |
| Mahoning County Ohio | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Miami County Ohio | 1 | $ 34,000 | $ 34,000 | $ 79,000 |
| Richland County Ohio | 1 | $ 160,000 | $ 160,000 | $ 58,000 |
| Shelby County Ohio | 1 | $ 155,000 | $ 155,000 | $ 41,000 |
| Horry County South Carolina | 1 | $ 296,000 | $ 296,000 | $ 96,000 |
| Campbell County Tennessee | 1 | $ 300,000 | $ 300,000 | $ 175,000 |
| Davidson County Tennessee | 1 | $ 120,000 | $ 120,000 | $ 39,000 |
| Robertson County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Sumner County Tennessee | 1 | $ 143,000 | $ 143,000 | $ 45,000 |
| Barron County Wisconsin | 1 | $ 118,000 | $ 118,000 | $ 90,000 |
| Bayfield County Wisconsin | 1 | $ 15,000 | $ 15,000 | $ 86,000 |
| Clark County Wisconsin | 1 | $ 54,000 | $ 54,000 | $ 50,000 |
| Fond du Lac County Wisconsin | 1 | $ 80,000 | $ 80,000 | $ 195,000 |
| Kenosha County Wisconsin | 1 | $ 180,000 | $ 180,000 | $ 81,000 |
| Marquette County Wisconsin | 1 | $ 66,000 | $ 66,000 | $ 60,000 |
| Pierce County Wisconsin | 1 | $ 174,000 | $ 174,000 | $ 120,000 |
| Rusk County Wisconsin | 1 | $ 70,000 | $ 70,000 | $ 62,000 |
| Sauk County Wisconsin | 1 | $ 110,000 | $ 110,000 | $ 133,000 |
Mortgage Loan Application Detail Totals for Citizens Bank in 2007
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 | 4,529 | $613,288,000 | $135,000 | $3,845,000 | $81,000 | $3,600,000 |
| Home Purchase | 3,641 | $569,779,000 | $156,000 | $16,000,000 | $78,000 | $3,415,000 |
| Home Improvement | 1,846 | $71,645,000 | $38,000 | $11,000,000 | $58,000 | $2,088,000 |
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 | 8,649 | $990,497,000 | $114,000 | $3,845,000 | $76,000 | $3,600,000 |
| Black or African American | 561 | $50,188,000 | $89,000 | $1,940,000 | $71,000 | $3,415,000 |
| Not Provided | 357 | $46,843,000 | $131,000 | $939,000 | $87,000 | $1,875,000 |
| Hispanic | 181 | $14,716,000 | $81,000 | $650,000 | $53,000 | $241,000 |
| Asian | 142 | $34,492,000 | $242,000 | $2,000,000 | $113,000 | $720,000 |
| Not applicable | 87 | $112,955,000 | $1,298,000 | $16,000,000 | $0 | $0 |
| American Indian or Alaskan Native | 31 | $3,965,000 | $127,000 | $720,000 | $82,000 | $400,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,056,000 | $132,000 | $270,000 | $126,000 | $370,000 |
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) | 9,418 | $1,186,245,000 | $125,000 | $16,000,000 | $77,000 | $3,600,000 |
| FHA-insured (Federal Housing Administration) | 521 | $59,231,000 | $113,000 | $296,000 | $47,000 | $169,000 |
| VA-guaranteed (Veterans Administration) | 47 | $6,276,000 | $133,000 | $338,000 | $55,000 | $158,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $2,960,000 | $98,000 | $196,000 | $36,000 | $75,000 |
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 | 6,393 | $848,758,000 | $132,000 | $16,000,000 | $77,000 | $2,305,000 |
| Application Denied By Financial Institution | 1,658 | $123,877,000 | $74,000 | $1,940,000 | $60,000 | $1,550,000 |
| Application Withdrawn By Applicant | 904 | $146,518,000 | $162,000 | $1,680,000 | $83,000 | $3,600,000 |
| Application Approved But Not Accepted | 733 | $84,952,000 | $115,000 | $2,000,000 | $85,000 | $2,378,000 |
| File Closed For Incompleteness | 175 | $32,136,000 | $183,000 | $1,940,000 | $109,000 | $3,415,000 |
| Preapproval Denied by Financial Institution | 153 | $18,471,000 | $120,000 | $1,000,000 | $58,000 | $1,176,000 |
| 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 | 926 | $34,606,000 | $37,000 | $1,200,000 | $48,000 | $900,000 |
| Credit Application Incomplete | 262 | $43,114,000 | $164,000 | $1,940,000 | $77,000 | $1,550,000 |
| Debt-To-Income Ratio | 255 | $26,066,000 | $102,000 | $960,000 | $52,000 | $251,000 |
| Collateral | 207 | $24,339,000 | $117,000 | $1,500,000 | $95,000 | $1,442,000 |
| Other | 116 | $7,987,000 | $68,000 | $475,000 | $76,000 | $500,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 22 | $2,116,000 | $96,000 | $270,000 | $30,000 | $104,000 |
| Unverifiable Information | 14 | $3,199,000 | $228,000 | $938,000 | $83,000 | $305,000 |
| Employment History | 9 | $921,000 | $102,000 | $404,000 | $39,000 | $60,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank's 2007 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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with aggregated HMDA statistics today.