Citizens Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Citizens Bank 2008 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 | 6,574 |
| Total Mortgage Loan Application Amount | $831,613,000 |
| Average Mortgage Loan Application Amount | $109,666 |
| Highest Mortgage Loan Application Amount | $10,760,000 |
| Average Applicant Income | $74,666 |
| Highest Applicant Income | $4,960,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | 819 | $ 76,522,000 | $ 93,000 | $ 70,000 |
| Oakland County Michigan | 420 | $ 91,704,000 | $ 218,000 | $ 109,000 |
| Saginaw County Michigan | 337 | $ 27,729,000 | $ 82,000 | $ 71,000 |
| Jackson County Michigan | 292 | $ 25,450,000 | $ 87,000 | $ 69,000 |
| Washtenaw County Michigan | 225 | $ 39,980,000 | $ 177,000 | $ 107,000 |
| Wayne County Michigan | 214 | $ 38,160,000 | $ 178,000 | $ 102,000 |
| Livingston County Michigan | 199 | $ 31,252,000 | $ 157,000 | $ 91,000 |
| Brown County Wisconsin | 186 | $ 29,883,000 | $ 160,000 | $ 80,000 |
| Bay County Michigan | 183 | $ 14,117,000 | $ 77,000 | $ 80,000 |
| Wexford County Michigan | 180 | $ 14,454,000 | $ 80,000 | $ 62,000 |
| Macomb County Michigan | 147 | $ 27,399,000 | $ 186,000 | $ 77,000 |
| Shiawassee County Michigan | 128 | $ 13,410,000 | $ 104,000 | $ 67,000 |
| Midland County Michigan | 118 | $ 23,884,000 | $ 202,000 | $ 79,000 |
| St. Joseph County Michigan | 109 | $ 6,027,000 | $ 55,000 | $ 47,000 |
| Osceola County Michigan | 106 | $ 4,471,000 | $ 42,000 | $ 49,000 |
| Ingham County Michigan | 105 | $ 17,880,000 | $ 170,000 | $ 83,000 |
| Cuyahoga County Ohio | 93 | $ 31,299,000 | $ 336,000 | $ 67,000 |
| Oconto County Wisconsin | 93 | $ 10,309,000 | $ 110,000 | $ 74,000 |
| Clinton County Michigan | 81 | $ 8,672,000 | $ 107,000 | $ 70,000 |
| Marquette County Michigan | 80 | $ 5,537,000 | $ 69,000 | $ 54,000 |
| Otsego County Michigan | 78 | $ 11,163,000 | $ 143,000 | $ 85,000 |
| Missaukee County Michigan | 75 | $ 5,567,000 | $ 74,000 | $ 58,000 |
| Crawford County Michigan | 73 | $ 7,721,000 | $ 105,000 | $ 60,000 |
| Muskegon County Michigan | 72 | $ 5,170,000 | $ 71,000 | $ 69,000 |
| Kalamazoo County Michigan | 71 | $ 13,362,000 | $ 188,000 | $ 83,000 |
| Ottawa County Michigan | 64 | $ 3,891,000 | $ 60,000 | $ 97,000 |
| Portage County Wisconsin | 63 | $ 7,218,000 | $ 114,000 | $ 69,000 |
| Outagamie County Wisconsin | 60 | $ 6,692,000 | $ 111,000 | $ 78,000 |
| Oscoda County Michigan | 55 | $ 4,025,000 | $ 73,000 | $ 53,000 |
| Houghton County Michigan | 54 | $ 4,918,000 | $ 91,000 | $ 56,000 |
| Winnebago County Wisconsin | 54 | $ 6,874,000 | $ 127,000 | $ 70,000 |
| Arenac County Michigan | 53 | $ 2,589,000 | $ 48,000 | $ 59,000 |
| Grand Traverse County Michigan | 53 | $ 9,244,000 | $ 174,000 | $ 76,000 |
| Calhoun County Michigan | 49 | $ 4,231,000 | $ 86,000 | $ 67,000 |
| Charlevoix County Michigan | 45 | $ 4,905,000 | $ 109,000 | $ 81,000 |
| Emmet County Michigan | 42 | $ 11,219,000 | $ 267,000 | $ 158,000 |
| Antrim County Michigan | 41 | $ 4,320,000 | $ 105,000 | $ 74,000 |
| Ogemaw County Michigan | 41 | $ 2,409,000 | $ 58,000 | $ 49,000 |
| Oneida County Wisconsin | 40 | $ 6,301,000 | $ 157,000 | $ 112,000 |
| Vilas County Wisconsin | 40 | $ 7,166,000 | $ 179,000 | $ 119,000 |
| Monroe County Michigan | 39 | $ 3,043,000 | $ 78,000 | $ 56,000 |
| Grant County Wisconsin | 38 | $ 1,984,000 | $ 52,000 | $ 49,000 |
| Lake County Ohio | 37 | $ 6,022,000 | $ 162,000 | $ 70,000 |
| Door County Wisconsin | 35 | $ 4,337,000 | $ 123,000 | $ 76,000 |
| Lapeer County Michigan | 33 | $ 5,691,000 | $ 172,000 | $ 101,000 |
| Tuscola County Michigan | 32 | $ 2,741,000 | $ 85,000 | $ 52,000 |
| Roscommon County Michigan | 31 | $ 4,566,000 | $ 147,000 | $ 100,000 |
| Waupaca County Wisconsin | 30 | $ 3,065,000 | $ 102,000 | $ 61,000 |
| Waushara County Wisconsin | 29 | $ 3,194,000 | $ 110,000 | $ 67,000 |
| Gogebic County Michigan | 27 | $ 1,135,000 | $ 42,000 | $ 46,000 |
| Walworth County Wisconsin | 27 | $ 2,198,000 | $ 81,000 | $ 55,000 |
| Iron County Michigan | 26 | $ 1,245,000 | $ 47,000 | $ 51,000 |
| Alpena County Michigan | 25 | $ 2,982,000 | $ 119,000 | $ 78,000 |
| Calumet County Wisconsin | 24 | $ 2,399,000 | $ 99,000 | $ 61,000 |
| Marinette County Wisconsin | 24 | $ 2,306,000 | $ 96,000 | $ 68,000 |
| Gladwin County Michigan | 23 | $ 2,410,000 | $ 104,000 | $ 73,000 |
| Presque Isle County Michigan | 22 | $ 1,982,000 | $ 90,000 | $ 37,000 |
| Geauga County Ohio | 22 | $ 6,676,000 | $ 303,000 | $ 250,000 |
| Kent County Michigan | 21 | $ 3,191,000 | $ 151,000 | $ 91,000 |
| Alger County Michigan | 19 | $ 1,685,000 | $ 88,000 | $ 65,000 |
| Allegan County Michigan | 19 | $ 2,252,000 | $ 118,000 | $ 64,000 |
| Chippewa County Michigan | 19 | $ 1,444,000 | $ 76,000 | $ 66,000 |
| Crawford County Wisconsin | 19 | $ 813,000 | $ 42,000 | $ 47,000 |
| Clare County Michigan | 18 | $ 1,272,000 | $ 70,000 | $ 54,000 |
| Douglas County Wisconsin | 18 | $ 1,481,000 | $ 82,000 | $ 71,000 |
| Montmorency County Michigan | 17 | $ 1,683,000 | $ 99,000 | $ 63,000 |
| Lenawee County Michigan | 16 | $ 1,515,000 | $ 94,000 | $ 68,000 |
| Gratiot County Michigan | 15 | $ 1,183,000 | $ 78,000 | $ 58,000 |
| Cheboygan County Michigan | 14 | $ 1,899,000 | $ 135,000 | $ 89,000 |
| Delta County Michigan | 14 | $ 1,825,000 | $ 130,000 | $ 97,000 |
| Summit County Ohio | 14 | $ 1,840,000 | $ 131,000 | $ 120,000 |
| Iron County Wisconsin | 14 | $ 988,000 | $ 70,000 | $ 59,000 |
| Eaton County Michigan | 13 | $ 2,340,000 | $ 180,000 | $ 57,000 |
| Iosco County Michigan | 13 | $ 1,712,000 | $ 131,000 | $ 81,000 |
| Van Buren County Michigan | 13 | $ 1,871,000 | $ 143,000 | $ 141,000 |
| Ottawa County Ohio | 13 | $ 3,056,000 | $ 235,000 | $ 483,000 |
| Langlade County Wisconsin | 13 | $ 1,279,000 | $ 98,000 | $ 96,000 |
| Lincoln County Wisconsin | 13 | $ 1,065,000 | $ 81,000 | $ 47,000 |
| Dickinson County Michigan | 12 | $ 784,000 | $ 65,000 | $ 51,000 |
| Newaygo County Michigan | 12 | $ 1,140,000 | $ 95,000 | $ 101,000 |
| St. Clair County Michigan | 12 | $ 4,055,000 | $ 337,000 | $ 102,000 |
| Green County Wisconsin | 12 | $ 1,169,000 | $ 97,000 | $ 49,000 |
| Kewaunee County Wisconsin | 12 | $ 1,301,000 | $ 108,000 | $ 49,000 |
| Shawano County Wisconsin | 12 | $ 1,293,000 | $ 107,000 | $ 111,000 |
| Benzie County Michigan | 11 | $ 1,223,000 | $ 111,000 | $ 86,000 |
| Jefferson County Wisconsin | 11 | $ 1,224,000 | $ 111,000 | $ 53,000 |
| Kalkaska County Michigan | 10 | $ 1,191,000 | $ 119,000 | $ 93,000 |
| Leelanau County Michigan | 10 | $ 2,477,000 | $ 247,000 | $ 145,000 |
| Lafayette County Wisconsin | 10 | $ 983,000 | $ 98,000 | $ 69,000 |
| Waukesha County Wisconsin | 10 | $ 2,813,000 | $ 281,000 | $ 138,000 |
| Hillsdale County Michigan | 9 | $ 1,045,000 | $ 116,000 | $ 104,000 |
| Mecosta County Michigan | 9 | $ 765,000 | $ 85,000 | $ 46,000 |
| Manitowoc County Wisconsin | 9 | $ 959,000 | $ 106,000 | $ 65,000 |
| LaGrange County Indiana | 8 | $ 761,000 | $ 95,000 | $ 62,000 |
| Branch County Michigan | 8 | $ 410,000 | $ 51,000 | $ 40,000 |
| Milwaukee County Wisconsin | 8 | $ 1,223,000 | $ 152,000 | $ 97,000 |
| Lee County Florida | 7 | $ 1,684,000 | $ 240,000 | $ 163,000 |
| Baraga County Michigan | 7 | $ 497,000 | $ 71,000 | $ 53,000 |
| Mackinac County Michigan | 7 | $ 1,321,000 | $ 188,000 | $ 132,000 |
| Manistee County Michigan | 7 | $ 1,058,000 | $ 151,000 | $ 78,000 |
| Mason County Michigan | 7 | $ 878,000 | $ 125,000 | $ 57,000 |
| Medina County Ohio | 7 | $ 1,014,000 | $ 144,000 | $ 95,000 |
| Adams County Wisconsin | 7 | $ 1,183,000 | $ 169,000 | $ 207,000 |
| Maricopa County Arizona | 6 | $ 1,154,000 | $ 192,000 | $ 359,000 |
| Alcona County Michigan | 6 | $ 377,000 | $ 62,000 | $ 57,000 |
| Isabella County Michigan | 6 | $ 771,000 | $ 128,000 | $ 99,000 |
| Keweenaw County Michigan | 6 | $ 756,000 | $ 126,000 | $ 84,000 |
| Menominee County Michigan | 6 | $ 467,000 | $ 77,000 | $ 51,000 |
| Portage County Ohio | 6 | $ 1,202,000 | $ 200,000 | $ 110,000 |
| Polk County Wisconsin | 6 | $ 436,000 | $ 72,000 | $ 48,000 |
| Rock County Wisconsin | 6 | $ 505,000 | $ 84,000 | $ 51,000 |
| Sarasota County Florida | 5 | $ 1,065,000 | $ 213,000 | $ 298,000 |
| Huron County Michigan | 5 | $ 629,000 | $ 125,000 | $ 48,000 |
| Lake County Michigan | 5 | $ 394,000 | $ 78,000 | $ 71,000 |
| Montcalm County Michigan | 5 | $ 523,000 | $ 104,000 | $ 19,000 |
| St. Croix County Wisconsin | 5 | $ 549,000 | $ 109,000 | $ 51,000 |
| Broward County Florida | 4 | $ 996,000 | $ 249,000 | $ 201,000 |
| Cook County Illinois | 4 | $ 1,664,000 | $ 416,000 | $ 290,000 |
| Marion County Indiana | 4 | $ 316,000 | $ 79,000 | $ 45,000 |
| Ontonagon County Michigan | 4 | $ 327,000 | $ 81,000 | $ 53,000 |
| Montgomery County Ohio | 4 | $ 734,000 | $ 183,000 | $ 148,000 |
| Manatee County Florida | 3 | $ 646,000 | $ 215,000 | $ 157,000 |
| Palm Beach County Florida | 3 | $ 508,000 | $ 169,000 | $ 341,000 |
| St. Joseph County Indiana | 3 | $ 511,000 | $ 170,000 | $ 95,000 |
| Berrien County Michigan | 3 | $ 805,000 | $ 268,000 | $ 175,000 |
| Ionia County Michigan | 3 | $ 264,000 | $ 88,000 | $ 14,000 |
| Greene County Ohio | 3 | $ 284,000 | $ 94,000 | $ 77,000 |
| Dunn County Wisconsin | 3 | $ 315,000 | $ 105,000 | $ 76,000 |
| Fond du Lac County Wisconsin | 3 | $ 91,000 | $ 30,000 | $ 26,000 |
| Forest County Wisconsin | 3 | $ 202,000 | $ 67,000 | $ 40,000 |
| Marquette County Wisconsin | 3 | $ 352,000 | $ 117,000 | $ 68,000 |
| Ozaukee County Wisconsin | 3 | $ 301,000 | $ 100,000 | $ 74,000 |
| Sheboygan County Wisconsin | 3 | $ 486,000 | $ 162,000 | $ 69,000 |
| Collier County Florida | 2 | $ 436,000 | $ 218,000 | $ 277,000 |
| Miami-Dade County Florida | 2 | $ 567,000 | $ 283,000 | $ 204,000 |
| Pinellas County Florida | 2 | $ 253,000 | $ 126,000 | $ 440,000 |
| Hamilton County Indiana | 2 | $ 328,000 | $ 164,000 | $ 91,000 |
| Schoolcraft County Michigan | 2 | $ 325,000 | $ 162,000 | $ 84,000 |
| Carroll County Ohio | 2 | $ 163,000 | $ 81,000 | $ 129,000 |
| Lorain County Ohio | 2 | $ 559,000 | $ 279,000 | $ 168,000 |
| Lucas County Ohio | 2 | $ 167,000 | $ 83,000 | $ 48,000 |
| Warren County Ohio | 2 | $ 290,000 | $ 145,000 | $ 132,000 |
| Dodge County Wisconsin | 2 | $ 111,000 | $ 55,000 | $ 51,000 |
| Juneau County Wisconsin | 2 | $ 251,000 | $ 125,000 | $ 127,000 |
| Marathon County Wisconsin | 2 | $ 242,000 | $ 121,000 | $ 86,000 |
| Racine County Wisconsin | 2 | $ 251,000 | $ 125,000 | $ 66,000 |
| Montgomery County Alabama | 1 | $ 205,000 | $ 205,000 | $ 94,000 |
| Shelby County Alabama | 1 | $ 174,000 | $ 174,000 | $ 115,000 |
| Yavapai County Arizona | 1 | $ 100,000 | $ 100,000 | $ 24,000 |
| Del Norte County California | 1 | $ 65,000 | $ 65,000 | $ 120,000 |
| Nevada County California | 1 | $ 600,000 | $ 600,000 | $ 134,000 |
| San Bernardino County California | 1 | $ 194,000 | $ 194,000 | $ 115,000 |
| Boulder County Colorado | 1 | $ 512,000 | $ 512,000 | $ 165,000 |
| Eagle County Colorado | 1 | $ 160,000 | $ 160,000 | $ 984,000 |
| Pitkin County Colorado | 1 | $ 159,000 | $ 159,000 | $ 174,000 |
| Rio Blanco County Colorado | 1 | $ 142,000 | $ 142,000 | $ 54,000 |
| Charlotte County Florida | 1 | $ 124,000 | $ 124,000 | $ 80,000 |
| Duval County Florida | 1 | $ 200,000 | $ 200,000 | $ 128,000 |
| Indian River County Florida | 1 | $ 76,000 | $ 76,000 | $ 66,000 |
| Jefferson County Florida | 1 | $ 91,000 | $ 91,000 | $ 49,000 |
| Monroe County Florida | 1 | $ 166,000 | $ 166,000 | $ 18,000 |
| Osceola County Florida | 1 | $ 534,000 | $ 534,000 | $ 161,000 |
| Pasco County Florida | 1 | $ 40,000 | $ 40,000 | $ 27,000 |
| St. Lucie County Florida | 1 | $ 222,000 | $ 222,000 | $ 62,000 |
| Volusia County Florida | 1 | $ 77,000 | $ 77,000 | $ 121,000 |
| Walton County Florida | 1 | $ 417,000 | $ 417,000 | $ 259,000 |
| Butts County Georgia | 1 | $ 191,000 | $ 191,000 | $ 98,000 |
| Carroll County Illinois | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Kendall County Illinois | 1 | $ 156,000 | $ 156,000 | $ 91,000 |
| Allen County Indiana | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Boone County Indiana | 1 | $ 498,000 | $ 498,000 | $ 105,000 |
| Hendricks County Indiana | 1 | $ 101,000 | $ 101,000 | $ 65,000 |
| Kosciusko County Indiana | 1 | $ 182,000 | $ 182,000 | $ 228,000 |
| Lake County Indiana | 1 | $ 130,000 | $ 130,000 | $ 92,000 |
| Madison County Indiana | 1 | $ 378,000 | $ 378,000 | $ 240,000 |
| Noble County Indiana | 1 | $ 51,000 | $ 51,000 | $ 26,000 |
| Posey County Indiana | 1 | $ 161,000 | $ 161,000 | $ 80,000 |
| Clayton County Iowa | 1 | $ 30,000 | $ 30,000 | $ 49,000 |
| Fayette County Iowa | 1 | $ 50,000 | $ 50,000 | $ 105,000 |
| Rockcastle County Kentucky | 1 | $ 196,000 | $ 196,000 | $ 88,000 |
| Barnstable County Massachusetts | 1 | $ 154,000 | $ 154,000 | $ 34,000 |
| Middlesex County Massachusetts | 1 | $ 178,000 | $ 178,000 | $ 74,000 |
| Worcester County Massachusetts | 1 | $ 391,000 | $ 391,000 | $ 217,000 |
| Barry County Michigan | 1 | $ 133,000 | $ 133,000 | $ 52,000 |
| Luce County Michigan | 1 | $ 52,000 | $ 52,000 | $ 30,000 |
| Oceana County Michigan | 1 | $ 72,000 | $ 72,000 | $ 120,000 |
| Sanilac County Michigan | 1 | $ 83,000 | $ 83,000 | $ 27,000 |
| Carlton County Minnesota | 1 | $ 40,000 | $ 40,000 | $ 115,000 |
| Ramsey County Minnesota | 1 | $ 100,000 | $ 100,000 | $ 200,000 |
| Sherburne County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Christian County Missouri | 1 | $ 490,000 | $ 490,000 | $ 456,000 |
| Greene County Missouri | 1 | $ 286,000 | $ 286,000 | $ 170,000 |
| Santa Fe County New Mexico | 1 | $ 222,000 | $ 222,000 | $ 50,000 |
| Broome County New York | 1 | $ 324,000 | $ 324,000 | $ 333,000 |
| Rockland County New York | 1 | $ 175,000 | $ 175,000 | $ 98,000 |
| Ulster County New York | 1 | $ 179,000 | $ 179,000 | $ 92,000 |
| Butler County Ohio | 1 | $ 163,000 | $ 163,000 | $ 60,000 |
| Erie County Ohio | 1 | $ 278,000 | $ 278,000 | $ 133,000 |
| Hamilton County Ohio | 1 | $ 158,000 | $ 158,000 | $ 84,000 |
| Sandusky County Ohio | 1 | $ 48,000 | $ 48,000 | $ 18,000 |
| Wayne County Ohio | 1 | $ 25,000 | $ 25,000 | $ 92,000 |
| Philadelphia County Pennsylvania | 1 | $ 289,000 | $ 289,000 | $ 319,000 |
| Horry County South Carolina | 1 | $ 148,000 | $ 148,000 | $ 115,000 |
| Hamilton County Tennessee | 1 | $ 20,000 | $ 20,000 | $ 35,000 |
| Knox County Tennessee | 1 | $ 283,000 | $ 283,000 | $ 216,000 |
| Nueces County Texas | 1 | $ 970,000 | $ 970,000 | $ 214,000 |
| Webb County Texas | 1 | $ 130,000 | $ 130,000 | $ 24,000 |
| Kane County Utah | 1 | $ 160,000 | $ 160,000 | $ 94,000 |
| Logan County West Virginia | 1 | $ 20,000 | $ 20,000 | $ 68,000 |
| Barron County Wisconsin | 1 | $ 12,000 | $ 12,000 | $ 24,000 |
| Burnett County Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 73,000 |
| Columbia County Wisconsin | 1 | $ 93,000 | $ 93,000 | $ 116,000 |
| Florence County Wisconsin | 1 | $ 150,000 | $ 150,000 | $ 74,000 |
| Kenosha County Wisconsin | 1 | $ 223,000 | $ 223,000 | $ 124,000 |
| Pierce County Wisconsin | 1 | $ 186,000 | $ 186,000 | $ 90,000 |
| Price County Wisconsin | 1 | $ 149,000 | $ 149,000 | $ 80,000 |
| Wood County Wisconsin | 1 | $ 130,000 | $ 130,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Citizens Bank in 2008
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 | 3,842 | $553,006,000 | $143,000 | $5,995,000 | $86,000 | $2,158,000 |
| Home Purchase | 1,581 | $233,335,000 | $147,000 | $10,760,000 | $83,000 | $4,960,000 |
| Home Improvement | 1,151 | $45,272,000 | $39,000 | $8,500,000 | $55,000 | $755,000 |
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 | 4,991 | $558,090,000 | $111,000 | $4,992,000 | $78,000 | $1,748,000 |
| Not Provided | 1,021 | $146,089,000 | $143,000 | $2,800,000 | $94,000 | $4,960,000 |
| Black or African American | 252 | $20,348,000 | $80,000 | $3,200,000 | $62,000 | $624,000 |
| Asian | 112 | $34,867,000 | $311,000 | $2,550,000 | $132,000 | $843,000 |
| Hispanic | 94 | $7,592,000 | $80,000 | $1,000,000 | $63,000 | $300,000 |
| Not applicable | 78 | $61,913,000 | $793,000 | $10,760,000 | $0 | $0 |
| American Indian or Alaskan Native | 21 | $2,082,000 | $99,000 | $833,000 | $81,000 | $390,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $632,000 | $126,000 | $180,000 | $149,000 | $380,000 |
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) | 5,988 | $765,023,000 | $127,000 | $10,760,000 | $83,000 | $4,960,000 |
| FHA-insured (Federal Housing Administration) | 575 | $65,375,000 | $113,000 | $275,000 | $52,000 | $326,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $589,000 | $98,000 | $173,000 | $33,000 | $52,000 |
| VA-guaranteed (Veterans Administration) | 5 | $626,000 | $125,000 | $210,000 | $52,000 | $109,000 |
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 | 3,413 | $427,637,000 | $125,000 | $10,760,000 | $78,000 | $1,700,000 |
| Application Denied By Financial Institution | 1,448 | $142,079,000 | $98,000 | $3,200,000 | $64,000 | $1,748,000 |
| Application Approved But Not Accepted | 1,282 | $188,444,000 | $146,000 | $1,500,000 | $100,000 | $4,960,000 |
| Application Withdrawn By Applicant | 310 | $51,276,000 | $165,000 | $1,100,000 | $83,000 | $926,000 |
| File Closed For Incompleteness | 84 | $17,466,000 | $207,000 | $1,920,000 | $114,000 | $1,608,000 |
| Preapproval Approved but not Accepted | 31 | $4,052,000 | $130,000 | $330,000 | $58,000 | $144,000 |
| Preapproval Denied by Financial Institution | 6 | $659,000 | $109,000 | $240,000 | $37,000 | $59,000 |
| 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 | 622 | $27,828,000 | $44,000 | $881,000 | $49,000 | $700,000 |
| Collateral | 326 | $41,328,000 | $126,000 | $638,000 | $85,000 | $984,000 |
| Debt-To-Income Ratio | 324 | $51,445,000 | $158,000 | $3,200,000 | $57,000 | $624,000 |
| Other | 117 | $10,986,000 | $93,000 | $1,979,000 | $91,000 | $1,748,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 21 | $4,962,000 | $236,000 | $2,084,000 | $93,000 | $576,000 |
| Credit Application Incomplete | 19 | $2,822,000 | $148,000 | $574,000 | $74,000 | $324,000 |
| Employment History | 13 | $1,247,000 | $95,000 | $255,000 | $48,000 | $96,000 |
| Unverifiable Information | 12 | $2,120,000 | $176,000 | $567,000 | $102,000 | $381,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank's 2008 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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