Citizens Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Citizens Bank 2012 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 | 5,192 |
| Total Mortgage Loan Application Amount | $488,291,000 |
| Average Mortgage Loan Application Amount | $80,000 |
| Highest Mortgage Loan Application Amount | $2,313,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $1,989,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 756 | $ 57,026,000 | $ 75,000 | $ 70,000 |
| Saginaw County Michigan | 401 | $ 31,844,000 | $ 79,000 | $ 72,000 |
| Oakland County Michigan | 360 | $ 51,043,000 | $ 141,000 | $ 116,000 |
| Jackson County Michigan | 263 | $ 19,142,000 | $ 72,000 | $ 59,000 |
| Livingston County Michigan | 228 | $ 27,152,000 | $ 119,000 | $ 94,000 |
| Wayne County Michigan | 215 | $ 15,909,000 | $ 73,000 | $ 72,000 |
| Bay County Michigan | 201 | $ 12,582,000 | $ 62,000 | $ 59,000 |
| Washtenaw County Michigan | 187 | $ 26,411,000 | $ 141,000 | $ 100,000 |
| Midland County Michigan | 132 | $ 18,701,000 | $ 141,000 | $ 103,000 |
| Macomb County Michigan | 106 | $ 13,787,000 | $ 130,000 | $ 85,000 |
| Wexford County Michigan | 102 | $ 6,827,000 | $ 66,000 | $ 60,000 |
| Cuyahoga County Ohio | 92 | $ 3,692,000 | $ 40,000 | $ 59,000 |
| Ingham County Michigan | 91 | $ 11,368,000 | $ 124,000 | $ 93,000 |
| St. Joseph County Michigan | 83 | $ 4,755,000 | $ 57,000 | $ 53,000 |
| Shiawassee County Michigan | 75 | $ 6,070,000 | $ 80,000 | $ 76,000 |
| Clinton County Michigan | 72 | $ 5,066,000 | $ 70,000 | $ 70,000 |
| Brown County Wisconsin | 72 | $ 6,707,000 | $ 93,000 | $ 73,000 |
| Osceola County Michigan | 71 | $ 2,338,000 | $ 32,000 | $ 45,000 |
| Oconto County Wisconsin | 71 | $ 5,543,000 | $ 78,000 | $ 57,000 |
| Arenac County Michigan | 64 | $ 3,814,000 | $ 59,000 | $ 66,000 |
| Otsego County Michigan | 54 | $ 5,387,000 | $ 99,000 | $ 76,000 |
| Tuscola County Michigan | 48 | $ 3,251,000 | $ 67,000 | $ 57,000 |
| Winnebago County Wisconsin | 48 | $ 4,830,000 | $ 100,000 | $ 63,000 |
| Door County Wisconsin | 45 | $ 7,685,000 | $ 170,000 | $ 72,000 |
| Charlevoix County Michigan | 39 | $ 5,919,000 | $ 151,000 | $ 100,000 |
| Vilas County Wisconsin | 39 | $ 5,309,000 | $ 136,000 | $ 110,000 |
| Ogemaw County Michigan | 38 | $ 1,730,000 | $ 45,000 | $ 38,000 |
| Ottawa County Michigan | 38 | $ 2,537,000 | $ 66,000 | $ 92,000 |
| Outagamie County Wisconsin | 37 | $ 4,424,000 | $ 119,000 | $ 81,000 |
| Crawford County Michigan | 36 | $ 5,590,000 | $ 155,000 | $ 116,000 |
| Muskegon County Michigan | 34 | $ 2,097,000 | $ 61,000 | $ 86,000 |
| Missaukee County Michigan | 33 | $ 1,923,000 | $ 58,000 | $ 45,000 |
| Oneida County Wisconsin | 32 | $ 3,920,000 | $ 122,000 | $ 83,000 |
| Walworth County Wisconsin | 31 | $ 2,931,000 | $ 94,000 | $ 76,000 |
| Antrim County Michigan | 30 | $ 3,791,000 | $ 126,000 | $ 94,000 |
| Portage County Wisconsin | 30 | $ 2,538,000 | $ 84,000 | $ 68,000 |
| Grant County Wisconsin | 28 | $ 2,098,000 | $ 74,000 | $ 55,000 |
| Houghton County Michigan | 25 | $ 1,172,000 | $ 46,000 | $ 51,000 |
| Oscoda County Michigan | 25 | $ 1,397,000 | $ 55,000 | $ 51,000 |
| Grand Traverse County Michigan | 23 | $ 2,160,000 | $ 93,000 | $ 118,000 |
| Monroe County Michigan | 23 | $ 2,497,000 | $ 108,000 | $ 79,000 |
| Calumet County Wisconsin | 23 | $ 2,234,000 | $ 97,000 | $ 64,000 |
| Alger County Michigan | 22 | $ 1,272,000 | $ 57,000 | $ 68,000 |
| Lapeer County Michigan | 22 | $ 1,706,000 | $ 77,000 | $ 75,000 |
| Marquette County Michigan | 22 | $ 1,481,000 | $ 67,000 | $ 47,000 |
| Waushara County Wisconsin | 21 | $ 1,597,000 | $ 76,000 | $ 50,000 |
| Gladwin County Michigan | 20 | $ 2,389,000 | $ 119,000 | $ 84,000 |
| Calhoun County Michigan | 19 | $ 1,244,000 | $ 65,000 | $ 47,000 |
| Kent County Michigan | 19 | $ 1,153,000 | $ 60,000 | $ 98,000 |
| Waupaca County Wisconsin | 19 | $ 1,492,000 | $ 78,000 | $ 72,000 |
| Eaton County Michigan | 18 | $ 1,535,000 | $ 85,000 | $ 63,000 |
| Iosco County Michigan | 18 | $ 1,132,000 | $ 62,000 | $ 61,000 |
| Lake County Ohio | 18 | $ 1,574,000 | $ 87,000 | $ 84,000 |
| Alcona County Michigan | 17 | $ 1,401,000 | $ 82,000 | $ 70,000 |
| Alpena County Michigan | 17 | $ 1,525,000 | $ 89,000 | $ 69,000 |
| Leelanau County Michigan | 17 | $ 3,605,000 | $ 212,000 | $ 295,000 |
| Iron County Michigan | 15 | $ 1,072,000 | $ 71,000 | $ 72,000 |
| Kalamazoo County Michigan | 15 | $ 2,112,000 | $ 140,000 | $ 108,000 |
| Jefferson County Wisconsin | 15 | $ 1,361,000 | $ 90,000 | $ 60,000 |
| Geauga County Ohio | 14 | $ 1,393,000 | $ 99,000 | $ 83,000 |
| Allegan County Michigan | 13 | $ 1,460,000 | $ 112,000 | $ 109,000 |
| Clare County Michigan | 13 | $ 1,042,000 | $ 80,000 | $ 51,000 |
| Marinette County Wisconsin | 13 | $ 866,000 | $ 66,000 | $ 57,000 |
| Shawano County Wisconsin | 13 | $ 1,591,000 | $ 122,000 | $ 83,000 |
| Roscommon County Michigan | 12 | $ 1,128,000 | $ 94,000 | $ 95,000 |
| Lincoln County Wisconsin | 12 | $ 903,000 | $ 75,000 | $ 64,000 |
| Gogebic County Michigan | 11 | $ 781,000 | $ 71,000 | $ 50,000 |
| Gratiot County Michigan | 11 | $ 626,000 | $ 56,000 | $ 45,000 |
| Kalkaska County Michigan | 11 | $ 1,261,000 | $ 114,000 | $ 97,000 |
| Crawford County Wisconsin | 11 | $ 1,160,000 | $ 105,000 | $ 55,000 |
| Iron County Wisconsin | 11 | $ 882,000 | $ 80,000 | $ 68,000 |
| Waukesha County Wisconsin | 11 | $ 2,133,000 | $ 193,000 | $ 86,000 |
| Emmet County Michigan | 10 | $ 2,239,000 | $ 223,000 | $ 231,000 |
| Manistee County Michigan | 10 | $ 1,209,000 | $ 120,000 | $ 91,000 |
| Chippewa County Michigan | 9 | $ 690,000 | $ 76,000 | $ 71,000 |
| Lenawee County Michigan | 9 | $ 835,000 | $ 92,000 | $ 52,000 |
| Summit County Ohio | 9 | $ 1,158,000 | $ 128,000 | $ 111,000 |
| Cheboygan County Michigan | 8 | $ 809,000 | $ 101,000 | $ 93,000 |
| Branch County Michigan | 6 | $ 513,000 | $ 85,000 | $ 42,000 |
| Mason County Michigan | 6 | $ 615,000 | $ 102,000 | $ 85,000 |
| Douglas County Wisconsin | 6 | $ 461,000 | $ 76,000 | $ 62,000 |
| Kewaunee County Wisconsin | 6 | $ 393,000 | $ 65,000 | $ 62,000 |
| Manitowoc County Wisconsin | 6 | $ 408,000 | $ 68,000 | $ 57,000 |
| Polk County Wisconsin | 6 | $ 419,000 | $ 69,000 | $ 39,000 |
| Maricopa County Arizona | 5 | $ 686,000 | $ 137,000 | $ 114,000 |
| Baraga County Michigan | 5 | $ 170,000 | $ 34,000 | $ 60,000 |
| Benzie County Michigan | 5 | $ 987,000 | $ 197,000 | $ 87,000 |
| Mecosta County Michigan | 5 | $ 721,000 | $ 144,000 | $ 63,000 |
| Montcalm County Michigan | 5 | $ 503,000 | $ 100,000 | $ 108,000 |
| Montmorency County Michigan | 5 | $ 874,000 | $ 174,000 | $ 162,000 |
| Newaygo County Michigan | 5 | $ 356,000 | $ 71,000 | $ 104,000 |
| Lafayette County Wisconsin | 5 | $ 391,000 | $ 78,000 | $ 66,000 |
| Pinal County Arizona | 4 | $ 559,000 | $ 139,000 | $ 104,000 |
| Ionia County Michigan | 4 | $ 191,000 | $ 47,000 | $ 49,000 |
| Isabella County Michigan | 4 | $ 473,000 | $ 118,000 | $ 60,000 |
| Keweenaw County Michigan | 4 | $ 393,000 | $ 98,000 | $ 65,000 |
| Menominee County Michigan | 4 | $ 179,000 | $ 44,000 | $ 93,000 |
| Presque Isle County Michigan | 4 | $ 324,000 | $ 81,000 | $ 69,000 |
| St. Clair County Michigan | 4 | $ 457,000 | $ 114,000 | $ 82,000 |
| Medina County Ohio | 4 | $ 482,000 | $ 120,000 | $ 67,000 |
| Montgomery County Ohio | 4 | $ 449,000 | $ 112,000 | $ 72,000 |
| Ottawa County Ohio | 4 | $ 477,000 | $ 119,000 | $ 143,000 |
| Green County Wisconsin | 4 | $ 75,000 | $ 18,000 | $ 62,000 |
| Iowa County Wisconsin | 4 | $ 472,000 | $ 118,000 | $ 96,000 |
| Langlade County Wisconsin | 4 | $ 91,000 | $ 22,000 | $ 42,000 |
| Milwaukee County Wisconsin | 4 | $ 275,000 | $ 68,000 | $ 63,000 |
| Brevard County Florida | 3 | $ 927,000 | $ 309,000 | $ 132,000 |
| Monroe County Florida | 3 | $ 3,540,000 | $ 1,180,000 | $ 646,000 |
| Osceola County Florida | 3 | $ 519,000 | $ 173,000 | $ 372,000 |
| Cook County Illinois | 3 | $ 1,777,000 | $ 592,000 | $ 186,000 |
| Barry County Michigan | 3 | $ 512,000 | $ 170,000 | $ 86,000 |
| Cass County Michigan | 3 | $ 197,000 | $ 65,000 | $ 72,000 |
| Dickinson County Michigan | 3 | $ 67,000 | $ 22,000 | $ 35,000 |
| Hillsdale County Michigan | 3 | $ 311,000 | $ 103,000 | $ 124,000 |
| Mackinac County Michigan | 3 | $ 328,000 | $ 109,000 | $ 142,000 |
| Burnett County Wisconsin | 3 | $ 435,000 | $ 145,000 | $ 133,000 |
| St. Croix County Wisconsin | 3 | $ 256,000 | $ 85,000 | $ 32,000 |
| St. Johns County Florida | 2 | $ 475,000 | $ 237,000 | $ 213,000 |
| LaGrange County Indiana | 2 | $ 56,000 | $ 28,000 | $ 53,000 |
| Marion County Indiana | 2 | $ 250,000 | $ 125,000 | $ 58,000 |
| Dubuque County Iowa | 2 | $ 278,000 | $ 139,000 | $ 65,000 |
| Delta County Michigan | 2 | $ 26,000 | $ 13,000 | $ 86,000 |
| Huron County Michigan | 2 | $ 522,000 | $ 261,000 | $ 161,000 |
| Lake County Michigan | 2 | $ 103,000 | $ 51,000 | $ 62,000 |
| Ontonagon County Michigan | 2 | $ 70,000 | $ 35,000 | $ 32,000 |
| Sanilac County Michigan | 2 | $ 61,000 | $ 30,000 | $ 25,000 |
| Schoolcraft County Michigan | 2 | $ 90,000 | $ 45,000 | $ 66,000 |
| St. Louis County Minnesota | 2 | $ 50,000 | $ 25,000 | $ 66,000 |
| Washington County Minnesota | 2 | $ 259,000 | $ 129,000 | $ 147,000 |
| Greene County Ohio | 2 | $ 330,000 | $ 165,000 | $ 166,000 |
| Lorain County Ohio | 2 | $ 219,000 | $ 109,000 | $ 168,000 |
| Lucas County Ohio | 2 | $ 125,000 | $ 62,000 | $ 54,000 |
| Portage County Ohio | 2 | $ 365,000 | $ 182,000 | $ 134,000 |
| Dane County Wisconsin | 2 | $ 226,000 | $ 113,000 | $ 95,000 |
| Ozaukee County Wisconsin | 2 | $ 218,000 | $ 109,000 | $ 105,000 |
| Racine County Wisconsin | 2 | $ 235,000 | $ 117,000 | $ 55,000 |
| Sauk County Wisconsin | 2 | $ 252,000 | $ 126,000 | $ 103,000 |
| Sacramento County California | 1 | $ 200,000 | $ 200,000 | $ 167,000 |
| Gilpin County Colorado | 1 | $ 103,000 | $ 103,000 | $ 55,000 |
| Charlotte County Florida | 1 | $ 123,000 | $ 123,000 | $ 50,000 |
| Lee County Florida | 1 | $ 234,000 | $ 234,000 | $ 144,000 |
| Manatee County Florida | 1 | $ 200,000 | $ 200,000 | $ 365,000 |
| Palm Beach County Florida | 1 | $ 417,000 | $ 417,000 | $ 124,000 |
| Pasco County Florida | 1 | $ 44,000 | $ 44,000 | $ 25,000 |
| Pinellas County Florida | 1 | $ 218,000 | $ 218,000 | $ 250,000 |
| Troup County Georgia | 1 | $ 2,000 | $ 2,000 | $ 82,000 |
| Blaine County Idaho | 1 | $ 281,000 | $ 281,000 | $ 443,000 |
| Elkhart County Indiana | 1 | $ 36,000 | $ 36,000 | $ 81,000 |
| Hamilton County Indiana | 1 | $ 17,000 | $ 17,000 | $ 111,000 |
| Henry County Indiana | 1 | $ 112,000 | $ 112,000 | $ 94,000 |
| Whitley County Indiana | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
| Clayton County Iowa | 1 | $ 61,000 | $ 61,000 | $ 64,000 |
| Tama County Iowa | 1 | $ 73,000 | $ 73,000 | $ 55,000 |
| Cumberland County Maine | 1 | $ 100,000 | $ 100,000 | $ 69,000 |
| Essex County Massachusetts | 1 | $ 111,000 | $ 111,000 | $ 124,000 |
| Middlesex County Massachusetts | 1 | $ 40,000 | $ 40,000 | $ 93,000 |
| Berrien County Michigan | 1 | $ 173,000 | $ 173,000 | $ 137,000 |
| Luce County Michigan | 1 | $ 10,000 | $ 10,000 | $ 43,000 |
| Oceana County Michigan | 1 | $ 79,000 | $ 79,000 | $ 108,000 |
| Morrison County Minnesota | 1 | $ 141,000 | $ 141,000 | $ 45,000 |
| Nye County Nevada | 1 | $ 83,000 | $ 83,000 | $ 45,000 |
| Cape May County New Jersey | 1 | $ 215,000 | $ 215,000 | $ 95,000 |
| Bernalillo County New Mexico | 1 | $ 119,000 | $ 119,000 | $ 50,000 |
| Herkimer County New York | 1 | $ 192,000 | $ 192,000 | $ 72,000 |
| Onondaga County New York | 1 | $ 71,000 | $ 71,000 | $ 34,000 |
| Carteret County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 109,000 |
| Iredell County North Carolina | 1 | $ 261,000 | $ 261,000 | $ 85,000 |
| Fulton County Ohio | 1 | $ 78,000 | $ 78,000 | $ 25,000 |
| Harrison County Ohio | 1 | $ 20,000 | $ 20,000 | $ 16,000 |
| Jefferson County Ohio | 1 | $ 4,000 | $ 4,000 | $ 25,000 |
| Logan County Ohio | 1 | $ 80,000 | $ 80,000 | $ 379,000 |
| Meigs County Ohio | 1 | $ 44,000 | $ 44,000 | $ 93,000 |
| Noble County Ohio | 1 | $ 128,000 | $ 128,000 | $ 231,000 |
| Stark County Ohio | 1 | $ 5,000 | $ 5,000 | $ 15,000 |
| Trumbull County Ohio | 1 | $ 402,000 | $ 402,000 | $ 1,989,000 |
| Tuscarawas County Ohio | 1 | $ 46,000 | $ 46,000 | $ 16,000 |
| Warren County Ohio | 1 | $ 295,000 | $ 295,000 | $ 157,000 |
| Wood County Ohio | 1 | $ 157,000 | $ 157,000 | $ 72,000 |
| Providence County Rhode Island | 1 | $ 93,000 | $ 93,000 | $ 97,000 |
| Beaufort County South Carolina | 1 | $ 300,000 | $ 300,000 | $ 221,000 |
| Horry County South Carolina | 1 | $ 109,000 | $ 109,000 | $ 65,000 |
| Macon County Tennessee | 1 | $ 158,000 | $ 158,000 | $ 105,000 |
| Shelby County Tennessee | 1 | $ 3,000 | $ 3,000 | $ 46,000 |
| Dallas County Texas | 1 | $ 223,000 | $ 223,000 | $ 144,000 |
| Lamoille County Vermont | 1 | $ 90,000 | $ 90,000 | $ 98,000 |
| Clallam County Washington | 1 | $ 70,000 | $ 70,000 | $ 46,000 |
| Thurston County Washington | 1 | $ 93,000 | $ 93,000 | $ 63,000 |
| Barron County Wisconsin | 1 | $ 7,000 | $ 7,000 | $ 36,000 |
| Dodge County Wisconsin | 1 | $ 36,000 | $ 36,000 | $ 78,000 |
| Florence County Wisconsin | 1 | $ 365,000 | $ 365,000 | $ 90,000 |
| Fond du Lac County Wisconsin | 1 | $ 207,000 | $ 207,000 | $ 53,000 |
| Green Lake County Wisconsin | 1 | $ 150,000 | $ 150,000 | $ 956,000 |
| Kenosha County Wisconsin | 1 | $ 6,000 | $ 6,000 | $ 120,000 |
| Monroe County Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 65,000 |
| Price County Wisconsin | 1 | $ 133,000 | $ 133,000 | $ 32,000 |
| Rock County Wisconsin | 1 | $ 213,000 | $ 213,000 | $ 123,000 |
| Washington County Wisconsin | 1 | $ 132,000 | $ 132,000 | $ 40,000 |
| Wood County Wisconsin | 1 | $ 146,000 | $ 146,000 | $ 119,000 |
Mortgage Loan Application Detail Totals for Citizens Bank in 2012
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 | 3,199 | $388,262,000 | $121,000 | $2,313,000 | $90,000 | $1,989,000 |
| Home Improvement | 1,207 | $14,392,000 | $11,000 | $589,000 | $48,000 | $956,000 |
| Home Purchase | 786 | $85,637,000 | $108,000 | $1,400,000 | $81,000 | $1,286,000 |
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 | 3,850 | $356,260,000 | $92,000 | $1,431,000 | $80,000 | $1,989,000 |
| Not Provided | 874 | $109,885,000 | $125,000 | $1,010,000 | $92,000 | $1,179,000 |
| Black or African American | 341 | $10,054,000 | $29,000 | $389,000 | $50,000 | $749,000 |
| Hispanic | 67 | $2,363,000 | $35,000 | $160,000 | $45,000 | $191,000 |
| American Indian or Alaskan Native | 23 | $731,000 | $31,000 | $214,000 | $46,000 | $120,000 |
| Asian | 19 | $1,928,000 | $101,000 | $306,000 | $79,000 | $170,000 |
| Not applicable | 14 | $6,610,000 | $472,000 | $2,313,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 4 | $460,000 | $115,000 | $397,000 | $92,000 | $223,000 |
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) | 4,837 | $453,528,000 | $93,000 | $2,313,000 | $81,000 | $1,989,000 |
| FHA-insured (Federal Housing Administration) | 355 | $34,763,000 | $97,000 | $275,000 | $52,000 | $300,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 2,535 | $238,366,000 | $94,000 | $2,313,000 | $85,000 | $1,989,000 |
| Application Denied By Financial Institution | 1,751 | $137,120,000 | $78,000 | $1,262,000 | $62,000 | $956,000 |
| Application Approved But Not Accepted | 758 | $85,659,000 | $113,000 | $1,400,000 | $90,000 | $840,000 |
| File Closed For Incompleteness | 93 | $21,622,000 | $232,000 | $1,431,000 | $138,000 | $968,000 |
| Application Withdrawn By Applicant | 29 | $3,779,000 | $130,000 | $528,000 | $80,000 | $192,000 |
| Loan Purchased By The Institution | 26 | $1,745,000 | $67,000 | $136,000 | $43,000 | $78,000 |
| 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 Citizens Bank's 2012 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.