Citizens Bank New Hampshire Mortgage Lending & HMDA Data, 2005
In 2005, Citizens Bank New Hampshire of Manchester, NH reported 5,500 mortgage applications totaling $710.8 million, down 26% from 2004. The average application was for $129,234, and applicants reported an average income of $68,047. 55% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Rockingham County-Strafford County, NH (1,669), Manchester-Nashua, NH (1,320) and Portland-South Portland-Biddeford, ME (191) (applications in parentheses).
| Mortgage Company & Address | Citizens Bank New Hampshire 875 Elm Street Manchester, NH 03101 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,500 |
| Total Mortgage Loan Application Amount | $710,792,000 |
| Average Mortgage Loan Application Amount | $129,234 |
| Highest Mortgage Loan Application Amount | $4,675,000 |
| Average Applicant Income | $68,047 |
| Highest Applicant Income | $1,080,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Bank New Hampshire filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Rockingham County-Strafford County, NH | 1,669 | $ 146,191,000 | $ 87,591 | $ 82,000 |
| Manchester-Nashua, NH | 1,320 | $ 107,711,000 | $ 81,599 | $ 80,000 |
| Portland-South Portland-Biddeford, ME | 191 | $ 22,254,000 | $ 116,513 | $ 76,000 |
| Cambridge-Newton-Framingham, MA | 50 | $ 4,493,000 | $ 89,860 | $ 80,000 |
| Los Angeles-Long Beach-Glendale, CA | 47 | $ 27,758,000 | $ 590,595 | $ 0 |
| Essex County, MA | 31 | $ 2,705,000 | $ 87,258 | $ 75,000 |
| Chicago-Naperville-Joliet, IL | 25 | $ 12,859,000 | $ 514,360 | $ 0 |
| Boston-Quincy, MA | 22 | $ 6,023,000 | $ 273,772 | $ 83,000 |
| Santa Ana-Anaheim-Irvine, CA | 20 | $ 12,416,000 | $ 620,800 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 18 | $ 8,854,000 | $ 491,888 | $ 0 |
| Seattle-Bellevue-Everett, WA | 17 | $ 9,548,000 | $ 561,647 | $ 0 |
| Nassau-Suffolk, NY | 16 | $ 8,860,000 | $ 553,750 | $ 0 |
| Dallas-Plano-Irving, TX | 13 | $ 5,629,000 | $ 433,000 | $ 0 |
| New York-Wayne-White Plains, NY-NJ | 13 | $ 6,580,000 | $ 506,153 | $ 0 |
| Bethesda-Frederick-Gaithersburg, MD | 12 | $ 5,857,000 | $ 488,083 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 12 | $ 5,447,000 | $ 453,916 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 11 | $ 6,629,000 | $ 602,636 | $ 0 |
| Baltimore-Towson, MD | 10 | $ 3,563,000 | $ 356,300 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 9 | $ 4,219,000 | $ 468,777 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 9 | $ 4,248,000 | $ 472,000 | $ 161,000 |
| Edison, NJ | 8 | $ 3,517,000 | $ 439,625 | $ 0 |
| Houston-Baytown-Sugar Land, TX | 8 | $ 4,562,000 | $ 570,250 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 8 | $ 3,358,000 | $ 419,750 | $ 0 |
| Oakland-Fremont-Hayward, CA | 8 | $ 4,159,000 | $ 519,875 | $ 0 |
| Denver-Aurora, CO | 7 | $ 2,835,000 | $ 405,000 | $ 0 |
| Warren-Farmington Hills-Troy, MI | 7 | $ 3,393,000 | $ 484,714 | $ 0 |
| Newark-Union, NJ-PA | 6 | $ 2,834,000 | $ 472,333 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 6 | $ 2,882,000 | $ 480,333 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 3,439,000 | $ 573,166 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 1,943,000 | $ 323,833 | $ 8,000 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 2,773,000 | $ 554,600 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 5 | $ 2,999,000 | $ 599,800 | $ 0 |
| Philadelphia, PA | 5 | $ 2,483,000 | $ 496,600 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 5 | $ 2,855,000 | $ 571,000 | $ 0 |
| Barnstable Town, MA | 4 | $ 940,000 | $ 235,000 | $ 122,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 1,876,000 | $ 469,000 | $ 0 |
| Kansas City, MO-KS | 4 | $ 2,624,000 | $ 656,000 | $ 0 |
| Knoxville, TN | 4 | $ 2,499,000 | $ 624,750 | $ 0 |
| Portland-Vancouver-Beaverton, OR-WA | 4 | $ 1,715,000 | $ 428,750 | $ 0 |
| Tacoma, WA | 4 | $ 983,000 | $ 245,750 | $ 0 |
| Tucson, AZ | 4 | $ 2,472,000 | $ 618,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 2,457,000 | $ 614,250 | $ 0 |
| Worcester, MA | 4 | $ 261,000 | $ 65,250 | $ 118,000 |
| Indianapolis, IN | 3 | $ 1,357,000 | $ 452,333 | $ 0 |
| Las Vegas-Paradise, NV | 3 | $ 1,587,000 | $ 529,000 | $ 0 |
| McAllen-Edinburg-Pharr, TX | 3 | $ 1,422,000 | $ 474,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 1,990,000 | $ 663,333 | $ 0 |
| Naples-Marco Island, FL | 3 | $ 1,220,000 | $ 406,666 | $ 102,000 |
| Nashville-Davidson--Murfreesboro, TN | 3 | $ 1,500,000 | $ 500,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 2,400,000 | $ 800,000 | $ 0 |
| Pittsburgh, PA | 3 | $ 1,300,000 | $ 433,333 | $ 30,000 |
| Santa Fe, NM | 3 | $ 1,885,000 | $ 628,333 | $ 0 |
| St. Louis, MO-IL | 3 | $ 1,527,000 | $ 509,000 | $ 0 |
| Tyler, TX | 3 | $ 1,381,000 | $ 460,333 | $ 0 |
| Albuquerque, NM | 2 | $ 780,000 | $ 390,000 | $ 0 |
| Ann Arbor, MI | 2 | $ 905,000 | $ 452,500 | $ 0 |
| Athens-Clarke County, GA | 2 | $ 1,048,000 | $ 524,000 | $ 0 |
| Austin-Round Rock, TX | 2 | $ 532,000 | $ 266,000 | $ 0 |
| Bakersfield, CA | 2 | $ 846,000 | $ 423,000 | $ 0 |
| Bellingham, WA | 2 | $ 1,091,000 | $ 545,500 | $ 0 |
| Birmingham-Hoover, AL | 2 | $ 1,356,000 | $ 678,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 2 | $ 920,000 | $ 460,000 | $ 0 |
| Chattanooga, TN-GA | 2 | $ 1,473,000 | $ 736,500 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 1,234,000 | $ 617,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 638,000 | $ 319,000 | $ 19,000 |
| Jackson, MS | 2 | $ 941,000 | $ 470,500 | $ 0 |
| Kingston, NY | 2 | $ 703,000 | $ 351,500 | $ 0 |
| Lake County-Kenosha County, IL-WI | 2 | $ 887,000 | $ 443,500 | $ 0 |
| New Haven-Milford, CT | 2 | $ 1,014,000 | $ 507,000 | $ 0 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 808,000 | $ 404,000 | $ 0 |
| Norwich-New London, CT | 2 | $ 234,000 | $ 117,000 | $ 50,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 797,000 | $ 398,500 | $ 0 |
| Salinas, CA | 2 | $ 1,734,000 | $ 867,000 | $ 0 |
| San Antonio, TX | 2 | $ 798,000 | $ 399,000 | $ 0 |
| Santa Rosa-Petaluma, CA | 2 | $ 813,000 | $ 406,500 | $ 0 |
| Spokane, WA | 2 | $ 806,000 | $ 403,000 | $ 0 |
| Trenton-Ewing, NJ | 2 | $ 983,000 | $ 491,500 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 927,000 | $ 463,500 | $ 0 |
| Wilmington, DE-MD-NJ | 2 | $ 825,000 | $ 412,500 | $ 0 |
| Baton Rouge, LA | 1 | $ 430,000 | $ 430,000 | $ 0 |
| Bend, OR | 1 | $ 470,000 | $ 470,000 | $ 0 |
| Billings, MT | 1 | $ 440,000 | $ 440,000 | $ 0 |
| Bloomington, IN | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Boise City-Nampa, ID | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Boulder, CO | 1 | $ 634,000 | $ 634,000 | $ 0 |
| Bowling Green, KY | 1 | $ 828,000 | $ 828,000 | $ 0 |
| Burlington-South Burlington, VT | 1 | $ 155,000 | $ 155,000 | $ 31,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 993,000 | $ 993,000 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 792,000 | $ 792,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 222,000 | $ 222,000 | $ 0 |
| Colorado Springs, CO | 1 | $ 406,000 | $ 406,000 | $ 0 |
| Dayton, OH | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 363,000 | $ 363,000 | $ 0 |
| Des Moines, IA | 1 | $ 473,000 | $ 473,000 | $ 0 |
| Erie, PA | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 384,000 | $ 384,000 | $ 0 |
| Flint, MI | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Fort Collins-Loveland, CO | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 781,000 | $ 781,000 | $ 0 |
| Fresno, CA | 1 | $ 432,000 | $ 432,000 | $ 0 |
| Gainesville, FL | 1 | $ 528,000 | $ 528,000 | $ 0 |
| Gainesville, GA | 1 | $ 641,000 | $ 641,000 | $ 0 |
| Greeley, CO | 1 | $ 376,000 | $ 376,000 | $ 0 |
| Honolulu, HI | 1 | $ 390,000 | $ 390,000 | $ 0 |
| Huntsville, AL | 1 | $ 680,000 | $ 680,000 | $ 0 |
| Iowa City, IA | 1 | $ 544,000 | $ 544,000 | $ 0 |
| Jacksonville, FL | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Jacksonville, NC | 1 | $ 538,000 | $ 538,000 | $ 0 |
| Kalamazoo-Portage, MI | 1 | $ 475,000 | $ 475,000 | $ 0 |
| La Crosse, WI-MN | 1 | $ 554,000 | $ 554,000 | $ 0 |
| Lafayette, LA | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Lake Charles, LA | 1 | $ 377,000 | $ 377,000 | $ 0 |
| Lakeland, FL | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Lancaster, PA | 1 | $ 15,000 | $ 15,000 | $ 112,000 |
| Lebanon, PA | 1 | $ 30,000 | $ 30,000 | $ 70,000 |
| Little Rock-North Little Rock, AR | 1 | $ 476,000 | $ 476,000 | $ 0 |
| Louisville, KY-IN | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Madison, WI | 1 | $ 592,000 | $ 592,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 519,000 | $ 519,000 | $ 0 |
| Ocala, FL | 1 | $ 596,000 | $ 596,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Orlando, FL | 1 | $ 468,000 | $ 468,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 383,000 | $ 383,000 | $ 0 |
| Raleigh-Cary, NC | 1 | $ 542,000 | $ 542,000 | $ 0 |
| Reading, PA | 1 | $ 429,000 | $ 429,000 | $ 0 |
| Reno-Sparks, NV | 1 | $ 389,000 | $ 389,000 | $ 0 |
| Richmond, VA | 1 | $ 390,000 | $ 390,000 | $ 0 |
| Roanoke, VA | 1 | $ 384,000 | $ 384,000 | $ 0 |
| Salem, OR | 1 | $ 396,000 | $ 396,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 515,000 | $ 515,000 | $ 0 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 648,000 | $ 648,000 | $ 0 |
| Springfield, IL | 1 | $ 660,000 | $ 660,000 | $ 0 |
| Springfield, MA | 1 | $ 449,000 | $ 449,000 | $ 0 |
| Springfield, MO | 1 | $ 946,000 | $ 946,000 | $ 0 |
| Stockton, CA | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Toledo, OH | 1 | $ 457,000 | $ 457,000 | $ 0 |
| Vallejo-Fairfield, CA | 1 | $ 399,000 | $ 399,000 | $ 0 |
| Wilmington, NC | 1 | $ 367,000 | $ 367,000 | $ 0 |
| Yuba City, CA | 1 | $ 551,000 | $ 551,000 | $ 0 |
Mortgage Loan Application Detail Totals for Citizens Bank New Hampshire in 2005
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 | 2,588 | $438,344,000 | $461,488 | $1,900,000 | $9,555 | $1,080,000 |
| Home Improvement | 2,332 | $117,116,000 | $52,285 | $650,000 | $71,571 | $720,000 |
| Home Purchase | 580 | $155,332,000 | $462,078 | $4,675,000 | $12,868 | $980,000 |
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 | 4,421 | $363,181,000 | $86,875 | $1,900,000 | $87,750 | $1,080,000 |
| Not applicable | 573 | $310,319,000 | $532,978 | $4,675,000 | $0 | $0 |
| Not Provided | 327 | $22,055,000 | $58,333 | $634,000 | $135,500 | $780,000 |
| Asian | 67 | $6,765,000 | $113,333 | $425,000 | $90,333 | $315,000 |
| Hispanic | 59 | $5,038,000 | $121,000 | $500,000 | $155,500 | $598,000 |
| American Indian or Alaskan Native | 22 | $1,356,000 | $147,500 | $242,000 | $97,500 | $275,000 |
| Black or African American | 18 | $1,448,000 | $54,000 | $235,000 | $70,500 | $100,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $630,000 | $48,000 | $94,000 | $65,000 | $97,000 |
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) | 5,500 | $710,792,000 | $451,638 | $4,675,000 | $9,361 | $1,080,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 3,021 | $215,545,000 | $53,000 | $2,415,000 | $84,714 | $980,000 |
| Application Denied By Financial Institution | 1,273 | $108,697,000 | $88,833 | $2,500,000 | $63,500 | $580,000 |
| Loan Purchased By The Institution | 841 | $338,402,000 | $475,553 | $1,900,000 | $8,127 | $1,080,000 |
| Application Approved But Not Accepted | 356 | $32,606,000 | $78,000 | $595,000 | $163,000 | $780,000 |
| Application Withdrawn By Applicant | 9 | $15,542,000 | $1,562,000 | $4,675,000 | $35,000 | $325,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 495 | $35,650,000 | $54,800 | $650,000 | $58,000 | $350,000 |
| Debt-To-Income Ratio | 435 | $38,235,000 | $93,666 | $2,500,000 | $54,666 | $382,000 |
| Collateral | 215 | $23,631,000 | $136,500 | $642,000 | $102,250 | $580,000 |
| Other | 85 | $6,903,000 | $91,750 | $350,000 | $91,500 | $219,000 |
| Unverifiable Information | 32 | $2,774,000 | $106,000 | $300,000 | $71,000 | $172,000 |
| Credit Application Incomplete | 10 | $1,289,000 | $128,000 | $325,000 | $126,000 | $384,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $215,000 | $215,000 | $215,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank New Hampshire's 2005 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 New Hampshire'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 New Hampshire, download the full spreadsheet
with aggregated HMDA statistics today.
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