Citizens Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Citizens Bank 2004 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 130 S Broad Street New Tazewell, TN 37825 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 675 |
| Total Mortgage Loan Application Amount | $64,673,000 |
| Average Mortgage Loan Application Amount | $94,521 |
| Highest Mortgage Loan Application Amount | $1,475,000 |
| Average Applicant Income | $47,521 |
| Highest Applicant Income | $254,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Claiborne County Tennessee | 86 | $ 5,849,000 | $ 68,000 | $ 41,000 |
| Hamblen County Tennessee | 67 | $ 6,287,000 | $ 93,000 | $ 51,000 |
| Knox County Tennessee | 44 | $ 4,402,000 | $ 100,000 | $ 44,000 |
| Grainger County Tennessee | 33 | $ 2,119,000 | $ 64,000 | $ 46,000 |
| Washington County Tennessee | 25 | $ 2,171,000 | $ 86,000 | $ 34,000 |
| Sullivan County Tennessee | 21 | $ 1,923,000 | $ 91,000 | $ 33,000 |
| Sevier County Tennessee | 18 | $ 1,956,000 | $ 108,000 | $ 54,000 |
| Greenville County South Carolina | 15 | $ 1,314,000 | $ 87,000 | $ 48,000 |
| Carter County Tennessee | 14 | $ 1,896,000 | $ 135,000 | $ 20,000 |
| Union County Tennessee | 14 | $ 1,603,000 | $ 114,000 | $ 35,000 |
| Hamilton County Tennessee | 13 | $ 1,182,000 | $ 90,000 | $ 47,000 |
| Laurel County Kentucky | 11 | $ 1,054,000 | $ 95,000 | $ 42,000 |
| Hawkins County Tennessee | 9 | $ 568,000 | $ 63,000 | $ 56,000 |
| Knox County Kentucky | 8 | $ 857,000 | $ 107,000 | $ 61,000 |
| Bell County Kentucky | 7 | $ 447,000 | $ 63,000 | $ 53,000 |
| Blount County Tennessee | 7 | $ 657,000 | $ 93,000 | $ 31,000 |
| Greene County Tennessee | 7 | $ 513,000 | $ 73,000 | $ 29,000 |
| Buncombe County North Carolina | 6 | $ 935,000 | $ 155,000 | $ 63,000 |
| Perry County Kentucky | 5 | $ 388,000 | $ 77,000 | $ 39,000 |
| Haywood County North Carolina | 5 | $ 379,000 | $ 75,000 | $ 21,000 |
| Wake County North Carolina | 5 | $ 849,000 | $ 169,000 | $ 64,000 |
| Catoosa County Georgia | 4 | $ 465,000 | $ 116,000 | $ 60,000 |
| Walker County Georgia | 4 | $ 372,000 | $ 93,000 | $ 21,000 |
| Pulaski County Kentucky | 4 | $ 349,000 | $ 87,000 | $ 44,000 |
| Davidson County North Carolina | 4 | $ 481,000 | $ 120,000 | $ 57,000 |
| Spartanburg County South Carolina | 4 | $ 539,000 | $ 134,000 | $ 53,000 |
| Anderson County Tennessee | 4 | $ 358,000 | $ 89,000 | $ 43,000 |
| Bradley County Tennessee | 4 | $ 452,000 | $ 113,000 | $ 29,000 |
| Davidson County Tennessee | 4 | $ 455,000 | $ 113,000 | $ 52,000 |
| Jefferson County Alabama | 3 | $ 354,000 | $ 118,000 | $ 58,000 |
| Marion County Indiana | 3 | $ 222,000 | $ 74,000 | $ 52,000 |
| McCreary County Kentucky | 3 | $ 259,000 | $ 86,000 | $ 26,000 |
| Whitley County Kentucky | 3 | $ 182,000 | $ 60,000 | $ 13,000 |
| Alamance County North Carolina | 3 | $ 265,000 | $ 88,000 | $ 53,000 |
| Guilford County North Carolina | 3 | $ 247,000 | $ 82,000 | $ 48,000 |
| Onslow County North Carolina | 3 | $ 342,000 | $ 114,000 | $ 42,000 |
| Randolph County North Carolina | 3 | $ 239,000 | $ 79,000 | $ 66,000 |
| Aiken County South Carolina | 3 | $ 327,000 | $ 109,000 | $ 85,000 |
| Pickens County South Carolina | 3 | $ 291,000 | $ 97,000 | $ 39,000 |
| Hancock County Tennessee | 3 | $ 388,000 | $ 129,000 | $ 42,000 |
| Jefferson County Tennessee | 3 | $ 505,000 | $ 168,000 | $ 74,000 |
| Loudon County Tennessee | 3 | $ 258,000 | $ 86,000 | $ 52,000 |
| Roane County Tennessee | 3 | $ 272,000 | $ 90,000 | $ 37,000 |
| Robertson County Tennessee | 3 | $ 574,000 | $ 191,000 | $ 56,000 |
| Shelby County Tennessee | 3 | $ 332,000 | $ 110,000 | $ 38,000 |
| Roanoke City County Virginia | 3 | $ 231,000 | $ 77,000 | $ 29,000 |
| Washington County Virginia | 3 | $ 230,000 | $ 76,000 | $ 27,000 |
| Madison County Alabama | 2 | $ 169,000 | $ 84,000 | $ 71,000 |
| New Haven County Connecticut | 2 | $ 233,000 | $ 116,000 | $ 41,000 |
| DeKalb County Georgia | 2 | $ 193,000 | $ 96,000 | $ 55,000 |
| Floyd County Georgia | 2 | $ 162,000 | $ 81,000 | $ 41,000 |
| Forsyth County Georgia | 2 | $ 225,000 | $ 112,000 | $ 160,000 |
| Fulton County Georgia | 2 | $ 100,000 | $ 50,000 | $ 49,000 |
| Whitfield County Georgia | 2 | $ 284,000 | $ 142,000 | $ 56,000 |
| Breathitt County Kentucky | 2 | $ 88,000 | $ 44,000 | $ 24,000 |
| Brunswick County North Carolina | 2 | $ 178,000 | $ 89,000 | $ 36,000 |
| Cabarrus County North Carolina | 2 | $ 173,000 | $ 86,000 | $ 36,000 |
| Granville County North Carolina | 2 | $ 202,000 | $ 101,000 | $ 51,000 |
| Lincoln County North Carolina | 2 | $ 172,000 | $ 86,000 | $ 37,000 |
| Barnwell County South Carolina | 2 | $ 109,000 | $ 54,000 | $ 23,000 |
| Cherokee County South Carolina | 2 | $ 211,000 | $ 105,000 | $ 31,000 |
| Dorchester County South Carolina | 2 | $ 127,000 | $ 63,000 | $ 41,000 |
| Florence County South Carolina | 2 | $ 147,000 | $ 73,000 | $ 44,000 |
| Greenwood County South Carolina | 2 | $ 193,000 | $ 96,000 | $ 28,000 |
| Horry County South Carolina | 2 | $ 151,000 | $ 75,000 | $ 42,000 |
| Kershaw County South Carolina | 2 | $ 108,000 | $ 54,000 | $ 58,000 |
| Lexington County South Carolina | 2 | $ 117,000 | $ 58,000 | $ 48,000 |
| Oconee County South Carolina | 2 | $ 259,000 | $ 129,000 | $ 96,000 |
| Sumter County South Carolina | 2 | $ 149,000 | $ 74,000 | $ 48,000 |
| York County South Carolina | 2 | $ 290,000 | $ 145,000 | $ 35,000 |
| Cocke County Tennessee | 2 | $ 139,000 | $ 69,000 | $ 31,000 |
| Johnson County Tennessee | 2 | $ 200,000 | $ 100,000 | $ 25,000 |
| Marion County Tennessee | 2 | $ 101,000 | $ 50,000 | $ 34,000 |
| McMinn County Tennessee | 2 | $ 96,000 | $ 48,000 | $ 38,000 |
| Montgomery County Tennessee | 2 | $ 201,000 | $ 100,000 | $ 70,000 |
| Rutherford County Tennessee | 2 | $ 281,000 | $ 140,000 | $ 66,000 |
| Unicoi County Tennessee | 2 | $ 168,000 | $ 84,000 | $ 37,000 |
| Henrico County Virginia | 2 | $ 231,000 | $ 115,000 | $ 54,000 |
| Lee County Virginia | 2 | $ 70,000 | $ 35,000 | $ 33,000 |
| New Kent County Virginia | 2 | $ 354,000 | $ 177,000 | $ 71,000 |
| Virginia Beach County Virginia | 2 | $ 126,000 | $ 63,000 | $ 77,000 |
| Autauga County Alabama | 1 | $ 33,000 | $ 33,000 | $ 44,000 |
| Jackson County Alabama | 1 | $ 170,000 | $ 170,000 | $ 66,000 |
| Lauderdale County Alabama | 1 | $ 66,000 | $ 66,000 | $ 60,000 |
| Limestone County Alabama | 1 | $ 56,000 | $ 56,000 | $ 43,000 |
| Mobile County Alabama | 1 | $ 110,000 | $ 110,000 | $ 39,000 |
| Shelby County Alabama | 1 | $ 194,000 | $ 194,000 | $ 121,000 |
| Litchfield County Connecticut | 1 | $ 45,000 | $ 45,000 | $ 21,000 |
| Carroll County Georgia | 1 | $ 150,000 | $ 150,000 | $ 26,000 |
| Chatham County Georgia | 1 | $ 80,000 | $ 80,000 | $ 24,000 |
| Cherokee County Georgia | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Dougherty County Georgia | 1 | $ 160,000 | $ 160,000 | $ 34,000 |
| Douglas County Georgia | 1 | $ 102,000 | $ 102,000 | $ 26,000 |
| Effingham County Georgia | 1 | $ 123,000 | $ 123,000 | $ 50,000 |
| Fayette County Georgia | 1 | $ 205,000 | $ 205,000 | $ 82,000 |
| Gwinnett County Georgia | 1 | $ 45,000 | $ 45,000 | $ 30,000 |
| Jones County Georgia | 1 | $ 60,000 | $ 60,000 | $ 20,000 |
| Spalding County Georgia | 1 | $ 30,000 | $ 30,000 | $ 52,000 |
| Cook County Illinois | 1 | $ 45,000 | $ 45,000 | $ 37,000 |
| Hamilton County Indiana | 1 | $ 71,000 | $ 71,000 | $ 49,000 |
| Daviess County Kentucky | 1 | $ 90,000 | $ 90,000 | $ 21,000 |
| Graves County Kentucky | 1 | $ 54,000 | $ 54,000 | $ 25,000 |
| Greenup County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 48,000 |
| Harlan County Kentucky | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Jackson County Kentucky | 1 | $ 106,000 | $ 106,000 | $ 56,000 |
| Jefferson County Kentucky | 1 | $ 97,000 | $ 97,000 | $ 30,000 |
| McCracken County Kentucky | 1 | $ 57,000 | $ 57,000 | $ 13,000 |
| Powell County Kentucky | 1 | $ 28,000 | $ 28,000 | $ 79,000 |
| Wayne County Kentucky | 1 | $ 120,000 | $ 120,000 | $ 85,000 |
| Oakland County Michigan | 1 | $ 176,000 | $ 176,000 | $ 87,000 |
| Ottawa County Michigan | 1 | $ 99,000 | $ 99,000 | $ 45,000 |
| Wayne County Michigan | 1 | $ 62,000 | $ 62,000 | $ 49,000 |
| George County Mississippi | 1 | $ 47,000 | $ 47,000 | $ 45,000 |
| Ashe County North Carolina | 1 | $ 71,000 | $ 71,000 | $ 72,000 |
| Carteret County North Carolina | 1 | $ 70,000 | $ 70,000 | $ 44,000 |
| Cherokee County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 38,000 |
| Cleveland County North Carolina | 1 | $ 198,000 | $ 198,000 | $ 108,000 |
| Davie County North Carolina | 1 | $ 214,000 | $ 214,000 | $ 65,000 |
| Duplin County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 30,000 |
| Durham County North Carolina | 1 | $ 146,000 | $ 146,000 | $ 40,000 |
| Franklin County North Carolina | 1 | $ 86,000 | $ 86,000 | $ 32,000 |
| Gaston County North Carolina | 1 | $ 136,000 | $ 136,000 | $ 104,000 |
| Harnett County North Carolina | 1 | $ 120,000 | $ 120,000 | $ 48,000 |
| Hertford County North Carolina | 1 | $ 86,000 | $ 86,000 | $ 27,000 |
| Iredell County North Carolina | 1 | $ 157,000 | $ 157,000 | $ 96,000 |
| Johnston County North Carolina | 1 | $ 106,000 | $ 106,000 | $ 44,000 |
| Lee County North Carolina | 1 | $ 59,000 | $ 59,000 | $ 35,000 |
| Macon County North Carolina | 1 | $ 132,000 | $ 132,000 | $ 46,000 |
| Madison County North Carolina | 1 | $ 120,000 | $ 120,000 | $ 85,000 |
| Mecklenburg County North Carolina | 1 | $ 86,000 | $ 86,000 | $ 42,000 |
| New Hanover County North Carolina | 1 | $ 96,000 | $ 96,000 | $ 27,000 |
| Orange County North Carolina | 1 | $ 77,000 | $ 77,000 | $ 53,000 |
| Pender County North Carolina | 1 | $ 60,000 | $ 60,000 | $ 35,000 |
| Rockingham County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 51,000 |
| Rutherford County North Carolina | 1 | $ 136,000 | $ 136,000 | $ 27,000 |
| Stanly County North Carolina | 1 | $ 27,000 | $ 27,000 | $ 29,000 |
| Swain County North Carolina | 1 | $ 102,000 | $ 102,000 | $ 44,000 |
| Transylvania County North Carolina | 1 | $ 109,000 | $ 109,000 | $ 143,000 |
| Wilkes County North Carolina | 1 | $ 63,000 | $ 63,000 | $ 40,000 |
| Abbeville County South Carolina | 1 | $ 132,000 | $ 132,000 | $ 60,000 |
| Anderson County South Carolina | 1 | $ 94,000 | $ 94,000 | $ 64,000 |
| Beaufort County South Carolina | 1 | $ 850,000 | $ 850,000 | $ 110,000 |
| Charleston County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 26,000 |
| Chesterfield County South Carolina | 1 | $ 86,000 | $ 86,000 | $ 33,000 |
| Clarendon County South Carolina | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Georgetown County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 73,000 |
| Laurens County South Carolina | 1 | $ 210,000 | $ 210,000 | $ 148,000 |
| Marion County South Carolina | 1 | $ 72,000 | $ 72,000 | $ 26,000 |
| Orangeburg County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Richland County South Carolina | 1 | $ 68,000 | $ 68,000 | $ 45,000 |
| Benton County Tennessee | 1 | $ 68,000 | $ 68,000 | $ 23,000 |
| Campbell County Tennessee | 1 | $ 1,475,000 | $ 1,475,000 | $ 0 |
| Coffee County Tennessee | 1 | $ 82,000 | $ 82,000 | $ 54,000 |
| Dickson County Tennessee | 1 | $ 200,000 | $ 200,000 | $ 83,000 |
| Dyer County Tennessee | 1 | $ 69,000 | $ 69,000 | $ 54,000 |
| Giles County Tennessee | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Hardin County Tennessee | 1 | $ 102,000 | $ 102,000 | $ 35,000 |
| Haywood County Tennessee | 1 | $ 61,000 | $ 61,000 | $ 40,000 |
| Henderson County Tennessee | 1 | $ 91,000 | $ 91,000 | $ 53,000 |
| Henry County Tennessee | 1 | $ 54,000 | $ 54,000 | $ 19,000 |
| Lewis County Tennessee | 1 | $ 40,000 | $ 40,000 | $ 35,000 |
| Macon County Tennessee | 1 | $ 44,000 | $ 44,000 | $ 24,000 |
| Morgan County Tennessee | 1 | $ 212,000 | $ 212,000 | $ 78,000 |
| Scott County Tennessee | 1 | $ 40,000 | $ 40,000 | $ 51,000 |
| Tipton County Tennessee | 1 | $ 119,000 | $ 119,000 | $ 65,000 |
| Warren County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 59,000 |
| White County Tennessee | 1 | $ 56,000 | $ 56,000 | $ 35,000 |
| Williamson County Tennessee | 1 | $ 214,000 | $ 214,000 | $ 119,000 |
| Albemarle County Virginia | 1 | $ 148,000 | $ 148,000 | $ 26,000 |
| Chesapeake County Virginia | 1 | $ 148,000 | $ 148,000 | $ 63,000 |
| Chesterfield County Virginia | 1 | $ 116,000 | $ 116,000 | $ 30,000 |
| Culpeper County Virginia | 1 | $ 164,000 | $ 164,000 | $ 60,000 |
| Dinwiddie County Virginia | 1 | $ 30,000 | $ 30,000 | $ 49,000 |
| Greene County Virginia | 1 | $ 196,000 | $ 196,000 | $ 65,000 |
| Hampton County Virginia | 1 | $ 134,000 | $ 134,000 | $ 46,000 |
| Isle of Wight County Virginia | 1 | $ 185,000 | $ 185,000 | $ 91,000 |
| Prince William County Virginia | 1 | $ 175,000 | $ 175,000 | $ 47,000 |
| Pulaski County Virginia | 1 | $ 81,000 | $ 81,000 | $ 31,000 |
| Russell County Virginia | 1 | $ 67,000 | $ 67,000 | $ 26,000 |
| Southampton County Virginia | 1 | $ 40,000 | $ 40,000 | $ 9,000 |
| Wise County Virginia | 1 | $ 93,000 | $ 93,000 | $ 59,000 |
| Kanawha County West Virginia | 1 | $ 194,000 | $ 194,000 | $ 49,000 |
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 | 491 | $47,234,000 | $89,250 | $1,207,000 | $46,833 | $243,000 |
| Home Purchase | 182 | $17,305,000 | $107,666 | $1,475,000 | $50,111 | $254,000 |
| Home Improvement | 2 | $134,000 | $67,000 | $122,000 | $40,000 | $50,000 |
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 | 429 | $42,894,000 | $106,666 | $1,475,000 | $48,333 | $254,000 |
| Not Provided | 187 | $15,611,000 | $72,777 | $280,000 | $42,444 | $162,000 |
| Black or African American | 50 | $4,841,000 | $101,625 | $180,000 | $50,375 | $160,000 |
| Hispanic | 5 | $617,000 | $123,000 | $185,000 | $57,000 | $91,000 |
| Not applicable | 2 | $542,000 | $271,000 | $315,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $66,000 | $66,000 | $66,000 | $34,000 | $34,000 |
| Asian | 1 | $102,000 | $102,000 | $102,000 | $29,000 | $29,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 675 | $64,673,000 | $97,230 | $1,475,000 | $47,307 | $254,000 |
| 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 | 355 | $34,377,000 | $86,727 | $1,475,000 | $45,454 | $254,000 |
| Application Denied By Financial Institution | 199 | $18,600,000 | $110,181 | $1,207,000 | $53,454 | $162,000 |
| Application Withdrawn By Applicant | 113 | $10,829,000 | $101,888 | $850,000 | $47,333 | $116,000 |
| Application Approved But Not Accepted | 8 | $867,000 | $101,000 | $209,000 | $52,500 | $90,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Other | 74 | $6,153,000 | $94,142 | $198,000 | $57,857 | $162,000 |
| Collateral | 40 | $4,951,000 | $94,142 | $1,207,000 | $40,142 | $148,000 |
| Credit Application Incomplete | 35 | $3,142,000 | $97,285 | $192,000 | $67,714 | $160,000 |
| Credit History | 25 | $2,402,000 | $121,625 | $195,000 | $43,250 | $87,000 |
| Debt-To-Income Ratio | 16 | $1,277,000 | $98,666 | $216,000 | $42,000 | $130,000 |
| Unverifiable Information | 4 | $278,000 | $71,000 | $98,000 | $32,333 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $287,000 | $95,666 | $133,000 | $32,333 | $42,000 |
| Employment History | 2 | $110,000 | $55,000 | $80,000 | $86,000 | $148,000 |
| 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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