Citizens Bank of Connecticut Mortgage Lending & HMDA Data, 2005
In 2005, Citizens Bank of Connecticut of New London, CT reported 2,809 mortgage applications totaling $546.8 million, up 3% from 2004. The average application was for $194,666, and applicants reported an average income of $59,700. 44% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Norwich-New London, CT (674), New Haven-Milford, CT (646) and Hartford-West Hartford-East Hartford, CT (644) (applications in parentheses).
| Mortgage Company & Address | Citizens Bank of Connecticut 63 Eugene O'neill Drive New London, CT 06320 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,809 |
| Total Mortgage Loan Application Amount | $546,817,000 |
| Average Mortgage Loan Application Amount | $194,666 |
| Highest Mortgage Loan Application Amount | $32,000,000 |
| Average Applicant Income | $59,700 |
| Highest Applicant Income | $1,404,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Bank of Connecticut filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Norwich-New London, CT | 674 | $ 92,551,000 | $ 137,316 | $ 70,000 |
| New Haven-Milford, CT | 646 | $ 55,953,000 | $ 86,614 | $ 73,000 |
| Hartford-West Hartford-East Hartford, CT | 644 | $ 86,474,000 | $ 134,276 | $ 78,000 |
| Bridgeport-Stamford-Norwalk, CT | 73 | $ 12,667,000 | $ 173,520 | $ 121,000 |
| Los Angeles-Long Beach-Glendale, CA | 37 | $ 21,498,000 | $ 581,027 | $ 0 |
| Chicago-Naperville-Joliet, IL | 27 | $ 12,624,000 | $ 467,555 | $ 0 |
| Oakland-Fremont-Hayward, CA | 23 | $ 11,087,000 | $ 482,043 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 21 | $ 3,051,000 | $ 145,285 | $ 98,000 |
| New York-Wayne-White Plains, NY-NJ | 20 | $ 8,457,000 | $ 422,850 | $ 3,000 |
| San Diego-Carlsbad-San Marcos, CA | 17 | $ 7,699,000 | $ 452,882 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 16 | $ 9,301,000 | $ 581,312 | $ 0 |
| Santa Ana-Anaheim-Irvine, CA | 15 | $ 8,677,000 | $ 578,466 | $ 0 |
| Warren-Farmington Hills-Troy, MI | 13 | $ 5,290,000 | $ 406,923 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 12 | $ 6,884,000 | $ 573,666 | $ 0 |
| Seattle-Bellevue-Everett, WA | 12 | $ 6,214,000 | $ 517,833 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 11 | $ 4,926,000 | $ 447,818 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 11 | $ 6,578,000 | $ 598,000 | $ 0 |
| Houston-Baytown-Sugar Land, TX | 10 | $ 5,310,000 | $ 531,000 | $ 0 |
| Baltimore-Towson, MD | 9 | $ 4,508,000 | $ 500,888 | $ 0 |
| Bethesda-Frederick-Gaithersburg, MD | 9 | $ 4,332,000 | $ 481,333 | $ 0 |
| Nassau-Suffolk, NY | 9 | $ 4,205,000 | $ 467,222 | $ 0 |
| Edison, NJ | 8 | $ 3,069,000 | $ 383,625 | $ 0 |
| Erie, PA | 8 | $ 88,000 | $ 11,000 | $ 23,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 8 | $ 3,141,000 | $ 392,625 | $ 0 |
| Columbus, OH | 7 | $ 2,597,000 | $ 371,000 | $ 0 |
| Dallas-Plano-Irving, TX | 7 | $ 2,760,000 | $ 394,285 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 2,844,000 | $ 406,285 | $ 0 |
| San Antonio, TX | 7 | $ 2,888,000 | $ 412,571 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 2,695,000 | $ 449,166 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 6 | $ 2,631,000 | $ 438,500 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 3,079,000 | $ 513,166 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 2,611,000 | $ 435,166 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 6 | $ 2,973,000 | $ 495,500 | $ 0 |
| Boston-Quincy, MA | 5 | $ 2,224,000 | $ 444,800 | $ 10,000 |
| Denver-Aurora, CO | 5 | $ 2,331,000 | $ 466,200 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 5 | $ 1,903,000 | $ 380,600 | $ 0 |
| Lake County-Kenosha County, IL-WI | 5 | $ 2,275,000 | $ 455,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 1,481,000 | $ 296,200 | $ 0 |
| Orlando, FL | 5 | $ 2,115,000 | $ 423,000 | $ 0 |
| Philadelphia, PA | 5 | $ 2,019,000 | $ 403,800 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 2,314,000 | $ 462,800 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5 | $ 3,078,000 | $ 615,600 | $ 0 |
| Barnstable Town, MA | 4 | $ 469,000 | $ 117,250 | $ 128,000 |
| Birmingham-Hoover, AL | 4 | $ 1,300,000 | $ 325,000 | $ 0 |
| Buffalo-Niagara Falls, NY | 4 | $ 111,000 | $ 27,750 | $ 42,000 |
| Fort Worth-Arlington, TX | 4 | $ 1,246,000 | $ 311,500 | $ 0 |
| Las Vegas-Paradise, NV | 4 | $ 1,734,000 | $ 433,500 | $ 0 |
| Manchester-Nashua, NH | 4 | $ 1,013,000 | $ 253,250 | $ 28,000 |
| Raleigh-Cary, NC | 4 | $ 1,999,000 | $ 499,750 | $ 0 |
| Richmond, VA | 4 | $ 1,480,000 | $ 370,000 | $ 0 |
| Salinas, CA | 4 | $ 1,782,000 | $ 445,500 | $ 0 |
| St. Louis, MO-IL | 4 | $ 2,476,000 | $ 619,000 | $ 0 |
| Bakersfield, CA | 3 | $ 602,000 | $ 200,666 | $ 0 |
| Boulder, CO | 3 | $ 1,213,000 | $ 404,333 | $ 0 |
| Charlotte-Gastonia-Concord, NC-SC | 3 | $ 1,656,000 | $ 552,000 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 3 | $ 1,640,000 | $ 546,666 | $ 0 |
| Colorado Springs, CO | 3 | $ 923,000 | $ 307,666 | $ 0 |
| Des Moines, IA | 3 | $ 1,095,000 | $ 365,000 | $ 0 |
| Greenville, SC | 3 | $ 2,388,000 | $ 796,000 | $ 0 |
| Indianapolis, IN | 3 | $ 960,000 | $ 320,000 | $ 27,000 |
| Ocean City, NJ | 3 | $ 1,683,000 | $ 561,000 | $ 0 |
| Portland-Vancouver-Beaverton, OR-WA | 3 | $ 1,032,000 | $ 344,000 | $ 0 |
| Santa Barbara-Santa Maria-Goleta, CA | 3 | $ 1,313,000 | $ 437,666 | $ 0 |
| York-Hanover, PA | 3 | $ 627,000 | $ 209,000 | $ 32,000 |
| Akron, OH | 2 | $ 903,000 | $ 451,500 | $ 0 |
| Ann Arbor, MI | 2 | $ 1,208,000 | $ 604,000 | $ 0 |
| Austin-Round Rock, TX | 2 | $ 949,000 | $ 474,500 | $ 0 |
| Camden, NJ | 2 | $ 920,000 | $ 460,000 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 1,233,000 | $ 616,500 | $ 0 |
| Essex County, MA | 2 | $ 1,149,000 | $ 574,500 | $ 0 |
| Fresno, CA | 2 | $ 716,000 | $ 358,000 | $ 0 |
| Gainesville, GA | 2 | $ 1,358,000 | $ 679,000 | $ 0 |
| Kalamazoo-Portage, MI | 2 | $ 648,000 | $ 324,000 | $ 0 |
| Lexington-Fayette, KY | 2 | $ 1,410,000 | $ 705,000 | $ 0 |
| Louisville, KY-IN | 2 | $ 928,000 | $ 464,000 | $ 0 |
| Memphis, TN-MS-AR | 2 | $ 797,000 | $ 398,500 | $ 0 |
| Merced, CA | 2 | $ 919,000 | $ 459,500 | $ 0 |
| Montgomery, AL | 2 | $ 840,000 | $ 420,000 | $ 0 |
| Nashville-Davidson--Murfreesboro, TN | 2 | $ 996,000 | $ 498,000 | $ 0 |
| Portland-South Portland-Biddeford, ME | 2 | $ 996,000 | $ 498,000 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 2 | $ 1,139,000 | $ 569,500 | $ 0 |
| Saginaw-Saginaw Township North, MI | 2 | $ 1,285,000 | $ 642,500 | $ 0 |
| Salt Lake City, UT | 2 | $ 779,000 | $ 389,500 | $ 0 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,133,000 | $ 566,500 | $ 0 |
| Spokane, WA | 2 | $ 1,098,000 | $ 549,000 | $ 0 |
| Springfield, MA | 2 | $ 97,000 | $ 48,500 | $ 44,000 |
| St. Joseph, MO-KS | 2 | $ 457,000 | $ 228,500 | $ 0 |
| Tucson, AZ | 2 | $ 1,249,000 | $ 624,500 | $ 0 |
| Wilmington, DE-MD-NJ | 2 | $ 639,000 | $ 319,500 | $ 0 |
| Albuquerque, NM | 1 | $ 392,000 | $ 392,000 | $ 0 |
| Anderson, SC | 1 | $ 443,000 | $ 443,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 380,000 | $ 380,000 | $ 0 |
| Auburn-Opelika, AL | 1 | $ 606,000 | $ 606,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Binghamton, NY | 1 | $ 5,000 | $ 5,000 | $ 19,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 452,000 | $ 452,000 | $ 0 |
| Bloomington, IN | 1 | $ 512,000 | $ 512,000 | $ 0 |
| Boise City-Nampa, ID | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Brownsville-Harlingen, TX | 1 | $ 203,000 | $ 203,000 | $ 0 |
| Brunswick, GA | 1 | $ 380,000 | $ 380,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Carson City, NV | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Champaign-Urbana, IL | 1 | $ 815,000 | $ 815,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 709,000 | $ 709,000 | $ 0 |
| Columbia, SC | 1 | $ 526,000 | $ 526,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 532,000 | $ 532,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 542,000 | $ 542,000 | $ 0 |
| Duluth, MN-WI | 1 | $ 636,000 | $ 636,000 | $ 0 |
| Durham, NC | 1 | $ 591,000 | $ 591,000 | $ 0 |
| Elizabethtown, KY | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Elkhart-Goshen, IN | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Elmira, NY | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 468,000 | $ 468,000 | $ 0 |
| Flagstaff, AZ | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Flint, MI | 1 | $ 390,000 | $ 390,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 40,000 | $ 40,000 | $ 76,000 |
| Gainesville, FL | 1 | $ 392,000 | $ 392,000 | $ 0 |
| Grand Junction, CO | 1 | $ 229,000 | $ 229,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Great Falls, MT | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 394,000 | $ 394,000 | $ 0 |
| Holland-Grand Haven, MI | 1 | $ 511,000 | $ 511,000 | $ 0 |
| Huntsville, AL | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Jacksonville, FL | 1 | $ 516,000 | $ 516,000 | $ 0 |
| Jacksonville, NC | 1 | $ 409,000 | $ 409,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Lansing-East Lansing, MI | 1 | $ 532,000 | $ 532,000 | $ 0 |
| Lawton, OK | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Little Rock-North Little Rock, AR | 1 | $ 514,000 | $ 514,000 | $ 0 |
| Madison, WI | 1 | $ 473,000 | $ 473,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 441,000 | $ 441,000 | $ 0 |
| Monroe, MI | 1 | $ 179,000 | $ 179,000 | $ 0 |
| Naples-Marco Island, FL | 1 | $ 399,000 | $ 399,000 | $ 0 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Newark-Union, NJ-PA | 1 | $ 274,000 | $ 274,000 | $ 0 |
| Ocala, FL | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 477,000 | $ 477,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 267,000 | $ 267,000 | $ 0 |
| Peoria, IL | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 1,000 | $ 1,000 | $ 13,000 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 960,000 | $ 960,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 492,000 | $ 492,000 | $ 0 |
| Pueblo, CO | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Reno-Sparks, NV | 1 | $ 420,000 | $ 420,000 | $ 0 |
| Rochester, NY | 1 | $ 520,000 | $ 520,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 421,000 | $ 421,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Springfield, MO | 1 | $ 600,000 | $ 600,000 | $ 0 |
| St. George, UT | 1 | $ 423,000 | $ 423,000 | $ 0 |
| Tacoma, WA | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Toledo, OH | 1 | $ 484,000 | $ 484,000 | $ 0 |
| Vallejo-Fairfield, CA | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Wenatchee, WA | 1 | $ 477,000 | $ 477,000 | $ 0 |
| Wichita, KS | 1 | $ 448,000 | $ 448,000 | $ 0 |
| Williamsport, PA | 1 | $ 250,000 | $ 250,000 | $ 75,000 |
| Wilmington, NC | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Winchester, VA-WV | 1 | $ 551,000 | $ 551,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 278,000 | $ 278,000 | $ 0 |
| Yakima, WA | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 949,000 | $ 949,000 | $ 0 |
| Yuma, AZ | 1 | $ 102,000 | $ 102,000 | $ 0 |
Mortgage Loan Application Detail Totals for Citizens Bank of Connecticut 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 | 1,433 | $350,470,000 | $366,545 | $32,000,000 | $6,022 | $1,404,000 |
| Home Improvement | 1,023 | $58,893,000 | $101,666 | $10,000,000 | $72,111 | $881,000 |
| Home Purchase | 353 | $137,454,000 | $473,000 | $26,600,000 | $11,578 | $781,000 |
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 | 1,613 | $142,064,000 | $92,222 | $10,000,000 | $105,000 | $1,404,000 |
| Not applicable | 646 | $366,842,000 | $461,930 | $32,000,000 | $0 | $0 |
| Not Provided | 228 | $16,912,000 | $29,000 | $600,000 | $97,000 | $843,000 |
| Hispanic | 129 | $6,341,000 | $157,666 | $620,000 | $65,666 | $532,000 |
| Black or African American | 103 | $5,618,000 | $47,000 | $231,000 | $73,000 | $420,000 |
| Asian | 69 | $6,942,000 | $51,500 | $325,000 | $56,500 | $213,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $1,196,000 | $57,000 | $370,000 | $58,500 | $148,000 |
| American Indian or Alaskan Native | 9 | $902,000 | $100,000 | $318,000 | $116,000 | $384,000 |
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) | 2,809 | $546,817,000 | $376,727 | $32,000,000 | $10,750 | $1,404,000 |
| 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 | 1,239 | $104,395,000 | $59,888 | $6,000,000 | $102,555 | $1,404,000 |
| Loan Purchased By The Institution | 736 | $308,806,000 | $411,534 | $1,246,000 | $2,255 | $781,000 |
| Application Denied By Financial Institution | 646 | $43,964,000 | $77,714 | $1,200,000 | $56,571 | $720,000 |
| Application Approved But Not Accepted | 174 | $14,999,000 | $84,500 | $335,000 | $67,000 | $881,000 |
| Application Withdrawn By Applicant | 14 | $74,653,000 | $2,907,500 | $32,000,000 | $64,500 | $150,000 |
| 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 | 304 | $16,629,000 | $80,857 | $480,000 | $56,714 | $720,000 |
| Debt-To-Income Ratio | 183 | $12,897,000 | $91,000 | $1,200,000 | $45,750 | $370,000 |
| Collateral | 76 | $8,516,000 | $100,250 | $620,000 | $86,250 | $701,000 |
| Other | 53 | $3,730,000 | $27,333 | $323,000 | $32,333 | $217,000 |
| Unverifiable Information | 24 | $1,785,000 | $74,000 | $313,000 | $86,000 | $420,000 |
| Credit Application Incomplete | 5 | $402,000 | $80,000 | $158,000 | $100,000 | $213,000 |
| Employment History | 1 | $5,000 | $5,000 | $5,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank of Connecticut'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 of Connecticut'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 Connecticut, download the full spreadsheet
with aggregated HMDA statistics today.
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