Citizens Bank Mortgage Lending & HMDA Data, 2018
In 2018, Citizens Bank of Mukwonago, WI reported 410 mortgage applications totaling $81.0 million, down 15% from 2017. The average application was for $197,658, and applicants reported an average income of $103,563. 54% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (199), Racine, WI (31) and Lake County-Kenosha County, IL-WI (3) (applications in parentheses).
| Mortgage Company & Address | Citizens Bank 301 N Rochester St Po Box 223 Mukwonago, WI 53149 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 410 |
| Total Mortgage Loan Application Amount | $81,040,000 |
| Average Mortgage Loan Application Amount | $197,658 |
| Highest Mortgage Loan Application Amount | $4,545,000 |
| Average Applicant Income | $103,563 |
| Highest Applicant Income | $960,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Milwaukee-Waukesha-West Allis, WI | 199 | $ 39,075,000 | $ 196,356 | $ 108,000 |
| Outside any metro area | 82 | $ 14,260,000 | $ 173,902 | $ 102,207 |
| Racine, WI | 31 | $ 7,645,000 | $ 246,612 | $ 117,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 695,000 | $ 231,666 | $ 69,000 |
| Green Bay, WI | 2 | $ 330,000 | $ 165,000 | $ 295,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 195,000 | $ 195,000 | $ 82,000 |
| Appleton, WI | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Boston, MA | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Eau Claire, WI | 1 | $ 185,000 | $ 185,000 | $ 46,000 |
| Fond Du Lac, WI | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| Nassau County-Suffolk County, NY | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Rochester, NY | 1 | $ 75,000 | $ 75,000 | $ 92,000 |
Mortgage Loan Application Detail Totals for Citizens Bank in 2018
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 268 | $59,580,000 | $222,000 | $4,545,000 | $104,000 | $960,000 |
| Cash-out Refinancing | 57 | $10,135,000 | $177,000 | $695,000 | $100,000 | $268,000 |
| Other Purpose | 36 | $2,310,000 | $64,000 | $295,000 | $107,000 | $560,000 |
| Refinancing | 29 | $8,195,000 | $282,000 | $2,245,000 | $113,000 | $259,000 |
| Home Improvement | 20 | $820,000 | $41,000 | $115,000 | $88,000 | $171,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 357 | $65,025,000 | $182,000 | $815,000 | $102,000 | $560,000 |
| Not applicable | 21 | $10,915,000 | $519,000 | $4,545,000 | $0 | $0 |
| Not Provided | 21 | $3,585,000 | $170,000 | $405,000 | $108,000 | $247,000 |
| Hispanic | 5 | $705,000 | $141,000 | $215,000 | $56,000 | $92,000 |
| Black or African American | 3 | $335,000 | $111,000 | $165,000 | $44,000 | $50,000 |
| Asian | 2 | $270,000 | $135,000 | $195,000 | $526,000 | $960,000 |
| American Indian or Alaskan Native | 1 | $205,000 | $205,000 | $205,000 | $150,000 | $150,000 |
| 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) | 410 | $81,040,000 | $197,000 | $4,545,000 | $103,000 | $960,000 |
| 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 | 223 | $41,315,000 | $185,000 | $2,245,000 | $112,000 | $560,000 |
| Preapproval Approved but not Accepted | 60 | $12,130,000 | $202,000 | $455,000 | $82,000 | $178,000 |
| Application Denied By Financial Institution | 54 | $14,540,000 | $269,000 | $4,545,000 | $91,000 | $334,000 |
| Application Approved But Not Accepted | 36 | $5,730,000 | $159,000 | $695,000 | $108,000 | $314,000 |
| Preapproval Denied by Financial Institution | 26 | $5,020,000 | $193,000 | $495,000 | $101,000 | $960,000 |
| Application Withdrawn By Applicant | 8 | $1,760,000 | $220,000 | $545,000 | $112,000 | $177,000 |
| File Closed For Incompleteness | 3 | $545,000 | $181,000 | $295,000 | $96,000 | $180,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 330 | $61,480,000 | $186,000 | $2,245,000 | $106,000 | $560,000 |
| Credit History | 32 | $6,130,000 | $191,000 | $815,000 | $91,000 | $259,000 |
| Debt-To-Income Ratio | 27 | $5,525,000 | $204,000 | $495,000 | $60,000 | $138,000 |
| Other | 9 | $1,365,000 | $151,000 | $295,000 | $229,000 | $960,000 |
| Collateral | 7 | $5,555,000 | $793,000 | $4,545,000 | $133,000 | $334,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $505,000 | $168,000 | $225,000 | $55,000 | $81,000 |
| Credit Application Incomplete | 1 | $45,000 | $45,000 | $45,000 | $56,000 | $56,000 |
| Employment History | 1 | $435,000 | $435,000 | $435,000 | $157,000 | $157,000 |
| Mortgage Insurance Denied | 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 2018 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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with aggregated HMDA statistics today.
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