Citizens Bank of Pennsylvania Mortgage Lending & HMDA Data, 2005

In 2005, Citizens Bank of Pennsylvania of Philadelphia, PA reported 31,169 mortgage applications totaling $1.8 billion, down 22% from 2004. The average application was for $58,856, and applicants reported an average income of $60,931. 40% of its applications resulted in an originated loan and 48% were denied. Its largest markets were Philadelphia, PA (13,579), Pittsburgh, PA (7,650) and Reading, PA (1,644) (applications in parentheses).

Mortgage Company & Address Citizens Bank of Pennsylvania
1701 John F. Kennedy Boulevard
Philadelphia, PA 19103
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 31,169
Total Mortgage Loan Application Amount $1,834,486,000
Average Mortgage Loan Application Amount $58,856
Highest Mortgage Loan Application Amount $22,000,000
Average Applicant Income $60,931
Highest Applicant Income $4,000,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Bank of Pennsylvania filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Citizens Bank of Pennsylvania by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Philadelphia, Pennsylvania 7,651 $ 224,507,000 $ 29,343 $ 58,000
Allegheny, Pennsylvania 4,625 $ 145,493,000 $ 31,457 $ 74,000
Montgomery, Pennsylvania 2,054 $ 165,499,000 $ 80,574 $ 89,000
Delaware, Pennsylvania 1,843 $ 89,642,000 $ 48,639 $ 98,000
Berks, Pennsylvania 1,644 $ 52,090,000 $ 31,684 $ 48,000
Westmoreland, Pennsylvania 1,229 $ 44,394,000 $ 36,122 $ 74,000
Bucks, Pennsylvania 1,222 $ 92,087,000 $ 75,357 $ 97,000
Erie, Pennsylvania 1,114 $ 28,267,000 $ 25,374 $ 39,000
Luzerne, Pennsylvania 965 $ 27,440,000 $ 28,435 $ 52,000
Chester, Pennsylvania 809 $ 65,183,000 $ 80,572 $ 96,000
Washington, Pennsylvania 558 $ 18,812,000 $ 33,713 $ 49,000
Beaver, Pennsylvania 499 $ 20,267,000 $ 40,615 $ 54,000
Butler, Pennsylvania 479 $ 20,904,000 $ 43,640 $ 80,000
Blair, Pennsylvania 468 $ 18,178,000 $ 38,841 $ 50,000
Lancaster, Pennsylvania 410 $ 22,510,000 $ 54,902 $ 62,000
Dauphin, Pennsylvania 394 $ 18,433,000 $ 46,784 $ 60,000
Camden, New Jersey 367 $ 26,060,000 $ 71,008 $ 91,000
York, Pennsylvania 364 $ 20,351,000 $ 55,909 $ 56,000
Monroe, Pennsylvania 315 $ 19,066,000 $ 60,526 $ 80,000
Burlington, New Jersey 274 $ 21,435,000 $ 78,229 $ 85,000
Centre, Pennsylvania 252 $ 13,609,000 $ 54,003 $ 76,000
Mercer, Pennsylvania 239 $ 8,820,000 $ 36,903 $ 56,000
Cumberland, Pennsylvania 235 $ 13,325,000 $ 56,702 $ 69,000
Crawford, Pennsylvania 218 $ 6,969,000 $ 31,967 $ 51,000
Venango, Pennsylvania 209 $ 9,051,000 $ 43,306 $ 55,000
Armstrong, Pennsylvania 203 $ 7,365,000 $ 36,280 $ 44,000
Gloucester, New Jersey 161 $ 11,637,000 $ 72,279 $ 87,000
Pike, Pennsylvania 147 $ 10,579,000 $ 71,965 $ 64,000
Cape May, New Jersey 71 $ 22,265,000 $ 313,591 $ 225,000
Los Angeles, California 64 $ 35,600,000 $ 556,250 $ 0
Carbon, Pennsylvania 64 $ 2,248,000 $ 35,125 $ 41,000
Franklin, Pennsylvania 58 $ 3,677,000 $ 63,396 $ 64,000
Fayette, Pennsylvania 57 $ 1,956,000 $ 34,315 $ 43,000
Lawrence, Pennsylvania 50 $ 2,260,000 $ 45,200 $ 44,000
Lehigh, Pennsylvania 47 $ 3,457,000 $ 73,553 $ 64,000
Lackawanna, Pennsylvania 46 $ 2,365,000 $ 51,413 $ 46,000
New Castle, Delaware 43 $ 3,614,000 $ 84,046 $ 71,000
Bedford, Pennsylvania 41 $ 1,629,000 $ 39,731 $ 50,000
Mifflin, Pennsylvania 40 $ 1,501,000 $ 37,525 $ 43,000
Lebanon, Pennsylvania 39 $ 2,428,000 $ 62,256 $ 88,000
Atlantic, New Jersey 36 $ 4,650,000 $ 129,166 $ 116,000
Cambria, Pennsylvania 33 $ 1,094,000 $ 33,151 $ 48,000
Middlesex, New Jersey 32 $ 4,895,000 $ 152,968 $ 122,000
Bradford, Pennsylvania 27 $ 461,000 $ 17,074 $ 32,000
Huntingdon, Pennsylvania 27 $ 1,371,000 $ 50,777 $ 58,000
Orange, California 26 $ 16,103,000 $ 619,346 $ 0
Schuylkill, Pennsylvania 26 $ 557,000 $ 21,423 $ 38,000
Ocean, New Jersey 25 $ 4,458,000 $ 178,320 $ 96,000
Somerset, Pennsylvania 23 $ 1,377,000 $ 59,869 $ 67,000
Wyoming, Pennsylvania 22 $ 867,000 $ 39,409 $ 103,000
San Diego, California 21 $ 10,546,000 $ 502,190 $ 0
Mercer, New Jersey 21 $ 3,502,000 $ 166,761 $ 123,000
Suffolk, New York 21 $ 12,652,000 $ 602,476 $ 0
Northampton, Pennsylvania 20 $ 1,824,000 $ 91,200 $ 129,000
Miami-Dade, Florida 19 $ 12,353,000 $ 650,157 $ 0
Clarion, Pennsylvania 19 $ 638,000 $ 33,578 $ 43,000
Indiana, Pennsylvania 19 $ 1,077,000 $ 56,684 $ 132,000
Bergen, New Jersey 18 $ 6,574,000 $ 365,222 $ 122,000
Maricopa, Arizona 17 $ 8,684,000 $ 510,823 $ 0
Montgomery, Maryland 17 $ 28,004,000 $ 1,647,294 $ 32,000
Monmouth, New Jersey 17 $ 3,774,000 $ 222,000 $ 55,000
New York, New York 17 $ 9,239,000 $ 543,470 $ 5,000
Santa Clara, California 15 $ 7,922,000 $ 528,133 $ 0
Fairfield, Connecticut 15 $ 9,880,000 $ 658,666 $ 0
Cook, Illinois 15 $ 7,030,000 $ 468,666 $ 0
Perry, Pennsylvania 15 $ 1,108,000 $ 73,866 $ 60,000
Palm Beach, Florida 14 $ 6,863,000 $ 490,214 $ 9,000
Cumberland, New Jersey 13 $ 814,000 $ 62,615 $ 86,000
Clearfield, Pennsylvania 13 $ 478,000 $ 36,769 $ 58,000
Dallas, Texas 13 $ 5,606,000 $ 431,230 $ 0
Sussex, Delaware 12 $ 2,531,000 $ 210,916 $ 57,000
Hunterdon, New Jersey 12 $ 1,856,000 $ 154,666 $ 103,000
Somerset, New Jersey 12 $ 2,411,000 $ 200,916 $ 75,000
Adams, Pennsylvania 12 $ 963,000 $ 80,250 $ 72,000
Columbia, Pennsylvania 12 $ 462,000 $ 38,500 $ 41,000
Fairfax, Virginia 12 $ 5,067,000 $ 422,250 $ 65,000
King, Washington 12 $ 6,458,000 $ 538,166 $ 0
Alameda, California 11 $ 5,012,000 $ 455,636 $ 0
San Mateo, California 11 $ 7,190,000 $ 653,636 $ 0
Queens, New York 11 $ 5,591,000 $ 508,272 $ 0
Wayne, Pennsylvania 11 $ 291,000 $ 26,454 $ 44,000
Riverside, California 10 $ 4,867,000 $ 486,700 $ 0
Ventura, California 10 $ 5,853,000 $ 585,300 $ 0
Oakland, Michigan 10 $ 3,985,000 $ 398,500 $ 0
Essex, New Jersey 10 $ 1,348,000 $ 134,800 $ 130,000
Sussex, New Jersey 10 $ 2,088,000 $ 208,800 $ 65,000
Nassau, New York 10 $ 5,103,000 $ 510,300 $ 0
Greene, Pennsylvania 10 $ 185,000 $ 18,500 $ 72,000
Susquehanna, Pennsylvania 10 $ 638,000 $ 63,800 $ 110,000
Norfolk, Massachusetts 9 $ 4,945,000 $ 549,444 $ 19,000
Hudson, New Jersey 9 $ 1,536,000 $ 170,666 $ 93,000
Chemung, New York 9 $ 96,000 $ 10,666 $ 60,000
Westchester, New York 9 $ 4,669,000 $ 518,777 $ 0
Lycoming, Pennsylvania 9 $ 496,000 $ 55,111 $ 68,000
San Bernardino, California 8 $ 2,630,000 $ 328,750 $ 0
Cecil, Maryland 8 $ 1,791,000 $ 223,875 $ 105,000
Salem, New Jersey 8 $ 872,000 $ 109,000 $ 66,000
Orange, New York 8 $ 74,000 $ 9,250 $ 19,000
Clinton, Pennsylvania 8 $ 346,000 $ 43,250 $ 111,000
Contra Costa, California 7 $ 4,441,000 $ 634,428 $ 0
Kent, Delaware 7 $ 323,000 $ 46,142 $ 88,000
St. Johns, Florida 7 $ 3,431,000 $ 490,142 $ 0
Volusia, Florida 7 $ 3,003,000 $ 429,000 $ 147,000
Baltimore, Maryland 7 $ 854,000 $ 122,000 $ 57,000
Worcester, Maryland 7 $ 1,324,000 $ 189,142 $ 149,000
Middlesex, Massachusetts 7 $ 3,406,000 $ 486,571 $ 25,000
Hennepin, Minnesota 7 $ 3,793,000 $ 541,857 $ 0
Union, New Jersey 7 $ 728,000 $ 104,000 $ 178,000
Forest, Pennsylvania 7 $ 369,000 $ 52,714 $ 25,000
Boulder, Colorado 6 $ 3,505,000 $ 584,166 $ 0
Broward, Florida 6 $ 4,496,000 $ 749,333 $ 0
Sarasota, Florida 6 $ 3,529,000 $ 588,166 $ 118,000
St. Louis, Missouri 6 $ 2,744,000 $ 457,333 $ 0
Warren, New Jersey 6 $ 474,000 $ 79,000 $ 107,000
Tioga, New York 6 $ 14,000 $ 2,333 $ 18,000
Mecklenburg, North Carolina 6 $ 2,565,000 $ 427,500 $ 13,000
Northumberland, Pennsylvania 6 $ 90,000 $ 15,000 $ 44,000
Charleston, South Carolina 6 $ 3,481,000 $ 580,166 $ 0
Williamson, Tennessee 6 $ 2,699,000 $ 449,833 $ 0
Harris, Texas 6 $ 1,499,000 $ 249,833 $ 0
Marin, California 5 $ 3,537,000 $ 707,400 $ 0
Collier, Florida 5 $ 4,508,000 $ 901,600 $ 427,000
Pinellas, Florida 5 $ 2,055,000 $ 411,000 $ 48,000
Hampden, Massachusetts 5 $ 322,000 $ 64,400 $ 123,000
Morris, New Jersey 5 $ 1,385,000 $ 277,000 $ 138,000
Passaic, New Jersey 5 $ 714,000 $ 142,800 $ 73,000
Kings, New York 5 $ 1,619,000 $ 323,800 $ 33,000
Wake, North Carolina 5 $ 2,483,000 $ 496,600 $ 0
Newport, Rhode Island 5 $ 782,000 $ 156,400 $ 38,000
Travis, Texas 5 $ 3,143,000 $ 628,600 $ 0
Summit, Utah 5 $ 2,645,000 $ 529,000 $ 0
Sacramento, California 4 $ 1,936,000 $ 484,000 $ 0
San Francisco, California 4 $ 2,630,000 $ 657,500 $ 0
San Luis Obispo, California 4 $ 2,566,000 $ 641,500 $ 0
Hartford, Connecticut 4 $ 290,000 $ 72,500 $ 94,000
Osceola, Florida 4 $ 1,529,000 $ 382,250 $ 10,000
Fulton, Georgia 4 $ 3,034,000 $ 758,500 $ 0
DuPage, Illinois 4 $ 2,496,000 $ 624,000 $ 0
Lake, Illinois 4 $ 1,806,000 $ 451,500 $ 0
Anne Arundel, Maryland 4 $ 1,643,000 $ 410,750 $ 42,000
Howard, Maryland 4 $ 1,535,000 $ 383,750 $ 31,000
Clark, Nevada 4 $ 1,626,000 $ 406,500 $ 0
Cuyahoga, Ohio 4 $ 1,301,000 $ 325,250 $ 5,000
Trumbull, Ohio 4 $ 165,000 $ 41,250 $ 51,000
Beaufort, South Carolina 4 $ 1,139,000 $ 284,750 $ 7,000
Hamilton, Tennessee 4 $ 1,994,000 $ 498,500 $ 0
Knox, Tennessee 4 $ 1,645,000 $ 411,250 $ 0
Arlington, Virginia 4 $ 1,879,000 $ 469,750 $ 98,000
Virginia Beach, Virginia 4 $ 2,454,000 $ 613,500 $ 0
Pima, Arizona 3 $ 1,807,000 $ 602,333 $ 0
Santa Barbara, California 3 $ 1,252,000 $ 417,333 $ 0
Sonoma, California 3 $ 1,339,000 $ 446,333 $ 0
Brevard, Florida 3 $ 1,165,000 $ 388,333 $ 0
Hillsborough, Florida 3 $ 855,000 $ 285,000 $ 0
Lee, Florida 3 $ 1,734,000 $ 578,000 $ 0
Leon, Florida 3 $ 1,180,000 $ 393,333 $ 0
Manatee, Florida 3 $ 1,005,000 $ 335,000 $ 33,000
Martin, Florida 3 $ 1,381,000 $ 460,333 $ 0
Orange, Florida 3 $ 1,277,000 $ 425,666 $ 74,000
Seminole, Florida 3 $ 1,263,000 $ 421,000 $ 0
Chatham, Georgia 3 $ 1,710,000 $ 570,000 $ 0
Will, Illinois 3 $ 1,179,000 $ 393,000 $ 0
Polk, Iowa 3 $ 1,347,000 $ 449,000 $ 0
Carroll, Maryland 3 $ 506,000 $ 168,666 $ 42,000
Harford, Maryland 3 $ 291,000 $ 97,000 $ 60,000
Prince George's, Maryland 3 $ 393,000 $ 131,000 $ 24,000
Suffolk, Massachusetts 3 $ 565,000 $ 188,333 $ 26,000
Leelanau, Michigan 3 $ 1,366,000 $ 455,333 $ 0
Olmsted, Minnesota 3 $ 1,538,000 $ 512,666 $ 0
Flathead, Montana 3 $ 1,369,000 $ 456,333 $ 0
Washoe, Nevada 3 $ 1,301,000 $ 433,666 $ 0
Erie, New York 3 $ 50,000 $ 16,666 $ 35,000
Dare, North Carolina 3 $ 1,909,000 $ 636,333 $ 0
Ashtabula, Ohio 3 $ 151,000 $ 50,333 $ 64,000
Stark, Ohio 3 $ 1,254,000 $ 418,000 $ 0
Oklahoma, Oklahoma 3 $ 3,146,000 $ 1,048,666 $ 0
McKean, Pennsylvania 3 $ 53,000 $ 17,666 $ 41,000
Union, Pennsylvania 3 $ 179,000 $ 59,666 $ 41,000
Warren, Pennsylvania 3 $ 124,000 $ 41,333 $ 46,000
Providence, Rhode Island 3 $ 60,000 $ 20,000 $ 27,000
Richland, South Carolina 3 $ 972,000 $ 324,000 $ 15,000
Davidson, Tennessee 3 $ 1,493,000 $ 497,666 $ 0
Dane, Wisconsin 3 $ 1,943,000 $ 647,666 $ 0
Ozaukee, Wisconsin 3 $ 1,429,000 $ 476,333 $ 0
Waukesha, Wisconsin 3 $ 1,308,000 $ 436,000 $ 0
Jefferson, Alabama 2 $ 505,000 $ 252,500 $ 0
Montgomery, Alabama 2 $ 1,130,000 $ 565,000 $ 0
Yavapai, Arizona 2 $ 741,000 $ 370,500 $ 0
El Dorado, California 2 $ 969,000 $ 484,500 $ 0
Monterey, California 2 $ 1,237,000 $ 618,500 $ 0
San Joaquin, California 2 $ 1,126,000 $ 563,000 $ 0
Santa Cruz, California 2 $ 1,375,000 $ 687,500 $ 0
Denver, Colorado 2 $ 1,388,000 $ 694,000 $ 0
Douglas, Colorado 2 $ 986,000 $ 493,000 $ 0
Eagle, Colorado 2 $ 1,089,000 $ 544,500 $ 0
Summit, Colorado 2 $ 604,000 $ 302,000 $ 0
New Haven, Connecticut 2 $ 538,000 $ 269,000 $ 0
District of Columbia, District Of Columbia 2 $ 837,000 $ 418,500 $ 0
Escambia, Florida 2 $ 857,000 $ 428,500 $ 0
Flagler, Florida 2 $ 1,025,000 $ 512,500 $ 0
Indian River, Florida 2 $ 1,354,000 $ 677,000 $ 0
Lake, Florida 2 $ 960,000 $ 480,000 $ 0
Nassau, Florida 2 $ 1,139,000 $ 569,500 $ 0
Okaloosa, Florida 2 $ 1,080,000 $ 540,000 $ 0
Cobb, Georgia 2 $ 812,000 $ 406,000 $ 0
Columbia, Georgia 2 $ 1,059,000 $ 529,500 $ 0
Honolulu, Hawaii 2 $ 1,741,000 $ 870,500 $ 0
Maui, Hawaii 2 $ 2,144,000 $ 1,072,000 $ 0
Ada, Idaho 2 $ 1,887,000 $ 943,500 $ 0
Johnson, Kansas 2 $ 1,026,000 $ 513,000 $ 0
Orleans, Louisiana 2 $ 1,240,000 $ 620,000 $ 0
Wicomico, Maryland 2 $ 855,000 $ 427,500 $ 66,000
Barnstable, Massachusetts 2 $ 1,030,000 $ 515,000 $ 0
Bristol, Massachusetts 2 $ 685,000 $ 342,500 $ 32,000
Essex, Massachusetts 2 $ 1,000,000 $ 500,000 $ 48,000
Worcester, Massachusetts 2 $ 448,000 $ 224,000 $ 35,000
Wayne, Michigan 2 $ 1,530,000 $ 765,000 $ 0
Crow Wing, Minnesota 2 $ 1,427,000 $ 713,500 $ 0
Ramsey, Minnesota 2 $ 1,552,000 $ 776,000 $ 0
Washington, Minnesota 2 $ 758,000 $ 379,000 $ 0
Madison, Mississippi 2 $ 841,000 $ 420,500 $ 0
Jackson, Missouri 2 $ 499,000 $ 249,500 $ 0
Douglas, Nebraska 2 $ 1,065,000 $ 532,500 $ 0
Hillsborough, New Hampshire 2 $ 821,000 $ 410,500 $ 0
Bernalillo, New Mexico 2 $ 904,000 $ 452,000 $ 0
Albany, New York 2 $ 102,000 $ 51,000 $ 85,000
Bronx, New York 2 $ 325,000 $ 162,500 $ 45,000
Broome, New York 2 $ 8,000 $ 4,000 $ 23,000
Chautauqua, New York 2 $ 13,000 $ 6,500 $ 20,000
Dutchess, New York 2 $ 1,154,000 $ 577,000 $ 0
Greene, New York 2 $ 70,000 $ 35,000 $ 91,000
Monroe, New York 2 $ 953,000 $ 476,500 $ 0
Richmond, New York 2 $ 1,036,000 $ 518,000 $ 0
Rockland, New York 2 $ 1,374,000 $ 687,000 $ 0
Ulster, New York 2 $ 436,000 $ 218,000 $ 25,000
Carteret, North Carolina 2 $ 1,355,000 $ 677,500 $ 0
Forsyth, North Carolina 2 $ 707,000 $ 353,500 $ 0
Orange, North Carolina 2 $ 1,187,000 $ 593,500 $ 0
Columbiana, Ohio 2 $ 151,000 $ 75,500 $ 45,000
Harrison, Ohio 2 $ 60,000 $ 30,000 $ 71,000
Mahoning, Ohio 2 $ 403,000 $ 201,500 $ 11,000
Portage, Ohio 2 $ 1,527,000 $ 763,500 $ 0
Summit, Ohio 2 $ 151,000 $ 75,500 $ 0
Tulsa, Oklahoma 2 $ 1,195,000 $ 597,500 $ 0
Multnomah, Oregon 2 $ 965,000 $ 482,500 $ 0
Elk, Pennsylvania 2 $ 125,000 $ 62,500 $ 56,000
Jefferson, Pennsylvania 2 $ 46,000 $ 23,000 $ 37,000
Sullivan, Pennsylvania 2 $ 116,000 $ 58,000 $ 107,000
Greenville, South Carolina 2 $ 1,271,000 $ 635,500 $ 0
Collin, Texas 2 $ 915,000 $ 457,500 $ 0
Gillespie, Texas 2 $ 923,000 $ 461,500 $ 0
Llano, Texas 2 $ 1,132,000 $ 566,000 $ 0
Salt Lake, Utah 2 $ 816,000 $ 408,000 $ 0
Windsor, Vermont 2 $ 543,000 $ 271,500 $ 0
Henrico, Virginia 2 $ 1,011,000 $ 505,500 $ 0
Richmond City, Virginia 2 $ 1,344,000 $ 672,000 $ 0
Roanoke City, Virginia 2 $ 765,000 $ 382,500 $ 0
Snohomish, Washington 2 $ 1,114,000 $ 557,000 $ 0
Walworth, Wisconsin 2 $ 1,036,000 $ 518,000 $ 0
Baldwin, Alabama 1 $ 392,000 $ 392,000 $ 0
Mobile, Alabama 1 $ 503,000 $ 503,000 $ 0
Shelby, Alabama 1 $ 149,000 $ 149,000 $ 0
Tuscaloosa, Alabama 1 $ 508,000 $ 508,000 $ 0
Coconino, Arizona 1 $ 397,000 $ 397,000 $ 0
Pinal, Arizona 1 $ 450,000 $ 450,000 $ 0
Washington, Arkansas 1 $ 394,000 $ 394,000 $ 0
Amador, California 1 $ 178,000 $ 178,000 $ 0
Butte, California 1 $ 513,000 $ 513,000 $ 0
Fresno, California 1 $ 495,000 $ 495,000 $ 0
Inyo, California 1 $ 239,000 $ 239,000 $ 0
Napa, California 1 $ 517,000 $ 517,000 $ 0
Nevada, California 1 $ 697,000 $ 697,000 $ 0
Placer, California 1 $ 714,000 $ 714,000 $ 0
Solano, California 1 $ 432,000 $ 432,000 $ 0
Yolo, California 1 $ 571,000 $ 571,000 $ 0
Adams, Colorado 1 $ 155,000 $ 155,000 $ 0
Arapahoe, Colorado 1 $ 495,000 $ 495,000 $ 0
Chaffee, Colorado 1 $ 569,000 $ 569,000 $ 0
Grand, Colorado 1 $ 469,000 $ 469,000 $ 0
Jefferson, Colorado 1 $ 422,000 $ 422,000 $ 0
San Miguel, Colorado 1 $ 143,000 $ 143,000 $ 0
Litchfield, Connecticut 1 $ 418,000 $ 418,000 $ 0
Middlesex, Connecticut 1 $ 782,000 $ 782,000 $ 0
Bay, Florida 1 $ 439,000 $ 439,000 $ 0
Charlotte, Florida 1 $ 608,000 $ 608,000 $ 0
Duval, Florida 1 $ 387,000 $ 387,000 $ 0
Pasco, Florida 1 $ 80,000 $ 80,000 $ 145,000
Putnam, Florida 1 $ 379,000 $ 379,000 $ 0
Bibb, Georgia 1 $ 432,000 $ 432,000 $ 0
Bryan, Georgia 1 $ 679,000 $ 679,000 $ 0
Colquitt, Georgia 1 $ 453,000 $ 453,000 $ 0
DeKalb, Georgia 1 $ 645,000 $ 645,000 $ 0
Henry, Georgia 1 $ 412,000 $ 412,000 $ 0
Lowndes, Georgia 1 $ 392,000 $ 392,000 $ 0
Muscogee, Georgia 1 $ 546,000 $ 546,000 $ 0
Oconee, Georgia 1 $ 364,000 $ 364,000 $ 0
Towns, Georgia 1 $ 559,000 $ 559,000 $ 0
Troup, Georgia 1 $ 593,000 $ 593,000 $ 0
Hawaii, Hawaii 1 $ 1,145,000 $ 1,145,000 $ 0
Kane, Illinois 1 $ 496,000 $ 496,000 $ 0
Madison, Illinois 1 $ 148,000 $ 148,000 $ 0
McHenry, Illinois 1 $ 397,000 $ 397,000 $ 0
Sangamon, Illinois 1 $ 475,000 $ 475,000 $ 0
Allen, Indiana 1 $ 376,000 $ 376,000 $ 0
Hamilton, Indiana 1 $ 387,000 $ 387,000 $ 0
Johnson, Indiana 1 $ 482,000 $ 482,000 $ 0
Marion, Indiana 1 $ 344,000 $ 344,000 $ 0
Porter, Indiana 1 $ 582,000 $ 582,000 $ 0
St. Joseph, Indiana 1 $ 4,000 $ 4,000 $ 19,000
Dallas, Iowa 1 $ 429,000 $ 429,000 $ 0
Scott, Iowa 1 $ 484,000 $ 484,000 $ 0
Cowley, Kansas 1 $ 372,000 $ 372,000 $ 0
Sedgwick, Kansas 1 $ 354,000 $ 354,000 $ 0
Wyandotte, Kansas 1 $ 745,000 $ 745,000 $ 0
Daviess, Kentucky 1 $ 377,000 $ 377,000 $ 0
Jefferson, Kentucky 1 $ 436,000 $ 436,000 $ 0
Warren, Kentucky 1 $ 436,000 $ 436,000 $ 0
Calcasieu, Louisiana 1 $ 382,000 $ 382,000 $ 0
East Baton Rouge, Louisiana 1 $ 340,000 $ 340,000 $ 0
Jefferson, Louisiana 1 $ 150,000 $ 150,000 $ 0
Cumberland, Maine 1 $ 434,000 $ 434,000 $ 0
York, Maine 1 $ 391,000 $ 391,000 $ 0
Baltimore City, Maryland 1 $ 33,000 $ 33,000 $ 69,000
Charles, Maryland 1 $ 439,000 $ 439,000 $ 0
Dorchester, Maryland 1 $ 120,000 $ 120,000 $ 129,000
Frederick, Maryland 1 $ 318,000 $ 318,000 $ 0
St. Mary's, Maryland 1 $ 518,000 $ 518,000 $ 0
Washington, Maryland 1 $ 10,000 $ 10,000 $ 94,000
Dukes, Massachusetts 1 $ 841,000 $ 841,000 $ 0
Nantucket, Massachusetts 1 $ 874,000 $ 874,000 $ 0
Antrim, Michigan 1 $ 565,000 $ 565,000 $ 0
Charlevoix, Michigan 1 $ 977,000 $ 977,000 $ 0
Livingston, Michigan 1 $ 3,000 $ 3,000 $ 19,000
Marquette, Michigan 1 $ 131,000 $ 131,000 $ 0
Cass, Minnesota 1 $ 421,000 $ 421,000 $ 0
Clay, Minnesota 1 $ 75,000 $ 75,000 $ 0
Cook, Minnesota 1 $ 395,000 $ 395,000 $ 0
Dakota, Minnesota 1 $ 396,000 $ 396,000 $ 0
Mower, Minnesota 1 $ 68,000 $ 68,000 $ 0
Wright, Minnesota 1 $ 451,000 $ 451,000 $ 0
Hancock, Mississippi 1 $ 500,000 $ 500,000 $ 0
Lamar, Mississippi 1 $ 456,000 $ 456,000 $ 0
Lauderdale, Mississippi 1 $ 458,000 $ 458,000 $ 0
Cape Girardeau, Missouri 1 $ 591,000 $ 591,000 $ 0
St. Charles, Missouri 1 $ 445,000 $ 445,000 $ 0
Missoula, Montana 1 $ 641,000 $ 641,000 $ 0
Lancaster, Nebraska 1 $ 530,000 $ 530,000 $ 0
Carroll, New Hampshire 1 $ 30,000 $ 30,000 $ 120,000
Coos, New Hampshire 1 $ 75,000 $ 75,000 $ 49,000
Merrimack, New Hampshire 1 $ 82,000 $ 82,000 $ 0
Cibola, New Mexico 1 $ 2,000 $ 2,000 $ 24,000
Colfax, New Mexico 1 $ 525,000 $ 525,000 $ 0
Lincoln, New Mexico 1 $ 416,000 $ 416,000 $ 0
San Juan, New Mexico 1 $ 474,000 $ 474,000 $ 0
Santa Fe, New Mexico 1 $ 582,000 $ 582,000 $ 0
Cattaraugus, New York 1 $ 59,000 $ 59,000 $ 44,000
Delaware, New York 1 $ 120,000 $ 120,000 $ 59,000
Franklin, New York 1 $ 79,000 $ 79,000 $ 88,000
Fulton, New York 1 $ 30,000 $ 30,000 $ 55,000
Oneida, New York 1 $ 40,000 $ 40,000 $ 67,000
Onondaga, New York 1 $ 1,000 $ 1,000 $ 3,000
Ontario, New York 1 $ 105,000 $ 105,000 $ 70,000
Oswego, New York 1 $ 43,000 $ 43,000 $ 59,000
Schuyler, New York 1 $ 1,000 $ 1,000 $ 16,000
Sullivan, New York 1 $ 6,000 $ 6,000 $ 18,000
Tompkins, New York 1 $ 14,000 $ 14,000 $ 48,000
Wyoming, New York 1 $ 128,000 $ 128,000 $ 135,000
Davidson, North Carolina 1 $ 462,000 $ 462,000 $ 0
Durham, North Carolina 1 $ 570,000 $ 570,000 $ 0
Gaston, North Carolina 1 $ 455,000 $ 455,000 $ 0
Guilford, North Carolina 1 $ 458,000 $ 458,000 $ 0
New Hanover, North Carolina 1 $ 379,000 $ 379,000 $ 0
Union, North Carolina 1 $ 666,000 $ 666,000 $ 0
Clermont, Ohio 1 $ 461,000 $ 461,000 $ 0
Franklin, Ohio 1 $ 5,000 $ 5,000 $ 12,000
Geauga, Ohio 1 $ 1,069,000 $ 1,069,000 $ 0
Hancock, Ohio 1 $ 470,000 $ 470,000 $ 0
Jefferson, Ohio 1 $ 10,000 $ 10,000 $ 39,000
Lucas, Ohio 1 $ 405,000 $ 405,000 $ 0
Warren, Ohio 1 $ 454,000 $ 454,000 $ 0
Cleveland, Oklahoma 1 $ 12,000 $ 12,000 $ 50,000
Payne, Oklahoma 1 $ 409,000 $ 409,000 $ 0
Wagoner, Oklahoma 1 $ 394,000 $ 394,000 $ 0
Deschutes, Oregon 1 $ 501,000 $ 501,000 $ 0
Lincoln, Oregon 1 $ 687,000 $ 687,000 $ 0
Marion, Oregon 1 $ 514,000 $ 514,000 $ 0
Washington, Oregon 1 $ 395,000 $ 395,000 $ 0
Juniata, Pennsylvania 1 $ 81,000 $ 81,000 $ 17,000
Montour, Pennsylvania 1 $ 50,000 $ 50,000 $ 71,000
Tioga, Pennsylvania 1 $ 10,000 $ 10,000 $ 56,000
Bristol, Rhode Island 1 $ 104,000 $ 104,000 $ 300,000
Georgetown, South Carolina 1 $ 542,000 $ 542,000 $ 0
York, South Carolina 1 $ 429,000 $ 429,000 $ 0
Union, South Dakota 1 $ 391,000 $ 391,000 $ 0
Jefferson, Tennessee 1 $ 314,000 $ 314,000 $ 0
Shelby, Tennessee 1 $ 384,000 $ 384,000 $ 0
Washington, Tennessee 1 $ 508,000 $ 508,000 $ 0
Brazos, Texas 1 $ 383,000 $ 383,000 $ 0
Cameron, Texas 1 $ 805,000 $ 805,000 $ 0
Comal, Texas 1 $ 248,000 $ 248,000 $ 0
Denton, Texas 1 $ 432,000 $ 432,000 $ 0
Fort Bend, Texas 1 $ 134,000 $ 134,000 $ 0
Montgomery, Texas 1 $ 101,000 $ 101,000 $ 0
Tarrant, Texas 1 $ 415,000 $ 415,000 $ 0
Washington, Utah 1 $ 356,000 $ 356,000 $ 0
Weber, Utah 1 $ 838,000 $ 838,000 $ 0
Windham, Vermont 1 $ 25,000 $ 25,000 $ 78,000
Chesterfield, Virginia 1 $ 422,000 $ 422,000 $ 0
Fauquier, Virginia 1 $ 464,000 $ 464,000 $ 0
Franklin, Virginia 1 $ 448,000 $ 448,000 $ 0
Goochland, Virginia 1 $ 499,000 $ 499,000 $ 0
James City, Virginia 1 $ 357,000 $ 357,000 $ 0
Loudoun, Virginia 1 $ 452,000 $ 452,000 $ 0
Lynchburg, Virginia 1 $ 562,000 $ 562,000 $ 0
New Kent, Virginia 1 $ 421,000 $ 421,000 $ 0
Norfolk, Virginia 1 $ 664,000 $ 664,000 $ 0
Spotsylvania, Virginia 1 $ 419,000 $ 419,000 $ 0
Williamsburg, Virginia 1 $ 348,000 $ 348,000 $ 0
York, Virginia 1 $ 399,000 $ 399,000 $ 0
Skagit, Washington 1 $ 442,000 $ 442,000 $ 0
Spokane, Washington 1 $ 440,000 $ 440,000 $ 0
Whatcom, Washington 1 $ 593,000 $ 593,000 $ 0
Brooke, West Virginia 1 $ 4,000 $ 4,000 $ 58,000
Eau Claire, Wisconsin 1 $ 407,000 $ 407,000 $ 0
Fond du Lac, Wisconsin 1 $ 529,000 $ 529,000 $ 0
Kenosha, Wisconsin 1 $ 631,000 $ 631,000 $ 0
La Crosse, Wisconsin 1 $ 582,000 $ 582,000 $ 0
Marinette, Wisconsin 1 $ 398,000 $ 398,000 $ 0
Milwaukee, Wisconsin 1 $ 524,000 $ 524,000 $ 0
Outagamie, Wisconsin 1 $ 567,000 $ 567,000 $ 0
Washburn, Wisconsin 1 $ 65,000 $ 65,000 $ 0
Teton, Wyoming 1 $ 875,000 $ 875,000 $ 0

Mortgage Loan Application Detail Totals for Citizens Bank of Pennsylvania 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
Home Improvement 20,112 $415,003,000 $23,058 $5,300,000 $52,647 $4,000,000
Refinancing 9,253 $1,038,098,000 $424,733 $2,925,000 $16,200 $3,907,000
Home Purchase 1,804 $381,385,000 $539,902 $22,000,000 $11,341 $2,956,000

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 19,578 $961,623,000 $89,882 $2,500,000 $93,588 $3,907,000
Black or African American 5,489 $96,680,000 $26,100 $1,600,000 $39,300 $1,560,000
Not Provided 2,240 $121,084,000 $50,000 $2,925,000 $71,900 $4,000,000
Hispanic 1,724 $46,762,000 $71,666 $556,000 $56,000 $584,000
Not applicable 985 $538,203,000 $526,812 $22,000,000 $500 $540,000
Asian 890 $59,805,000 $150,333 $1,480,000 $117,000 $801,000
Native Hawaiian or Other Pacific Islander 146 $5,189,000 $71,500 $321,000 $117,000 $305,000
American Indian or Alaskan Native 117 $5,140,000 $54,000 $497,000 $76,500 $250,000

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) 31,169 $1,834,486,000 $442,306 $22,000,000 $15,040 $4,000,000
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
Application Denied By Financial Institution 14,968 $415,433,000 $48,555 $2,500,000 $61,388 $4,000,000
Loan Originated 12,511 $647,887,000 $59,000 $1,525,000 $90,300 $1,571,000
Application Approved But Not Accepted 1,899 $121,710,000 $72,375 $2,925,000 $122,500 $1,802,000
Loan Purchased By The Institution 1,738 $618,793,000 $498,333 $2,500,000 $4,562 $2,956,000
Application Withdrawn By Applicant 53 $30,663,000 $7,483,000 $22,000,000 $65,666 $360,000
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 8,730 $161,835,000 $32,923 $500,000 $44,538 $4,000,000
Debt-To-Income Ratio 3,359 $120,995,000 $72,111 $1,600,000 $49,777 $789,000
Other 1,063 $28,726,000 $22,857 $550,000 $63,142 $1,204,000
Collateral 883 $84,620,000 $82,900 $1,000,000 $154,200 $3,000,000
Unverifiable Information 775 $12,660,000 $78,142 $1,000,000 $46,714 $902,000
Credit Application Incomplete 84 $6,006,000 $66,000 $2,500,000 $129,000 $3,907,000
Employment History 74 $591,000 $7,000 $125,000 $16,000 $114,000
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 Pennsylvania'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 Pennsylvania'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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