Citizens Bank of Pennsylvania Mortgage Lending & HMDA Data, 2006

In 2006, Citizens Bank of Pennsylvania of Philadelphia, PA reported 45,127 mortgage applications totaling $2.6 billion, up 45% from 2005. The average application was for $56,769, and applicants reported an average income of $47,481. 34% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Philadelphia, PA (14,154), Pittsburgh, PA (7,600) and Reading, PA (1,360) (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 45,127
Total Mortgage Loan Application Amount $2,561,856,000
Average Mortgage Loan Application Amount $56,769
Highest Mortgage Loan Application Amount $4,900,000
Average Applicant Income $47,481
Highest Applicant Income $6,280,000

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records Citizens Bank of Pennsylvania filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2006

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Philadelphia, Pennsylvania 6,881 $ 261,914,000 $ 38,063 $ 48,000
Allegheny, Pennsylvania 4,381 $ 157,029,000 $ 35,843 $ 64,000
Montgomery, Pennsylvania 2,434 $ 182,360,000 $ 74,921 $ 102,000
Delaware, Pennsylvania 2,016 $ 114,561,000 $ 56,825 $ 80,000
Bucks, Pennsylvania 1,723 $ 132,106,000 $ 76,672 $ 99,000
Berks, Pennsylvania 1,360 $ 56,359,000 $ 41,440 $ 57,000
Westmoreland, Pennsylvania 1,215 $ 51,986,000 $ 42,786 $ 61,000
Chester, Pennsylvania 1,100 $ 91,742,000 $ 83,401 $ 116,000
Erie, Pennsylvania 815 $ 24,466,000 $ 30,019 $ 55,000
Luzerne, Pennsylvania 795 $ 29,382,000 $ 36,958 $ 58,000
Washington, Pennsylvania 707 $ 27,643,000 $ 39,099 $ 60,000
Camden, New Jersey 572 $ 40,554,000 $ 70,898 $ 93,000
Lancaster, Pennsylvania 564 $ 33,124,000 $ 58,730 $ 64,000
Butler, Pennsylvania 536 $ 24,821,000 $ 46,307 $ 66,000
Beaver, Pennsylvania 525 $ 22,882,000 $ 43,584 $ 64,000
York, Pennsylvania 470 $ 27,248,000 $ 57,974 $ 68,000
Dauphin, Pennsylvania 458 $ 22,455,000 $ 49,028 $ 69,000
Clark, Nevada 448 $ 28,035,000 $ 62,578 $ 0
Maricopa, Arizona 423 $ 35,160,000 $ 83,120 $ 0
Burlington, New Jersey 398 $ 29,741,000 $ 74,726 $ 102,000
Blair, Pennsylvania 390 $ 14,593,000 $ 37,417 $ 52,000
Monroe, Pennsylvania 327 $ 21,543,000 $ 65,880 $ 67,000
King, Washington 313 $ 25,880,000 $ 82,683 $ 0
Cumberland, Pennsylvania 308 $ 15,340,000 $ 49,805 $ 82,000
Ada, Idaho 301 $ 14,092,000 $ 46,817 $ 0
Los Angeles, California 292 $ 40,191,000 $ 137,640 $ 0
Gloucester, New Jersey 243 $ 15,936,000 $ 65,580 $ 100,000
Crawford, Pennsylvania 243 $ 9,442,000 $ 38,855 $ 52,000
Salt Lake, Utah 235 $ 12,628,000 $ 53,736 $ 0
Riverside, California 232 $ 20,939,000 $ 90,254 $ 0
Mercer, Pennsylvania 209 $ 8,972,000 $ 42,928 $ 60,000
Harris, Texas 209 $ 13,455,000 $ 64,377 $ 0
Centre, Pennsylvania 185 $ 12,190,000 $ 65,891 $ 77,000
Armstrong, Pennsylvania 179 $ 7,508,000 $ 41,944 $ 56,000
Venango, Pennsylvania 177 $ 7,618,000 $ 43,039 $ 49,000
Snohomish, Washington 170 $ 11,728,000 $ 68,988 $ 0
Pike, Pennsylvania 167 $ 9,697,000 $ 58,065 $ 67,000
Clark, Washington 150 $ 9,131,000 $ 60,873 $ 0
Sacramento, California 132 $ 9,688,000 $ 73,393 $ 0
Tarrant, Texas 127 $ 5,469,000 $ 43,062 $ 0
Fairfax, Virginia 120 $ 11,182,000 $ 93,183 $ 0
San Diego, California 114 $ 16,285,000 $ 142,850 $ 0
Multnomah, Oregon 113 $ 9,256,000 $ 81,911 $ 0
Baltimore, Maryland 105 $ 5,745,000 $ 54,714 $ 1,000
Cape May, New Jersey 98 $ 16,958,000 $ 173,040 $ 148,000
Mecklenburg, North Carolina 98 $ 6,546,000 $ 66,795 $ 0
Washington, Oregon 93 $ 5,658,000 $ 60,838 $ 0
Pierce, Washington 93 $ 6,707,000 $ 72,118 $ 0
Cook, Illinois 91 $ 8,935,000 $ 98,186 $ 1,000
Dallas, Texas 91 $ 5,837,000 $ 64,142 $ 0
San Bernardino, California 87 $ 7,337,000 $ 84,333 $ 0
Utah, Utah 87 $ 4,017,000 $ 46,172 $ 0
Anne Arundel, Maryland 86 $ 7,122,000 $ 82,813 $ 0
Douglas, Nebraska 86 $ 3,029,000 $ 35,220 $ 0
Canyon, Idaho 85 $ 3,218,000 $ 37,858 $ 0
Bernalillo, New Mexico 84 $ 4,862,000 $ 57,880 $ 0
Jefferson, Colorado 83 $ 5,093,000 $ 61,361 $ 0
New Castle, Delaware 80 $ 5,463,000 $ 68,287 $ 36,000
Middlesex, Massachusetts 79 $ 9,317,000 $ 117,936 $ 5,000
Travis, Texas 79 $ 4,003,000 $ 50,670 $ 0
Prince George's, Maryland 78 $ 5,961,000 $ 76,423 $ 2,000
Orange, California 77 $ 12,160,000 $ 157,922 $ 0
Douglas, Colorado 77 $ 5,760,000 $ 74,805 $ 0
Marion, Indiana 77 $ 3,567,000 $ 46,324 $ 0
Shelby, Tennessee 76 $ 3,605,000 $ 47,434 $ 0
El Paso, Colorado 73 $ 4,103,000 $ 56,205 $ 0
Fulton, Georgia 73 $ 7,335,000 $ 100,479 $ 0
Clackamas, Oregon 73 $ 6,820,000 $ 93,424 $ 0
Lehigh, Pennsylvania 73 $ 4,654,000 $ 63,753 $ 57,000
Gwinnett, Georgia 72 $ 5,970,000 $ 82,916 $ 0
Franklin, Pennsylvania 68 $ 3,652,000 $ 53,705 $ 67,000
Davis, Utah 68 $ 3,408,000 $ 50,117 $ 0
Cobb, Georgia 66 $ 3,634,000 $ 55,060 $ 0
Davidson, Tennessee 66 $ 3,717,000 $ 56,318 $ 0
Sedgwick, Kansas 65 $ 2,215,000 $ 34,076 $ 0
Pinal, Arizona 64 $ 3,468,000 $ 54,187 $ 0
Harford, Maryland 64 $ 4,056,000 $ 63,375 $ 2,000
Kent, Michigan 64 $ 1,877,000 $ 29,328 $ 0
Denver, Colorado 63 $ 4,354,000 $ 69,111 $ 0
Montgomery, Maryland 63 $ 7,300,000 $ 115,873 $ 11,000
Atlantic, New Jersey 60 $ 5,461,000 $ 91,016 $ 106,000
Denton, Texas 60 $ 2,645,000 $ 44,083 $ 0
Prince William, Virginia 60 $ 6,060,000 $ 101,000 $ 0
Oklahoma, Oklahoma 59 $ 1,926,000 $ 32,644 $ 0
Hamilton, Indiana 58 $ 3,345,000 $ 57,672 $ 0
Baltimore City, Maryland 58 $ 3,343,000 $ 57,637 $ 0
Ocean, New Jersey 58 $ 6,636,000 $ 114,413 $ 111,000
Lackawanna, Pennsylvania 58 $ 2,921,000 $ 50,362 $ 58,000
Wake, North Carolina 57 $ 4,179,000 $ 73,315 $ 0
Fayette, Pennsylvania 57 $ 1,517,000 $ 26,614 $ 47,000
Collin, Texas 57 $ 3,413,000 $ 59,877 $ 0
Santa Clara, California 56 $ 7,820,000 $ 139,642 $ 0
Bristol, Massachusetts 55 $ 2,965,000 $ 53,909 $ 0
Broward, Florida 54 $ 3,197,000 $ 59,203 $ 1,000
Carbon, Pennsylvania 54 $ 2,692,000 $ 49,851 $ 68,000
Spokane, Washington 54 $ 2,402,000 $ 44,481 $ 0
Hennepin, Minnesota 53 $ 5,580,000 $ 105,283 $ 0
Northampton, Pennsylvania 53 $ 4,311,000 $ 81,339 $ 49,000
Virginia Beach, Virginia 53 $ 3,145,000 $ 59,339 $ 0
Suffolk, New York 52 $ 6,520,000 $ 125,384 $ 0
Sussex, Delaware 51 $ 4,322,000 $ 84,745 $ 25,000
Jackson, Missouri 51 $ 2,894,000 $ 56,745 $ 0
Arapahoe, Colorado 50 $ 3,455,000 $ 69,100 $ 0
Mercer, New Jersey 50 $ 4,982,000 $ 99,640 $ 95,000
Bannock, Idaho 49 $ 1,336,000 $ 27,265 $ 0
Lawrence, Pennsylvania 49 $ 1,813,000 $ 37,000 $ 36,000
Wayne, Michigan 48 $ 1,781,000 $ 37,104 $ 0
Washoe, Nevada 48 $ 5,336,000 $ 111,166 $ 0
Fresno, California 47 $ 3,734,000 $ 79,446 $ 0
Orange, Florida 47 $ 3,507,000 $ 74,617 $ 0
Oakland, Michigan 47 $ 2,710,000 $ 57,659 $ 0
Frederick, Maryland 46 $ 2,875,000 $ 62,500 $ 1,000
Adams, Colorado 45 $ 1,958,000 $ 43,511 $ 0
DeKalb, Georgia 45 $ 3,060,000 $ 68,000 $ 0
Hendricks, Indiana 45 $ 1,568,000 $ 34,844 $ 0
Fort Bend, Texas 45 $ 2,797,000 $ 62,155 $ 0
Johnson, Kansas 44 $ 2,625,000 $ 59,659 $ 0
Lane, Oregon 44 $ 2,794,000 $ 63,500 $ 0
Lebanon, Pennsylvania 44 $ 2,629,000 $ 59,750 $ 70,000
Howard, Maryland 43 $ 4,131,000 $ 96,069 $ 7,000
Middlesex, New Jersey 43 $ 4,260,000 $ 99,069 $ 90,000
Ventura, California 42 $ 7,430,000 $ 176,904 $ 0
Placer, California 41 $ 3,482,000 $ 84,926 $ 0
Greene, Missouri 41 $ 1,434,000 $ 34,975 $ 0
Morris, New Jersey 41 $ 6,210,000 $ 151,463 $ 62,000
Worcester, Massachusetts 40 $ 2,849,000 $ 71,225 $ 0
Washtenaw, Michigan 40 $ 2,612,000 $ 65,300 $ 0
Alameda, California 38 $ 4,051,000 $ 106,605 $ 0
Miami-Dade, Florida 38 $ 4,260,000 $ 112,105 $ 0
Norfolk, Massachusetts 38 $ 4,286,000 $ 112,789 $ 1,000
St. Louis, Missouri 38 $ 3,145,000 $ 82,763 $ 0
Mifflin, Pennsylvania 38 $ 1,415,000 $ 37,236 $ 41,000
Hillsborough, Florida 37 $ 2,621,000 $ 70,837 $ 2,000
Coweta, Georgia 37 $ 1,300,000 $ 35,135 $ 0
Sarpy, Nebraska 37 $ 1,525,000 $ 41,216 $ 0
Hillsborough, New Hampshire 37 $ 3,006,000 $ 81,243 $ 0
Pima, Arizona 36 $ 3,028,000 $ 84,111 $ 0
Yolo, California 36 $ 3,567,000 $ 99,083 $ 0
Fayette, Kentucky 36 $ 1,451,000 $ 40,305 $ 0
Charles, Maryland 36 $ 2,696,000 $ 74,888 $ 1,000
Monmouth, New Jersey 35 $ 2,795,000 $ 79,857 $ 91,000
Bexar, Texas 35 $ 1,152,000 $ 32,914 $ 0
Loudoun, Virginia 35 $ 3,123,000 $ 89,228 $ 0
Weld, Colorado 34 $ 1,449,000 $ 42,617 $ 0
Henry, Georgia 34 $ 1,587,000 $ 46,676 $ 0
St. Mary's, Maryland 34 $ 2,067,000 $ 60,794 $ 1,000
Plymouth, Massachusetts 34 $ 2,801,000 $ 82,382 $ 1,000
Rockingham, New Hampshire 34 $ 3,459,000 $ 101,735 $ 1,000
Tulsa, Oklahoma 34 $ 1,524,000 $ 44,823 $ 0
Essex, Massachusetts 33 $ 2,133,000 $ 64,636 $ 0
St. Charles, Missouri 33 $ 1,553,000 $ 47,060 $ 0
Providence, Rhode Island 33 $ 1,838,000 $ 55,696 $ 3,000
Chesapeake, Virginia 33 $ 1,856,000 $ 56,242 $ 0
Contra Costa, California 32 $ 4,849,000 $ 151,531 $ 0
Solano, California 31 $ 3,113,000 $ 100,419 $ 0
Madison, Illinois 31 $ 1,076,000 $ 34,709 $ 0
Bergen, New Jersey 31 $ 3,292,000 $ 106,193 $ 46,000
Essex, New Jersey 31 $ 2,756,000 $ 88,903 $ 77,000
Orange, New York 31 $ 1,290,000 $ 41,612 $ 12,000
Butler, Ohio 31 $ 1,321,000 $ 42,612 $ 0
Cambria, Pennsylvania 31 $ 1,577,000 $ 50,870 $ 58,000
District of Columbia, District Of Columbia 30 $ 2,048,000 $ 68,266 $ 0
Kings, New York 30 $ 3,147,000 $ 104,900 $ 6,000
Franklin, Ohio 30 $ 1,226,000 $ 40,866 $ 0
Bedford, Pennsylvania 30 $ 1,345,000 $ 44,833 $ 63,000
Williamson, Texas 30 $ 1,105,000 $ 36,833 $ 0
Kitsap, Washington 30 $ 2,406,000 $ 80,200 $ 0
Dane, Wisconsin 30 $ 1,467,000 $ 48,900 $ 0
Larimer, Colorado 29 $ 1,426,000 $ 49,172 $ 0
Duval, Florida 29 $ 1,208,000 $ 41,655 $ 0
Anoka, Minnesota 29 $ 1,969,000 $ 67,896 $ 0
Bradford, Pennsylvania 29 $ 626,000 $ 21,586 $ 32,000
Knox, Tennessee 29 $ 1,004,000 $ 34,620 $ 0
Palm Beach, Florida 28 $ 4,146,000 $ 148,071 $ 0
Cherokee, Georgia 28 $ 1,190,000 $ 42,500 $ 0
Twin Falls, Idaho 28 $ 852,000 $ 30,428 $ 0
Suffolk, Massachusetts 28 $ 2,907,000 $ 103,821 $ 12,000
Marion, Oregon 28 $ 1,561,000 $ 55,750 $ 0
Indiana, Pennsylvania 28 $ 1,245,000 $ 44,464 $ 47,000
Sumner, Tennessee 28 $ 857,000 $ 30,607 $ 0
Montgomery, Texas 28 $ 1,222,000 $ 43,642 $ 0
Fayette, Georgia 27 $ 1,494,000 $ 55,333 $ 0
Somerset, New Jersey 27 $ 2,654,000 $ 98,296 $ 108,000
Hamilton, Ohio 27 $ 1,170,000 $ 43,333 $ 0
Adams, Pennsylvania 27 $ 1,715,000 $ 63,518 $ 49,000
Stafford, Virginia 27 $ 2,163,000 $ 80,111 $ 0
Nassau, New York 26 $ 4,382,000 $ 168,538 $ 0
Clarion, Pennsylvania 26 $ 1,399,000 $ 53,807 $ 96,000
Rutherford, Tennessee 26 $ 976,000 $ 37,538 $ 0
Washington, Utah 26 $ 1,203,000 $ 46,269 $ 0
Weber, Utah 26 $ 1,959,000 $ 75,346 $ 0
Sonoma, California 25 $ 4,846,000 $ 193,840 $ 0
Lee, Florida 25 $ 5,239,000 $ 209,560 $ 0
Jefferson, Kentucky 25 $ 853,000 $ 34,120 $ 0
Guilford, North Carolina 25 $ 1,210,000 $ 48,400 $ 0
Perry, Pennsylvania 25 $ 1,215,000 $ 48,600 $ 62,000
Thurston, Washington 25 $ 1,299,000 $ 51,960 $ 0
San Mateo, California 24 $ 6,085,000 $ 253,541 $ 0
Pinellas, Florida 24 $ 1,680,000 $ 70,000 $ 0
Bonneville, Idaho 24 $ 773,000 $ 32,208 $ 0
Dakota, Minnesota 24 $ 1,649,000 $ 68,708 $ 0
Cleveland, Oklahoma 24 $ 649,000 $ 27,041 $ 0
Spartanburg, South Carolina 24 $ 1,348,000 $ 56,166 $ 0
Alexandria, Virginia 24 $ 2,192,000 $ 91,333 $ 0
Arlington, Virginia 24 $ 2,100,000 $ 87,500 $ 0
Kent, Delaware 23 $ 1,584,000 $ 68,869 $ 10,000
Forsyth, Georgia 23 $ 1,586,000 $ 68,956 $ 0
Will, Illinois 23 $ 1,948,000 $ 84,695 $ 0
Carroll, Maryland 23 $ 1,348,000 $ 58,608 $ 2,000
Buchanan, Missouri 23 $ 804,000 $ 34,956 $ 0
Clermont, Ohio 23 $ 1,093,000 $ 47,521 $ 0
Schuylkill, Pennsylvania 23 $ 1,283,000 $ 55,782 $ 73,000
Williamson, Tennessee 23 $ 1,769,000 $ 76,913 $ 0
Boulder, Colorado 22 $ 3,229,000 $ 146,772 $ 0
Polk, Iowa 22 $ 1,190,000 $ 54,090 $ 0
Cumberland, Maine 22 $ 1,204,000 $ 54,727 $ 0
Macomb, Michigan 22 $ 1,169,000 $ 53,136 $ 1,000
Hudson, New Jersey 22 $ 1,937,000 $ 88,045 $ 40,000
Union, North Carolina 22 $ 906,000 $ 41,181 $ 0
Clearfield, Pennsylvania 22 $ 989,000 $ 44,954 $ 40,000
Galveston, Texas 22 $ 1,509,000 $ 68,590 $ 0
DuPage, Illinois 21 $ 1,773,000 $ 84,428 $ 2,000
Kane, Illinois 21 $ 1,255,000 $ 59,761 $ 0
Union, New Jersey 21 $ 1,898,000 $ 90,380 $ 69,000
Cuyahoga, Ohio 21 $ 819,000 $ 39,000 $ 0
Hamilton, Tennessee 21 $ 577,000 $ 27,476 $ 0
Spotsylvania, Virginia 21 $ 1,962,000 $ 93,428 $ 0
Stanislaus, California 20 $ 1,806,000 $ 90,300 $ 0
Livingston, Michigan 20 $ 1,068,000 $ 53,400 $ 0
Seminole, Florida 19 $ 1,564,000 $ 82,315 $ 0
Kootenai, Idaho 19 $ 1,015,000 $ 53,421 $ 0
Lake, Illinois 19 $ 2,806,000 $ 147,684 $ 0
St. Clair, Illinois 19 $ 745,000 $ 39,210 $ 0
Douglas, Kansas 19 $ 1,053,000 $ 55,421 $ 0
Passaic, New Jersey 19 $ 1,733,000 $ 91,210 $ 75,000
Huntingdon, Pennsylvania 19 $ 859,000 $ 45,210 $ 61,000
Brazoria, Texas 19 $ 603,000 $ 31,736 $ 0
Hartford, Connecticut 18 $ 1,780,000 $ 98,888 $ 5,000
Pasco, Florida 18 $ 1,179,000 $ 65,500 $ 0
Hancock, Indiana 18 $ 546,000 $ 30,333 $ 0
Calvert, Maryland 18 $ 1,920,000 $ 106,666 $ 0
Jefferson, Missouri 18 $ 779,000 $ 43,277 $ 0
Flathead, Montana 18 $ 739,000 $ 41,055 $ 0
Montgomery, Ohio 18 $ 520,000 $ 28,888 $ 0
Deschutes, Oregon 18 $ 1,659,000 $ 92,166 $ 0
Jackson, Oregon 18 $ 1,541,000 $ 85,611 $ 0
Kent, Rhode Island 18 $ 872,000 $ 48,444 $ 0
Putnam, Tennessee 18 $ 448,000 $ 24,888 $ 0
Kern, California 17 $ 988,000 $ 58,117 $ 0
Brevard, Florida 17 $ 1,127,000 $ 66,294 $ 0
Honolulu, Hawaii 17 $ 2,935,000 $ 172,647 $ 0
Genesee, Michigan 17 $ 546,000 $ 32,117 $ 0
Cumberland, New Jersey 17 $ 1,654,000 $ 97,294 $ 106,000
Sussex, New Jersey 17 $ 1,285,000 $ 75,588 $ 57,000
Santa Fe, New Mexico 17 $ 1,461,000 $ 85,941 $ 0
Wyoming, Pennsylvania 17 $ 795,000 $ 46,764 $ 61,000
Hamblen, Tennessee 17 $ 446,000 $ 26,235 $ 0
Benton, Arkansas 16 $ 1,013,000 $ 63,312 $ 0
San Joaquin, California 16 $ 1,719,000 $ 107,437 $ 0
York, Maine 16 $ 1,069,000 $ 66,812 $ 0
Washington, Maryland 16 $ 904,000 $ 56,500 $ 0
Ottawa, Michigan 16 $ 493,000 $ 30,812 $ 0
Hunterdon, New Jersey 16 $ 1,491,000 $ 93,187 $ 115,000
Warren, Ohio 16 $ 614,000 $ 38,375 $ 0
Polk, Oregon 16 $ 903,000 $ 56,437 $ 0
Yamhill, Oregon 16 $ 1,325,000 $ 82,812 $ 0
Somerset, Pennsylvania 16 $ 642,000 $ 40,125 $ 110,000
Benton, Washington 16 $ 695,000 $ 43,437 $ 0
Whatcom, Washington 16 $ 997,000 $ 62,312 $ 0
Sarasota, Florida 15 $ 3,814,000 $ 254,266 $ 0
Chatham, Georgia 15 $ 483,000 $ 32,200 $ 0
St. Tammany, Louisiana 15 $ 624,000 $ 41,600 $ 0
Wicomico, Maryland 15 $ 851,000 $ 56,733 $ 0
Scott, Minnesota 15 $ 1,112,000 $ 74,133 $ 0
Salem, New Jersey 15 $ 1,414,000 $ 94,266 $ 76,000
San Juan, New Mexico 15 $ 571,000 $ 38,066 $ 0
Wayne, Pennsylvania 15 $ 1,210,000 $ 80,666 $ 56,000
Skagit, Washington 15 $ 1,278,000 $ 85,200 $ 0
Milwaukee, Wisconsin 15 $ 639,000 $ 42,600 $ 0
Paulding, Georgia 14 $ 658,000 $ 47,000 $ 0
Madison, Indiana 14 $ 373,000 $ 26,642 $ 0
Kenton, Kentucky 14 $ 578,000 $ 41,285 $ 0
Christian, Missouri 14 $ 655,000 $ 46,785 $ 0
Gallatin, Montana 14 $ 864,000 $ 61,714 $ 3,000
Erie, New York 14 $ 556,000 $ 39,714 $ 0
Queens, New York 14 $ 2,328,000 $ 166,285 $ 0
Cabarrus, North Carolina 14 $ 613,000 $ 43,785 $ 0
Washington, Rhode Island 14 $ 1,075,000 $ 76,785 $ 0
Hays, Texas 14 $ 761,000 $ 54,357 $ 0
Henrico, Virginia 14 $ 700,000 $ 50,000 $ 1,000
Suffolk, Virginia 14 $ 1,000,000 $ 71,428 $ 0
Fairfield, Connecticut 13 $ 2,840,000 $ 218,461 $ 0
New Haven, Connecticut 13 $ 2,254,000 $ 173,384 $ 0
Allen, Indiana 13 $ 319,000 $ 24,538 $ 0
Ramsey, Minnesota 13 $ 1,294,000 $ 99,538 $ 0
Wright, Minnesota 13 $ 559,000 $ 43,000 $ 0
Clay, Missouri 13 $ 852,000 $ 65,538 $ 0
Sandoval, New Mexico 13 $ 735,000 $ 56,538 $ 0
Westchester, New York 13 $ 2,396,000 $ 184,307 $ 0
Laramie, Wyoming 13 $ 939,000 $ 72,230 $ 0
Yavapai, Arizona 12 $ 1,063,000 $ 88,583 $ 0
Santa Cruz, California 12 $ 1,996,000 $ 166,333 $ 0
Polk, Florida 12 $ 610,000 $ 50,833 $ 0
Douglas, Georgia 12 $ 449,000 $ 37,416 $ 0
Dallas, Iowa 12 $ 537,000 $ 44,750 $ 0
Worcester, Maryland 12 $ 1,019,000 $ 84,916 $ 21,000
Summit, Ohio 12 $ 654,000 $ 54,500 $ 0
Douglas, Oregon 12 $ 778,000 $ 64,833 $ 0
Washington, Tennessee 12 $ 439,000 $ 36,583 $ 0
Frederick, Virginia 12 $ 1,119,000 $ 93,250 $ 0
Mohave, Arizona 11 $ 569,000 $ 51,727 $ 0
El Dorado, California 11 $ 1,066,000 $ 96,909 $ 0
San Francisco, California 11 $ 2,589,000 $ 235,363 $ 0
La Plata, Colorado 11 $ 617,000 $ 56,090 $ 0
Volusia, Florida 11 $ 531,000 $ 48,272 $ 0
Bingham, Idaho 11 $ 262,000 $ 23,818 $ 0
Tangipahoa, Louisiana 11 $ 314,000 $ 28,545 $ 0
Penobscot, Maine 11 $ 486,000 $ 44,181 $ 0
Barnstable, Massachusetts 11 $ 571,000 $ 51,909 $ 0
St. Louis City, Missouri 11 $ 511,000 $ 46,454 $ 0
Yellowstone, Montana 11 $ 447,000 $ 40,636 $ 0
Merrimack, New Hampshire 11 $ 613,000 $ 55,727 $ 0
Rockland, New York 11 $ 1,556,000 $ 141,454 $ 0
Saratoga, New York 11 $ 970,000 $ 88,181 $ 0
Lake, Ohio 11 $ 502,000 $ 45,636 $ 0
Greenville, South Carolina 11 $ 959,000 $ 87,181 $ 0
Horry, South Carolina 11 $ 477,000 $ 43,363 $ 0
York, South Carolina 11 $ 401,000 $ 36,454 $ 0
Wilson, Tennessee 11 $ 596,000 $ 54,181 $ 0
Chesterfield, Virginia 11 $ 879,000 $ 79,909 $ 0
Culpeper, Virginia 11 $ 830,000 $ 75,454 $ 0
Norfolk, Virginia 11 $ 467,000 $ 42,454 $ 0
Jefferson, West Virginia 11 $ 1,029,000 $ 93,545 $ 0
Waukesha, Wisconsin 11 $ 1,317,000 $ 119,727 $ 0
Butte, California 10 $ 641,000 $ 64,100 $ 0
Pueblo, Colorado 10 $ 275,000 $ 27,500 $ 0
Lake, Florida 10 $ 531,000 $ 53,100 $ 0
Hall, Georgia 10 $ 668,000 $ 66,800 $ 0
McHenry, Illinois 10 $ 304,000 $ 30,400 $ 0
Boone, Indiana 10 $ 409,000 $ 40,900 $ 0
Boone, Kentucky 10 $ 379,000 $ 37,900 $ 0
Calcasieu, Louisiana 10 $ 357,000 $ 35,700 $ 0
Cecil, Maryland 10 $ 1,438,000 $ 143,800 $ 11,000
Hampden, Massachusetts 10 $ 677,000 $ 67,700 $ 0
Richmond, New York 10 $ 1,603,000 $ 160,300 $ 0
El Paso, Texas 10 $ 742,000 $ 74,200 $ 0
Johnson, Texas 10 $ 293,000 $ 29,300 $ 0
Parker, Texas 10 $ 439,000 $ 43,900 $ 0
Tooele, Utah 10 $ 422,000 $ 42,200 $ 0
Fauquier, Virginia 10 $ 990,000 $ 99,000 $ 0
Franklin, Washington 10 $ 507,000 $ 50,700 $ 0
Berkeley, West Virginia 10 $ 711,000 $ 71,100 $ 2,000
Coconino, Arizona 9 $ 1,149,000 $ 127,666 $ 0
Merced, California 9 $ 748,000 $ 83,111 $ 0
Monterey, California 9 $ 1,604,000 $ 178,222 $ 0
Nevada, California 9 $ 1,349,000 $ 149,888 $ 0
Windham, Connecticut 9 $ 628,000 $ 69,777 $ 0
Collier, Florida 9 $ 3,356,000 $ 372,888 $ 0
St. Johns, Florida 9 $ 805,000 $ 89,444 $ 0
Clayton, Georgia 9 $ 954,000 $ 106,000 $ 0
Jefferson, Idaho 9 $ 316,000 $ 35,111 $ 0
Winnebago, Illinois 9 $ 276,000 $ 30,666 $ 0
Johnson, Indiana 9 $ 387,000 $ 43,000 $ 0
Lake, Indiana 9 $ 322,000 $ 35,777 $ 0
Shawnee, Kansas 9 $ 683,000 $ 75,888 $ 0
Ingham, Michigan 9 $ 583,000 $ 64,777 $ 0
Washington, Minnesota 9 $ 918,000 $ 102,000 $ 0
Missoula, Montana 9 $ 439,000 $ 48,777 $ 0
Warren, New Jersey 9 $ 748,000 $ 83,111 $ 63,000
Durham, North Carolina 9 $ 291,000 $ 32,333 $ 0
New Hanover, North Carolina 9 $ 2,863,000 $ 318,111 $ 0
Canadian, Oklahoma 9 $ 429,000 $ 47,666 $ 0
Linn, Oregon 9 $ 351,000 $ 39,000 $ 0
Lycoming, Pennsylvania 9 $ 368,000 $ 40,888 $ 27,000
Ellis, Texas 9 $ 373,000 $ 41,444 $ 0
Guadalupe, Texas 9 $ 248,000 $ 27,555 $ 0
Brown, Wisconsin 9 $ 390,000 $ 43,333 $ 0
Santa Barbara, California 8 $ 637,000 $ 79,625 $ 0
Alachua, Florida 8 $ 315,000 $ 39,375 $ 0
Muscogee, Georgia 8 $ 352,000 $ 44,000 $ 0
Newton, Georgia 8 $ 362,000 $ 45,250 $ 0
Rockdale, Georgia 8 $ 419,000 $ 52,375 $ 0
Clark, Indiana 8 $ 278,000 $ 34,750 $ 0
Vanderburgh, Indiana 8 $ 944,000 $ 118,000 $ 0
Monroe, Michigan 8 $ 350,000 $ 43,750 $ 0
DeSoto, Mississippi 8 $ 392,000 $ 49,000 $ 0
Andrew, Missouri 8 $ 226,000 $ 28,250 $ 0
Boone, Missouri 8 $ 210,000 $ 26,250 $ 0
Douglas, Nevada 8 $ 486,000 $ 60,750 $ 0
Strafford, New Hampshire 8 $ 346,000 $ 43,250 $ 15,000
Sullivan, New York 8 $ 376,000 $ 47,000 $ 5,000
Johnston, North Carolina 8 $ 364,000 $ 45,500 $ 0
Delaware, Ohio 8 $ 587,000 $ 73,375 $ 0
Lucas, Ohio 8 $ 308,000 $ 38,500 $ 0
Miami, Ohio 8 $ 694,000 $ 86,750 $ 0
Benton, Oregon 8 $ 769,000 $ 96,125 $ 0
Charleston, South Carolina 8 $ 333,000 $ 41,625 $ 0
Blount, Tennessee 8 $ 383,000 $ 47,875 $ 0
Sevier, Tennessee 8 $ 270,000 $ 33,750 $ 0
Rockwall, Texas 8 $ 385,000 $ 48,125 $ 0
James City, Virginia 8 $ 677,000 $ 84,625 $ 13,000
Richmond City, Virginia 8 $ 415,000 $ 51,875 $ 0
Cowlitz, Washington 8 $ 332,000 $ 41,500 $ 0
Island, Washington 8 $ 547,000 $ 68,375 $ 0
Pulaski, Arkansas 7 $ 1,078,000 $ 154,000 $ 0
Eagle, Colorado 7 $ 1,157,000 $ 165,285 $ 0
Mesa, Colorado 7 $ 302,000 $ 43,142 $ 0
Park, Colorado 7 $ 312,000 $ 44,571 $ 0
New London, Connecticut 7 $ 937,000 $ 133,857 $ 0
Bay, Florida 7 $ 412,000 $ 58,857 $ 0
St. Lucie, Florida 7 $ 1,091,000 $ 155,857 $ 0
Elmore, Idaho 7 $ 264,000 $ 37,714 $ 0
Monroe, Indiana 7 $ 250,000 $ 35,714 $ 0
Butler, Kansas 7 $ 155,000 $ 22,142 $ 0
East Baton Rouge, Louisiana 7 $ 1,363,000 $ 194,714 $ 0
Lafayette, Louisiana 7 $ 188,000 $ 26,857 $ 0
Queen Anne's, Maryland 7 $ 516,000 $ 73,714 $ 0
Lenawee, Michigan 7 $ 262,000 $ 37,428 $ 0
St. Louis, Minnesota 7 $ 796,000 $ 113,714 $ 0
Platte, Missouri 7 $ 356,000 $ 50,857 $ 0
Onondaga, New York 7 $ 377,000 $ 53,857 $ 0
Cumberland, North Carolina 7 $ 296,000 $ 42,285 $ 0
Stark, Ohio 7 $ 491,000 $ 70,142 $ 0
Columbia, Oregon 7 $ 352,000 $ 50,285 $ 0
Coos, Oregon 7 $ 496,000 $ 70,857 $ 0
Columbia, Pennsylvania 7 $ 361,000 $ 51,571 $ 52,000
Sullivan, Tennessee 7 $ 240,000 $ 34,285 $ 0
Nueces, Texas 7 $ 263,000 $ 37,571 $ 0
Cache, Utah 7 $ 301,000 $ 43,000 $ 0
Portsmouth, Virginia 7 $ 366,000 $ 52,285 $ 0
Washington, Arkansas 6 $ 226,000 $ 37,666 $ 0
Sutter, California 6 $ 415,000 $ 69,166 $ 0
Clay, Florida 6 $ 318,000 $ 53,000 $ 0
Martin, Florida 6 $ 1,284,000 $ 214,000 $ 0
Osceola, Florida 6 $ 727,000 $ 121,166 $ 0
Santa Rosa, Florida 6 $ 247,000 $ 41,166 $ 0
Walton, Georgia 6 $ 214,000 $ 35,666 $ 0
Jerome, Idaho 6 $ 160,000 $ 26,666 $ 0
St. Joseph, Indiana 6 $ 255,000 $ 42,500 $ 0
Bullitt, Kentucky 6 $ 212,000 $ 35,333 $ 0
Oldham, Kentucky 6 $ 274,000 $ 45,666 $ 0
Androscoggin, Maine 6 $ 172,000 $ 28,666 $ 0
Carver, Minnesota 6 $ 326,000 $ 54,333 $ 0
Cass, Missouri 6 $ 843,000 $ 140,500 $ 0
Franklin, Missouri 6 $ 232,000 $ 38,666 $ 0
Lewis and Clark, Montana 6 $ 245,000 $ 40,833 $ 0
Nye, Nevada 6 $ 253,000 $ 42,166 $ 0
Dutchess, New York 6 $ 359,000 $ 59,833 $ 5,000
Oneida, New York 6 $ 116,000 $ 19,333 $ 0
Tioga, New York 6 $ 23,000 $ 3,833 $ 22,000
Lincoln, North Carolina 6 $ 342,000 $ 57,000 $ 0
Clark, Ohio 6 $ 185,000 $ 30,833 $ 0
Greene, Ohio 6 $ 219,000 $ 36,500 $ 0
Wayne, Ohio 6 $ 255,000 $ 42,500 $ 0
Logan, Oklahoma 6 $ 156,000 $ 26,000 $ 0
Susquehanna, Pennsylvania 6 $ 253,000 $ 42,166 $ 37,000
Tioga, Pennsylvania 6 $ 260,000 $ 43,333 $ 40,000
Bradley, Tennessee 6 $ 321,000 $ 53,500 $ 0
Cameron, Texas 6 $ 242,000 $ 40,333 $ 0
Jefferson, Texas 6 $ 226,000 $ 37,666 $ 0
Hampton, Virginia 6 $ 273,000 $ 45,500 $ 0
Hanover, Virginia 6 $ 346,000 $ 57,666 $ 0
Orange, Virginia 6 $ 332,000 $ 55,333 $ 0
Lincoln, Wyoming 6 $ 297,000 $ 49,500 $ 0
Madera, California 5 $ 599,000 $ 119,800 $ 0
Mono, California 5 $ 408,000 $ 81,600 $ 0
Tulare, California 5 $ 459,000 $ 91,800 $ 0
Middlesex, Connecticut 5 $ 627,000 $ 125,400 $ 0
Tolland, Connecticut 5 $ 366,000 $ 73,200 $ 0
Hernando, Florida 5 $ 317,000 $ 63,400 $ 0
Leon, Florida 5 $ 258,000 $ 51,600 $ 0
Manatee, Florida 5 $ 407,000 $ 81,400 $ 0
Okaloosa, Florida 5 $ 260,000 $ 52,000 $ 0
Carroll, Georgia 5 $ 224,000 $ 44,800 $ 0
Jackson, Georgia 5 $ 184,000 $ 36,800 $ 0
Walker, Georgia 5 $ 166,000 $ 33,200 $ 0
Bonner, Idaho 5 $ 684,000 $ 136,800 $ 0
Ogle, Illinois 5 $ 143,000 $ 28,600 $ 0
Harrison, Indiana 5 $ 95,000 $ 19,000 $ 0
Linn, Iowa 5 $ 134,000 $ 26,800 $ 0
Cowley, Kansas 5 $ 264,000 $ 52,800 $ 0
Calhoun, Michigan 5 $ 84,000 $ 16,800 $ 0
Kalamazoo, Michigan 5 $ 209,000 $ 41,800 $ 0
Clinton, Missouri 5 $ 267,000 $ 53,400 $ 0
Osage, Missouri 5 $ 104,000 $ 20,800 $ 0
Ravalli, Montana 5 $ 289,000 $ 57,800 $ 0
Lancaster, Nebraska 5 $ 189,000 $ 37,800 $ 0
Albany, New York 5 $ 377,000 $ 75,400 $ 0
Gaston, North Carolina 5 $ 136,000 $ 27,200 $ 0
Lorain, Ohio 5 $ 200,000 $ 40,000 $ 4,000
Medina, Ohio 5 $ 188,000 $ 37,600 $ 0
Shelby, Ohio 5 $ 133,000 $ 26,600 $ 0
McClain, Oklahoma 5 $ 305,000 $ 61,000 $ 0
Clinton, Pennsylvania 5 $ 335,000 $ 67,000 $ 55,000
Forest, Pennsylvania 5 $ 240,000 $ 48,000 $ 37,000
Fulton, Pennsylvania 5 $ 250,000 $ 50,000 $ 56,000
Greene, Pennsylvania 5 $ 99,000 $ 19,800 $ 54,000
Juniata, Pennsylvania 5 $ 243,000 $ 48,600 $ 39,000
McKean, Pennsylvania 5 $ 196,000 $ 39,200 $ 50,000
Newport, Rhode Island 5 $ 320,000 $ 64,000 $ 0
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Mortgage Loan Application Detail Totals for Citizens Bank of Pennsylvania in 2006

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 19,908 $619,700,000 $31,000 $2,500,000 $55,000 $6,280,000
Refinancing 15,998 $1,367,263,000 $85,000 $4,900,000 $58,000 $3,622,000
Home Purchase 9,221 $574,893,000 $62,000 $2,121,000 $13,000 $2,090,000

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 21,054 $1,128,348,000 $53,000 $2,000,000 $77,000 $2,700,000
Not applicable 14,874 $1,042,038,000 $70,000 $2,121,000 $0 $0
Black or African American 4,290 $116,464,000 $27,000 $4,900,000 $43,000 $6,280,000
Not Provided 2,079 $122,026,000 $58,000 $1,297,000 $83,000 $1,822,000
Hispanic 1,487 $52,778,000 $35,000 $1,000,000 $47,000 $803,000
Asian 1,166 $90,309,000 $77,000 $1,200,000 $83,000 $1,920,000
American Indian or Alaskan Native 98 $6,202,000 $63,000 $1,250,000 $62,000 $335,000
Native Hawaiian or Other Pacific Islander 79 $3,691,000 $46,000 $215,000 $63,000 $252,000

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) 45,127 $2,561,856,000 $56,000 $4,900,000 $47,000 $6,280,000
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 15,465 $839,206,000 $54,000 $1,510,000 $82,000 $2,377,000
Loan Purchased By The Institution 14,871 $1,041,366,000 $70,000 $2,121,000 $0 $0
Application Denied By Financial Institution 12,759 $556,644,000 $43,000 $4,900,000 $55,000 $6,280,000
Application Approved But Not Accepted 1,977 $121,200,000 $61,000 $860,000 $87,000 $2,700,000
Application Withdrawn By Applicant 55 $3,440,000 $62,000 $300,000 $74,000 $275,000
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 5,554 $188,498,000 $33,000 $4,900,000 $49,000 $6,280,000
Debt-To-Income Ratio 3,435 $156,373,000 $45,000 $1,200,000 $43,000 $920,000
Collateral 1,717 $147,421,000 $85,000 $1,100,000 $97,000 $1,822,000
Other 1,365 $26,759,000 $19,000 $540,000 $57,000 $1,920,000
Unverifiable Information 531 $29,238,000 $55,000 $1,200,000 $69,000 $810,000
Credit Application Incomplete 105 $6,423,000 $61,000 $1,000,000 $66,000 $400,000
Employment History 51 $1,898,000 $37,000 $151,000 $50,000 $214,000
Insufficient Cash (Downpayment, Closing Cost) 1 $34,000 $34,000 $34,000 $98,000 $98,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank of Pennsylvania's 2006 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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