Citizens Bank of Pennsylvania Mortgage Lending & HMDA Data, 2004
In 2004, Citizens Bank of Pennsylvania of Philadelphia, PA reported 40,147 mortgage applications totaling $2.8 billion, down 32% from 2003. The average application was for $69,945, and applicants reported an average income of $61,054. 44% of its applications resulted in an originated loan and 42% were denied. Its largest markets were Philadelphia, PA (17,337), Pittsburgh, PA (10,050) and Reading, PA (1,665) (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 | 40,147 |
| Total Mortgage Loan Application Amount | $2,808,102,000 |
| Average Mortgage Loan Application Amount | $69,945 |
| Highest Mortgage Loan Application Amount | $8,500,000 |
| Average Applicant Income | $61,054 |
| Highest Applicant Income | $6,000,000 |
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records Citizens Bank of Pennsylvania filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Philadelphia, PA | 17,337 | $ 1,226,089,000 | $ 70,720 | $ 73,000 |
| Pittsburgh, PA | 10,050 | $ 465,595,000 | $ 46,327 | $ 55,000 |
| Reading, PA | 1,665 | $ 72,936,000 | $ 43,805 | $ 42,000 |
| Erie, PA | 1,363 | $ 62,471,000 | $ 45,833 | $ 48,000 |
| Scranton--Wilkes-Barre, PA | 1,302 | $ 56,977,000 | $ 43,761 | $ 59,000 |
| Camden, NJ | 1,219 | $ 121,563,000 | $ 99,723 | $ 89,000 |
| Harrisburg-Carlisle, PA | 975 | $ 78,476,000 | $ 80,488 | $ 65,000 |
| Lancaster, PA | 631 | $ 62,987,000 | $ 99,820 | $ 66,000 |
| Altoona, PA | 573 | $ 28,571,000 | $ 49,862 | $ 68,000 |
| York-Hanover, PA | 566 | $ 47,820,000 | $ 84,487 | $ 60,000 |
| State College, PA | 358 | $ 26,535,000 | $ 74,120 | $ 65,000 |
| Edison, NJ | 272 | $ 42,301,000 | $ 155,518 | $ 120,000 |
| Newark-Union, NJ-PA | 182 | $ 30,450,000 | $ 167,307 | $ 113,000 |
| Ocean City, NJ | 146 | $ 34,058,000 | $ 233,273 | $ 142,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 141 | $ 11,320,000 | $ 80,283 | $ 65,000 |
| Atlantic City, NJ | 110 | $ 15,789,000 | $ 143,536 | $ 129,000 |
| Trenton-Ewing, NJ | 101 | $ 15,124,000 | $ 149,742 | $ 114,000 |
| Lebanon, PA | 70 | $ 6,131,000 | $ 87,585 | $ 63,000 |
| Providence-New Bedford-Fall River, RI-MA | 52 | $ 9,539,000 | $ 183,442 | $ 94,000 |
| Johnstown, PA | 51 | $ 2,926,000 | $ 57,372 | $ 45,000 |
| Los Angeles-Long Beach-Glendale, CA | 44 | $ 21,761,000 | $ 494,568 | $ 0 |
| Wilmington, DE-MD-NJ | 44 | $ 2,624,000 | $ 59,636 | $ 57,000 |
| Vineland-Millville-Bridgeton, NJ | 25 | $ 2,131,000 | $ 85,240 | $ 70,000 |
| Baltimore-Towson, MD | 23 | $ 6,983,000 | $ 303,608 | $ 29,000 |
| San Francisco-San Mateo-Redwood City, CA | 23 | $ 14,702,000 | $ 639,217 | $ 0 |
| New York-Wayne-White Plains, NY-NJ | 22 | $ 6,051,000 | $ 275,045 | $ 18,000 |
| Nassau-Suffolk, NY | 19 | $ 10,944,000 | $ 576,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 18 | $ 10,187,000 | $ 565,944 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 16 | $ 7,611,000 | $ 475,687 | $ 0 |
| Oakland-Fremont-Hayward, CA | 14 | $ 7,313,000 | $ 522,357 | $ 0 |
| Santa Ana-Anaheim-Irvine, CA | 14 | $ 7,282,000 | $ 520,142 | $ 0 |
| Bethesda-Frederick-Gaithersburg, MD | 13 | $ 5,657,000 | $ 435,153 | $ 86,000 |
| Chicago-Naperville-Joliet, IL | 13 | $ 4,348,000 | $ 334,461 | $ 0 |
| Houston-Baytown-Sugar Land, TX | 11 | $ 4,106,000 | $ 373,272 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 9 | $ 5,221,000 | $ 580,111 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 9 | $ 4,936,000 | $ 548,444 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 9 | $ 2,665,000 | $ 296,111 | $ 0 |
| Seattle-Bellevue-Everett, WA | 9 | $ 4,384,000 | $ 487,111 | $ 0 |
| Williamsport, PA | 9 | $ 235,000 | $ 26,111 | $ 40,000 |
| Youngstown-Warren-Boardman, OH-PA | 8 | $ 649,000 | $ 81,125 | $ 100,000 |
| Dallas-Plano-Irving, TX | 7 | $ 2,381,000 | $ 340,142 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 2,937,000 | $ 419,571 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 7 | $ 3,594,000 | $ 513,428 | $ 41,000 |
| Barnstable Town, MA | 6 | $ 491,000 | $ 81,833 | $ 224,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 1,450,000 | $ 241,666 | $ 121,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 2,762,000 | $ 460,333 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 6 | $ 2,570,000 | $ 428,333 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 2,320,000 | $ 386,666 | $ 0 |
| Boston-Quincy, MA | 5 | $ 1,042,000 | $ 208,400 | $ 35,000 |
| Fresno, CA | 5 | $ 1,863,000 | $ 372,600 | $ 0 |
| Jacksonville, FL | 5 | $ 2,480,000 | $ 496,000 | $ 0 |
| Madison, WI | 5 | $ 1,511,000 | $ 302,200 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 1,502,000 | $ 300,400 | $ 0 |
| Bakersfield, CA | 4 | $ 1,110,000 | $ 277,500 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 4 | $ 1,295,000 | $ 323,750 | $ 34,000 |
| Orlando, FL | 4 | $ 1,279,000 | $ 319,750 | $ 10,000 |
| Pittsfield, MA | 4 | $ 47,000 | $ 11,750 | $ 46,000 |
| Portland-Vancouver-Beaverton, OR-WA | 4 | $ 1,268,000 | $ 317,000 | $ 0 |
| Salt Lake City, UT | 4 | $ 1,323,000 | $ 330,750 | $ 0 |
| Santa Barbara-Santa Maria-Goleta, CA | 4 | $ 2,107,000 | $ 526,750 | $ 0 |
| Sarasota-Bradenton-Venice, FL | 4 | $ 2,613,000 | $ 653,250 | $ 37,000 |
| Warren-Farmington Hills-Troy, MI | 4 | $ 1,785,000 | $ 446,250 | $ 0 |
| Boulder, CO | 3 | $ 1,682,000 | $ 560,666 | $ 0 |
| Cambridge-Newton-Framingham, MA | 3 | $ 644,000 | $ 214,666 | $ 30,000 |
| Charlotte-Gastonia-Concord, NC-SC | 3 | $ 1,089,000 | $ 363,000 | $ 0 |
| Essex County, MA | 3 | $ 845,000 | $ 281,666 | $ 90,000 |
| Greenville, SC | 3 | $ 1,493,000 | $ 497,666 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 398,000 | $ 132,666 | $ 94,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 1,531,000 | $ 510,333 | $ 0 |
| Las Vegas-Paradise, NV | 3 | $ 1,911,000 | $ 637,000 | $ 0 |
| San Antonio, TX | 3 | $ 579,000 | $ 193,000 | $ 0 |
| St. Louis, MO-IL | 3 | $ 825,000 | $ 275,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 1,551,000 | $ 517,000 | $ 13,000 |
| Austin-Round Rock, TX | 2 | $ 352,000 | $ 176,000 | $ 0 |
| Boise City-Nampa, ID | 2 | $ 824,000 | $ 412,000 | $ 0 |
| Columbus, OH | 2 | $ 944,000 | $ 472,000 | $ 0 |
| Denver-Aurora, CO | 2 | $ 1,145,000 | $ 572,500 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 2 | $ 606,000 | $ 303,000 | $ 0 |
| Dover, DE | 2 | $ 421,000 | $ 210,500 | $ 49,000 |
| Fort Worth-Arlington, TX | 2 | $ 1,086,000 | $ 543,000 | $ 0 |
| Greensboro-High Point, NC | 2 | $ 608,000 | $ 304,000 | $ 0 |
| Kansas City, MO-KS | 2 | $ 1,175,000 | $ 587,500 | $ 0 |
| Little Rock-North Little Rock, AR | 2 | $ 1,745,000 | $ 872,500 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 984,000 | $ 492,000 | $ 0 |
| Naples-Marco Island, FL | 2 | $ 884,000 | $ 442,000 | $ 159,000 |
| Nashville-Davidson--Murfreesboro, TN | 2 | $ 967,000 | $ 483,500 | $ 0 |
| Olympia, WA | 2 | $ 888,000 | $ 444,000 | $ 0 |
| Portland-South Portland-Biddeford, ME | 2 | $ 672,000 | $ 336,000 | $ 102,000 |
| Punta Gorda, FL | 2 | $ 76,000 | $ 38,000 | $ 27,000 |
| Stockton, CA | 2 | $ 680,000 | $ 340,000 | $ 0 |
| Visalia-Porterville, CA | 2 | $ 587,000 | $ 293,500 | $ 0 |
| Weirton-Steubenville, WV-OH | 2 | $ 9,000 | $ 4,500 | $ 24,000 |
| Akron, OH | 1 | $ 648,000 | $ 648,000 | $ 0 |
| Albuquerque, NM | 1 | $ 498,000 | $ 498,000 | $ 0 |
| Anchorage, AK | 1 | $ 249,000 | $ 249,000 | $ 0 |
| Anniston-Oxford, AL | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Appleton, WI | 1 | $ 588,000 | $ 588,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 1 | $ 1,000 | $ 1,000 | $ 13,000 |
| Birmingham-Hoover, AL | 1 | $ 411,000 | $ 411,000 | $ 0 |
| Bloomington-Normal, IL | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 692,000 | $ 692,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Brownsville-Harlingen, TX | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Buffalo-Niagara Falls, NY | 1 | $ 72,000 | $ 72,000 | $ 37,000 |
| Burlington-South Burlington, VT | 1 | $ 1,000 | $ 1,000 | $ 14,000 |
| Canton-Massillon, OH | 1 | $ 456,000 | $ 456,000 | $ 374,000 |
| Charleston, WV | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Cheyenne, WY | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| College Station-Bryan, TX | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Dalton, GA | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 617,000 | $ 617,000 | $ 0 |
| Elizabethtown, KY | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Elmira, NY | 1 | $ 7,000 | $ 7,000 | $ 39,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 377,000 | $ 377,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 361,000 | $ 361,000 | $ 0 |
| Gainesville, GA | 1 | $ 364,000 | $ 364,000 | $ 0 |
| Indianapolis, IN | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Jackson, MS | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Jacksonville, NC | 1 | $ 10,000 | $ 10,000 | $ 36,000 |
| Lakeland, FL | 1 | $ 10,000 | $ 10,000 | $ 28,000 |
| Louisville, KY-IN | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Manchester-Nashua, NH | 1 | $ 424,000 | $ 424,000 | $ 0 |
| Merced, CA | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Missoula, MT | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Modesto, CA | 1 | $ 631,000 | $ 631,000 | $ 0 |
| Monroe, LA | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Montgomery, AL | 1 | $ 510,000 | $ 510,000 | $ 0 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 638,000 | $ 638,000 | $ 0 |
| Norwich-New London, CT | 1 | $ 516,000 | $ 516,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 438,000 | $ 438,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 179,000 | $ 179,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Pascagoula, MS | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 155,000 | $ 155,000 | $ 138,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 10,000 | $ 10,000 | $ 25,000 |
| Racine, WI | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Raleigh-Cary, NC | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Rapid City, SD | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Richmond, VA | 1 | $ 576,000 | $ 576,000 | $ 0 |
| Rochester, MN | 1 | $ 419,000 | $ 419,000 | $ 0 |
| Rochester, NY | 1 | $ 371,000 | $ 371,000 | $ 0 |
| Salem, OR | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Salinas, CA | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Sheboygan, WI | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Spokane, WA | 1 | $ 64,000 | $ 64,000 | $ 0 |
| St. George, UT | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Tacoma, WA | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Toledo, OH | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Tucson, AZ | 1 | $ 633,000 | $ 633,000 | $ 0 |
| Tyler, TX | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Vallejo-Fairfield, CA | 1 | $ 538,000 | $ 538,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Worcester, MA | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Yuba City, CA | 1 | $ 72,000 | $ 72,000 | $ 0 |
Mortgage Loan Application Detail Totals for Citizens Bank of Pennsylvania 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 |
|---|---|---|---|---|---|---|
| Home Improvement | 20,833 | $518,512,000 | $30,076 | $2,813,000 | $44,076 | $6,000,000 |
| Refinancing | 17,651 | $1,994,635,000 | $344,023 | $1,600,000 | $27,000 | $4,824,000 |
| Home Purchase | 1,663 | $294,955,000 | $435,075 | $8,500,000 | $15,175 | $2,351,000 |
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 | 25,385 | $1,820,498,000 | $102,176 | $2,813,000 | $88,117 | $4,824,000 |
| Black or African American | 5,986 | $136,987,000 | $60,444 | $550,000 | $39,333 | $2,254,000 |
| Not Provided | 4,958 | $396,141,000 | $108,300 | $4,100,000 | $91,800 | $1,100,000 |
| Hispanic | 1,699 | $61,327,000 | $42,285 | $979,000 | $47,714 | $660,000 |
| Asian | 1,170 | $104,412,000 | $65,200 | $650,000 | $116,600 | $1,135,000 |
| Not applicable | 657 | $272,504,000 | $424,125 | $8,500,000 | $4,312 | $650,000 |
| American Indian or Alaskan Native | 220 | $13,096,000 | $109,500 | $673,000 | $88,000 | $6,000,000 |
| Native Hawaiian or Other Pacific Islander | 72 | $3,137,000 | $49,666 | $377,000 | $48,333 | $146,000 |
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) | 40,147 | $2,808,102,000 | $368,551 | $8,500,000 | $17,836 | $6,000,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 17,605 | $1,385,906,000 | $101,500 | $8,500,000 | $99,300 | $4,824,000 |
| Application Denied By Financial Institution | 16,877 | $690,425,000 | $62,785 | $2,813,000 | $53,571 | $6,000,000 |
| Application Approved But Not Accepted | 4,189 | $350,521,000 | $123,125 | $1,000,000 | $89,375 | $3,343,000 |
| Loan Purchased By The Institution | 1,440 | $377,684,000 | $409,666 | $4,100,000 | $11,458 | $2,351,000 |
| Application Withdrawn By Applicant | 36 | $3,566,000 | $91,500 | $520,000 | $101,500 | $626,000 |
| 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 | 9,616 | $260,291,000 | $46,538 | $1,400,000 | $34,000 | $6,000,000 |
| Debt-To-Income Ratio | 4,664 | $209,492,000 | $57,142 | $900,000 | $57,428 | $450,000 |
| Collateral | 1,216 | $142,357,000 | $149,200 | $2,813,000 | $129,200 | $2,052,000 |
| Other | 1,123 | $56,470,000 | $26,222 | $1,000,000 | $50,777 | $2,052,000 |
| Credit Application Incomplete | 126 | $7,315,000 | $72,000 | $350,000 | $151,333 | $845,000 |
| Unverifiable Information | 113 | $13,615,000 | $403,400 | $1,600,000 | $187,800 | $770,000 |
| Employment History | 19 | $885,000 | $29,000 | $454,000 | $25,000 | $102,000 |
| 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 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 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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.
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