Citizens Bank of Pennsylvania Mortgage Lending & HMDA Data, 2018
In 2018, Citizens Bank of Pennsylvania of Philadelphia, PA reported 24,354 mortgage applications totaling $3.0 billion, up 2458% from 2017. The average application was for $123,768, and applicants reported an average income of $107,094. 47% of its applications resulted in an originated loan and 47% were denied. Its largest markets were Pittsburgh, PA (5,752), Montgomery County-Bucks County-Chester County, PA (5,543) and Philadelphia, PA (4,844) (applications in parentheses).
| Mortgage Company & Address | Citizens Bank of Pennsylvania One Logan Square, 130 North 18th Street Philadelphia, PA 19103 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 24,354 |
| Total Mortgage Loan Application Amount | $3,014,260,000 |
| Average Mortgage Loan Application Amount | $123,768 |
| Highest Mortgage Loan Application Amount | $33,005,000 |
| Average Applicant Income | $107,094 |
| Highest Applicant Income | $7,000,000 |
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records Citizens Bank of Pennsylvania filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Allegheny, Pennsylvania | 3,532 | $ 346,570,000 | $ 98,122 | $ 93,000 |
| Philadelphia, Pennsylvania | 3,332 | $ 354,610,000 | $ 106,425 | $ 70,000 |
| Montgomery, Pennsylvania | 2,585 | $ 400,075,000 | $ 154,767 | $ 140,000 |
| Bucks, Pennsylvania | 1,777 | $ 271,045,000 | $ 152,529 | $ 118,000 |
| Delaware, Pennsylvania | 1,512 | $ 212,870,000 | $ 140,787 | $ 115,000 |
| Chester, Pennsylvania | 1,181 | $ 201,445,000 | $ 170,571 | $ 152,000 |
| Westmoreland, Pennsylvania | 738 | $ 65,660,000 | $ 88,970 | $ 87,000 |
| Berks, Pennsylvania | 640 | $ 56,470,000 | $ 88,234 | $ 80,000 |
| Washington, Pennsylvania | 500 | $ 57,230,000 | $ 114,460 | $ 97,000 |
| Butler, Pennsylvania | 430 | $ 54,200,000 | $ 126,046 | $ 96,000 |
| York, Pennsylvania | 430 | $ 48,160,000 | $ 112,000 | $ 76,000 |
| Luzerne, Pennsylvania | 428 | $ 35,930,000 | $ 83,948 | $ 79,000 |
| Burlington, New Jersey | 407 | $ 53,415,000 | $ 131,240 | $ 127,000 |
| Beaver, Pennsylvania | 407 | $ 36,575,000 | $ 89,864 | $ 78,000 |
| Camden, New Jersey | 405 | $ 45,435,000 | $ 112,185 | $ 113,000 |
| Lancaster, Pennsylvania | 405 | $ 52,275,000 | $ 129,074 | $ 91,000 |
| Bergen, New Jersey | 375 | $ 53,565,000 | $ 142,840 | $ 160,000 |
| Dauphin, Pennsylvania | 287 | $ 28,985,000 | $ 100,993 | $ 84,000 |
| Monmouth, New Jersey | 279 | $ 38,735,000 | $ 138,835 | $ 168,000 |
| Ocean, New Jersey | 269 | $ 32,175,000 | $ 119,609 | $ 116,000 |
| Cumberland, Pennsylvania | 257 | $ 33,735,000 | $ 131,264 | $ 98,000 |
| Middlesex, New Jersey | 256 | $ 32,840,000 | $ 128,281 | $ 146,000 |
| Erie, Pennsylvania | 223 | $ 18,885,000 | $ 84,686 | $ 72,000 |
| Monroe, Pennsylvania | 211 | $ 18,365,000 | $ 87,037 | $ 82,000 |
| Essex, New Jersey | 197 | $ 29,865,000 | $ 151,598 | $ 170,000 |
| Blair, Pennsylvania | 187 | $ 13,285,000 | $ 71,042 | $ 63,000 |
| Gloucester, New Jersey | 182 | $ 19,800,000 | $ 108,791 | $ 107,000 |
| Cape May, New Jersey | 175 | $ 41,765,000 | $ 238,657 | $ 243,000 |
| Morris, New Jersey | 174 | $ 28,060,000 | $ 161,264 | $ 214,000 |
| Union, New Jersey | 152 | $ 18,420,000 | $ 121,184 | $ 151,000 |
| Hudson, New Jersey | 146 | $ 19,430,000 | $ 133,082 | $ 134,000 |
| Centre, Pennsylvania | 144 | $ 18,800,000 | $ 130,555 | $ 93,000 |
| Mercer, Pennsylvania | 144 | $ 13,760,000 | $ 95,555 | $ 82,000 |
| Atlantic, New Jersey | 137 | $ 22,745,000 | $ 166,021 | $ 143,000 |
| Mercer, New Jersey | 130 | $ 17,310,000 | $ 133,153 | $ 132,000 |
| Passaic, New Jersey | 130 | $ 15,000,000 | $ 115,384 | $ 118,000 |
| Lehigh, Pennsylvania | 120 | $ 44,530,000 | $ 371,083 | $ 102,000 |
| Pike, Pennsylvania | 112 | $ 11,600,000 | $ 103,571 | $ 100,000 |
| Somerset, New Jersey | 103 | $ 15,795,000 | $ 153,349 | $ 149,000 |
| Armstrong, Pennsylvania | 95 | $ 8,225,000 | $ 86,578 | $ 78,000 |
| Northampton, Pennsylvania | 87 | $ 10,275,000 | $ 118,103 | $ 102,000 |
| Venango, Pennsylvania | 83 | $ 7,595,000 | $ 91,506 | $ 59,000 |
| Lackawanna, Pennsylvania | 80 | $ 7,750,000 | $ 96,875 | $ 105,000 |
| Crawford, Pennsylvania | 70 | $ 5,200,000 | $ 74,285 | $ 67,000 |
| Lawrence, Pennsylvania | 61 | $ 4,095,000 | $ 67,131 | $ 67,000 |
| Sussex, New Jersey | 60 | $ 6,080,000 | $ 101,333 | $ 193,000 |
| Hunterdon, New Jersey | 50 | $ 5,550,000 | $ 111,000 | $ 146,000 |
| Fayette, Pennsylvania | 50 | $ 6,080,000 | $ 121,600 | $ 74,000 |
| Mifflin, Pennsylvania | 45 | $ 2,435,000 | $ 54,111 | $ 61,000 |
| Lebanon, Pennsylvania | 41 | $ 4,195,000 | $ 102,317 | $ 91,000 |
| Franklin, Pennsylvania | 39 | $ 3,625,000 | $ 92,948 | $ 90,000 |
| Carbon, Pennsylvania | 37 | $ 3,585,000 | $ 96,891 | $ 74,000 |
| Schuylkill, Pennsylvania | 36 | $ 2,240,000 | $ 62,222 | $ 90,000 |
| Warren, New Jersey | 32 | $ 2,730,000 | $ 85,312 | $ 102,000 |
| Cumberland, New Jersey | 23 | $ 1,985,000 | $ 86,304 | $ 75,000 |
| Huntingdon, Pennsylvania | 23 | $ 2,175,000 | $ 94,565 | $ 75,000 |
| Indiana, Pennsylvania | 22 | $ 2,080,000 | $ 94,545 | $ 92,000 |
| Wayne, Pennsylvania | 21 | $ 2,105,000 | $ 100,238 | $ 197,000 |
| Salem, New Jersey | 20 | $ 2,580,000 | $ 129,000 | $ 87,000 |
| Cambria, Pennsylvania | 20 | $ 1,500,000 | $ 75,000 | $ 84,000 |
| Clearfield, Pennsylvania | 20 | $ 1,200,000 | $ 60,000 | $ 78,000 |
| Clarion, Pennsylvania | 19 | $ 1,975,000 | $ 103,947 | $ 64,000 |
| Lycoming, Pennsylvania | 16 | $ 1,000,000 | $ 62,500 | $ 70,000 |
| Somerset, Pennsylvania | 15 | $ 1,185,000 | $ 79,000 | $ 115,000 |
| Adams, Pennsylvania | 13 | $ 985,000 | $ 75,769 | $ 68,000 |
| Bedford, Pennsylvania | 13 | $ 805,000 | $ 61,923 | $ 58,000 |
| Clinton, Pennsylvania | 13 | $ 805,000 | $ 61,923 | $ 54,000 |
| Bradford, Pennsylvania | 12 | $ 660,000 | $ 55,000 | $ 63,000 |
| Northumberland, Pennsylvania | 12 | $ 550,000 | $ 45,833 | $ 111,000 |
| Perry, Pennsylvania | 12 | $ 1,060,000 | $ 88,333 | $ 60,000 |
| Susquehanna, Pennsylvania | 12 | $ 1,340,000 | $ 111,666 | $ 89,000 |
| Columbia, Pennsylvania | 11 | $ 1,095,000 | $ 99,545 | $ 81,000 |
| Wyoming, Pennsylvania | 11 | $ 885,000 | $ 80,454 | $ 66,000 |
| Juniata, Pennsylvania | 9 | $ 935,000 | $ 103,888 | $ 58,000 |
| Warren, Pennsylvania | 8 | $ 590,000 | $ 73,750 | $ 106,000 |
| Greene, Pennsylvania | 7 | $ 495,000 | $ 70,714 | $ 126,000 |
| Jefferson, Pennsylvania | 6 | $ 460,000 | $ 76,666 | $ 86,000 |
| Fulton, Pennsylvania | 5 | $ 375,000 | $ 75,000 | $ 75,000 |
| Potter, Pennsylvania | 5 | $ 235,000 | $ 47,000 | $ 119,000 |
| Snyder, Pennsylvania | 5 | $ 265,000 | $ 53,000 | $ 53,000 |
| Union, Pennsylvania | 4 | $ 300,000 | $ 75,000 | $ 96,000 |
| Sussex, Delaware | 3 | $ 565,000 | $ 188,333 | $ 111,000 |
| McKean, Pennsylvania | 3 | $ 105,000 | $ 35,000 | $ 28,000 |
| Suffolk, New York | 2 | $ 410,000 | $ 205,000 | $ 93,000 |
| Columbiana, Ohio | 2 | $ 80,000 | $ 40,000 | $ 52,000 |
| Forest, Pennsylvania | 2 | $ 310,000 | $ 155,000 | $ 59,000 |
| Sullivan, Pennsylvania | 2 | $ 190,000 | $ 95,000 | $ 171,000 |
| Tioga, Pennsylvania | 2 | $ 70,000 | $ 35,000 | $ 76,000 |
| Kent, Delaware | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Pinellas, Florida | 1 | $ 75,000 | $ 75,000 | $ 26,000 |
| Harford, Maryland | 1 | $ 65,000 | $ 65,000 | $ 84,000 |
| Queen Anne's, Maryland | 1 | $ 105,000 | $ 105,000 | $ 150,000 |
| Hampden, Massachusetts | 1 | $ 75,000 | $ 75,000 | $ 86,000 |
| Middlesex, Massachusetts | 1 | $ 265,000 | $ 265,000 | $ 50,000 |
| Worcester, Massachusetts | 1 | $ 55,000 | $ 55,000 | $ 185,000 |
| Chautauqua, New York | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| Kings, New York | 1 | $ 635,000 | $ 635,000 | $ 753,000 |
| Nassau, New York | 1 | $ 305,000 | $ 305,000 | $ 50,000 |
| Queens, New York | 1 | $ 105,000 | $ 105,000 | $ 208,000 |
| Fairfield, Ohio | 1 | $ 125,000 | $ 125,000 | $ 148,000 |
| Stark, Ohio | 1 | $ 45,000 | $ 45,000 | $ 70,000 |
| Trumbull, Ohio | 1 | $ 55,000 | $ 55,000 | $ 24,000 |
| Cameron, Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 33,000 |
| Richmond City, Virginia | 1 | $ 21,785,000 | $ 21,785,000 | $ 0 |
Mortgage Loan Application Detail Totals for Citizens Bank of Pennsylvania 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 |
|---|---|---|---|---|---|---|
| Refinancing | 10,285 | $1,622,525,000 | $157,000 | $33,005,000 | $110,000 | $4,200,000 |
| Home Improvement | 7,246 | $644,330,000 | $88,000 | $2,405,000 | $104,000 | $4,303,000 |
| Other Purpose | 5,889 | $594,335,000 | $100,000 | $2,505,000 | $106,000 | $7,000,000 |
| Home Purchase | 934 | $153,070,000 | $163,000 | $9,995,000 | $106,000 | $5,000,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 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 | 15,646 | $1,925,710,000 | $123,000 | $2,505,000 | $108,000 | $5,000,000 |
| Not Provided | 4,132 | $528,570,000 | $127,000 | $2,405,000 | $132,000 | $7,000,000 |
| Black or African American | 1,933 | $146,825,000 | $75,000 | $725,000 | $64,000 | $2,032,000 |
| Asian | 1,627 | $245,615,000 | $150,000 | $1,605,000 | $102,000 | $5,000,000 |
| Hispanic | 801 | $71,235,000 | $88,000 | $855,000 | $81,000 | $1,658,000 |
| American Indian or Alaskan Native | 114 | $24,990,000 | $219,000 | $9,995,000 | $99,000 | $703,000 |
| Native Hawaiian or Other Pacific Islander | 64 | $7,290,000 | $113,000 | $645,000 | $78,000 | $268,000 |
| Not applicable | 6 | $60,270,000 | $10,045,000 | $33,005,000 | $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) | 24,354 | $3,014,260,000 | $123,000 | $33,005,000 | $107,000 | $7,000,000 |
| 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 | 11,387 | $1,300,215,000 | $114,000 | $9,995,000 | $95,000 | $7,000,000 |
| Loan Originated | 11,364 | $1,496,700,000 | $131,000 | $21,785,000 | $118,000 | $4,216,000 |
| Application Withdrawn By Applicant | 1,087 | $125,535,000 | $115,000 | $805,000 | $119,000 | $5,000,000 |
| Application Approved But Not Accepted | 516 | $91,810,000 | $177,000 | $33,005,000 | $102,000 | $913,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 12,967 | $1,714,045,000 | $132,000 | $33,005,000 | $118,000 | $5,000,000 |
| Debt-To-Income Ratio | 3,508 | $471,090,000 | $134,000 | $1,605,000 | $52,000 | $500,000 |
| Collateral | 3,155 | $303,715,000 | $96,000 | $2,005,000 | $116,000 | $4,200,000 |
| Unverifiable Information | 2,507 | $316,965,000 | $126,000 | $1,505,000 | $125,000 | $7,000,000 |
| Credit History | 1,948 | $166,420,000 | $85,000 | $9,995,000 | $88,000 | $1,390,000 |
| Other | 163 | $24,405,000 | $149,000 | $1,205,000 | $154,000 | $3,200,000 |
| Credit Application Incomplete | 78 | $14,060,000 | $180,000 | $1,505,000 | $160,000 | $1,347,000 |
| Employment History | 28 | $3,560,000 | $127,000 | $495,000 | $135,000 | $450,000 |
| 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 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 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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