Citizens Bank of Pennsylvania Mortgage Lending & HMDA Data, 2016
In 2016, Citizens Bank of Pennsylvania of Philadelphia, PA reported 2,277 mortgage applications totaling $606.5 million, down 39% from 2015. The average application was for $266,352, and applicants reported an average income of $23,025. 13% of its applications resulted in an originated loan and 51% were denied. Its largest markets were Philadelphia, PA (698), Pittsburgh, PA (351) and Reading, PA (133) (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 | 2,277 |
| Total Mortgage Loan Application Amount | $606,484,000 |
| Average Mortgage Loan Application Amount | $266,352 |
| Highest Mortgage Loan Application Amount | $22,600,000 |
| Average Applicant Income | $23,025 |
| Highest Applicant Income | $511,000 |
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records Citizens Bank of Pennsylvania filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 698 | $ 40,799,000 | $ 58,451 | $ 32,000 |
| Pittsburgh, PA | 351 | $ 4,986,000 | $ 14,205 | $ 37,000 |
| Reading, PA | 133 | $ 1,089,000 | $ 8,187 | $ 31,000 |
| Montgomery County-Bucks County-Chester County, PA | 69 | $ 18,606,000 | $ 269,652 | $ 56,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 59 | $ 456,000 | $ 7,728 | $ 32,000 |
| Seattle-Bellevue-Everett, WA | 49 | $ 35,358,000 | $ 721,591 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 41 | $ 33,423,000 | $ 815,195 | $ 0 |
| Altoona, PA | 36 | $ 280,000 | $ 7,777 | $ 29,000 |
| Dallas-Plano-Irving, TX | 34 | $ 19,809,000 | $ 582,617 | $ 0 |
| Denver-Aurora-Lakewood, CO | 34 | $ 22,634,000 | $ 665,705 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 28 | $ 21,280,000 | $ 760,000 | $ 0 |
| Camden, NJ | 27 | $ 255,000 | $ 9,444 | $ 62,000 |
| Chicago-Naperville-Arlington Heights, IL | 26 | $ 17,880,000 | $ 687,692 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 26 | $ 23,347,000 | $ 897,961 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 25 | $ 14,707,000 | $ 588,280 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 24 | $ 21,185,000 | $ 882,708 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 24 | $ 18,069,000 | $ 752,875 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 23 | $ 17,689,000 | $ 769,086 | $ 0 |
| Erie, PA | 22 | $ 160,000 | $ 7,272 | $ 30,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 21 | $ 12,853,000 | $ 612,047 | $ 0 |
| Austin-Round Rock, TX | 20 | $ 13,611,000 | $ 680,550 | $ 0 |
| Harrisburg-Carlisle, PA | 19 | $ 422,000 | $ 22,210 | $ 32,000 |
| Atlanta-Sandy Springs-Roswell, GA | 14 | $ 9,381,000 | $ 670,071 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 13 | $ 9,115,000 | $ 701,153 | $ 0 |
| San Rafael, CA | 13 | $ 10,614,000 | $ 816,461 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 13 | $ 8,973,000 | $ 690,230 | $ 0 |
| Lancaster, PA | 12 | $ 4,182,000 | $ 348,500 | $ 27,000 |
| Las Vegas-Henderson-Paradise, NV | 12 | $ 6,966,000 | $ 580,500 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 10 | $ 5,923,000 | $ 592,300 | $ 0 |
| San Diego-Carlsbad, CA | 10 | $ 6,882,000 | $ 688,200 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 10 | $ 73,000 | $ 7,300 | $ 28,000 |
| San Antonio-New Braunfels, TX | 9 | $ 5,471,000 | $ 607,888 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 8 | $ 4,675,000 | $ 584,375 | $ 0 |
| Santa Cruz-Watsonville, CA | 8 | $ 6,236,000 | $ 779,500 | $ 0 |
| Boulder, CO | 7 | $ 5,372,000 | $ 767,428 | $ 0 |
| Newark, NJ-PA | 7 | $ 2,633,000 | $ 376,142 | $ 22,285 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 7 | $ 3,365,000 | $ 480,714 | $ 0 |
| Santa Rosa, CA | 7 | $ 5,247,000 | $ 749,571 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 6,351,000 | $ 907,285 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 4,595,000 | $ 656,428 | $ 0 |
| Cambridge-Newton-Framingham, MA | 6 | $ 3,762,000 | $ 627,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 3,622,000 | $ 603,666 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 6 | $ 5,081,000 | $ 846,833 | $ 15,333 |
| Boston, MA | 5 | $ 3,730,000 | $ 746,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 2,883,000 | $ 576,600 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 3,084,000 | $ 616,800 | $ 0 |
| Reno, NV | 5 | $ 2,735,000 | $ 547,000 | $ 0 |
| Silver Spring-Frederick-Rockville, MD | 5 | $ 3,491,000 | $ 698,200 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 3,655,000 | $ 731,000 | $ 0 |
| York-Hanover, PA | 5 | $ 35,000 | $ 7,000 | $ 46,000 |
| Bend-Redmond, OR | 4 | $ 2,260,000 | $ 565,000 | $ 0 |
| East Stroudsburg, PA | 4 | $ 31,000 | $ 7,750 | $ 37,000 |
| Flagstaff, AZ | 4 | $ 1,983,000 | $ 495,750 | $ 0 |
| Fort Collins, CO | 4 | $ 2,216,000 | $ 554,000 | $ 0 |
| Kansas City, MO-KS | 4 | $ 2,733,000 | $ 683,250 | $ 0 |
| Lake County-Kenosha County, IL-WI | 4 | $ 2,922,000 | $ 730,500 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 2,419,000 | $ 604,750 | $ 0 |
| New Orleans-Metairie, LA | 4 | $ 3,231,000 | $ 807,750 | $ 0 |
| Raleigh, NC | 4 | $ 2,203,000 | $ 550,750 | $ 0 |
| Salt Lake City, UT | 4 | $ 2,934,000 | $ 733,500 | $ 0 |
| Spokane-Spokane Valley, WA | 4 | $ 2,454,000 | $ 613,500 | $ 0 |
| Wenatchee, WA | 4 | $ 2,555,000 | $ 638,750 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 28,000 | $ 9,333 | $ 33,000 |
| Baton Rouge, LA | 3 | $ 2,002,000 | $ 667,333 | $ 0 |
| Birmingham-Hoover, AL | 3 | $ 1,913,000 | $ 637,666 | $ 0 |
| Bremerton-Silverdale, WA | 3 | $ 1,805,000 | $ 601,666 | $ 0 |
| Colorado Springs, CO | 3 | $ 1,843,000 | $ 614,333 | $ 0 |
| Jacksonville, FL | 3 | $ 1,808,000 | $ 602,666 | $ 0 |
| Modesto, CA | 3 | $ 2,217,000 | $ 739,000 | $ 0 |
| Nassau County-Suffolk County, NY | 3 | $ 1,457,000 | $ 485,666 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 2,967,000 | $ 989,000 | $ 0 |
| Richmond, VA | 3 | $ 2,388,000 | $ 796,000 | $ 0 |
| Salinas, CA | 3 | $ 1,836,000 | $ 612,000 | $ 0 |
| Salisbury, MD-DE | 3 | $ 3,046,000 | $ 1,015,333 | $ 0 |
| Tucson, AZ | 3 | $ 1,617,000 | $ 539,000 | $ 0 |
| Baltimore-Columbia-Towson, MD | 2 | $ 1,469,000 | $ 734,500 | $ 0 |
| Boise City, ID | 2 | $ 972,000 | $ 486,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 1,018,000 | $ 509,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 1,012,000 | $ 506,000 | $ 0 |
| Fort Worth-Arlington, TX | 2 | $ 1,007,000 | $ 503,500 | $ 0 |
| Fresno, CA | 2 | $ 942,000 | $ 471,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 1,252,000 | $ 626,000 | $ 0 |
| Midland, TX | 2 | $ 1,455,000 | $ 727,500 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 1,129,000 | $ 564,500 | $ 0 |
| Napa, CA | 2 | $ 1,658,000 | $ 829,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 1,581,000 | $ 790,500 | $ 0 |
| Ogden-Clearfield, UT | 2 | $ 974,000 | $ 487,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 1,500,000 | $ 750,000 | $ 0 |
| Prescott, AZ | 2 | $ 1,072,000 | $ 536,000 | $ 0 |
| Providence-Warwick, RI-MA | 2 | $ 1,236,000 | $ 618,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 2 | $ 1,008,000 | $ 504,000 | $ 0 |
| Stockton-Lodi, CA | 2 | $ 1,181,000 | $ 590,500 | $ 0 |
| Visalia-Porterville, CA | 2 | $ 1,791,000 | $ 895,500 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 1,033,000 | $ 516,500 | $ 0 |
| Albany, OR | 1 | $ 499,000 | $ 499,000 | $ 0 |
| Albuquerque, NM | 1 | $ 503,000 | $ 503,000 | $ 0 |
| Ann Arbor, MI | 1 | $ 508,000 | $ 508,000 | $ 0 |
| Asheville, NC | 1 | $ 459,000 | $ 459,000 | $ 0 |
| Bakersfield, CA | 1 | $ 943,000 | $ 943,000 | $ 0 |
| Bellingham, WA | 1 | $ 568,000 | $ 568,000 | $ 0 |
| Billings, MT | 1 | $ 493,000 | $ 493,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 732,000 | $ 732,000 | $ 0 |
| Chambersburg-Waynesboro, PA | 1 | $ 2,000 | $ 2,000 | $ 25,000 |
| Charlottesville, VA | 1 | $ 479,000 | $ 479,000 | $ 0 |
| Chattanooga, TN-GA | 1 | $ 487,000 | $ 487,000 | $ 0 |
| Cleveland-Elyria, OH | 1 | $ 869,000 | $ 869,000 | $ 0 |
| Columbia, MO | 1 | $ 734,000 | $ 734,000 | $ 0 |
| Columbus, OH | 1 | $ 499,000 | $ 499,000 | $ 0 |
| Corvallis, OR | 1 | $ 489,000 | $ 489,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 586,000 | $ 586,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 1 | $ 810,000 | $ 810,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 513,000 | $ 513,000 | $ 0 |
| Elgin, IL | 1 | $ 481,000 | $ 481,000 | $ 0 |
| Gainesville, GA | 1 | $ 1,157,000 | $ 1,157,000 | $ 0 |
| Grants Pass, OR | 1 | $ 494,000 | $ 494,000 | $ 0 |
| Greeley, CO | 1 | $ 474,000 | $ 474,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 991,000 | $ 991,000 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 499,000 | $ 499,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 410,000 | $ 410,000 | $ 0 |
| Johnstown, PA | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Kalamazoo-Portage, MI | 1 | $ 616,000 | $ 616,000 | $ 0 |
| Lake Charles, LA | 1 | $ 433,000 | $ 433,000 | $ 0 |
| Lubbock, TX | 1 | $ 502,000 | $ 502,000 | $ 0 |
| Madera, CA | 1 | $ 547,000 | $ 547,000 | $ 0 |
| Madison, WI | 1 | $ 639,000 | $ 639,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 506,000 | $ 506,000 | $ 0 |
| Merced, CA | 1 | $ 440,000 | $ 440,000 | $ 0 |
| Mount Vernon-Anacortes, WA | 1 | $ 441,000 | $ 441,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 496,000 | $ 496,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 602,000 | $ 602,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Portland-South Portland, ME | 1 | $ 478,000 | $ 478,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 762,000 | $ 762,000 | $ 0 |
| Salem, OR | 1 | $ 596,000 | $ 596,000 | $ 0 |
| Santa Fe, NM | 1 | $ 731,000 | $ 731,000 | $ 0 |
| Springfield, MA | 1 | $ 585,000 | $ 585,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 688,000 | $ 688,000 | $ 0 |
| State College, PA | 1 | $ 2,000 | $ 2,000 | $ 25,000 |
| Tacoma-Lakewood, WA | 1 | $ 526,000 | $ 526,000 | $ 0 |
| Trenton, NJ | 1 | $ 534,000 | $ 534,000 | $ 0 |
| Vallejo-Fairfield, CA | 1 | $ 467,000 | $ 467,000 | $ 0 |
| Worcester, MA-CT | 1 | $ 538,000 | $ 538,000 | $ 0 |
| Yuba City, CA | 1 | $ 506,000 | $ 506,000 | $ 0 |
Mortgage Loan Application Detail Totals for Citizens Bank of Pennsylvania in 2016
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 | 1,498 | $60,844,000 | $40,000 | $22,600,000 | $35,000 | $511,000 |
| Home Purchase | 402 | $273,891,000 | $681,000 | $4,125,000 | $0 | $0 |
| Refinancing | 377 | $271,749,000 | $720,000 | $2,000,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 785 | $594,490,000 | $757,000 | $22,600,000 | $0 | $0 |
| White | 650 | $5,265,000 | $8,000 | $25,000 | $37,000 | $175,000 |
| Black or African American | 554 | $4,276,000 | $7,000 | $15,000 | $32,000 | $408,000 |
| Hispanic | 214 | $1,811,000 | $8,000 | $22,000 | $32,000 | $511,000 |
| Asian | 37 | $326,000 | $8,000 | $25,000 | $36,000 | $95,000 |
| Not Provided | 25 | $219,000 | $8,000 | $25,000 | $43,000 | $118,000 |
| American Indian or Alaskan Native | 8 | $69,000 | $8,000 | $10,000 | $38,000 | $64,000 |
| Native Hawaiin or Other Pacific Islander | 4 | $28,000 | $7,000 | $15,000 | $27,000 | $42,000 |
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) | 2,277 | $606,484,000 | $266,000 | $22,600,000 | $23,000 | $511,000 |
| 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 | 1,150 | $10,319,000 | $8,000 | $975,000 | $35,000 | $511,000 |
| Loan Purchased By The Institution | 776 | $538,760,000 | $694,000 | $2,000,000 | $0 | $0 |
| Loan Originated | 303 | $57,080,000 | $188,000 | $22,600,000 | $34,000 | $116,000 |
| Application Approved But Not Accepted | 44 | $305,000 | $6,000 | $10,000 | $34,000 | $96,000 |
| Application Withdrawn By Applicant | 4 | $20,000 | $5,000 | $10,000 | $47,000 | $106,000 |
| 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 | 457 | $3,405,000 | $7,000 | $15,000 | $31,000 | $152,000 |
| Debt-To-Income Ratio | 363 | $3,097,000 | $8,000 | $15,000 | $29,000 | $171,000 |
| Other | 268 | $3,275,000 | $12,000 | $975,000 | $48,000 | $511,000 |
| Unverifiable Information | 59 | $512,000 | $8,000 | $15,000 | $38,000 | $240,000 |
| Employment History | 3 | $30,000 | $10,000 | $10,000 | $30,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank of Pennsylvania's 2016 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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