Citizens Home Loans of America Mortgage Lending & HMDA Data, 2015
In 2015, Citizens Home Loans of America of Dayton, OH reported 1,333 mortgage applications totaling $182.2 million. The average application was for $136,675, and applicants reported an average income of $56,914. 78% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Dayton, OH (477), Cincinnati, OH-KY-IN (299) and Springfield, OH (114) (applications in parentheses).
| Mortgage Company & Address | Citizens Home Loans of America 7601 Paragon Rd., Suite 202 Dayton, OH 45459 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2013 |
| Total Number of Mortgage Applications | 1,333 |
| Total Mortgage Loan Application Amount | $182,188,000 |
| Average Mortgage Loan Application Amount | $136,675 |
| Highest Mortgage Loan Application Amount | $656,000 |
| Average Applicant Income | $56,914 |
| Highest Applicant Income | $494,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Home Loans of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Montgomery, Ohio | 335 | $ 39,920,000 | $ 119,164 | $ 56,000 |
| Clark, Ohio | 114 | $ 13,084,000 | $ 114,771 | $ 53,000 |
| Warren, Ohio | 103 | $ 18,799,000 | $ 182,514 | $ 73,000 |
| Hamilton, Ohio | 102 | $ 12,988,000 | $ 127,333 | $ 53,000 |
| Greene, Ohio | 94 | $ 13,902,000 | $ 147,893 | $ 65,000 |
| Butler, Ohio | 68 | $ 10,183,000 | $ 149,750 | $ 55,000 |
| Maricopa, Arizona | 59 | $ 10,562,000 | $ 179,016 | $ 51,000 |
| Miami, Ohio | 48 | $ 7,185,000 | $ 149,687 | $ 58,000 |
| Cuyahoga, Ohio | 38 | $ 5,404,000 | $ 142,210 | $ 67,000 |
| Franklin, Ohio | 32 | $ 3,815,000 | $ 119,218 | $ 46,000 |
| Summit, Ohio | 27 | $ 3,724,000 | $ 137,925 | $ 56,000 |
| Stark, Ohio | 22 | $ 2,775,000 | $ 126,136 | $ 73,000 |
| Clermont, Ohio | 19 | $ 2,506,000 | $ 131,894 | $ 49,000 |
| Champaign, Ohio | 17 | $ 1,971,000 | $ 115,941 | $ 48,000 |
| Allen, Ohio | 15 | $ 1,665,000 | $ 111,000 | $ 72,000 |
| Mahoning, Ohio | 14 | $ 1,606,000 | $ 114,714 | $ 50,000 |
| Preble, Ohio | 13 | $ 1,630,000 | $ 125,384 | $ 45,000 |
| Lake, Ohio | 11 | $ 1,392,000 | $ 126,545 | $ 31,000 |
| Shelby, Ohio | 11 | $ 1,302,000 | $ 118,363 | $ 54,000 |
| Clinton, Ohio | 10 | $ 1,551,000 | $ 155,100 | $ 63,000 |
| Trumbull, Ohio | 10 | $ 1,273,000 | $ 127,300 | $ 44,000 |
| Medina, Ohio | 8 | $ 1,104,000 | $ 138,000 | $ 55,000 |
| Darke, Ohio | 6 | $ 731,000 | $ 121,833 | $ 36,000 |
| Lorain, Ohio | 6 | $ 838,000 | $ 139,666 | $ 51,000 |
| Lucas, Ohio | 6 | $ 839,000 | $ 139,833 | $ 60,000 |
| Pinal, Arizona | 5 | $ 652,000 | $ 130,400 | $ 58,000 |
| Ashtabula, Ohio | 5 | $ 598,000 | $ 119,600 | $ 48,000 |
| Brown, Ohio | 5 | $ 704,000 | $ 140,800 | $ 74,000 |
| Delaware, Ohio | 5 | $ 832,000 | $ 166,400 | $ 26,000 |
| Fayette, Ohio | 5 | $ 472,000 | $ 94,400 | $ 44,000 |
| Ottawa, Ohio | 5 | $ 1,167,000 | $ 233,400 | $ 135,000 |
| Union, Ohio | 5 | $ 842,000 | $ 168,400 | $ 52,000 |
| Defiance, Ohio | 4 | $ 480,000 | $ 120,000 | $ 63,000 |
| Fairfield, Ohio | 4 | $ 575,000 | $ 143,750 | $ 47,000 |
| Guernsey, Ohio | 4 | $ 472,000 | $ 118,000 | $ 76,000 |
| Licking, Ohio | 4 | $ 455,000 | $ 113,750 | $ 29,000 |
| Morrow, Ohio | 4 | $ 565,000 | $ 141,250 | $ 26,000 |
| Portage, Ohio | 4 | $ 431,000 | $ 107,750 | $ 58,000 |
| Wood, Ohio | 4 | $ 586,000 | $ 146,500 | $ 41,000 |
| Auglaize, Ohio | 3 | $ 489,000 | $ 163,000 | $ 29,000 |
| Fulton, Ohio | 3 | $ 332,000 | $ 110,666 | $ 52,000 |
| Highland, Ohio | 3 | $ 377,000 | $ 125,666 | $ 51,000 |
| Hocking, Ohio | 3 | $ 339,000 | $ 113,000 | $ 13,000 |
| Madison, Ohio | 3 | $ 433,000 | $ 144,333 | $ 66,000 |
| Marion, Ohio | 3 | $ 564,000 | $ 188,000 | $ 38,000 |
| Mercer, Ohio | 3 | $ 524,000 | $ 174,666 | $ 48,000 |
| Davidson, Tennessee | 3 | $ 617,000 | $ 205,666 | $ 37,000 |
| Boone, Kentucky | 2 | $ 290,000 | $ 145,000 | $ 80,000 |
| Columbiana, Ohio | 2 | $ 306,000 | $ 153,000 | $ 40,000 |
| Crawford, Ohio | 2 | $ 199,000 | $ 99,500 | $ 21,000 |
| Geauga, Ohio | 2 | $ 292,000 | $ 146,000 | $ 55,000 |
| Hardin, Ohio | 2 | $ 238,000 | $ 119,000 | $ 38,000 |
| Henry, Ohio | 2 | $ 300,000 | $ 150,000 | $ 130,000 |
| Lawrence, Ohio | 2 | $ 229,000 | $ 114,500 | $ 23,000 |
| Putnam, Ohio | 2 | $ 193,000 | $ 96,500 | $ 43,000 |
| Richland, Ohio | 2 | $ 255,000 | $ 127,500 | $ 115,000 |
| Sandusky, Ohio | 2 | $ 212,000 | $ 106,000 | $ 44,000 |
| Maury, Tennessee | 2 | $ 314,000 | $ 157,000 | $ 74,000 |
| Cochise, Arizona | 1 | $ 117,000 | $ 117,000 | $ 37,000 |
| Pima, Arizona | 1 | $ 104,000 | $ 104,000 | $ 32,000 |
| Yavapai, Arizona | 1 | $ 126,000 | $ 126,000 | $ 73,000 |
| Yuma, Arizona | 1 | $ 112,000 | $ 112,000 | $ 30,000 |
| Los Angeles, California | 1 | $ 177,000 | $ 177,000 | $ 98,000 |
| Riverside, California | 1 | $ 305,000 | $ 305,000 | $ 87,000 |
| Stanislaus, California | 1 | $ 276,000 | $ 276,000 | $ 59,000 |
| Orange, Florida | 1 | $ 225,000 | $ 225,000 | $ 162,000 |
| Jefferson, Kentucky | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Ashland, Ohio | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Carroll, Ohio | 1 | $ 196,000 | $ 196,000 | $ 52,000 |
| Coshocton, Ohio | 1 | $ 167,000 | $ 167,000 | $ 75,000 |
| Erie, Ohio | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Hancock, Ohio | 1 | $ 111,000 | $ 111,000 | $ 71,000 |
| Holmes, Ohio | 1 | $ 96,000 | $ 96,000 | $ 35,000 |
| Jackson, Ohio | 1 | $ 118,000 | $ 118,000 | $ 34,000 |
| Jefferson, Ohio | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Logan, Ohio | 1 | $ 127,000 | $ 127,000 | $ 54,000 |
| Muskingum, Ohio | 1 | $ 113,000 | $ 113,000 | $ 90,000 |
| Perry, Ohio | 1 | $ 97,000 | $ 97,000 | $ 39,000 |
| Scioto, Ohio | 1 | $ 130,000 | $ 130,000 | $ 76,000 |
| Tuscarawas, Ohio | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Wayne, Ohio | 1 | $ 249,000 | $ 249,000 | $ 115,000 |
| Claiborne, Tennessee | 1 | $ 244,000 | $ 244,000 | $ 110,000 |
| Rhea, Tennessee | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Robertson, Tennessee | 1 | $ 169,000 | $ 169,000 | $ 32,000 |
| Williamson, Tennessee | 1 | $ 247,000 | $ 247,000 | $ 104,000 |
| Wilson, Tennessee | 1 | $ 302,000 | $ 302,000 | $ 0 |
Mortgage Loan Application Detail Totals for Citizens Home Loans of America in 2015
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 Purchase | 716 | $95,397,000 | $133,000 | $656,000 | $62,000 | $494,000 |
| Refinancing | 592 | $83,441,000 | $140,000 | $345,000 | $50,000 | $425,000 |
| Home Improvement | 25 | $3,350,000 | $134,000 | $267,000 | $75,000 | $217,000 |
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 | 1,074 | $146,944,000 | $136,000 | $656,000 | $57,000 | $494,000 |
| Black or African American | 112 | $14,852,000 | $132,000 | $369,000 | $50,000 | $149,000 |
| Not Provided | 101 | $15,209,000 | $150,000 | $349,000 | $63,000 | $200,000 |
| Hispanic | 39 | $4,336,000 | $111,000 | $333,000 | $46,000 | $201,000 |
| American Indian or Alaskan Native | 3 | $370,000 | $123,000 | $135,000 | $67,000 | $87,000 |
| Asian | 3 | $382,000 | $127,000 | $147,000 | $69,000 | $92,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $95,000 | $95,000 | $95,000 | $51,000 | $51,000 |
| Not applicable | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 922 | $119,439,000 | $129,000 | $324,000 | $49,000 | $350,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 271 | $40,278,000 | $148,000 | $656,000 | $82,000 | $494,000 |
| VA-guaranteed (Veterans Administration) | 120 | $20,461,000 | $170,000 | $387,000 | $62,000 | $200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,010,000 | $100,000 | $187,000 | $39,000 | $62,000 |
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 | 1,041 | $143,956,000 | $138,000 | $544,000 | $57,000 | $425,000 |
| Application Denied By Financial Institution | 172 | $22,545,000 | $131,000 | $367,000 | $56,000 | $261,000 |
| Application Withdrawn By Applicant | 61 | $8,421,000 | $138,000 | $656,000 | $56,000 | $494,000 |
| File Closed For Incompleteness | 49 | $6,150,000 | $125,000 | $320,000 | $51,000 | $160,000 |
| Application Approved But Not Accepted | 10 | $1,116,000 | $111,000 | $207,000 | $29,000 | $94,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 20 | $2,814,000 | $140,000 | $260,000 | $76,000 | $261,000 |
| Credit History | 16 | $1,650,000 | $103,000 | $168,000 | $46,000 | $123,000 |
| Debt-To-Income Ratio | 16 | $2,466,000 | $154,000 | $367,000 | $53,000 | $171,000 |
| Other | 9 | $1,017,000 | $113,000 | $215,000 | $70,000 | $131,000 |
| Employment History | 5 | $660,000 | $132,000 | $260,000 | $48,000 | $91,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $218,000 | $109,000 | $123,000 | $52,000 | $60,000 |
| Unverifiable Information | 2 | $263,000 | $131,000 | $152,000 | $72,000 | $80,000 |
| Credit Application Incomplete | 1 | $160,000 | $160,000 | $160,000 | $52,000 | $52,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Home Loans of America's 2015 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 Home Loans of America'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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