Citizens Home Loans Of America
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Citizens Home Loans Of America 2015 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | $135,666 |
| Highest Mortgage Loan Application Amount | $656,000 |
| Average Applicant Income | $62,333 |
| Highest Applicant Income | $494,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Citizens Home Loans Of America. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Citizens Home Loans Of America's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Citizens Home Loans Of America's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Citizens Home Loans Of America serves its applicants.
Each category highlights the total number of mortgage applications processed by Citizens Home Loans Of America, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Citizens Home Loans Of America's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery County Ohio | 335 | $ 39,920,000 | $ 119,000 | $ 56,000 |
| Clark County Ohio | 114 | $ 13,084,000 | $ 114,000 | $ 53,000 |
| Warren County Ohio | 103 | $ 18,799,000 | $ 182,000 | $ 73,000 |
| Hamilton County Ohio | 102 | $ 12,988,000 | $ 127,000 | $ 53,000 |
| Greene County Ohio | 94 | $ 13,902,000 | $ 147,000 | $ 65,000 |
| Butler County Ohio | 68 | $ 10,183,000 | $ 149,000 | $ 55,000 |
| Maricopa County Arizona | 59 | $ 10,562,000 | $ 179,000 | $ 51,000 |
| Miami County Ohio | 48 | $ 7,185,000 | $ 149,000 | $ 58,000 |
| Cuyahoga County Ohio | 38 | $ 5,404,000 | $ 142,000 | $ 67,000 |
| Franklin County Ohio | 32 | $ 3,815,000 | $ 119,000 | $ 46,000 |
| Summit County Ohio | 27 | $ 3,724,000 | $ 137,000 | $ 56,000 |
| Stark County Ohio | 22 | $ 2,775,000 | $ 126,000 | $ 73,000 |
| Clermont County Ohio | 19 | $ 2,506,000 | $ 131,000 | $ 49,000 |
| Champaign County Ohio | 17 | $ 1,971,000 | $ 115,000 | $ 48,000 |
| Allen County Ohio | 15 | $ 1,665,000 | $ 111,000 | $ 72,000 |
| Mahoning County Ohio | 14 | $ 1,606,000 | $ 114,000 | $ 50,000 |
| Preble County Ohio | 13 | $ 1,630,000 | $ 125,000 | $ 45,000 |
| Lake County Ohio | 11 | $ 1,392,000 | $ 126,000 | $ 31,000 |
| Shelby County Ohio | 11 | $ 1,302,000 | $ 118,000 | $ 54,000 |
| Clinton County Ohio | 10 | $ 1,551,000 | $ 155,000 | $ 63,000 |
| Trumbull County Ohio | 10 | $ 1,273,000 | $ 127,000 | $ 44,000 |
| Medina County Ohio | 8 | $ 1,104,000 | $ 138,000 | $ 55,000 |
| Darke County Ohio | 6 | $ 731,000 | $ 121,000 | $ 36,000 |
| Lorain County Ohio | 6 | $ 838,000 | $ 139,000 | $ 51,000 |
| Lucas County Ohio | 6 | $ 839,000 | $ 139,000 | $ 60,000 |
| Pinal County Arizona | 5 | $ 652,000 | $ 130,000 | $ 58,000 |
| Ashtabula County Ohio | 5 | $ 598,000 | $ 119,000 | $ 48,000 |
| Brown County Ohio | 5 | $ 704,000 | $ 140,000 | $ 74,000 |
| Delaware County Ohio | 5 | $ 832,000 | $ 166,000 | $ 26,000 |
| Fayette County Ohio | 5 | $ 472,000 | $ 94,000 | $ 44,000 |
| Ottawa County Ohio | 5 | $ 1,167,000 | $ 233,000 | $ 135,000 |
| Union County Ohio | 5 | $ 842,000 | $ 168,000 | $ 52,000 |
| Defiance County Ohio | 4 | $ 480,000 | $ 120,000 | $ 63,000 |
| Fairfield County Ohio | 4 | $ 575,000 | $ 143,000 | $ 47,000 |
| Guernsey County Ohio | 4 | $ 472,000 | $ 118,000 | $ 76,000 |
| Licking County Ohio | 4 | $ 455,000 | $ 113,000 | $ 29,000 |
| Morrow County Ohio | 4 | $ 565,000 | $ 141,000 | $ 26,000 |
| Portage County Ohio | 4 | $ 431,000 | $ 107,000 | $ 58,000 |
| Wood County Ohio | 4 | $ 586,000 | $ 146,000 | $ 41,000 |
| Auglaize County Ohio | 3 | $ 489,000 | $ 163,000 | $ 29,000 |
| Fulton County Ohio | 3 | $ 332,000 | $ 110,000 | $ 52,000 |
| Highland County Ohio | 3 | $ 377,000 | $ 125,000 | $ 51,000 |
| Hocking County Ohio | 3 | $ 339,000 | $ 113,000 | $ 13,000 |
| Madison County Ohio | 3 | $ 433,000 | $ 144,000 | $ 66,000 |
| Marion County Ohio | 3 | $ 564,000 | $ 188,000 | $ 38,000 |
| Mercer County Ohio | 3 | $ 524,000 | $ 174,000 | $ 48,000 |
| Davidson County Tennessee | 3 | $ 617,000 | $ 205,000 | $ 37,000 |
| Boone County Kentucky | 2 | $ 290,000 | $ 145,000 | $ 80,000 |
| Columbiana County Ohio | 2 | $ 306,000 | $ 153,000 | $ 40,000 |
| Crawford County Ohio | 2 | $ 199,000 | $ 99,000 | $ 21,000 |
| Geauga County Ohio | 2 | $ 292,000 | $ 146,000 | $ 55,000 |
| Hardin County Ohio | 2 | $ 238,000 | $ 119,000 | $ 38,000 |
| Henry County Ohio | 2 | $ 300,000 | $ 150,000 | $ 130,000 |
| Lawrence County Ohio | 2 | $ 229,000 | $ 114,000 | $ 23,000 |
| Putnam County Ohio | 2 | $ 193,000 | $ 96,000 | $ 43,000 |
| Richland County Ohio | 2 | $ 255,000 | $ 127,000 | $ 115,000 |
| Sandusky County Ohio | 2 | $ 212,000 | $ 106,000 | $ 44,000 |
| Maury County Tennessee | 2 | $ 314,000 | $ 157,000 | $ 74,000 |
| Cochise County Arizona | 1 | $ 117,000 | $ 117,000 | $ 37,000 |
| Pima County Arizona | 1 | $ 104,000 | $ 104,000 | $ 32,000 |
| Yavapai County Arizona | 1 | $ 126,000 | $ 126,000 | $ 73,000 |
| Yuma County Arizona | 1 | $ 112,000 | $ 112,000 | $ 30,000 |
| Los Angeles County California | 1 | $ 177,000 | $ 177,000 | $ 98,000 |
| Riverside County California | 1 | $ 305,000 | $ 305,000 | $ 87,000 |
| Stanislaus County California | 1 | $ 276,000 | $ 276,000 | $ 59,000 |
| Orange County Florida | 1 | $ 225,000 | $ 225,000 | $ 162,000 |
| Jefferson County Kentucky | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Ashland County Ohio | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Carroll County Ohio | 1 | $ 196,000 | $ 196,000 | $ 52,000 |
| Coshocton County Ohio | 1 | $ 167,000 | $ 167,000 | $ 75,000 |
| Erie County Ohio | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Hancock County Ohio | 1 | $ 111,000 | $ 111,000 | $ 71,000 |
| Holmes County Ohio | 1 | $ 96,000 | $ 96,000 | $ 35,000 |
| Jackson County Ohio | 1 | $ 118,000 | $ 118,000 | $ 34,000 |
| Jefferson County Ohio | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Logan County Ohio | 1 | $ 127,000 | $ 127,000 | $ 54,000 |
| Muskingum County Ohio | 1 | $ 113,000 | $ 113,000 | $ 90,000 |
| Perry County Ohio | 1 | $ 97,000 | $ 97,000 | $ 39,000 |
| Scioto County Ohio | 1 | $ 130,000 | $ 130,000 | $ 76,000 |
| Tuscarawas County Ohio | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Wayne County Ohio | 1 | $ 249,000 | $ 249,000 | $ 115,000 |
| Claiborne County Tennessee | 1 | $ 244,000 | $ 244,000 | $ 110,000 |
| Rhea County Tennessee | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Robertson County Tennessee | 1 | $ 169,000 | $ 169,000 | $ 32,000 |
| Williamson County Tennessee | 1 | $ 247,000 | $ 247,000 | $ 104,000 |
| Wilson County 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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with aggregated HMDA statistics today.