Cit Bank, National Association Mortgage Lending & HMDA Data, 2012

In 2012, Cit Bank, National Association of Pasadena, CA reported 5,133 mortgage applications totaling $1.7 billion, up 14% from 2011. The average application was for $325,813, and applicants reported an average income of $111,518. 61% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (853), New York-White Plains-Wayne, NY-NJ (340) and Riverside-San Bernardino-Ontario, CA (247) (applications in parentheses).

Mortgage Company & Address Cit Bank, National Association
75 N. Fair Oaks Ave.
Pasadena, CA 91103
Tel #: available with data download
Federal Regulator * available with data download
Years 2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 5,133
Total Mortgage Loan Application Amount $1,672,403,000
Average Mortgage Loan Application Amount $325,813
Highest Mortgage Loan Application Amount $7,100,000
Average Applicant Income $111,518
Highest Applicant Income $9,999,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cit Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Cit Bank, National Association by County in 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 853 $ 479,602,000 $ 562,253 $ 204,000
Orange, California 170 $ 87,313,000 $ 513,605 $ 218,000
San Diego, California 128 $ 72,892,000 $ 569,468 $ 123,000
San Bernardino, California 126 $ 43,286,000 $ 343,539 $ 76,000
Riverside, California 121 $ 32,219,000 $ 266,272 $ 66,000
Suffolk, New York 102 $ 32,095,000 $ 314,656 $ 113,000
Nassau, New York 87 $ 26,898,000 $ 309,172 $ 126,000
Maricopa, Arizona 83 $ 18,025,000 $ 217,168 $ 46,000
Queens, New York 68 $ 21,173,000 $ 311,367 $ 106,000
Clark, Nevada 66 $ 14,297,000 $ 216,621 $ 24,000
Ventura, California 65 $ 30,796,000 $ 473,784 $ 161,000
Westchester, New York 61 $ 20,441,000 $ 335,098 $ 118,000
Cook, Illinois 54 $ 12,517,000 $ 231,796 $ 40,000
Kings, New York 53 $ 17,833,000 $ 336,471 $ 115,000
Santa Clara, California 50 $ 21,546,000 $ 430,920 $ 120,000
Sacramento, California 49 $ 11,877,000 $ 242,387 $ 51,000
Contra Costa, California 46 $ 15,048,000 $ 327,130 $ 72,000
Alameda, California 43 $ 15,788,000 $ 367,162 $ 121,000
Broward, Florida 39 $ 7,918,000 $ 203,025 $ 36,000
Miami-Dade, Florida 38 $ 9,084,000 $ 239,052 $ 81,000
Richmond, New York 38 $ 11,833,000 $ 311,394 $ 87,000
Prince George's, Maryland 32 $ 8,343,000 $ 260,718 $ 36,000
King, Washington 29 $ 8,214,000 $ 283,241 $ 103,000
Kern, California 28 $ 6,822,000 $ 243,642 $ 71,000
Fresno, California 27 $ 7,066,000 $ 261,703 $ 122,000
New Haven, Connecticut 25 $ 5,829,000 $ 233,160 $ 93,000
Montgomery, Maryland 25 $ 6,488,000 $ 259,520 $ 84,000
Bergen, New Jersey 25 $ 7,544,000 $ 301,760 $ 112,000
Palm Beach, Florida 24 $ 5,485,000 $ 228,541 $ 83,000
San Luis Obispo, California 23 $ 9,423,000 $ 409,695 $ 122,000
San Mateo, California 23 $ 10,630,000 $ 462,173 $ 147,000
Stanislaus, California 22 $ 4,885,000 $ 222,045 $ 22,000
Hawaii, Hawaii 22 $ 7,380,000 $ 335,454 $ 74,000
Bronx, New York 22 $ 6,655,000 $ 302,500 $ 77,000
Sonoma, California 21 $ 7,233,000 $ 344,428 $ 84,000
Fairfax, Virginia 21 $ 6,259,000 $ 298,047 $ 137,000
Snohomish, Washington 21 $ 5,037,000 $ 239,857 $ 58,000
Hillsborough, Florida 20 $ 3,907,000 $ 195,350 $ 42,000
Middlesex, Massachusetts 20 $ 5,360,000 $ 268,000 $ 68,000
Washoe, Nevada 20 $ 5,032,000 $ 251,600 $ 39,000
Middlesex, New Jersey 20 $ 6,282,000 $ 314,100 $ 75,000
New York, New York 20 $ 20,537,000 $ 1,026,850 $ 1,668,000
Santa Barbara, California 19 $ 11,435,000 $ 601,842 $ 199,000
Honolulu, Hawaii 19 $ 7,523,000 $ 395,947 $ 93,000
Dutchess, New York 19 $ 5,016,000 $ 264,000 $ 96,000
Multnomah, Oregon 19 $ 3,884,000 $ 204,421 $ 59,000
District of Columbia, District Of Columbia 18 $ 4,475,000 $ 248,611 $ 57,000
Essex, New Jersey 18 $ 5,144,000 $ 285,777 $ 46,000
Monmouth, New Jersey 18 $ 4,648,000 $ 258,222 $ 64,000
Union, New Jersey 18 $ 4,085,000 $ 226,944 $ 35,000
Monterey, California 17 $ 6,087,000 $ 358,058 $ 81,000
Placer, California 17 $ 5,561,000 $ 327,117 $ 81,000
San Francisco, California 17 $ 8,490,000 $ 499,411 $ 145,000
San Joaquin, California 17 $ 4,046,000 $ 238,000 $ 39,000
Hudson, New Jersey 17 $ 5,121,000 $ 301,235 $ 59,000
Pierce, Washington 17 $ 4,130,000 $ 242,941 $ 55,000
Fairfield, Connecticut 16 $ 4,389,000 $ 274,312 $ 90,000
Duval, Florida 16 $ 3,027,000 $ 189,187 $ 40,000
Maui, Hawaii 16 $ 6,687,000 $ 417,937 $ 111,000
Providence, Rhode Island 16 $ 3,478,000 $ 217,375 $ 26,000
Travis, Texas 16 $ 2,513,000 $ 157,062 $ 154,000
Fulton, Georgia 15 $ 2,870,000 $ 191,333 $ 61,000
Worcester, Massachusetts 15 $ 3,370,000 $ 224,666 $ 74,000
Camden, New Jersey 15 $ 2,750,000 $ 183,333 $ 55,000
Bernalillo, New Mexico 15 $ 2,214,000 $ 147,600 $ 35,000
El Paso, Colorado 14 $ 2,882,000 $ 205,857 $ 78,000
DuPage, Illinois 14 $ 3,179,000 $ 227,071 $ 74,000
Baltimore, Maryland 14 $ 2,867,000 $ 204,785 $ 47,000
Rockland, New York 14 $ 4,288,000 $ 306,285 $ 152,000
Harris, Texas 14 $ 1,736,000 $ 124,000 $ 147,000
Marin, California 13 $ 7,054,000 $ 542,615 $ 264,000
DeKalb, Georgia 13 $ 2,182,000 $ 167,846 $ 64,000
Baltimore City, Maryland 13 $ 2,351,000 $ 180,846 $ 35,000
Suffolk, Massachusetts 13 $ 3,889,000 $ 299,153 $ 88,000
Ocean, New Jersey 13 $ 3,194,000 $ 245,692 $ 110,000
Passaic, New Jersey 13 $ 3,704,000 $ 284,923 $ 43,000
Pinal, Arizona 12 $ 2,189,000 $ 182,416 $ 15,000
Nevada, California 12 $ 3,621,000 $ 301,750 $ 87,000
Arapahoe, Colorado 12 $ 6,383,000 $ 531,916 $ 89,000
Denver, Colorado 12 $ 3,240,000 $ 270,000 $ 147,000
Ada, Idaho 12 $ 2,076,000 $ 173,000 $ 20,000
Anne Arundel, Maryland 12 $ 3,241,000 $ 270,083 $ 65,000
Orange, New York 12 $ 2,411,000 $ 200,916 $ 35,000
Mecklenburg, North Carolina 12 $ 2,553,000 $ 212,750 $ 97,000
Horry, South Carolina 12 $ 4,301,000 $ 358,416 $ 196,000
Bexar, Texas 12 $ 1,379,000 $ 114,916 $ 91,000
Mohave, Arizona 11 $ 1,950,000 $ 177,272 $ 46,000
Tulare, California 11 $ 2,133,000 $ 193,909 $ 36,000
Brevard, Florida 11 $ 1,608,000 $ 146,181 $ 22,000
Lee, Florida 11 $ 2,014,000 $ 183,090 $ 53,000
Orange, Florida 11 $ 2,505,000 $ 227,727 $ 87,000
Bristol, Massachusetts 11 $ 2,694,000 $ 244,909 $ 38,000
Wayne, Michigan 11 $ 1,778,000 $ 161,636 $ 56,000
Monroe, New York 11 $ 1,177,000 $ 107,000 $ 11,000
Washington, Oregon 11 $ 2,864,000 $ 260,363 $ 113,000
Monroe, Pennsylvania 11 $ 1,732,000 $ 157,454 $ 21,000
Philadelphia, Pennsylvania 11 $ 2,568,000 $ 233,454 $ 120,000
Spokane, Washington 11 $ 1,848,000 $ 168,000 $ 38,000
Anchorage, Alaska 10 $ 2,897,000 $ 289,700 $ 156,000
El Dorado, California 10 $ 2,802,000 $ 280,200 $ 90,000
Solano, California 10 $ 3,097,000 $ 309,700 $ 61,000
Sarasota, Florida 10 $ 1,862,000 $ 186,200 $ 18,000
Hennepin, Minnesota 10 $ 2,095,000 $ 209,500 $ 60,000
Dallas, Texas 10 $ 1,949,000 $ 194,900 $ 84,000
Salt Lake, Utah 10 $ 2,292,000 $ 229,200 $ 22,000
Loudoun, Virginia 10 $ 2,907,000 $ 290,700 $ 156,000
Imperial, California 9 $ 1,771,000 $ 196,777 $ 21,000
Kings, California 9 $ 1,962,000 $ 218,000 $ 87,000
Shasta, California 9 $ 1,875,000 $ 208,333 $ 62,000
Will, Illinois 9 $ 1,713,000 $ 190,333 $ 29,000
Barnstable, Massachusetts 9 $ 2,097,000 $ 233,000 $ 67,000
Rockingham, New Hampshire 9 $ 1,971,000 $ 219,000 $ 100,000
Morris, New Jersey 9 $ 2,703,000 $ 300,333 $ 111,000
Putnam, New York 9 $ 2,145,000 $ 238,333 $ 126,000
Ulster, New York 9 $ 1,608,000 $ 178,666 $ 82,000
Clackamas, Oregon 9 $ 2,227,000 $ 247,444 $ 27,000
Williamson, Texas 9 $ 1,682,000 $ 186,888 $ 105,000
Pima, Arizona 8 $ 1,010,000 $ 126,250 $ 35,000
Tuolumne, California 8 $ 1,842,000 $ 230,250 $ 99,000
Douglas, Colorado 8 $ 2,093,000 $ 261,625 $ 108,000
Litchfield, Connecticut 8 $ 1,537,000 $ 192,125 $ 79,000
Pinellas, Florida 8 $ 1,514,000 $ 189,250 $ 50,000
Henry, Georgia 8 $ 1,276,000 $ 159,500 $ 43,000
York, Maine 8 $ 1,819,000 $ 227,375 $ 82,000
Essex, Massachusetts 8 $ 2,292,000 $ 286,500 $ 100,000
Norfolk, Massachusetts 8 $ 1,680,000 $ 210,000 $ 20,000
Plymouth, Massachusetts 8 $ 2,489,000 $ 311,125 $ 27,000
Lane, Oregon 8 $ 1,502,000 $ 187,750 $ 38,000
Bucks, Pennsylvania 8 $ 2,075,000 $ 259,375 $ 105,000
Charleston, South Carolina 8 $ 1,635,000 $ 204,375 $ 44,000
Tarrant, Texas 8 $ 1,152,000 $ 144,000 $ 90,000
Merced, California 7 $ 1,718,000 $ 245,428 $ 30,000
Hartford, Connecticut 7 $ 1,061,000 $ 151,571 $ 49,000
Lake, Florida 7 $ 1,251,000 $ 178,714 $ 46,000
Manatee, Florida 7 $ 1,468,000 $ 209,714 $ 154,000
St. Johns, Florida 7 $ 1,380,000 $ 197,142 $ 69,000
Kane, Illinois 7 $ 1,437,000 $ 205,285 $ 0
St. Tammany, Louisiana 7 $ 1,304,000 $ 186,285 $ 43,000
Harford, Maryland 7 $ 1,661,000 $ 237,285 $ 33,000
Genesee, Michigan 7 $ 847,000 $ 121,000 $ 45,000
Oakland, Michigan 7 $ 1,412,000 $ 201,714 $ 68,000
Sandoval, New Mexico 7 $ 1,064,000 $ 152,000 $ 50,000
Montgomery, Pennsylvania 7 $ 1,435,000 $ 205,000 $ 59,000
Prince William, Virginia 7 $ 1,788,000 $ 255,428 $ 70,000
Virginia Beach, Virginia 7 $ 1,342,000 $ 191,714 $ 44,000
Kitsap, Washington 7 $ 1,730,000 $ 247,142 $ 53,000
Butte, California 6 $ 1,853,000 $ 308,833 $ 269,000
Humboldt, California 6 $ 1,276,000 $ 212,666 $ 38,000
Yolo, California 6 $ 1,176,000 $ 196,000 $ 136,000
Adams, Colorado 6 $ 788,000 $ 131,333 $ 81,000
Larimer, Colorado 6 $ 1,331,000 $ 221,833 $ 115,000
Tolland, Connecticut 6 $ 1,446,000 $ 241,000 $ 68,000
New Castle, Delaware 6 $ 1,309,000 $ 218,166 $ 59,000
Polk, Florida 6 $ 864,000 $ 144,000 $ 29,000
Seminole, Florida 6 $ 1,070,000 $ 178,333 $ 33,000
Gwinnett, Georgia 6 $ 1,127,000 $ 187,833 $ 86,000
Howard, Maryland 6 $ 1,887,000 $ 314,500 $ 142,000
Atlantic, New Jersey 6 $ 1,146,000 $ 191,000 $ 36,000
Somerset, New Jersey 6 $ 1,920,000 $ 320,000 $ 158,000
Sullivan, New York 6 $ 1,058,000 $ 176,333 $ 66,000
Wake, North Carolina 6 $ 1,057,000 $ 176,166 $ 22,000
Franklin, Ohio 6 $ 374,000 $ 62,333 $ 34,000
York, Pennsylvania 6 $ 934,000 $ 155,666 $ 27,000
Kent, Rhode Island 6 $ 1,675,000 $ 279,166 $ 67,000
Chesapeake, Virginia 6 $ 1,295,000 $ 215,833 $ 132,000
Chesterfield, Virginia 6 $ 1,382,000 $ 230,333 $ 54,000
Benton, Washington 6 $ 859,000 $ 143,166 $ 99,000
Clark, Washington 6 $ 1,526,000 $ 254,333 $ 81,000
Coconino, Arizona 5 $ 1,067,000 $ 213,400 $ 78,000
Navajo, Arizona 5 $ 736,000 $ 147,200 $ 35,000
Santa Cruz, Arizona 5 $ 1,863,000 $ 372,600 $ 108,000
Yavapai, Arizona 5 $ 880,000 $ 176,000 $ 33,000
Benton, Arkansas 5 $ 838,000 $ 167,600 $ 79,000
Mono, California 5 $ 4,436,000 $ 887,200 $ 594,000
Sutter, California 5 $ 1,043,000 $ 208,600 $ 19,000
Tehama, California 5 $ 1,045,000 $ 209,000 $ 39,000
Yuba, California 5 $ 1,241,000 $ 248,200 $ 20,000
Boulder, Colorado 5 $ 1,188,000 $ 237,600 $ 61,000
Jefferson, Colorado 5 $ 991,000 $ 198,200 $ 79,000
Summit, Colorado 5 $ 1,265,000 $ 253,000 $ 96,000
Sussex, Delaware 5 $ 1,122,000 $ 224,400 $ 75,000
Bay, Florida 5 $ 863,000 $ 172,600 $ 63,000
Hernando, Florida 5 $ 966,000 $ 193,200 $ 47,000
St. Lucie, Florida 5 $ 846,000 $ 169,200 $ 19,000
Volusia, Florida 5 $ 720,000 $ 144,000 $ 16,000
Cobb, Georgia 5 $ 1,044,000 $ 208,800 $ 76,000
Kauai, Hawaii 5 $ 1,796,000 $ 359,200 $ 95,000
Lake, Illinois 5 $ 1,135,000 $ 227,000 $ 37,000
McHenry, Illinois 5 $ 762,000 $ 152,400 $ 60,000
Johnson, Kansas 5 $ 984,000 $ 196,800 $ 91,000
Caddo, Louisiana 5 $ 600,000 $ 120,000 $ 0
Frederick, Maryland 5 $ 1,398,000 $ 279,600 $ 72,000
Wicomico, Maryland 5 $ 732,000 $ 146,400 $ 38,000
Macomb, Michigan 5 $ 793,000 $ 158,600 $ 30,000
Washington, Minnesota 5 $ 1,111,000 $ 222,200 $ 72,000
Burlington, New Jersey 5 $ 1,007,000 $ 201,400 $ 113,000
Gloucester, New Jersey 5 $ 1,517,000 $ 303,400 $ 57,000
Mercer, New Jersey 5 $ 1,358,000 $ 271,600 $ 89,000
Sussex, New Jersey 5 $ 1,189,000 $ 237,800 $ 44,000
Deschutes, Oregon 5 $ 1,227,000 $ 245,400 $ 86,000
Marion, Oregon 5 $ 1,171,000 $ 234,200 $ 55,000
Lackawanna, Pennsylvania 5 $ 651,000 $ 130,200 $ 15,000
Northampton, Pennsylvania 5 $ 716,000 $ 143,200 $ 78,000
Wayne, Pennsylvania 5 $ 974,000 $ 194,800 $ 54,000
Beaufort, South Carolina 5 $ 1,505,000 $ 301,000 $ 106,000
Dorchester, South Carolina 5 $ 773,000 $ 154,600 $ 5,000
Arlington, Virginia 5 $ 1,690,000 $ 338,000 $ 168,000
Norfolk, Virginia 5 $ 959,000 $ 191,800 $ 16,000
Richmond City, Virginia 5 $ 740,000 $ 148,000 $ 50,000
Cowlitz, Washington 5 $ 757,000 $ 151,400 $ 100,000
Mobile, Alabama 4 $ 400,000 $ 100,000 $ 9,000
Shelby, Alabama 4 $ 616,000 $ 154,000 $ 12,000
Lake, California 4 $ 1,056,000 $ 264,000 $ 71,000
Mendocino, California 4 $ 1,048,000 $ 262,000 $ 69,000
Napa, California 4 $ 1,296,000 $ 324,000 $ 158,000
Weld, Colorado 4 $ 909,000 $ 227,250 $ 72,000
New London, Connecticut 4 $ 634,000 $ 158,500 $ 24,000
Marion, Florida 4 $ 439,000 $ 109,750 $ 17,000
Pasco, Florida 4 $ 850,000 $ 212,500 $ 14,000
Fayette, Georgia 4 $ 891,000 $ 222,750 $ 221,000
Forsyth, Georgia 4 $ 784,000 $ 196,000 $ 80,000
Canyon, Idaho 4 $ 866,000 $ 216,500 $ 44,000
Linn, Iowa 4 $ 460,000 $ 115,000 $ 0
Orleans, Louisiana 4 $ 585,000 $ 146,250 $ 62,000
Washington, Louisiana 4 $ 396,000 $ 99,000 $ 0
Charles, Maryland 4 $ 1,320,000 $ 330,000 $ 0
Jackson, Missouri 4 $ 476,000 $ 119,000 $ 18,000
Hillsborough, New Hampshire 4 $ 884,000 $ 221,000 $ 62,000
Hunterdon, New Jersey 4 $ 1,329,000 $ 332,250 $ 107,000
New Hanover, North Carolina 4 $ 751,000 $ 187,750 $ 47,000
Union, North Carolina 4 $ 798,000 $ 199,500 $ 97,000
Montgomery, Ohio 4 $ 284,000 $ 71,000 $ 66,000
Jackson, Oregon 4 $ 892,000 $ 223,000 $ 55,000
Bell, Texas 4 $ 746,000 $ 186,500 $ 167,000
Collin, Texas 4 $ 706,000 $ 176,500 $ 107,000
Denton, Texas 4 $ 465,000 $ 116,250 $ 94,000
Hidalgo, Texas 4 $ 713,000 $ 178,250 $ 102,000
Alexandria, Virginia 4 $ 1,143,000 $ 285,750 $ 346,000
Augusta, Virginia 4 $ 737,000 $ 184,250 $ 18,000
Island, Washington 4 $ 874,000 $ 218,500 $ 58,000
Thurston, Washington 4 $ 896,000 $ 224,000 $ 51,000
Whatcom, Washington 4 $ 855,000 $ 213,750 $ 23,000
Kenai Peninsula, Alaska 3 $ 454,000 $ 151,333 $ 45,000
Matanuska-Susitna, Alaska 3 $ 876,000 $ 292,000 $ 78,000
Calaveras, California 3 $ 822,000 $ 274,000 $ 20,000
Madera, California 3 $ 823,000 $ 274,333 $ 75,000
Santa Cruz, California 3 $ 1,063,000 $ 354,333 $ 95,000
La Plata, Colorado 3 $ 566,000 $ 188,666 $ 51,000
Flagler, Florida 3 $ 374,000 $ 124,666 $ 57,000
Martin, Florida 3 $ 556,000 $ 185,333 $ 43,000
Barrow, Georgia 3 $ 601,000 $ 200,333 $ 72,000
Chatham, Georgia 3 $ 174,000 $ 58,000 $ 0
Cherokee, Georgia 3 $ 530,000 $ 176,666 $ 13,000
Clayton, Georgia 3 $ 408,000 $ 136,000 $ 18,000
Effingham, Georgia 3 $ 757,000 $ 252,333 $ 49,000
Hall, Georgia 3 $ 573,000 $ 191,000 $ 117,000
Polk, Iowa 3 $ 341,000 $ 113,666 $ 14,000
Jefferson, Louisiana 3 $ 459,000 $ 153,000 $ 80,000
Calvert, Maryland 3 $ 851,000 $ 283,666 $ 132,000
Hampden, Massachusetts 3 $ 521,000 $ 173,666 $ 57,000
St. Joseph, Michigan 3 $ 446,000 $ 148,666 $ 48,000
Washtenaw, Michigan 3 $ 712,000 $ 237,333 $ 80,000
Anoka, Minnesota 3 $ 470,000 $ 156,666 $ 67,000
Dakota, Minnesota 3 $ 438,000 $ 146,000 $ 50,000
Ramsey, Minnesota 3 $ 905,000 $ 301,666 $ 101,000
St. Charles, Missouri 3 $ 461,000 $ 153,666 $ 61,000
Douglas, Nevada 3 $ 1,001,000 $ 333,666 $ 60,000
Grafton, New Hampshire 3 $ 394,000 $ 131,333 $ 104,000
Merrimack, New Hampshire 3 $ 857,000 $ 285,666 $ 93,000
Santa Fe, New Mexico 3 $ 875,000 $ 291,666 $ 82,000
Greene, New York 3 $ 696,000 $ 232,000 $ 71,000
Steuben, New York 3 $ 315,000 $ 105,000 $ 0
Buncombe, North Carolina 3 $ 635,000 $ 211,666 $ 112,000
Cabarrus, North Carolina 3 $ 327,000 $ 109,000 $ 52,000
Durham, North Carolina 3 $ 384,000 $ 128,000 $ 134,000
Guilford, North Carolina 3 $ 570,000 $ 190,000 $ 75,000
Summit, Ohio 3 $ 268,000 $ 89,333 $ 54,000
Coos, Oregon 3 $ 576,000 $ 192,000 $ 36,000
Linn, Oregon 3 $ 508,000 $ 169,333 $ 58,000
Yamhill, Oregon 3 $ 621,000 $ 207,000 $ 47,000
Allegheny, Pennsylvania 3 $ 731,000 $ 243,666 $ 52,000
Chester, Pennsylvania 3 $ 498,000 $ 166,000 $ 88,000
Columbia, Pennsylvania 3 $ 402,000 $ 134,000 $ 145,000
Dauphin, Pennsylvania 3 $ 345,000 $ 115,000 $ 51,000
Greenville, South Carolina 3 $ 390,000 $ 130,000 $ 49,000
Lexington, South Carolina 3 $ 406,000 $ 135,333 $ 47,000
Shelby, Tennessee 3 $ 446,000 $ 148,666 $ 84,000
El Paso, Texas 3 $ 597,000 $ 199,000 $ 108,000
Montgomery, Texas 3 $ 351,000 $ 117,000 $ 26,000
Utah, Utah 3 $ 614,000 $ 204,666 $ 80,000
Chittenden, Vermont 3 $ 485,000 $ 161,666 $ 60,000
Windsor, Vermont 3 $ 207,000 $ 69,000 $ 27,000
Henrico, Virginia 3 $ 595,000 $ 198,333 $ 26,000
Yakima, Washington 3 $ 581,000 $ 193,666 $ 91,000
Madison, Alabama 2 $ 246,000 $ 123,000 $ 0
Talladega, Alabama 2 $ 140,000 $ 70,000 $ 28,000
Cochise, Arizona 2 $ 421,000 $ 210,500 $ 50,000
Del Norte, California 2 $ 546,000 $ 273,000 $ 116,000
Lassen, California 2 $ 309,000 $ 154,500 $ 16,000
San Benito, California 2 $ 456,000 $ 228,000 $ 74,000
Mesa, Colorado 2 $ 273,000 $ 136,500 $ 13,000
Pueblo, Colorado 2 $ 231,000 $ 115,500 $ 86,000
Middlesex, Connecticut 2 $ 400,000 $ 200,000 $ 0
Windham, Connecticut 2 $ 280,000 $ 140,000 $ 0
Charlotte, Florida 2 $ 532,000 $ 266,000 $ 30,000
Collier, Florida 2 $ 346,000 $ 173,000 $ 97,000
Escambia, Florida 2 $ 256,000 $ 128,000 $ 42,000
Indian River, Florida 2 $ 390,000 $ 195,000 $ 53,000
Nassau, Florida 2 $ 368,000 $ 184,000 $ 272,000
Okaloosa, Florida 2 $ 297,000 $ 148,500 $ 10,000
Osceola, Florida 2 $ 437,000 $ 218,500 $ 0
Wakulla, Florida 2 $ 220,000 $ 110,000 $ 44,000
Carroll, Georgia 2 $ 399,000 $ 199,500 $ 37,000
Columbia, Georgia 2 $ 214,000 $ 107,000 $ 48,000
Decatur, Georgia 2 $ 274,000 $ 137,000 $ 12,000
Habersham, Georgia 2 $ 237,000 $ 118,500 $ 130,000
Houston, Georgia 2 $ 298,000 $ 149,000 $ 34,000
Paulding, Georgia 2 $ 229,000 $ 114,500 $ 47,000
Blaine, Idaho 2 $ 589,000 $ 294,500 $ 65,000
Bonneville, Idaho 2 $ 339,000 $ 169,500 $ 56,000
Elkhart, Indiana 2 $ 249,000 $ 124,500 $ 21,000
Jackson, Indiana 2 $ 272,000 $ 136,000 $ 28,000
Lake, Indiana 2 $ 357,000 $ 178,500 $ 54,000
Marion, Indiana 2 $ 280,000 $ 140,000 $ 0
Benton, Iowa 2 $ 261,000 $ 130,500 $ 0
Bossier, Louisiana 2 $ 304,000 $ 152,000 $ 37,000
Lafayette, Louisiana 2 $ 605,000 $ 302,500 $ 133,000
Tangipahoa, Louisiana 2 $ 231,000 $ 115,500 $ 0
Cumberland, Maine 2 $ 633,000 $ 316,500 $ 198,000
Caroline, Maryland 2 $ 337,000 $ 168,500 $ 51,000
Carroll, Maryland 2 $ 605,000 $ 302,500 $ 122,000
Cecil, Maryland 2 $ 377,000 $ 188,500 $ 22,000
Worcester, Maryland 2 $ 245,000 $ 122,500 $ 82,000
Ingham, Michigan 2 $ 250,000 $ 125,000 $ 67,000
Kent, Michigan 2 $ 370,000 $ 185,000 $ 42,000
Livingston, Michigan 2 $ 318,000 $ 159,000 $ 0
Mackinac, Michigan 2 $ 180,000 $ 90,000 $ 7,000
Scott, Minnesota 2 $ 362,000 $ 181,000 $ 102,000
Sherburne, Minnesota 2 $ 395,000 $ 197,500 $ 0
St. Louis, Missouri 2 $ 208,000 $ 104,000 $ 60,000
Nye, Nevada 2 $ 414,000 $ 207,000 $ 0
Cheshire, New Hampshire 2 $ 221,000 $ 110,500 $ 75,000
Cape May, New Jersey 2 $ 570,000 $ 285,000 $ 50,000
Cumberland, New Jersey 2 $ 285,000 $ 142,500 $ 115,000
Salem, New Jersey 2 $ 799,000 $ 399,500 $ 117,000
Albany, New York 2 $ 435,000 $ 217,500 $ 123,000
Erie, New York 2 $ 367,000 $ 183,500 $ 95,000
Livingston, New York 2 $ 235,000 $ 117,500 $ 39,000
Oneida, New York 2 $ 173,000 $ 86,500 $ 54,000
Rensselaer, New York 2 $ 308,000 $ 154,000 $ 50,000
Wayne, New York 2 $ 140,000 $ 70,000 $ 0
Brunswick, North Carolina 2 $ 534,000 $ 267,000 $ 74,000
Carteret, North Carolina 2 $ 408,000 $ 204,000 $ 83,000
Catawba, North Carolina 2 $ 295,000 $ 147,500 $ 0
Currituck, North Carolina 2 $ 1,439,000 $ 719,500 $ 1,157,000
Forsyth, North Carolina 2 $ 236,000 $ 118,000 $ 18,000
Gaston, North Carolina 2 $ 219,000 $ 109,500 $ 9,000
Granville, North Carolina 2 $ 229,000 $ 114,500 $ 67,000
Haywood, North Carolina 2 $ 172,000 $ 86,000 $ 39,000
Johnston, North Carolina 2 $ 477,000 $ 238,500 $ 44,000
Rutherford, North Carolina 2 $ 453,000 $ 226,500 $ 110,000
Cuyahoga, Ohio 2 $ 246,000 $ 123,000 $ 29,000
Delaware, Ohio 2 $ 403,000 $ 201,500 $ 137,000
Erie, Ohio 2 $ 210,000 $ 105,000 $ 43,000
Medina, Ohio 2 $ 262,000 $ 131,000 $ 49,000
Oklahoma, Oklahoma 2 $ 386,000 $ 193,000 $ 91,000
Tulsa, Oklahoma 2 $ 178,000 $ 89,000 $ 39,000
Bradford, Pennsylvania 2 $ 141,000 $ 70,500 $ 0
Carbon, Pennsylvania 2 $ 305,000 $ 152,500 $ 19,000
Delaware, Pennsylvania 2 $ 321,000 $ 160,500 $ 235,000
Lancaster, Pennsylvania 2 $ 185,000 $ 92,500 $ 22,000
Pike, Pennsylvania 2 $ 136,000 $ 68,000 $ 41,000
Richland, South Carolina 2 $ 500,000 $ 250,000 $ 39,000
York, South Carolina 2 $ 436,000 $ 218,000 $ 83,000
Fort Bend, Texas 2 $ 294,000 $ 147,000 $ 36,000
McLennan, Texas 2 $ 295,000 $ 147,500 $ 101,000
Washington, Utah 2 $ 360,000 $ 180,000 $ 24,000
Weber, Utah 2 $ 287,000 $ 143,500 $ 0
Windham, Vermont 2 $ 320,000 $ 160,000 $ 164,000
Hanover, Virginia 2 $ 260,000 $ 130,000 $ 37,000
Portsmouth, Virginia 2 $ 271,000 $ 135,500 $ 16,000
Powhatan, Virginia 2 $ 276,000 $ 138,000 $ 77,000
Spotsylvania, Virginia 2 $ 616,000 $ 308,000 $ 48,000
Stafford, Virginia 2 $ 818,000 $ 409,000 $ 0
Waynesboro, Virginia 2 $ 250,000 $ 125,000 $ 0
York, Virginia 2 $ 389,000 $ 194,500 $ 89,000
Chelan, Washington 2 $ 368,000 $ 184,000 $ 33,000
Lewis, Washington 2 $ 494,000 $ 247,000 $ 149,000
Skagit, Washington 2 $ 547,000 $ 273,500 $ 51,000
Sheboygan, Wisconsin 2 $ 250,000 $ 125,000 $ 329,000
Baldwin, Alabama 1 $ 200,000 $ 200,000 $ 0
Calhoun, Alabama 1 $ 119,000 $ 119,000 $ 0
Coffee, Alabama 1 $ 147,000 $ 147,000 $ 59,000
Etowah, Alabama 1 $ 126,000 $ 126,000 $ 61,000
Hale, Alabama 1 $ 183,000 $ 183,000 $ 66,000
Marshall, Alabama 1 $ 155,000 $ 155,000 $ 0
Monroe, Alabama 1 $ 141,000 $ 141,000 $ 0
Montgomery, Alabama 1 $ 77,000 $ 77,000 $ 0
Kodiak Island, Alaska 1 $ 186,000 $ 186,000 $ 42,000
Apache, Arizona 1 $ 248,000 $ 248,000 $ 117,000
Yuma, Arizona 1 $ 201,000 $ 201,000 $ 76,000
Garland, Arkansas 1 $ 117,000 $ 117,000 $ 38,000
Grant, Arkansas 1 $ 166,000 $ 166,000 $ 0
Jefferson, Arkansas 1 $ 65,000 $ 65,000 $ 49,000
Pulaski, Arkansas 1 $ 171,000 $ 171,000 $ 0
Stone, Arkansas 1 $ 120,000 $ 120,000 $ 68,000
Washington, Arkansas 1 $ 140,000 $ 140,000 $ 35,000
Inyo, California 1 $ 196,000 $ 196,000 $ 0
Plumas, California 1 $ 349,000 $ 349,000 $ 0
Siskiyou, California 1 $ 200,000 $ 200,000 $ 97,000
Broomfield, Colorado 1 $ 180,000 $ 180,000 $ 66,000
Eagle, Colorado 1 $ 312,000 $ 312,000 $ 123,000
Garfield, Colorado 1 $ 214,000 $ 214,000 $ 0
Otero, Colorado 1 $ 38,000 $ 38,000 $ 56,000
Pitkin, Colorado 1 $ 198,000 $ 198,000 $ 98,000
Kent, Delaware 1 $ 245,000 $ 245,000 $ 0
Alachua, Florida 1 $ 101,000 $ 101,000 $ 220,000
Gadsden, Florida 1 $ 68,000 $ 68,000 $ 130,000
Gulf, Florida 1 $ 234,000 $ 234,000 $ 0
Highlands, Florida 1 $ 77,000 $ 77,000 $ 35,000
Leon, Florida 1 $ 182,000 $ 182,000 $ 60,000
Levy, Florida 1 $ 196,000 $ 196,000 $ 120,000
Madison, Florida 1 $ 122,000 $ 122,000 $ 0
Monroe, Florida 1 $ 185,000 $ 185,000 $ 126,000
Okeechobee, Florida 1 $ 190,000 $ 190,000 $ 122,000
Suwannee, Florida 1 $ 107,000 $ 107,000 $ 40,000
Bartow, Georgia 1 $ 127,000 $ 127,000 $ 85,000
Bryan, Georgia 1 $ 382,000 $ 382,000 $ 318,000
Butts, Georgia 1 $ 84,000 $ 84,000 $ 0
Clarke, Georgia 1 $ 104,000 $ 104,000 $ 189,000
Coffee, Georgia 1 $ 91,000 $ 91,000 $ 19,000
Coweta, Georgia 1 $ 204,000 $ 204,000 $ 89,000
Dawson, Georgia 1 $ 135,000 $ 135,000 $ 0
Fannin, Georgia 1 $ 238,000 $ 238,000 $ 220,000
Harris, Georgia 1 $ 270,000 $ 270,000 $ 205,000
Jackson, Georgia 1 $ 269,000 $ 269,000 $ 119,000
Lowndes, Georgia 1 $ 106,000 $ 106,000 $ 0
Lumpkin, Georgia 1 $ 97,000 $ 97,000 $ 0
Putnam, Georgia 1 $ 171,000 $ 171,000 $ 0
Spalding, Georgia 1 $ 114,000 $ 114,000 $ 0
Sumter, Georgia 1 $ 100,000 $ 100,000 $ 0
Tattnall, Georgia 1 $ 109,000 $ 109,000 $ 0
Tift, Georgia 1 $ 112,000 $ 112,000 $ 78,000
Walton, Georgia 1 $ 91,000 $ 91,000 $ 37,000
Bonner, Idaho 1 $ 417,000 $ 417,000 $ 563,000
Elmore, Idaho 1 $ 150,000 $ 150,000 $ 0
Effingham, Illinois 1 $ 72,000 $ 72,000 $ 0
Kendall, Illinois 1 $ 111,000 $ 111,000 $ 0
LaSalle, Illinois 1 $ 91,000 $ 91,000 $ 0
Macoupin, Illinois 1 $ 45,000 $ 45,000 $ 17,000
Madison, Illinois 1 $ 145,000 $ 145,000 $ 0
Fulton, Indiana 1 $ 297,000 $ 297,000 $ 193,000
Gibson, Indiana 1 $ 59,000 $ 59,000 $ 45,000
Jasper, Indiana 1 $ 165,000 $ 165,000 $ 1,298,000
Johnson, Indiana 1 $ 64,000 $ 64,000 $ 23,000
Knox, Indiana 1 $ 102,000 $ 102,000 $ 50,000
LaPorte, Indiana 1 $ 125,000 $ 125,000 $ 79,000
Madison, Indiana 1 $ 114,000 $ 114,000 $ 71,000
Monroe, Indiana 1 $ 161,000 $ 161,000 $ 68,000
Porter, Indiana 1 $ 133,000 $ 133,000 $ 0
Starke, Indiana 1 $ 108,000 $ 108,000 $ 0
White, Indiana 1 $ 118,000 $ 118,000 $ 56,000
Boone, Iowa 1 $ 141,000 $ 141,000 $ 85,000
Cass, Iowa 1 $ 165,000 $ 165,000 $ 89,000
Cedar, Iowa 1 $ 70,000 $ 70,000 $ 74,000
Harrison, Iowa 1 $ 123,000 $ 123,000 $ 0
Pottawattamie, Iowa 1 $ 109,000 $ 109,000 $ 0
Franklin, Kansas 1 $ 150,000 $ 150,000 $ 107,000
Jefferson, Kansas 1 $ 208,000 $ 208,000 $ 162,000
Pottawatomie, Kansas 1 $ 56,000 $ 56,000 $ 47,000
Riley, Kansas 1 $ 154,000 $ 154,000 $ 81,000
Sedgwick, Kansas 1 $ 120,000 $ 120,000 $ 80,000
Hardin, Kentucky 1 $ 247,000 $ 247,000 $ 238,000
Jessamine, Kentucky 1 $ 200,000 $ 200,000 $ 77,000
Madison, Kentucky 1 $ 107,000 $ 107,000 $ 85,000
Oldham, Kentucky 1 $ 204,000 $ 204,000 $ 81,000
Pulaski, Kentucky 1 $ 147,000 $ 147,000 $ 40,000
Shelby, Kentucky 1 $ 280,000 $ 280,000 $ 108,000
Spencer, Kentucky 1 $ 135,000 $ 135,000 $ 58,000
Woodford, Kentucky 1 $ 140,000 $ 140,000 $ 0
Ascension, Louisiana 1 $ 347,000 $ 347,000 $ 96,000
De Soto, Louisiana 1 $ 206,000 $ 206,000 $ 94,000
East Baton Rouge, Louisiana 1 $ 69,000 $ 69,000 $ 18,000
East Feliciana, Louisiana 1 $ 100,000 $ 100,000 $ 54,000
Livingston, Louisiana 1 $ 98,000 $ 98,000 $ 0
St. John the Baptist, Louisiana 1 $ 121,000 $ 121,000 $ 0
St. Landry, Louisiana 1 $ 130,000 $ 130,000 $ 0
Knox, Maine 1 $ 417,000 $ 417,000 $ 85,000
Dorchester, Maryland 1 $ 210,000 $ 210,000 $ 0
Queen Anne's, Maryland 1 $ 374,000 $ 374,000 $ 0
Somerset, Maryland 1 $ 400,000 $ 400,000 $ 163,000
St. Mary's, Maryland 1 $ 208,000 $ 208,000 $ 36,000
Washington, Maryland 1 $ 219,000 $ 219,000 $ 0
Berkshire, Massachusetts 1 $ 154,000 $ 154,000 $ 86,000
Cass, Michigan 1 $ 100,000 $ 100,000 $ 0
Clinton, Michigan 1 $ 120,000 $ 120,000 $ 82,000
Eaton, Michigan 1 $ 400,000 $ 400,000 $ 92,000
Emmet, Michigan 1 $ 347,000 $ 347,000 $ 0
Huron, Michigan 1 $ 64,000 $ 64,000 $ 0
Jackson, Michigan 1 $ 132,000 $ 132,000 $ 0
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Mortgage Loan Application Detail Totals for Cit Bank, National Association in 2012

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 4,609 $1,457,599,000 $316,000 $7,100,000 $104,000 $9,081,000
Home Purchase 467 $200,697,000 $429,000 $5,648,000 $187,000 $9,999,000
Home Improvement 57 $14,107,000 $247,000 $473,000 $101,000 $304,000

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 2,383 $846,979,000 $355,000 $6,825,000 $158,000 $9,999,000
Not Provided 1,196 $336,312,000 $281,000 $2,550,000 $117,000 $9,999,000
Not applicable 808 $287,542,000 $355,000 $7,100,000 $0 $0
Hispanic 350 $83,019,000 $237,000 $598,000 $60,000 $433,000
Asian 196 $71,610,000 $365,000 $2,205,000 $120,000 $838,000
Black or African American 166 $37,888,000 $228,000 $832,000 $66,000 $611,000
Native Hawaiian or Other Pacific Islander 22 $6,606,000 $300,000 $605,000 $106,000 $433,000
American Indian or Alaskan Native 12 $2,447,000 $203,000 $487,000 $49,000 $178,000

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) 4,381 $1,504,076,000 $343,000 $7,100,000 $131,000 $9,999,000
FHA-insured (Federal Housing Administration) 726 $163,325,000 $224,000 $736,000 $0 $0
VA-guaranteed (Veterans Administration) 26 $5,002,000 $192,000 $411,000 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 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 3,120 $1,037,196,000 $332,000 $7,100,000 $111,000 $9,081,000
Application Denied By Financial Institution 1,102 $353,095,000 $320,000 $4,500,000 $143,000 $5,230,000
Loan Purchased By The Institution 755 $169,042,000 $223,000 $736,000 $0 $0
Application Withdrawn By Applicant 126 $79,329,000 $629,000 $5,525,000 $472,000 $9,999,000
Application Approved But Not Accepted 21 $20,391,000 $971,000 $5,600,000 $285,000 $4,717,000
Preapproval Approved but not Accepted 5 $9,210,000 $1,842,000 $4,125,000 $569,000 $1,253,000
Preapproval Denied by Financial Institution 4 $4,140,000 $1,035,000 $1,400,000 $254,000 $383,000
File Closed For Incompleteness 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 647 $201,980,000 $312,000 $4,500,000 $159,000 $5,230,000
Debt-To-Income Ratio 204 $67,531,000 $331,000 $2,400,000 $97,000 $516,000
Credit Application Incomplete 103 $38,695,000 $375,000 $3,250,000 $186,000 $2,333,000
Other 56 $14,052,000 $250,000 $605,000 $89,000 $382,000
Unverifiable Information 41 $14,489,000 $353,000 $1,435,000 $110,000 $433,000
Credit History 40 $13,678,000 $341,000 $1,541,000 $120,000 $1,392,000
Employment History 9 $2,184,000 $242,000 $500,000 $62,000 $99,000
Insufficient Cash (Downpayment, Closing Cost) 6 $4,626,000 $771,000 $2,200,000 $393,000 $1,396,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Cit Bank, National Association's 2012 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 Cit Bank, National Association'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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