Cit Bank, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Cit Bank, National Association 2016 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 | 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 | 1,639 |
| Total Mortgage Loan Application Amount | $3,193,595,000 |
| Average Mortgage Loan Application Amount | $2,161,333 |
| Highest Mortgage Loan Application Amount | $99,999,000 |
| Average Applicant Income | $176,333 |
| Highest Applicant Income | $3,824,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with Cit Bank, National Association. 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 Cit Bank, National Association's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down Cit Bank, National Association'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 Cit Bank, National Association serves its applicants.
Each category highlights the total number of mortgage applications processed by Cit Bank, National Association, 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 Cit Bank, National Association's mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 642 | $ 1,082,048,000 | $ 1,685,000 | $ 215,000 |
| Orange County California | 191 | $ 238,504,000 | $ 1,248,000 | $ 217,000 |
| Santa Clara County California | 156 | $ 132,785,000 | $ 851,000 | $ 35,000 |
| San Diego County California | 88 | $ 119,698,000 | $ 1,360,000 | $ 169,000 |
| Alameda County California | 69 | $ 90,347,000 | $ 1,309,000 | $ 33,000 |
| Riverside County California | 65 | $ 24,564,000 | $ 377,000 | $ 139,000 |
| San Mateo County California | 48 | $ 42,511,000 | $ 885,000 | $ 36,000 |
| San Bernardino County California | 46 | $ 52,274,000 | $ 1,136,000 | $ 109,000 |
| Contra Costa County California | 45 | $ 33,990,000 | $ 755,000 | $ 70,000 |
| San Francisco County California | 37 | $ 68,156,000 | $ 1,842,000 | $ 29,000 |
| Ventura County California | 36 | $ 43,660,000 | $ 1,212,000 | $ 161,000 |
| Marin County California | 15 | $ 15,257,000 | $ 1,017,000 | $ 225,000 |
| Maricopa County Arizona | 14 | $ 186,030,000 | $ 13,287,000 | $ 92,000 |
| New York County New York | 9 | $ 143,472,000 | $ 15,941,000 | $ 1,127,000 |
| Queens County New York | 6 | $ 36,027,000 | $ 6,004,000 | $ 189,000 |
| Nevada County California | 5 | $ 2,190,000 | $ 438,000 | $ 272,000 |
| Placer County California | 5 | $ 3,185,000 | $ 637,000 | $ 54,000 |
| Cook County Illinois | 5 | $ 73,867,000 | $ 14,773,000 | $ 49,000 |
| Sacramento County California | 4 | $ 36,756,000 | $ 9,189,000 | $ 34,000 |
| San Joaquin County California | 4 | $ 1,671,000 | $ 417,000 | $ 167,000 |
| San Luis Obispo County California | 4 | $ 2,748,000 | $ 687,000 | $ 122,000 |
| Santa Barbara County California | 4 | $ 4,968,000 | $ 1,242,000 | $ 167,000 |
| Solano County California | 4 | $ 2,291,000 | $ 572,000 | $ 83,000 |
| Sonoma County California | 4 | $ 2,081,000 | $ 520,000 | $ 46,000 |
| Fairfield County Connecticut | 4 | $ 13,691,000 | $ 3,422,000 | $ 873,000 |
| Honolulu County Hawaii | 4 | $ 2,478,000 | $ 619,000 | $ 76,000 |
| Clark County Nevada | 4 | $ 1,829,000 | $ 457,000 | $ 551,000 |
| Harris County Texas | 4 | $ 47,799,000 | $ 11,949,000 | $ 652,000 |
| Kern County California | 3 | $ 827,000 | $ 275,000 | $ 116,000 |
| Santa Cruz County California | 3 | $ 23,893,000 | $ 7,964,000 | $ 51,000 |
| Bergen County New Jersey | 3 | $ 1,764,000 | $ 588,000 | $ 223,000 |
| Fairfax County Virginia | 3 | $ 1,973,000 | $ 657,000 | $ 182,000 |
| Merced County California | 2 | $ 332,000 | $ 166,000 | $ 92,000 |
| Yolo County California | 2 | $ 1,680,000 | $ 840,000 | $ 106,000 |
| Denver County Colorado | 2 | $ 43,000,000 | $ 21,500,000 | $ 0 |
| Orange County Florida | 2 | $ 3,985,000 | $ 1,992,000 | $ 468,000 |
| Walton County Florida | 2 | $ 6,878,000 | $ 3,439,000 | $ 900,000 |
| Fulton County Georgia | 2 | $ 34,436,000 | $ 17,218,000 | $ 357,000 |
| Gwinnett County Georgia | 2 | $ 52,900,000 | $ 26,450,000 | $ 0 |
| Suffolk County Massachusetts | 2 | $ 51,007,000 | $ 25,503,000 | $ 214,000 |
| Essex County New Jersey | 2 | $ 40,626,000 | $ 20,313,000 | $ 198,000 |
| Nassau County New York | 2 | $ 534,000 | $ 267,000 | $ 102,000 |
| Suffolk County New York | 2 | $ 3,577,000 | $ 1,788,000 | $ 1,111,000 |
| Westchester County New York | 2 | $ 60,952,000 | $ 30,476,000 | $ 342,000 |
| Multnomah County Oregon | 2 | $ 696,000 | $ 348,000 | $ 84,000 |
| Dallas County Texas | 2 | $ 2,895,000 | $ 1,447,000 | $ 426,000 |
| Juneau County Alaska | 1 | $ 531,000 | $ 531,000 | $ 144,000 |
| Mohave County Arizona | 1 | $ 180,000 | $ 180,000 | $ 168,000 |
| Pima County Arizona | 1 | $ 350,000 | $ 350,000 | $ 105,000 |
| Pinal County Arizona | 1 | $ 240,000 | $ 240,000 | $ 132,000 |
| Amador County California | 1 | $ 300,000 | $ 300,000 | $ 132,000 |
| Butte County California | 1 | $ 220,000 | $ 220,000 | $ 0 |
| El Dorado County California | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Lake County California | 1 | $ 101,000 | $ 101,000 | $ 48,000 |
| Monterey County California | 1 | $ 1,455,000 | $ 1,455,000 | $ 320,000 |
| Napa County California | 1 | $ 670,000 | $ 670,000 | $ 264,000 |
| San Benito County California | 1 | $ 529,000 | $ 529,000 | $ 132,000 |
| Siskiyou County California | 1 | $ 597,000 | $ 597,000 | $ 204,000 |
| Yuba County California | 1 | $ 110,000 | $ 110,000 | $ 36,000 |
| Adams County Colorado | 1 | $ 26,400,000 | $ 26,400,000 | $ 0 |
| Arapahoe County Colorado | 1 | $ 32,900,000 | $ 32,900,000 | $ 0 |
| Douglas County Colorado | 1 | $ 486,000 | $ 486,000 | $ 156,000 |
| Garfield County Colorado | 1 | $ 330,000 | $ 330,000 | $ 385,000 |
| Broward County Florida | 1 | $ 100,000 | $ 100,000 | $ 144,000 |
| Collier County Florida | 1 | $ 750,000 | $ 750,000 | $ 2,256,000 |
| Hillsborough County Florida | 1 | $ 474,000 | $ 474,000 | $ 146,000 |
| Miami-Dade County Florida | 1 | $ 1,330,000 | $ 1,330,000 | $ 180,000 |
| Pinellas County Florida | 1 | $ 330,000 | $ 330,000 | $ 233,000 |
| Seminole County Florida | 1 | $ 370,000 | $ 370,000 | $ 143,000 |
| St. Johns County Florida | 1 | $ 248,000 | $ 248,000 | $ 72,000 |
| Ada County Idaho | 1 | $ 334,000 | $ 334,000 | $ 114,000 |
| Blaine County Idaho | 1 | $ 859,000 | $ 859,000 | $ 552,000 |
| Kootenai County Idaho | 1 | $ 695,000 | $ 695,000 | $ 120,000 |
| Will County Illinois | 1 | $ 417,000 | $ 417,000 | $ 360,000 |
| St. Landry County Louisiana | 1 | $ 124,000 | $ 124,000 | $ 84,000 |
| York County Maine | 1 | $ 265,000 | $ 265,000 | $ 146,000 |
| Anne Arundel County Maryland | 1 | $ 23,000,000 | $ 23,000,000 | $ 0 |
| Montgomery County Maryland | 1 | $ 220,000 | $ 220,000 | $ 77,000 |
| Wicomico County Maryland | 1 | $ 173,000 | $ 173,000 | $ 103,000 |
| Norfolk County Massachusetts | 1 | $ 91,250,000 | $ 91,250,000 | $ 0 |
| Crawford County Michigan | 1 | $ 63,000 | $ 63,000 | $ 31,000 |
| Oakland County Michigan | 1 | $ 325,000 | $ 325,000 | $ 108,000 |
| Ravalli County Montana | 1 | $ 724,000 | $ 724,000 | $ 180,000 |
| Lancaster County Nebraska | 1 | $ 575,000 | $ 575,000 | $ 300,000 |
| Washoe County Nevada | 1 | $ 1,200,000 | $ 1,200,000 | $ 300,000 |
| Hudson County New Jersey | 1 | $ 628,000 | $ 628,000 | $ 152,000 |
| Middlesex County New Jersey | 1 | $ 332,000 | $ 332,000 | $ 72,000 |
| Monmouth County New Jersey | 1 | $ 1,460,000 | $ 1,460,000 | $ 801,000 |
| Union County New Jersey | 1 | $ 26,250,000 | $ 26,250,000 | $ 0 |
| Kings County New York | 1 | $ 626,000 | $ 626,000 | $ 139,000 |
| Mecklenburg County North Carolina | 1 | $ 43,800,000 | $ 43,800,000 | $ 0 |
| Orange County North Carolina | 1 | $ 29,300,000 | $ 29,300,000 | $ 0 |
| Washington County Oregon | 1 | $ 222,000 | $ 222,000 | $ 60,000 |
| Delaware County Pennsylvania | 1 | $ 49,500,000 | $ 49,500,000 | $ 0 |
| Newport County Rhode Island | 1 | $ 3,932,000 | $ 3,932,000 | $ 856,000 |
| Horry County South Carolina | 1 | $ 169,000 | $ 169,000 | $ 105,000 |
| Richland County South Carolina | 1 | $ 240,000 | $ 240,000 | $ 72,000 |
| Bexar County Texas | 1 | $ 270,000 | $ 270,000 | $ 96,000 |
| Montgomery County Texas | 1 | $ 172,000 | $ 172,000 | $ 144,000 |
| Tarrant County Texas | 1 | $ 280,000 | $ 280,000 | $ 200,000 |
| Salt Lake County Utah | 1 | $ 750,000 | $ 750,000 | $ 1,577,000 |
| Chesterfield County Virginia | 1 | $ 828,000 | $ 828,000 | $ 126,000 |
| Prince William County Virginia | 1 | $ 167,000 | $ 167,000 | $ 48,000 |
| Jefferson County Washington | 1 | $ 190,000 | $ 190,000 | $ 31,000 |
| King County Washington | 1 | $ 248,000 | $ 248,000 | $ 96,000 |
| Pierce County Washington | 1 | $ 427,000 | $ 427,000 | $ 84,000 |
| Jefferson County West Virginia | 1 | $ 280,000 | $ 280,000 | $ 94,000 |
| Park County Wyoming | 1 | $ 142,000 | $ 142,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for Cit Bank, National Association 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 |
|---|---|---|---|---|---|---|
| Refinancing | 998 | $794,969,000 | $796,000 | $12,000,000 | $186,000 | $3,824,000 |
| Home Purchase | 464 | $2,249,987,000 | $4,849,000 | $99,999,000 | $120,000 | $2,256,000 |
| Home Improvement | 177 | $148,639,000 | $839,000 | $6,685,000 | $223,000 | $2,187,000 |
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 | 701 | $616,953,000 | $880,000 | $12,000,000 | $286,000 | $3,824,000 |
| Not applicable | 625 | $2,333,059,000 | $3,732,000 | $99,999,000 | $5,000 | $382,000 |
| Asian | 109 | $78,914,000 | $723,000 | $5,000,000 | $245,000 | $1,682,000 |
| Not Provided | 97 | $124,565,000 | $1,284,000 | $9,000,000 | $391,000 | $2,256,000 |
| Hispanic | 86 | $30,356,000 | $352,000 | $1,040,000 | $110,000 | $636,000 |
| Black or African American | 19 | $8,988,000 | $473,000 | $2,965,000 | $171,000 | $1,596,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $495,000 | $495,000 | $495,000 | $163,000 | $163,000 |
| American Indian or Alaskan Native | 1 | $265,000 | $265,000 | $265,000 | $276,000 | $276,000 |
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) | 1,586 | $3,177,450,000 | $2,003,000 | $99,999,000 | $176,000 | $3,824,000 |
| FHA-insured (Federal Housing Administration) | 53 | $16,145,000 | $304,000 | $547,000 | $47,000 | $126,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Purchased By The Institution | 574 | $495,171,000 | $862,000 | $8,292,000 | $5,000 | $382,000 |
| Loan Originated | 461 | $798,837,000 | $1,732,000 | $59,000,000 | $309,000 | $3,824,000 |
| Application Denied By Financial Institution | 351 | $866,111,000 | $2,467,000 | $99,999,000 | $212,000 | $3,612,000 |
| Application Withdrawn By Applicant | 214 | $1,005,419,000 | $4,698,000 | $99,999,000 | $236,000 | $2,616,000 |
| File Closed For Incompleteness | 29 | $15,925,000 | $549,000 | $1,500,000 | $213,000 | $924,000 |
| Application Approved But Not Accepted | 10 | $12,132,000 | $1,213,000 | $6,050,000 | $452,000 | $1,866,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 186 | $182,862,000 | $983,000 | $9,000,000 | $175,000 | $2,400,000 |
| Credit History | 52 | $27,796,000 | $534,000 | $2,065,000 | $162,000 | $540,000 |
| Collateral | 44 | $38,337,000 | $871,000 | $12,000,000 | $335,000 | $3,612,000 |
| Other | 31 | $573,879,000 | $18,512,000 | $99,999,000 | $183,000 | $2,496,000 |
| Unverifiable Information | 12 | $15,562,000 | $1,296,000 | $4,000,000 | $345,000 | $1,199,000 |
| Credit Application Incomplete | 12 | $10,560,000 | $880,000 | $2,965,000 | $245,000 | $1,596,000 |
| Employment History | 10 | $11,620,000 | $1,162,000 | $2,991,000 | $440,000 | $1,248,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $5,495,000 | $1,373,000 | $3,473,000 | $399,000 | $1,022,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cit Bank, National Association'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 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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