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records Cit Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 853 | $ 479,602,000 | $ 562,253 | $ 204,000 |
| New York-White Plains-Wayne, NY-NJ | 340 | $ 121,274,000 | $ 356,688 | $ 195,514 |
| Riverside-San Bernardino-Ontario, CA | 247 | $ 75,505,000 | $ 305,688 | $ 71,000 |
| Nassau-Suffolk, NY | 189 | $ 58,993,000 | $ 312,132 | $ 119,000 |
| Santa Ana-Anaheim-Irvine, CA | 170 | $ 87,313,000 | $ 513,605 | $ 218,000 |
| San Diego-Carlsbad-San Marcos, CA | 128 | $ 72,892,000 | $ 569,468 | $ 123,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 111 | $ 30,859,000 | $ 278,009 | $ 89,630 |
| Phoenix-Mesa-Glendale, AZ | 95 | $ 20,214,000 | $ 212,778 | $ 42,000 |
| Chicago-Joliet-Naperville, IL | 90 | $ 19,719,000 | $ 219,100 | $ 41,000 |
| Oakland-Fremont-Hayward, CA | 89 | $ 30,836,000 | $ 346,471 | $ 96,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 82 | $ 21,416,000 | $ 261,170 | $ 68,000 |
| Atlanta-Sandy Springs-Marietta, GA | 74 | $ 13,096,000 | $ 176,972 | $ 66,000 |
| Las Vegas-Paradise, NV | 66 | $ 14,297,000 | $ 216,621 | $ 24,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 65 | $ 30,796,000 | $ 473,784 | $ 161,000 |
| Edison-New Brunswick, NJ | 57 | $ 16,044,000 | $ 281,473 | $ 88,000 |
| Newark-Union, NJ-PA | 56 | $ 14,586,000 | $ 260,464 | $ 57,392 |
| Baltimore-Towson, MD | 55 | $ 12,986,000 | $ 236,109 | $ 58,000 |
| San Francisco-San Mateo-Redwood City, CA | 53 | $ 26,174,000 | $ 493,849 | $ 175,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 52 | $ 22,002,000 | $ 423,115 | $ 118,000 |
| Seattle-Bellevue-Everett, WA | 50 | $ 13,251,000 | $ 265,020 | $ 84,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 49 | $ 11,347,000 | $ 231,571 | $ 73,428 |
| Denver-Aurora-Broomfield, CO | 44 | $ 13,675,000 | $ 310,795 | $ 106,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 39 | $ 7,918,000 | $ 203,025 | $ 36,000 |
| Miami-Miami Beach-Kendall, FL | 38 | $ 9,084,000 | $ 239,052 | $ 81,000 |
| Tampa-St. Petersburg-Clearwater, FL | 37 | $ 7,237,000 | $ 195,594 | $ 42,000 |
| Providence-New Bedford-Fall River, RI-MA | 34 | $ 7,977,000 | $ 234,617 | $ 38,000 |
| Philadelphia, PA | 31 | $ 6,897,000 | $ 222,483 | $ 107,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 31 | $ 7,427,000 | $ 239,580 | $ 72,000 |
| Bethesda-Rockville-Frederick, MD | 30 | $ 7,886,000 | $ 262,866 | $ 82,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 30 | $ 6,213,000 | $ 207,100 | $ 64,766 |
| Boston-Quincy, MA | 29 | $ 8,058,000 | $ 277,862 | $ 52,000 |
| Bakersfield-Delano, CA | 28 | $ 6,822,000 | $ 243,642 | $ 71,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 28 | $ 6,333,000 | $ 226,178 | $ 140,214 |
| Fresno, CA | 27 | $ 7,066,000 | $ 261,703 | $ 122,000 |
| Austin-Round Rock-San Marcos, TX | 26 | $ 4,375,000 | $ 168,269 | $ 136,000 |
| Orlando-Kissimmee-Sanford, FL | 26 | $ 5,263,000 | $ 202,423 | $ 57,000 |
| Camden, NJ | 25 | $ 5,274,000 | $ 210,960 | $ 67,000 |
| Jacksonville, FL | 25 | $ 4,775,000 | $ 191,000 | $ 66,000 |
| New Haven-Milford, CT | 25 | $ 5,829,000 | $ 233,160 | $ 93,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 24 | $ 5,485,000 | $ 228,541 | $ 83,000 |
| Albuquerque, NM | 23 | $ 3,448,000 | $ 149,913 | $ 45,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 23 | $ 4,333,000 | $ 188,391 | $ 82,086 |
| San Luis Obispo-Paso Robles, CA | 23 | $ 9,423,000 | $ 409,695 | $ 122,000 |
| Modesto, CA | 22 | $ 4,885,000 | $ 222,045 | $ 22,000 |
| Houston-Sugar Land-Baytown, TX | 21 | $ 2,770,000 | $ 131,904 | $ 118,000 |
| Richmond, VA | 21 | $ 3,982,000 | $ 189,619 | $ 46,000 |
| Santa Rosa-Petaluma, CA | 21 | $ 7,233,000 | $ 344,428 | $ 84,000 |
| Cambridge-Newton-Framingham, MA | 20 | $ 5,360,000 | $ 268,000 | $ 68,000 |
| Reno-Sparks, NV | 20 | $ 5,032,000 | $ 251,600 | $ 39,000 |
| Dallas-Plano-Irving, TX | 19 | $ 3,290,000 | $ 173,157 | $ 95,000 |
| Honolulu, HI | 19 | $ 7,523,000 | $ 395,947 | $ 93,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 19 | $ 11,435,000 | $ 601,842 | $ 199,000 |
| North Port-Bradenton-Sarasota, FL | 17 | $ 3,330,000 | $ 195,882 | $ 74,000 |
| Salinas, CA | 17 | $ 6,087,000 | $ 358,058 | $ 81,000 |
| Stockton, CA | 17 | $ 4,046,000 | $ 238,000 | $ 39,000 |
| Tacoma, WA | 17 | $ 4,130,000 | $ 242,941 | $ 55,000 |
| Boise City-Nampa, ID | 16 | $ 2,942,000 | $ 183,875 | $ 26,000 |
| Bridgeport-Stamford-Norwalk, CT | 16 | $ 4,389,000 | $ 274,312 | $ 90,000 |
| Rochester, NY | 16 | $ 1,655,000 | $ 103,437 | $ 12,000 |
| Hartford-West Hartford-East Hartford, CT | 15 | $ 2,907,000 | $ 193,800 | $ 50,000 |
| New Orleans-Metairie-Kenner, LA | 15 | $ 2,469,000 | $ 164,600 | $ 53,000 |
| Worcester, MA | 15 | $ 3,370,000 | $ 224,666 | $ 74,000 |
| Colorado Springs, CO | 14 | $ 2,882,000 | $ 205,857 | $ 78,000 |
| San Antonio-New Braunfels, TX | 14 | $ 1,852,000 | $ 132,285 | $ 100,000 |
| Warren-Troy-Farmington Hills, MI | 14 | $ 2,523,000 | $ 180,214 | $ 45,000 |
| Anchorage, AK | 13 | $ 3,773,000 | $ 290,230 | $ 138,000 |
| Charleston-North Charleston-Summerville, SC | 13 | $ 2,408,000 | $ 185,230 | $ 29,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 12 | $ 4,301,000 | $ 358,416 | $ 196,000 |
| Cape Coral-Fort Myers, FL | 11 | $ 2,014,000 | $ 183,090 | $ 53,000 |
| Detroit-Livonia-Dearborn, MI | 11 | $ 1,778,000 | $ 161,636 | $ 56,000 |
| Kansas City, MO-KS | 11 | $ 1,880,000 | $ 170,909 | $ 71,636 |
| Lake Havasu City-Kingman, AZ | 11 | $ 1,950,000 | $ 177,272 | $ 46,000 |
| Palm Bay-Melbourne-Titusville, FL | 11 | $ 1,608,000 | $ 146,181 | $ 22,000 |
| Salt Lake City, UT | 11 | $ 2,412,000 | $ 219,272 | $ 28,000 |
| Spokane, WA | 11 | $ 1,848,000 | $ 168,000 | $ 38,000 |
| Visalia-Porterville, CA | 11 | $ 2,133,000 | $ 193,909 | $ 36,000 |
| Portland-South Portland-Biddeford, ME | 10 | $ 2,452,000 | $ 245,200 | $ 105,000 |
| Rockingham County-Strafford County, NH | 10 | $ 2,181,000 | $ 218,100 | $ 100,000 |
| Vallejo-Fairfield, CA | 10 | $ 3,097,000 | $ 309,700 | $ 61,000 |
| Wilmington, DE-MD-NJ | 10 | $ 2,485,000 | $ 248,500 | $ 63,200 |
| Yuba City, CA | 10 | $ 2,284,000 | $ 228,400 | $ 20,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 9 | $ 1,400,000 | $ 155,555 | $ 52,444 |
| Barnstable Town, MA | 9 | $ 2,097,000 | $ 233,000 | $ 67,000 |
| Columbus, OH | 9 | $ 921,000 | $ 102,333 | $ 67,000 |
| El Centro, CA | 9 | $ 1,771,000 | $ 196,777 | $ 21,000 |
| Hanford-Corcoran, CA | 9 | $ 1,962,000 | $ 218,000 | $ 87,000 |
| Kingston, NY | 9 | $ 1,608,000 | $ 178,666 | $ 82,000 |
| Redding, CA | 9 | $ 1,875,000 | $ 208,333 | $ 62,000 |
| Eugene-Springfield, OR | 8 | $ 1,502,000 | $ 187,750 | $ 38,000 |
| Fort Worth-Arlington, TX | 8 | $ 1,152,000 | $ 144,000 | $ 90,000 |
| Peabody, MA | 8 | $ 2,292,000 | $ 286,500 | $ 100,000 |
| Port St. Lucie, FL | 8 | $ 1,402,000 | $ 175,250 | $ 28,000 |
| Raleigh-Cary, NC | 8 | $ 1,534,000 | $ 191,750 | $ 27,000 |
| Shreveport-Bossier City, LA | 8 | $ 1,110,000 | $ 138,750 | $ 21,000 |
| Tucson, AZ | 8 | $ 1,010,000 | $ 126,250 | $ 35,000 |
| Bremerton-Silverdale, WA | 7 | $ 1,730,000 | $ 247,142 | $ 53,000 |
| Flint, MI | 7 | $ 847,000 | $ 121,000 | $ 45,000 |
| Merced, CA | 7 | $ 1,718,000 | $ 245,428 | $ 30,000 |
| Savannah, GA | 7 | $ 1,313,000 | $ 187,571 | $ 66,000 |
| Scranton--Wilkes-Barre, PA | 7 | $ 932,000 | $ 133,142 | $ 11,000 |
| St. Louis, MO-IL | 7 | $ 859,000 | $ 122,714 | $ 45,142 |
| Wilmington, NC | 7 | $ 1,392,000 | $ 198,857 | $ 52,000 |
| Asheville, NC | 6 | $ 1,012,000 | $ 168,666 | $ 80,000 |
| Atlantic City-Hammonton, NJ | 6 | $ 1,146,000 | $ 191,000 | $ 36,000 |
| Cedar Rapids, IA | 6 | $ 721,000 | $ 120,166 | $ 0 |
| Chico, CA | 6 | $ 1,853,000 | $ 308,833 | $ 269,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 6 | $ 978,000 | $ 163,000 | $ 72,000 |
| Fort Collins-Loveland, CO | 6 | $ 1,331,000 | $ 221,833 | $ 115,000 |
| Kennewick-Pasco-Richland, WA | 6 | $ 859,000 | $ 143,166 | $ 99,000 |
| Lake County-Kenosha County, IL-WI | 6 | $ 1,377,000 | $ 229,500 | $ 30,833 |
| Lakeland-Winter Haven, FL | 6 | $ 864,000 | $ 144,000 | $ 29,000 |
| Salem, OR | 6 | $ 1,293,000 | $ 215,500 | $ 63,000 |
| Salisbury, MD | 6 | $ 1,132,000 | $ 188,666 | $ 59,000 |
| York-Hanover, PA | 6 | $ 934,000 | $ 155,666 | $ 27,000 |
| Albany-Schenectady-Troy, NY | 5 | $ 929,000 | $ 185,800 | $ 85,000 |
| Bend, OR | 5 | $ 1,227,000 | $ 245,400 | $ 86,000 |
| Boulder, CO | 5 | $ 1,188,000 | $ 237,600 | $ 61,000 |
| Cleveland-Elyria-Mentor, OH | 5 | $ 698,000 | $ 139,600 | $ 46,000 |
| Columbia, SC | 5 | $ 906,000 | $ 181,200 | $ 44,000 |
| Dayton, OH | 5 | $ 410,000 | $ 82,000 | $ 75,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 720,000 | $ 144,000 | $ 16,000 |
| Flagstaff, AZ | 5 | $ 1,067,000 | $ 213,400 | $ 78,000 |
| Longview, WA | 5 | $ 757,000 | $ 151,400 | $ 100,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 5 | $ 863,000 | $ 172,600 | $ 63,000 |
| Pittsburgh, PA | 5 | $ 897,000 | $ 179,400 | $ 52,000 |
| Prescott, AZ | 5 | $ 880,000 | $ 176,000 | $ 33,000 |
| Trenton-Ewing, NJ | 5 | $ 1,358,000 | $ 271,600 | $ 89,000 |
| Baton Rouge, LA | 4 | $ 614,000 | $ 153,500 | $ 42,000 |
| Bellingham, WA | 4 | $ 855,000 | $ 213,750 | $ 23,000 |
| Birmingham-Hoover, AL | 4 | $ 616,000 | $ 154,000 | $ 12,000 |
| Durham-Chapel Hill, NC | 4 | $ 576,000 | $ 144,000 | $ 109,000 |
| Gary, IN | 4 | $ 655,000 | $ 163,750 | $ 351,000 |
| Greeley, CO | 4 | $ 909,000 | $ 227,250 | $ 72,000 |
| Greenville-Mauldin-Easley, SC | 4 | $ 452,000 | $ 113,000 | $ 60,000 |
| Killeen-Temple-Fort Hood, TX | 4 | $ 746,000 | $ 186,500 | $ 167,000 |
| Lansing-East Lansing, MI | 4 | $ 770,000 | $ 192,500 | $ 77,000 |
| Manchester-Nashua, NH | 4 | $ 884,000 | $ 221,000 | $ 62,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 713,000 | $ 178,250 | $ 102,000 |
| Medford, OR | 4 | $ 892,000 | $ 223,000 | $ 55,000 |
| Memphis, TN-MS-AR | 4 | $ 646,000 | $ 161,500 | $ 177,250 |
| Mobile, AL | 4 | $ 400,000 | $ 100,000 | $ 9,000 |
| Napa, CA | 4 | $ 1,296,000 | $ 324,000 | $ 158,000 |
| Norwich-New London, CT | 4 | $ 634,000 | $ 158,500 | $ 24,000 |
| Ocala, FL | 4 | $ 439,000 | $ 109,750 | $ 17,000 |
| Oklahoma City, OK | 4 | $ 523,000 | $ 130,750 | $ 79,000 |
| Olympia, WA | 4 | $ 896,000 | $ 224,000 | $ 51,000 |
| Provo-Orem, UT | 4 | $ 804,000 | $ 201,000 | $ 60,000 |
| Tallahassee, FL | 4 | $ 470,000 | $ 117,500 | $ 69,000 |
| Akron, OH | 3 | $ 268,000 | $ 89,333 | $ 54,000 |
| Ann Arbor, MI | 3 | $ 712,000 | $ 237,333 | $ 80,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 482,000 | $ 160,666 | $ 63,000 |
| Burlington-South Burlington, VT | 3 | $ 485,000 | $ 161,666 | $ 60,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 618,000 | $ 206,000 | $ 87,000 |
| Des Moines-West Des Moines, IA | 3 | $ 341,000 | $ 113,666 | $ 14,000 |
| El Paso, TX | 3 | $ 597,000 | $ 199,000 | $ 108,000 |
| Gainesville, GA | 3 | $ 573,000 | $ 191,000 | $ 117,000 |
| Greensboro-High Point, NC | 3 | $ 570,000 | $ 190,000 | $ 75,000 |
| Harrisburg-Carlisle, PA | 3 | $ 345,000 | $ 115,000 | $ 51,000 |
| Indianapolis-Carmel, IN | 3 | $ 344,000 | $ 114,666 | $ 7,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 619,000 | $ 206,333 | $ 82,000 |
| Madera-Chowchilla, CA | 3 | $ 823,000 | $ 274,333 | $ 75,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 381,000 | $ 127,000 | $ 25,000 |
| Palm Coast, FL | 3 | $ 374,000 | $ 124,666 | $ 57,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 1,063,000 | $ 354,333 | $ 95,000 |
| Santa Fe, NM | 3 | $ 875,000 | $ 291,666 | $ 82,000 |
| Springfield, MA | 3 | $ 521,000 | $ 173,666 | $ 57,000 |
| Yakima, WA | 3 | $ 581,000 | $ 193,666 | $ 91,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 214,000 | $ 107,000 | $ 48,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 297,000 | $ 148,500 | $ 10,000 |
| Elkhart-Goshen, IN | 2 | $ 249,000 | $ 124,500 | $ 21,000 |
| Grand Junction, CO | 2 | $ 273,000 | $ 136,500 | $ 13,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 370,000 | $ 185,000 | $ 42,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 441,000 | $ 220,500 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 295,000 | $ 147,500 | $ 0 |
| Huntsville, AL | 2 | $ 246,000 | $ 123,000 | $ 0 |
| Idaho Falls, ID | 2 | $ 339,000 | $ 169,500 | $ 56,000 |
| Jackson, MS | 2 | $ 325,000 | $ 162,500 | $ 326,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 584,000 | $ 292,000 | $ 196,500 |
| Lafayette, LA | 2 | $ 605,000 | $ 302,500 | $ 133,000 |
| Lancaster, PA | 2 | $ 185,000 | $ 92,500 | $ 22,000 |
| Lexington-Fayette, KY | 2 | $ 340,000 | $ 170,000 | $ 38,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 337,000 | $ 168,500 | $ 0 |
| Manhattan, KS | 2 | $ 210,000 | $ 105,000 | $ 64,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 547,000 | $ 273,500 | $ 51,000 |
| Naples-Marco Island, FL | 2 | $ 346,000 | $ 173,000 | $ 97,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 326,000 | $ 163,000 | $ 16,000 |
| Ocean City, NJ | 2 | $ 570,000 | $ 285,000 | $ 50,000 |
| Ogden-Clearfield, UT | 2 | $ 287,000 | $ 143,500 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 256,000 | $ 128,000 | $ 42,000 |
| Pueblo, CO | 2 | $ 231,000 | $ 115,500 | $ 86,000 |
| Punta Gorda, FL | 2 | $ 532,000 | $ 266,000 | $ 30,000 |
| Sandusky, OH | 2 | $ 210,000 | $ 105,000 | $ 43,000 |
| Sebastian-Vero Beach, FL | 2 | $ 390,000 | $ 195,000 | $ 53,000 |
| Sheboygan, WI | 2 | $ 250,000 | $ 125,000 | $ 329,000 |
| St. George, UT | 2 | $ 360,000 | $ 180,000 | $ 24,000 |
| Tulsa, OK | 2 | $ 178,000 | $ 89,000 | $ 39,000 |
| Utica-Rome, NY | 2 | $ 173,000 | $ 86,500 | $ 54,000 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 285,000 | $ 142,500 | $ 115,000 |
| Waco, TX | 2 | $ 295,000 | $ 147,500 | $ 101,000 |
| Warner Robins, GA | 2 | $ 298,000 | $ 149,000 | $ 34,000 |
| Wenatchee-East Wenatchee, WA | 2 | $ 368,000 | $ 184,000 | $ 33,000 |
| Winston-Salem, NC | 2 | $ 236,000 | $ 118,000 | $ 18,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 147,000 | $ 73,500 | $ 10,000 |
| Amarillo, TX | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Anderson, IN | 1 | $ 114,000 | $ 114,000 | $ 71,000 |
| Anderson, SC | 1 | $ 160,000 | $ 160,000 | $ 46,000 |
| Anniston-Oxford, AL | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 104,000 | $ 104,000 | $ 189,000 |
| Bloomington, IN | 1 | $ 161,000 | $ 161,000 | $ 68,000 |
| Brownsville-Harlingen, TX | 1 | $ 220,000 | $ 220,000 | $ 105,000 |
| Canton-Massillon, OH | 1 | $ 116,000 | $ 116,000 | $ 50,000 |
| Carson City, NV | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Charlottesville, VA | 1 | $ 273,000 | $ 273,000 | $ 142,000 |
| Chattanooga, TN-GA | 1 | $ 74,000 | $ 74,000 | $ 52,000 |
| Cleveland, TN | 1 | $ 125,000 | $ 125,000 | $ 76,000 |
| Columbus, GA-AL | 1 | $ 270,000 | $ 270,000 | $ 205,000 |
| Corvallis, OR | 1 | $ 148,000 | $ 148,000 | $ 36,000 |
| Dover, DE | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Elizabethtown, KY | 1 | $ 247,000 | $ 247,000 | $ 238,000 |
| Evansville, IN-KY | 1 | $ 59,000 | $ 59,000 | $ 45,000 |
| Fayetteville, NC | 1 | $ 176,000 | $ 176,000 | $ 155,000 |
| Gadsden, AL | 1 | $ 126,000 | $ 126,000 | $ 61,000 |
| Gainesville, FL | 1 | $ 101,000 | $ 101,000 | $ 220,000 |
| Glens Falls, NY | 1 | $ 146,000 | $ 146,000 | $ 198,000 |
| Harrisonburg, VA | 1 | $ 238,000 | $ 238,000 | $ 49,000 |
| Hot Springs, AR | 1 | $ 117,000 | $ 117,000 | $ 38,000 |
| Jackson, MI | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Kalamazoo-Portage, MI | 1 | $ 107,000 | $ 107,000 | $ 43,000 |
| Knoxville, TN | 1 | $ 67,000 | $ 67,000 | $ 21,000 |
| Las Cruces, NM | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Lebanon, PA | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Lima, OH | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Lincoln, NE | 1 | $ 70,000 | $ 70,000 | $ 68,000 |
| Lynchburg, VA | 1 | $ 245,000 | $ 245,000 | $ 109,000 |
| Madison, WI | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Michigan City-La Porte, IN | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 66,000 | $ 66,000 | $ 26,000 |
| Missoula, MT | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Monroe, MI | 1 | $ 263,000 | $ 263,000 | $ 113,000 |
| Montgomery, AL | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Morristown, TN | 1 | $ 102,000 | $ 102,000 | $ 91,000 |
| Pine Bluff, AR | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| Pittsfield, MA | 1 | $ 154,000 | $ 154,000 | $ 86,000 |
| Reading, PA | 1 | $ 148,000 | $ 148,000 | $ 92,000 |
| Roanoke, VA | 1 | $ 388,000 | $ 388,000 | $ 180,000 |
| Rochester, MN | 1 | $ 156,000 | $ 156,000 | $ 60,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 98,000 | $ 98,000 | $ 41,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Spartanburg, SC | 1 | $ 116,000 | $ 116,000 | $ 28,000 |
| Syracuse, NY | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Topeka, KS | 1 | $ 208,000 | $ 208,000 | $ 162,000 |
| Tuscaloosa, AL | 1 | $ 183,000 | $ 183,000 | $ 66,000 |
| Tyler, TX | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Valdosta, GA | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Wichita, KS | 1 | $ 120,000 | $ 120,000 | $ 80,000 |
| Yuma, AZ | 1 | $ 201,000 | $ 201,000 | $ 76,000 |
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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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