Rbs Citizens, N.A. Mortgage Lending & HMDA Data, 2010

In 2010, Rbs Citizens, N.A. of Providence, RI reported 56,303 mortgage applications totaling $9.6 billion, about the same as 2009. The average application was for $170,827, and applicants reported an average income of $101,194. 58% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Providence-New Bedford-Fall River, RI-MA (6,525), Boston-Quincy, MA (4,494) and Philadelphia, PA (4,443) (applications in parentheses).

Mortgage Company & Address Rbs Citizens, N.A.
One Citizens Plaza
Providence, RI 02903
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  
Total Number of Mortgage Applications 56,303
Total Mortgage Loan Application Amount $9,618,087,000
Average Mortgage Loan Application Amount $170,827
Highest Mortgage Loan Application Amount $34,000,000
Average Applicant Income $101,194
Highest Applicant Income $6,625,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Rbs Citizens, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Rbs Citizens, N.A. by County in 2010

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Middlesex, Massachusetts 3,263 $ 895,820,000 $ 274,538 $ 141,000
Providence, Rhode Island 2,885 $ 425,529,000 $ 147,497 $ 77,000
Cook, Illinois 2,812 $ 394,991,000 $ 140,466 $ 88,000
Erie, New York 1,927 $ 127,872,000 $ 66,358 $ 58,000
Norfolk, Massachusetts 1,827 $ 514,495,000 $ 281,606 $ 147,000
Wayne, Michigan 1,654 $ 124,469,000 $ 75,253 $ 62,000
Cuyahoga, Ohio 1,513 $ 131,309,000 $ 86,787 $ 70,000
Suffolk, Massachusetts 1,493 $ 314,376,000 $ 210,566 $ 104,000
Oakland, Michigan 1,295 $ 220,009,000 $ 169,891 $ 114,000
Kent, Rhode Island 1,233 $ 163,470,000 $ 132,579 $ 84,000
Plymouth, Massachusetts 1,174 $ 263,982,000 $ 224,856 $ 117,000
Montgomery, Pennsylvania 1,149 $ 279,614,000 $ 243,354 $ 139,000
Philadelphia, Pennsylvania 1,110 $ 177,982,000 $ 160,344 $ 84,000
Monroe, New York 1,102 $ 67,884,000 $ 61,600 $ 56,000
Rockingham, New Hampshire 1,065 $ 205,619,000 $ 193,069 $ 109,000
Bristol, Massachusetts 1,018 $ 190,621,000 $ 187,250 $ 99,000
Macomb, Michigan 1,014 $ 99,368,000 $ 97,996 $ 65,000
Hillsborough, New Hampshire 971 $ 178,455,000 $ 183,784 $ 108,000
Allegheny, Pennsylvania 878 $ 127,407,000 $ 145,110 $ 98,000
Essex, Massachusetts 856 $ 217,698,000 $ 254,320 $ 123,000
Bucks, Pennsylvania 826 $ 195,626,000 $ 236,835 $ 133,000
Barnstable, Massachusetts 805 $ 190,964,000 $ 237,222 $ 133,000
Lucas, Ohio 770 $ 46,854,000 $ 60,849 $ 54,000
Washington, Rhode Island 729 $ 133,176,000 $ 182,683 $ 107,000
Chester, Pennsylvania 715 $ 194,511,000 $ 272,043 $ 143,000
Delaware, Pennsylvania 643 $ 144,438,000 $ 224,631 $ 126,000
New Castle, Delaware 638 $ 128,610,000 $ 201,583 $ 124,000
New Haven, Connecticut 626 $ 133,643,000 $ 213,487 $ 118,000
Stark, Ohio 535 $ 36,299,000 $ 67,848 $ 51,000
Hampden, Massachusetts 528 $ 64,174,000 $ 121,541 $ 70,000
New London, Connecticut 510 $ 82,516,000 $ 161,796 $ 96,000
DuPage, Illinois 506 $ 127,378,000 $ 251,735 $ 133,000
Summit, Ohio 492 $ 43,881,000 $ 89,189 $ 64,000
Worcester, Massachusetts 490 $ 100,513,000 $ 205,128 $ 112,000
Onondaga, New York 360 $ 18,575,000 $ 51,597 $ 55,000
Niagara, New York 343 $ 25,323,000 $ 73,827 $ 56,000
Berks, Pennsylvania 343 $ 47,692,000 $ 139,043 $ 79,000
Newport, Rhode Island 340 $ 97,871,000 $ 287,855 $ 155,000
Merrimack, New Hampshire 339 $ 52,007,000 $ 153,412 $ 97,000
Strafford, New Hampshire 320 $ 46,128,000 $ 144,150 $ 106,000
Bristol, Rhode Island 320 $ 70,666,000 $ 220,831 $ 123,000
Middlesex, Connecticut 319 $ 57,652,000 $ 180,727 $ 97,000
Lake, Ohio 303 $ 37,417,000 $ 123,488 $ 76,000
Will, Illinois 282 $ 50,104,000 $ 177,673 $ 102,000
Luzerne, Pennsylvania 279 $ 37,256,000 $ 133,534 $ 78,000
Franklin, Ohio 265 $ 8,416,000 $ 31,758 $ 46,000
Albany, New York 256 $ 34,973,000 $ 136,613 $ 83,000
Sussex, Delaware 249 $ 57,251,000 $ 229,923 $ 140,000
Carroll, New Hampshire 247 $ 37,225,000 $ 150,708 $ 98,000
Hartford, Connecticut 244 $ 39,985,000 $ 163,872 $ 101,000
Saratoga, New York 238 $ 38,512,000 $ 161,815 $ 93,000
Lancaster, Pennsylvania 222 $ 33,609,000 $ 151,391 $ 91,000
Cape May, New Jersey 215 $ 98,393,000 $ 457,641 $ 305,000
Oneida, New York 208 $ 7,549,000 $ 36,293 $ 51,000
Orange, New York 201 $ 31,841,000 $ 158,412 $ 86,000
Hampshire, Massachusetts 199 $ 33,423,000 $ 167,954 $ 88,000
Westmoreland, Pennsylvania 196 $ 27,993,000 $ 142,821 $ 88,000
Fairfield, Connecticut 189 $ 79,088,000 $ 418,455 $ 219,000
Chittenden, Vermont 188 $ 41,532,000 $ 220,914 $ 138,000
Dauphin, Pennsylvania 174 $ 24,282,000 $ 139,551 $ 83,000
Kent, Delaware 168 $ 23,513,000 $ 139,958 $ 72,000
Westchester, New York 168 $ 57,743,000 $ 343,708 $ 174,000
Belknap, New Hampshire 167 $ 26,842,000 $ 160,730 $ 122,000
Lake, Illinois 155 $ 59,771,000 $ 385,619 $ 203,000
Monroe, Pennsylvania 153 $ 25,397,000 $ 165,993 $ 95,000
Cumberland, Pennsylvania 148 $ 23,337,000 $ 157,682 $ 97,000
Dutchess, New York 140 $ 22,757,000 $ 162,550 $ 107,000
Mahoning, Ohio 139 $ 10,658,000 $ 76,676 $ 63,000
Geauga, Ohio 137 $ 21,417,000 $ 156,328 $ 98,000
Butler, Pennsylvania 137 $ 22,449,000 $ 163,861 $ 92,000
Broome, New York 135 $ 5,199,000 $ 38,511 $ 50,000
Grafton, New Hampshire 134 $ 22,158,000 $ 165,358 $ 119,000
York, Maine 131 $ 26,009,000 $ 198,541 $ 109,000
Wayne, New York 131 $ 6,589,000 $ 50,297 $ 49,000
Erie, Pennsylvania 131 $ 19,254,000 $ 146,977 $ 88,000
Washington, Pennsylvania 131 $ 19,456,000 $ 148,519 $ 94,000
Suffolk, New York 129 $ 26,696,000 $ 206,945 $ 132,000
Rutland, Vermont 126 $ 13,739,000 $ 109,039 $ 100,000
Camden, New Jersey 123 $ 23,443,000 $ 190,593 $ 124,000
York, Pennsylvania 122 $ 19,565,000 $ 160,368 $ 90,000
McHenry, Illinois 118 $ 20,174,000 $ 170,966 $ 87,000
Schenectady, New York 116 $ 9,807,000 $ 84,543 $ 75,000
Monroe, Michigan 115 $ 12,479,000 $ 108,513 $ 71,000
Medina, Ohio 111 $ 13,659,000 $ 123,054 $ 82,000
Lorain, Ohio 110 $ 11,009,000 $ 100,081 $ 67,000
Kane, Illinois 109 $ 21,972,000 $ 201,577 $ 130,000
Scioto, Ohio 108 $ 4,808,000 $ 44,518 $ 53,000
Blair, Pennsylvania 108 $ 13,109,000 $ 121,379 $ 69,000
Lehigh, Pennsylvania 108 $ 20,141,000 $ 186,490 $ 102,000
Livingston, Michigan 106 $ 19,707,000 $ 185,915 $ 109,000
Burlington, New Jersey 106 $ 23,710,000 $ 223,679 $ 119,000
Ulster, New York 105 $ 13,350,000 $ 127,142 $ 84,000
Beaver, Pennsylvania 105 $ 12,769,000 $ 121,609 $ 74,000
Rensselaer, New York 104 $ 10,362,000 $ 99,634 $ 67,000
Rockland, New York 101 $ 28,761,000 $ 284,762 $ 125,000
Nassau, New York 100 $ 23,554,000 $ 235,540 $ 148,000
Washtenaw, Michigan 99 $ 18,437,000 $ 186,232 $ 102,000
Ontario, New York 98 $ 9,915,000 $ 101,173 $ 70,000
Windham, Connecticut 96 $ 12,263,000 $ 127,739 $ 79,000
Coos, New Hampshire 91 $ 7,636,000 $ 83,912 $ 66,000
Wood, Ohio 84 $ 9,670,000 $ 115,119 $ 93,000
Otsego, New York 83 $ 5,312,000 $ 64,000 $ 48,000
Trumbull, Ohio 83 $ 5,283,000 $ 63,650 $ 54,000
Portage, Ohio 82 $ 10,148,000 $ 123,756 $ 77,000
Northampton, Pennsylvania 80 $ 14,207,000 $ 177,587 $ 90,000
Queens, New York 77 $ 19,299,000 $ 250,636 $ 95,000
Berkshire, Massachusetts 76 $ 10,636,000 $ 139,947 $ 132,000
Kalamazoo, Michigan 76 $ 7,526,000 $ 99,026 $ 80,000
Windsor, Vermont 74 $ 11,932,000 $ 161,243 $ 131,000
Warren, New York 72 $ 11,288,000 $ 156,777 $ 103,000
Montgomery, Ohio 70 $ 764,000 $ 10,914 $ 37,000
Lackawanna, Pennsylvania 70 $ 13,417,000 $ 191,671 $ 102,000
Kings, New York 69 $ 14,028,000 $ 203,304 $ 97,000
Madison, New York 69 $ 3,008,000 $ 43,594 $ 58,000
Livingston, New York 68 $ 3,139,000 $ 46,161 $ 52,000
New York, New York 68 $ 34,375,000 $ 505,514 $ 293,000
Pike, Pennsylvania 68 $ 11,214,000 $ 164,911 $ 84,000
Cheshire, New Hampshire 65 $ 8,060,000 $ 124,000 $ 79,000
Shiawassee, Michigan 63 $ 3,198,000 $ 50,761 $ 54,000
Bennington, Vermont 63 $ 8,239,000 $ 130,777 $ 93,000
St. Clair, Michigan 59 $ 7,656,000 $ 129,762 $ 83,000
Ingham, Michigan 57 $ 10,305,000 $ 180,789 $ 108,000
Herkimer, New York 57 $ 2,543,000 $ 44,614 $ 37,000
Centre, Pennsylvania 55 $ 9,494,000 $ 172,618 $ 93,000
Sullivan, New Hampshire 54 $ 6,203,000 $ 114,870 $ 99,000
Addison, Vermont 52 $ 6,356,000 $ 122,230 $ 75,000
Gloucester, New Jersey 50 $ 10,699,000 $ 213,980 $ 156,000
Franklin, Vermont 49 $ 5,203,000 $ 106,183 $ 73,000
Columbiana, Ohio 47 $ 4,045,000 $ 86,063 $ 60,000
Atlantic, New Jersey 46 $ 16,047,000 $ 348,847 $ 230,000
Franklin, Massachusetts 45 $ 7,937,000 $ 176,377 $ 82,000
Bergen, New Jersey 45 $ 21,680,000 $ 481,777 $ 273,000
Washington, New York 45 $ 4,119,000 $ 91,533 $ 64,000
Bronx, New York 44 $ 8,354,000 $ 189,863 $ 102,000
Tolland, Connecticut 42 $ 7,038,000 $ 167,571 $ 109,000
Montgomery, Maryland 42 $ 15,125,000 $ 360,119 $ 167,000
Morris, New Jersey 42 $ 15,738,000 $ 374,714 $ 176,000
Ocean, New Jersey 42 $ 14,946,000 $ 355,857 $ 336,000
Mercer, Pennsylvania 42 $ 4,419,000 $ 105,214 $ 71,000
Windham, Vermont 41 $ 5,608,000 $ 136,780 $ 101,000
Oswego, New York 37 $ 1,271,000 $ 34,351 $ 50,000
Armstrong, Pennsylvania 35 $ 3,670,000 $ 104,857 $ 86,000
Fairfax, Virginia 35 $ 11,921,000 $ 340,600 $ 180,000
Allegan, Michigan 34 $ 2,624,000 $ 77,176 $ 56,000
Lee, Florida 33 $ 5,630,000 $ 170,606 $ 166,000
Saginaw, Michigan 33 $ 1,546,000 $ 46,848 $ 53,000
Hamilton, Indiana 32 $ 7,702,000 $ 240,687 $ 150,000
Monmouth, New Jersey 32 $ 14,994,000 $ 468,562 $ 321,000
Chenango, New York 32 $ 1,835,000 $ 57,343 $ 61,000
Marion, Indiana 31 $ 4,456,000 $ 143,741 $ 94,000
Genesee, Michigan 31 $ 2,897,000 $ 93,451 $ 79,000
Somerset, New Jersey 31 $ 11,612,000 $ 374,580 $ 164,000
Lake, Indiana 30 $ 1,741,000 $ 58,033 $ 41,000
Lebanon, Pennsylvania 29 $ 5,171,000 $ 178,310 $ 106,000
Cortland, New York 28 $ 888,000 $ 31,714 $ 46,000
Putnam, New York 28 $ 9,035,000 $ 322,678 $ 162,000
Richmond, New York 28 $ 3,893,000 $ 139,035 $ 80,000
Dukes, Massachusetts 27 $ 13,537,000 $ 501,370 $ 358,000
Lapeer, Michigan 27 $ 3,260,000 $ 120,740 $ 87,000
Mercer, New Jersey 27 $ 7,995,000 $ 296,111 $ 159,000
Fulton, New York 27 $ 2,561,000 $ 94,851 $ 106,000
Montgomery, New York 27 $ 1,493,000 $ 55,296 $ 56,000
Tompkins, New York 27 $ 1,070,000 $ 39,629 $ 51,000
Collier, Florida 26 $ 8,731,000 $ 335,807 $ 295,000
Kendall, Illinois 26 $ 3,826,000 $ 147,153 $ 91,000
Carbon, Pennsylvania 26 $ 3,163,000 $ 121,653 $ 67,000
Litchfield, Connecticut 25 $ 5,309,000 $ 212,360 $ 124,000
Sullivan, New York 24 $ 2,852,000 $ 118,833 $ 79,000
Wayne, Ohio 24 $ 1,917,000 $ 79,875 $ 65,000
Howard, Maryland 23 $ 8,412,000 $ 365,739 $ 176,000
Cattaraugus, New York 23 $ 1,785,000 $ 77,608 $ 65,000
Steuben, New York 22 $ 1,949,000 $ 88,590 $ 75,000
Wyoming, New York 22 $ 1,919,000 $ 87,227 $ 74,000
Cumberland, Maine 20 $ 4,745,000 $ 237,250 $ 172,000
Kent, Michigan 20 $ 2,683,000 $ 134,150 $ 78,000
Delaware, New York 20 $ 3,381,000 $ 169,050 $ 87,000
Schuylkill, Pennsylvania 20 $ 2,255,000 $ 112,750 $ 70,000
Nantucket, Massachusetts 19 $ 13,577,000 $ 714,578 $ 544,000
Clinton, Michigan 19 $ 2,657,000 $ 139,842 $ 100,000
Chautauqua, New York 19 $ 691,000 $ 36,368 $ 46,000
Genesee, New York 19 $ 1,186,000 $ 62,421 $ 58,000
Greene, New York 19 $ 2,853,000 $ 150,157 $ 74,000
Orleans, New York 19 $ 836,000 $ 44,000 $ 53,000
Tioga, New York 19 $ 1,199,000 $ 63,105 $ 53,000
Mecklenburg, North Carolina 19 $ 3,667,000 $ 193,000 $ 357,000
Hamilton, Ohio 19 $ 3,976,000 $ 209,263 $ 185,000
Washington, Vermont 19 $ 2,708,000 $ 142,526 $ 91,000
Maricopa, Arizona 18 $ 4,946,000 $ 274,777 $ 228,000
Palm Beach, Florida 18 $ 3,630,000 $ 201,666 $ 251,000
Eaton, Michigan 18 $ 2,432,000 $ 135,111 $ 92,000
Van Buren, Michigan 18 $ 2,350,000 $ 130,555 $ 84,000
Tuscarawas, Ohio 18 $ 1,341,000 $ 74,500 $ 68,000
Essex, New Jersey 17 $ 4,663,000 $ 274,294 $ 227,000
Ottawa, Ohio 17 $ 3,188,000 $ 187,529 $ 115,000
Crawford, Pennsylvania 17 $ 1,694,000 $ 99,647 $ 66,000
Orange, Vermont 17 $ 1,883,000 $ 110,764 $ 66,000
Hunterdon, New Jersey 16 $ 5,062,000 $ 316,375 $ 136,000
Middlesex, New Jersey 16 $ 3,088,000 $ 193,000 $ 116,000
Delaware, Ohio 16 $ 2,590,000 $ 161,875 $ 121,000
Venango, Pennsylvania 16 $ 1,518,000 $ 94,875 $ 79,000
Broward, Florida 15 $ 3,714,000 $ 247,600 $ 215,000
Anne Arundel, Maryland 15 $ 4,958,000 $ 330,533 $ 182,000
Union, New Jersey 15 $ 4,714,000 $ 314,266 $ 162,000
Cayuga, New York 15 $ 335,000 $ 22,333 $ 43,000
Clinton, New York 15 $ 1,363,000 $ 90,866 $ 70,000
Oxford, Maine 14 $ 2,290,000 $ 163,571 $ 127,000
Prince George's, Maryland 14 $ 2,901,000 $ 207,214 $ 113,000
Licking, Ohio 14 $ 615,000 $ 43,928 $ 59,000
Horry, South Carolina 14 $ 2,824,000 $ 201,714 $ 115,000
District of Columbia, District Of Columbia 13 $ 3,935,000 $ 302,692 $ 163,000
Greenup, Kentucky 13 $ 1,118,000 $ 86,000 $ 73,000
Charlevoix, Michigan 13 $ 5,314,000 $ 408,769 $ 300,000
Chemung, New York 13 $ 356,000 $ 27,384 $ 36,000
Baltimore, Maryland 12 $ 2,562,000 $ 213,500 $ 103,000
Worcester, Maryland 12 $ 2,680,000 $ 223,333 $ 165,000
Lenawee, Michigan 12 $ 1,909,000 $ 159,083 $ 211,000
Franklin, New York 12 $ 1,978,000 $ 164,833 $ 129,000
Wayne, Pennsylvania 12 $ 1,699,000 $ 141,583 $ 105,000
Essex, Vermont 12 $ 1,373,000 $ 114,416 $ 123,000
Arlington, Virginia 12 $ 5,287,000 $ 440,583 $ 221,000
Grundy, Illinois 11 $ 1,031,000 $ 93,727 $ 75,000
Cecil, Maryland 11 $ 2,481,000 $ 225,545 $ 120,000
Charles, Maryland 11 $ 2,392,000 $ 217,454 $ 133,000
Harford, Maryland 11 $ 3,591,000 $ 326,454 $ 162,000
Fayette, Pennsylvania 11 $ 1,597,000 $ 145,181 $ 69,000
Perry, Pennsylvania 11 $ 1,642,000 $ 149,272 $ 70,000
Miami-Dade, Florida 10 $ 2,391,000 $ 239,100 $ 831,000
Pinellas, Florida 10 $ 1,996,000 $ 199,600 $ 188,000
Hudson, New Jersey 10 $ 3,229,000 $ 322,900 $ 120,000
Essex, New York 10 $ 1,708,000 $ 170,800 $ 124,000
Ashtabula, Ohio 10 $ 934,000 $ 93,400 $ 48,000
Carroll, Ohio 10 $ 765,000 $ 76,500 $ 109,000
Fairfield, Ohio 10 $ 1,230,000 $ 123,000 $ 68,000
Charlotte, Florida 9 $ 984,000 $ 109,333 $ 96,000
Orange, Florida 9 $ 1,110,000 $ 123,333 $ 105,000
Sarasota, Florida 9 $ 1,688,000 $ 187,555 $ 143,000
Hendricks, Indiana 9 $ 1,490,000 $ 165,555 $ 82,000
St. Louis, Missouri 9 $ 1,684,000 $ 187,111 $ 121,000
Schoharie, New York 9 $ 650,000 $ 72,222 $ 77,000
Forsyth, North Carolina 9 $ 1,595,000 $ 177,222 $ 111,000
Erie, Ohio 9 $ 55,000 $ 6,111 $ 45,000
Fulton, Ohio 9 $ 1,077,000 $ 119,666 $ 61,000
Franklin, Pennsylvania 9 $ 1,165,000 $ 129,444 $ 85,000
Beaufort, South Carolina 9 $ 2,609,000 $ 289,888 $ 215,000
Charleston, South Carolina 9 $ 3,287,000 $ 365,222 $ 339,000
Grand Isle, Vermont 9 $ 1,440,000 $ 160,000 $ 119,000
Orleans, Vermont 9 $ 2,579,000 $ 286,555 $ 306,000
Fulton, Georgia 8 $ 1,764,000 $ 220,500 $ 134,000
Kankakee, Illinois 8 $ 615,000 $ 76,875 $ 65,000
Barry, Michigan 8 $ 1,514,000 $ 189,250 $ 126,000
Allegany, New York 8 $ 108,000 $ 13,500 $ 43,000
Lawrence, Pennsylvania 8 $ 1,195,000 $ 149,375 $ 84,000
Lamoille, Vermont 8 $ 1,744,000 $ 218,000 $ 168,000
Chesterfield, Virginia 8 $ 2,245,000 $ 280,625 $ 121,000
Los Angeles, California 7 $ 1,587,000 $ 226,714 $ 173,000
San Diego, California 7 $ 1,914,000 $ 273,428 $ 127,000
Marion, Florida 7 $ 931,000 $ 133,000 $ 79,000
Johnson, Indiana 7 $ 1,550,000 $ 221,428 $ 119,000
Antrim, Michigan 7 $ 1,375,000 $ 196,428 $ 130,000
Berrien, Michigan 7 $ 1,976,000 $ 282,285 $ 197,000
Huron, Michigan 7 $ 796,000 $ 113,714 $ 178,000
Clark, Nevada 7 $ 1,241,000 $ 177,285 $ 100,000
Passaic, New Jersey 7 $ 1,653,000 $ 236,142 $ 112,000
Jefferson, New York 7 $ 496,000 $ 70,857 $ 106,000
Cambria, Pennsylvania 7 $ 661,000 $ 94,428 $ 47,000
Somerset, Pennsylvania 7 $ 2,681,000 $ 383,000 $ 267,000
Susquehanna, Pennsylvania 7 $ 1,194,000 $ 170,571 $ 79,000
Caledonia, Vermont 7 $ 1,253,000 $ 179,000 $ 111,000
Henrico, Virginia 7 $ 1,144,000 $ 163,428 $ 59,000
Citrus, Florida 6 $ 695,000 $ 115,833 $ 89,000
Flagler, Florida 6 $ 855,000 $ 142,500 $ 115,000
Volusia, Florida 6 $ 1,050,000 $ 175,000 $ 97,000
Carroll, Maryland 6 $ 1,574,000 $ 262,333 $ 155,000
Jackson, Michigan 6 $ 564,000 $ 94,000 $ 72,000
Muskegon, Michigan 6 $ 508,000 $ 84,666 $ 56,000
Ogemaw, Michigan 6 $ 585,000 $ 97,500 $ 103,000
St. Charles, Missouri 6 $ 954,000 $ 159,000 $ 85,000
Columbia, New York 6 $ 777,000 $ 129,500 $ 68,000
Seneca, New York 6 $ 665,000 $ 110,833 $ 71,000
St. Lawrence, New York 6 $ 586,000 $ 97,666 $ 123,000
Yates, New York 6 $ 562,000 $ 93,666 $ 159,000
Brunswick, North Carolina 6 $ 1,141,000 $ 190,166 $ 91,000
Currituck, North Carolina 6 $ 3,027,000 $ 504,500 $ 296,000
Wake, North Carolina 6 $ 1,514,000 $ 252,333 $ 161,000
Huron, Ohio 6 $ 413,000 $ 68,833 $ 71,000
Adams, Pennsylvania 6 $ 1,249,000 $ 208,166 $ 87,000
Huntingdon, Pennsylvania 6 $ 778,000 $ 129,666 $ 53,000
Hanover, Virginia 6 $ 893,000 $ 148,833 $ 84,000
King, Washington 6 $ 1,453,000 $ 242,166 $ 146,000
Walworth, Wisconsin 6 $ 3,894,000 $ 649,000 $ 478,000
Yavapai, Arizona 5 $ 1,591,000 $ 318,200 $ 240,000
Brevard, Florida 5 $ 701,000 $ 140,200 $ 155,000
Lake, Florida 5 $ 664,000 $ 132,800 $ 114,000
Polk, Florida 5 $ 325,000 $ 65,000 $ 80,000
Sumter, Florida 5 $ 736,000 $ 147,200 $ 70,000
Gwinnett, Georgia 5 $ 751,000 $ 150,200 $ 91,000
Winnebago, Illinois 5 $ 540,000 $ 108,000 $ 115,000
Hancock, Indiana 5 $ 627,000 $ 125,400 $ 93,000
St. Joseph, Indiana 5 $ 886,000 $ 177,200 $ 77,000
Hancock, Maine 5 $ 1,449,000 $ 289,800 $ 350,000
Kennebec, Maine 5 $ 1,445,000 $ 289,000 $ 171,000
Baltimore City, Maryland 5 $ 797,000 $ 159,400 $ 88,000
Iosco, Michigan 5 $ 423,000 $ 84,600 $ 71,000
Ottawa, Michigan 5 $ 417,000 $ 83,400 $ 53,000
Roscommon, Michigan 5 $ 728,000 $ 145,600 $ 127,000
Warren, New Jersey 5 $ 1,112,000 $ 222,400 $ 89,000
Schuyler, New York 5 $ 43,000 $ 8,600 $ 41,000
Buncombe, North Carolina 5 $ 1,344,000 $ 268,800 $ 113,000
Guilford, North Carolina 5 $ 700,000 $ 140,000 $ 61,000
Pickaway, Ohio 5 $ 687,000 $ 137,400 $ 75,000
Sandusky, Ohio 5 $ 413,000 $ 82,600 $ 60,000
Bedford, Pennsylvania 5 $ 643,000 $ 128,600 $ 51,000
Indiana, Pennsylvania 5 $ 858,000 $ 171,600 $ 68,000
Loudoun, Virginia 5 $ 1,684,000 $ 336,800 $ 117,000
Shelby, Alabama 4 $ 708,000 $ 177,000 $ 95,000
Orange, California 4 $ 1,891,000 $ 472,750 $ 266,000
Duval, Florida 4 $ 592,000 $ 148,000 $ 71,000
Hernando, Florida 4 $ 173,000 $ 43,250 $ 52,000
Hillsborough, Florida 4 $ 792,000 $ 198,000 $ 163,000
Manatee, Florida 4 $ 424,000 $ 106,000 $ 178,000
St. Lucie, Florida 4 $ 425,000 $ 106,250 $ 85,000
DeKalb, Georgia 4 $ 614,000 $ 153,500 $ 102,000
Jasper, Indiana 4 $ 692,000 $ 173,000 $ 57,000
Boyd, Kentucky 4 $ 354,000 $ 88,500 $ 68,000
Androscoggin, Maine 4 $ 580,000 $ 145,000 $ 81,000
Lincoln, Maine 4 $ 559,000 $ 139,750 $ 98,000
Frederick, Maryland 4 $ 989,000 $ 247,250 $ 133,000
Calhoun, Michigan 4 $ 496,000 $ 124,000 $ 74,000
Gladwin, Michigan 4 $ 410,000 $ 102,500 $ 124,000
Manistee, Michigan 4 $ 1,038,000 $ 259,500 $ 168,000
Durham, North Carolina 4 $ 664,000 $ 166,000 $ 74,000
Henderson, North Carolina 4 $ 329,000 $ 82,250 $ 45,000
Union, North Carolina 4 $ 2,111,000 $ 527,750 $ 132,000
Ashland, Ohio 4 $ 625,000 $ 156,250 $ 80,000
Butler, Ohio 4 $ 559,000 $ 139,750 $ 79,000
Clinton, Ohio 4 $ 40,000 $ 10,000 $ 35,000
Greene, Ohio 4 $ 428,000 $ 107,000 $ 86,000
Guernsey, Ohio 4 $ 288,000 $ 72,000 $ 50,000
Ross, Ohio 4 $ 36,000 $ 9,000 $ 22,000
Columbia, Pennsylvania 4 $ 778,000 $ 194,500 $ 80,000
Jefferson, Pennsylvania 4 $ 498,000 $ 124,500 $ 48,000
Northumberland, Pennsylvania 4 $ 528,000 $ 132,000 $ 100,000
Georgetown, South Carolina 4 $ 1,808,000 $ 452,000 $ 294,000
Albemarle, Virginia 4 $ 1,037,000 $ 259,250 $ 201,000
Richmond City, Virginia 4 $ 1,688,000 $ 422,000 $ 236,000
Virginia Beach, Virginia 4 $ 903,000 $ 225,750 $ 84,000
York, Virginia 4 $ 1,420,000 $ 355,000 $ 190,000
Jefferson, Alabama 3 $ 570,000 $ 190,000 $ 132,000
Pima, Arizona 3 $ 610,000 $ 203,333 $ 159,000
Alameda, California 3 $ 1,728,000 $ 576,000 $ 232,000
Santa Clara, California 3 $ 883,000 $ 294,333 $ 96,000
Chatham, Georgia 3 $ 187,000 $ 62,333 $ 79,000
Cobb, Georgia 3 $ 1,109,000 $ 369,666 $ 313,000
Boone, Illinois 3 $ 126,000 $ 42,000 $ 39,000
St. Clair, Illinois 3 $ 381,000 $ 127,000 $ 58,000
Allen, Indiana 3 $ 310,000 $ 103,333 $ 90,000
Jefferson, Kentucky 3 $ 462,000 $ 154,000 $ 56,000
Franklin, Maine 3 $ 449,000 $ 149,666 $ 168,000
Calvert, Maryland 3 $ 637,000 $ 212,333 $ 138,000
Garrett, Maryland 3 $ 1,958,000 $ 652,666 $ 478,000
St. Mary's, Maryland 3 $ 717,000 $ 239,000 $ 129,000
Wicomico, Maryland 3 $ 785,000 $ 261,666 $ 150,000
Grand Traverse, Michigan 3 $ 352,000 $ 117,333 $ 118,000
Kalkaska, Michigan 3 $ 541,000 $ 180,333 $ 197,000
Mason, Michigan 3 $ 556,000 $ 185,333 $ 92,000
Midland, Michigan 3 $ 242,000 $ 80,666 $ 115,000
Otsego, Michigan 3 $ 208,000 $ 69,333 $ 70,000
Salem, New Jersey 3 $ 369,000 $ 123,000 $ 158,000
Dare, North Carolina 3 $ 860,000 $ 286,666 $ 178,000
Johnston, North Carolina 3 $ 371,000 $ 123,666 $ 62,000
Clermont, Ohio 3 $ 514,000 $ 171,333 $ 80,000
Miami, Ohio 3 $ 203,000 $ 67,666 $ 55,000
Muskingum, Ohio 3 $ 373,000 $ 124,333 $ 52,000
Warren, Ohio 3 $ 766,000 $ 255,333 $ 192,000
Washington, Oregon 3 $ 691,000 $ 230,333 $ 131,000
Bradford, Pennsylvania 3 $ 873,000 $ 291,000 $ 196,000
Clarion, Pennsylvania 3 $ 535,000 $ 178,333 $ 104,000
Greene, Pennsylvania 3 $ 247,000 $ 82,333 $ 60,000
Lycoming, Pennsylvania 3 $ 225,000 $ 75,000 $ 84,000
Mifflin, Pennsylvania 3 $ 403,000 $ 134,333 $ 74,000
Sullivan, Pennsylvania 3 $ 340,000 $ 113,333 $ 235,000
Union, Pennsylvania 3 $ 455,000 $ 151,666 $ 131,000
Wyoming, Pennsylvania 3 $ 394,000 $ 131,333 $ 63,000
Davidson, Tennessee 3 $ 577,000 $ 192,333 $ 125,000
James City, Virginia 3 $ 869,000 $ 289,666 $ 89,000
Spokane, Washington 3 $ 1,180,000 $ 393,333 $ 352,000
Kenosha, Wisconsin 3 $ 515,000 $ 171,666 $ 132,000
Milwaukee, Wisconsin 3 $ 792,000 $ 264,000 $ 141,000
Barbour, Alabama 2 $ 150,000 $ 75,000 $ 39,000
Lee, Alabama 2 $ 667,000 $ 333,500 $ 150,000
Contra Costa, California 2 $ 1,005,000 $ 502,500 $ 134,000
Sacramento, California 2 $ 248,000 $ 124,000 $ 137,000
San Bernardino, California 2 $ 133,000 $ 66,500 $ 57,000
Ventura, California 2 $ 454,000 $ 227,000 $ 63,000
Boulder, Colorado 2 $ 470,000 $ 235,000 $ 99,000
Douglas, Colorado 2 $ 405,000 $ 202,500 $ 100,000
Larimer, Colorado 2 $ 307,000 $ 153,500 $ 108,000
Summit, Colorado 2 $ 660,000 $ 330,000 $ 240,000
Bay, Florida 2 $ 370,000 $ 185,000 $ 53,000
Monroe, Florida 2 $ 1,116,000 $ 558,000 $ 929,000
Okaloosa, Florida 2 $ 551,000 $ 275,500 $ 79,000
Osceola, Florida 2 $ 239,000 $ 119,500 $ 111,000
St. Johns, Florida 2 $ 533,000 $ 266,500 $ 140,000
Walton, Florida 2 $ 293,000 $ 146,500 $ 133,000
Forsyth, Georgia 2 $ 596,000 $ 298,000 $ 105,000
Champaign, Illinois 2 $ 152,000 $ 76,000 $ 97,000
DeKalb, Illinois 2 $ 135,000 $ 67,500 $ 93,000
Iroquois, Illinois 2 $ 192,000 $ 96,000 $ 80,000
LaSalle, Illinois 2 $ 218,000 $ 109,000 $ 75,000
Livingston, Illinois 2 $ 137,000 $ 68,500 $ 69,000
Ogle, Illinois 2 $ 83,000 $ 41,500 $ 32,000
Peoria, Illinois 2 $ 636,000 $ 318,000 $ 63,000
Sangamon, Illinois 2 $ 187,000 $ 93,500 $ 48,000
Monroe, Indiana 2 $ 159,000 $ 79,500 $ 65,000
Starke, Indiana 2 $ 110,000 $ 55,000 $ 3,000
Steuben, Indiana 2 $ 760,000 $ 380,000 $ 300,000
Tippecanoe, Indiana 2 $ 168,000 $ 84,000 $ 128,000
White, Indiana 2 $ 55,000 $ 27,500 $ 73,000
Boone, Kentucky 2 $ 210,000 $ 105,000 $ 59,000
Lewis, Kentucky 2 $ 10,000 $ 5,000 $ 25,000
Montgomery, Kentucky 2 $ 136,000 $ 68,000 $ 45,000
Sagadahoc, Maine 2 $ 489,000 $ 244,500 $ 273,000
Kent, Maryland 2 $ 454,000 $ 227,000 $ 134,000
Alcona, Michigan 2 $ 391,000 $ 195,500 $ 120,000
Benzie, Michigan 2 $ 265,000 $ 132,500 $ 124,000
Cheboygan, Michigan 2 $ 232,000 $ 116,000 $ 112,000
Crawford, Michigan 2 $ 84,000 $ 42,000 $ 92,000
Emmet, Michigan 2 $ 485,000 $ 242,500 $ 386,000
Hillsdale, Michigan 2 $ 359,000 $ 179,500 $ 114,000
Houghton, Michigan 2 $ 389,000 $ 194,500 $ 100,000
Ionia, Michigan 2 $ 263,000 $ 131,500 $ 92,000
Mackinac, Michigan 2 $ 255,000 $ 127,500 $ 97,000
Mecosta, Michigan 2 $ 93,000 $ 46,500 $ 53,000
Presque Isle, Michigan 2 $ 125,000 $ 62,500 $ 104,000
St. Joseph, Michigan 2 $ 102,000 $ 51,000 $ 46,000
Wexford, Michigan 2 $ 231,000 $ 115,500 $ 82,000
St. Louis, Minnesota 2 $ 183,000 $ 91,500 $ 30,000
Jefferson, Missouri 2 $ 310,000 $ 155,000 $ 100,000
Cumberland, New Jersey 2 $ 395,000 $ 197,500 $ 152,000
Sussex, New Jersey 2 $ 403,000 $ 201,500 $ 80,000
Lewis, New York 2 $ 38,000 $ 19,000 $ 69,000
Carteret, North Carolina 2 $ 244,000 $ 122,000 $ 103,000
Franklin, North Carolina 2 $ 278,000 $ 139,000 $ 59,000
Haywood, North Carolina 2 $ 280,000 $ 140,000 $ 64,000
Iredell, North Carolina 2 $ 1,640,000 $ 820,000 $ 90,000
Orange, North Carolina 2 $ 410,000 $ 205,000 $ 130,000
Coshocton, Ohio 2 $ 133,000 $ 66,500 $ 67,000
Harrison, Ohio 2 $ 14,000 $ 7,000 $ 60,000
Jefferson, Ohio 2 $ 18,000 $ 9,000 $ 22,000
Knox, Ohio 2 $ 277,000 $ 138,500 $ 102,000
Pike, Ohio 2 $ 106,000 $ 53,000 $ 41,000
Richland, Ohio 2 $ 20,000 $ 10,000 $ 22,000
Union, Ohio 2 $ 13,000 $ 6,500 $ 20,000
Clearfield, Pennsylvania 2 $ 157,000 $ 78,500 $ 92,000
Clinton, Pennsylvania 2 $ 216,000 $ 108,000 $ 75,000
Fulton, Pennsylvania 2 $ 222,000 $ 111,000 $ 72,000
McKean, Pennsylvania 2 $ 225,000 $ 112,500 $ 122,000
Montour, Pennsylvania 2 $ 339,000 $ 169,500 $ 82,000
Snyder, Pennsylvania 2 $ 300,000 $ 150,000 $ 79,000
Tioga, Pennsylvania 2 $ 268,000 $ 134,000 $ 100,000
Berkeley, South Carolina 2 $ 720,000 $ 360,000 $ 121,000
Florence, South Carolina 2 $ 123,000 $ 61,500 $ 31,000
Greenville, South Carolina 2 $ 328,000 $ 164,000 $ 102,000
Rutherford, Tennessee 2 $ 208,000 $ 104,000 $ 53,000
Denton, Texas 2 $ 20,832,000 $ 10,416,000 $ 0
Harris, Texas 2 $ 144,000 $ 72,000 $ 44,000
Summit, Utah 2 $ 1,400,000 $ 700,000 $ 957,000
Utah, Utah 2 $ 280,000 $ 140,000 $ 33,000
Alexandria, Virginia 2 $ 819,000 $ 409,500 $ 118,000
Caroline, Virginia 2 $ 436,000 $ 218,000 $ 77,000
Fauquier, Virginia 2 $ 666,000 $ 333,000 $ 307,000
Louisa, Virginia 2 $ 609,000 $ 304,500 $ 117,000
Norfolk, Virginia 2 $ 182,000 $ 91,000 $ 84,000
Prince William, Virginia 2 $ 535,000 $ 267,500 $ 107,000
Spotsylvania, Virginia 2 $ 457,000 $ 228,500 $ 134,000
Oneida, Wisconsin 2 $ 384,000 $ 192,000 $ 134,000
Baldwin, Alabama 1 $ 227,000 $ 227,000 $ 62,000
Blount, Alabama 1 $ 130,000 $ 130,000 $ 13,000
Clarke, Alabama 1 $ 98,000 $ 98,000 $ 42,000
Covington, Alabama 1 $ 145,000 $ 145,000 $ 131,000
DeKalb, Alabama 1 $ 200,000 $ 200,000 $ 35,000
Houston, Alabama 1 $ 13,000 $ 13,000 $ 51,000
Jackson, Alabama 1 $ 238,000 $ 238,000 $ 65,000
Tuscaloosa, Alabama 1 $ 66,000 $ 66,000 $ 52,000
Pinal, Arizona 1 $ 385,000 $ 385,000 $ 131,000
Ashley, Arkansas 1 $ 123,000 $ 123,000 $ 101,000
Boone, Arkansas 1 $ 100,000 $ 100,000 $ 46,000
Kern, California 1 $ 256,000 $ 256,000 $ 120,000
Placer, California 1 $ 540,000 $ 540,000 $ 127,000
Plumas, California 1 $ 417,000 $ 417,000 $ 89,000
Riverside, California 1 $ 197,000 $ 197,000 $ 64,000
San Francisco, California 1 $ 386,000 $ 386,000 $ 104,000
San Joaquin, California 1 $ 105,000 $ 105,000 $ 47,000
San Luis Obispo, California 1 $ 175,000 $ 175,000 $ 101,000
San Mateo, California 1 $ 412,000 $ 412,000 $ 245,000
Santa Cruz, California 1 $ 630,000 $ 630,000 $ 197,000
Sonoma, California 1 $ 280,000 $ 280,000 $ 89,000
Stanislaus, California 1 $ 135,000 $ 135,000 $ 312,000
Denver, Colorado 1 $ 340,000 $ 340,000 $ 127,000
El Paso, Colorado 1 $ 161,000 $ 161,000 $ 32,000
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Mortgage Loan Application Detail Totals for Rbs Citizens, N.A. in 2010

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 33,282 $6,953,634,000 $208,000 $22,000,000 $117,000 $4,730,000
Home Purchase 11,877 $2,475,741,000 $208,000 $34,000,000 $104,000 $6,625,000
Home Improvement 11,144 $188,712,000 $16,000 $15,389,000 $51,000 $4,800,000

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 35,986 $6,109,526,000 $169,000 $5,500,000 $104,000 $4,985,000
Not Provided 12,473 $2,510,573,000 $201,000 $4,500,000 $118,000 $6,625,000
Black or African American 3,550 $215,913,000 $60,000 $1,605,000 $51,000 $742,000
Hispanic 2,355 $236,465,000 $100,000 $2,000,000 $58,000 $686,000
Asian 1,722 $353,275,000 $205,000 $2,000,000 $102,000 $1,220,000
American Indian or Alaskan Native 92 $9,087,000 $98,000 $700,000 $76,000 $467,000
Native Hawaiian or Other Pacific Islander 87 $14,090,000 $161,000 $2,000,000 $101,000 $1,250,000
Not applicable 38 $169,158,000 $4,451,000 $34,000,000 $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
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 50,748 $8,691,756,000 $171,000 $34,000,000 $106,000 $6,625,000
FHA-insured (Federal Housing Administration) 5,296 $877,531,000 $165,000 $828,000 $62,000 $501,000
VA-guaranteed (Veterans Administration) 259 $48,800,000 $188,000 $417,000 $73,000 $472,000
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 32,832 $6,224,867,000 $189,000 $22,000,000 $110,000 $6,625,000
Application Denied By Financial Institution 13,651 $1,374,003,000 $100,000 $17,000,000 $72,000 $2,924,000
Application Withdrawn By Applicant 4,801 $1,055,832,000 $219,000 $34,000,000 $115,000 $2,800,000
Application Approved But Not Accepted 2,795 $502,683,000 $179,000 $5,500,000 $112,000 $4,800,000
File Closed For Incompleteness 2,181 $452,288,000 $207,000 $3,625,000 $118,000 $2,736,000
Preapproval Denied by Financial Institution 43 $8,414,000 $195,000 $2,475,000 $69,000 $900,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 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 4,958 $399,689,000 $80,000 $4,500,000 $52,000 $2,924,000
Collateral 3,668 $735,702,000 $200,000 $3,000,000 $119,000 $2,374,000
Credit History 3,022 $94,911,000 $31,000 $1,376,000 $48,000 $960,000
Other 1,072 $53,560,000 $49,000 $17,000,000 $64,000 $1,500,000
Unverifiable Information 650 $41,152,000 $63,000 $1,430,000 $72,000 $1,577,000
Insufficient Cash (Downpayment, Closing Cost) 126 $26,140,000 $207,000 $1,500,000 $96,000 $830,000
Employment History 84 $5,642,000 $67,000 $656,000 $47,000 $260,000
Credit Application Incomplete 82 $18,892,000 $230,000 $2,475,000 $107,000 $900,000
Mortgage Insurance Denied 32 $6,729,000 $210,000 $360,000 $98,000 $203,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Rbs Citizens, N.A.'s 2010 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 Rbs Citizens, N.A.'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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