Rbs Citizens, N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Rbs Citizens, N.A. 2006 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 | 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 | 17,130 |
| Total Mortgage Loan Application Amount | $707,190,000 |
| Average Mortgage Loan Application Amount | $55,666 |
| Highest Mortgage Loan Application Amount | $4,320,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $2,262,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 with Rbs Citizens, N.A.. 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 Rbs Citizens, N.A.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2006 breaks down Rbs Citizens, N.A.'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 Rbs Citizens, N.A. serves its applicants.
Each category highlights the total number of mortgage applications processed by Rbs Citizens, N.A., 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 Rbs Citizens, N.A.'s mortgage activity for 2006.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Erie County New York | 3,411 | $ 111,800,000 | $ 32,000 | $ 62,000 |
| Monroe County New York | 2,275 | $ 75,484,000 | $ 33,000 | $ 61,000 |
| Onondaga County New York | 1,076 | $ 28,066,000 | $ 26,000 | $ 56,000 |
| Broome County New York | 753 | $ 15,789,000 | $ 20,000 | $ 42,000 |
| Oneida County New York | 718 | $ 12,812,000 | $ 17,000 | $ 41,000 |
| Albany County New York | 682 | $ 37,525,000 | $ 55,000 | $ 88,000 |
| Niagara County New York | 586 | $ 22,195,000 | $ 37,000 | $ 64,000 |
| Saratoga County New York | 527 | $ 28,493,000 | $ 54,000 | $ 81,000 |
| Orange County New York | 443 | $ 29,165,000 | $ 65,000 | $ 78,000 |
| Clinton County New York | 379 | $ 15,943,000 | $ 42,000 | $ 66,000 |
| Dutchess County New York | 351 | $ 27,344,000 | $ 77,000 | $ 95,000 |
| Schenectady County New York | 312 | $ 13,285,000 | $ 42,000 | $ 64,000 |
| Chittenden County Vermont | 307 | $ 20,430,000 | $ 66,000 | $ 94,000 |
| Otsego County New York | 289 | $ 11,833,000 | $ 40,000 | $ 55,000 |
| Rensselaer County New York | 273 | $ 14,924,000 | $ 54,000 | $ 73,000 |
| Wayne County New York | 267 | $ 8,811,000 | $ 33,000 | $ 60,000 |
| Ulster County New York | 250 | $ 19,019,000 | $ 76,000 | $ 88,000 |
| Warren County New York | 245 | $ 11,032,000 | $ 45,000 | $ 73,000 |
| Franklin County New York | 216 | $ 9,830,000 | $ 45,000 | $ 65,000 |
| Rutland County Vermont | 213 | $ 12,469,000 | $ 58,000 | $ 68,000 |
| Washington County New York | 196 | $ 7,089,000 | $ 36,000 | $ 57,000 |
| Essex County New York | 183 | $ 10,215,000 | $ 55,000 | $ 72,000 |
| Madison County New York | 150 | $ 4,724,000 | $ 31,000 | $ 55,000 |
| Tompkins County New York | 148 | $ 3,726,000 | $ 25,000 | $ 47,000 |
| Addison County Vermont | 138 | $ 9,239,000 | $ 66,000 | $ 85,000 |
| Windsor County Vermont | 134 | $ 7,714,000 | $ 57,000 | $ 90,000 |
| Oswego County New York | 132 | $ 3,500,000 | $ 26,000 | $ 49,000 |
| Ontario County New York | 131 | $ 7,162,000 | $ 54,000 | $ 88,000 |
| Fulton County New York | 119 | $ 6,180,000 | $ 51,000 | $ 70,000 |
| Tioga County New York | 116 | $ 2,702,000 | $ 23,000 | $ 43,000 |
| Windham County Vermont | 114 | $ 8,121,000 | $ 71,000 | $ 88,000 |
| Franklin County Vermont | 112 | $ 5,932,000 | $ 52,000 | $ 71,000 |
| Chenango County New York | 108 | $ 2,983,000 | $ 27,000 | $ 48,000 |
| Herkimer County New York | 99 | $ 3,236,000 | $ 32,000 | $ 45,000 |
| Westchester County New York | 95 | $ 7,933,000 | $ 83,000 | $ 103,000 |
| Cortland County New York | 92 | $ 1,489,000 | $ 16,000 | $ 40,000 |
| Delaware County New York | 87 | $ 4,831,000 | $ 55,000 | $ 64,000 |
| Livingston County New York | 79 | $ 1,955,000 | $ 24,000 | $ 59,000 |
| Rockland County New York | 79 | $ 7,055,000 | $ 89,000 | $ 116,000 |
| Bennington County Vermont | 71 | $ 4,415,000 | $ 62,000 | $ 77,000 |
| Montgomery County New York | 69 | $ 3,099,000 | $ 44,000 | $ 53,000 |
| Sullivan County New York | 69 | $ 6,533,000 | $ 94,000 | $ 105,000 |
| Lewis County New York | 62 | $ 1,258,000 | $ 20,000 | $ 36,000 |
| Chemung County New York | 53 | $ 1,344,000 | $ 25,000 | $ 43,000 |
| Washington County Vermont | 53 | $ 2,961,000 | $ 55,000 | $ 95,000 |
| Chautauqua County New York | 48 | $ 1,759,000 | $ 36,000 | $ 64,000 |
| Hamilton County New York | 45 | $ 2,200,000 | $ 48,000 | $ 61,000 |
| Orleans County New York | 44 | $ 1,945,000 | $ 44,000 | $ 79,000 |
| Wyoming County New York | 41 | $ 1,532,000 | $ 37,000 | $ 64,000 |
| Cattaraugus County New York | 40 | $ 1,697,000 | $ 42,000 | $ 46,000 |
| Genesee County New York | 40 | $ 1,656,000 | $ 41,000 | $ 66,000 |
| Bronx County New York | 39 | $ 3,284,000 | $ 84,000 | $ 103,000 |
| Putnam County New York | 39 | $ 2,210,000 | $ 56,000 | $ 109,000 |
| Suffolk County New York | 36 | $ 3,923,000 | $ 108,000 | $ 145,000 |
| Steuben County New York | 35 | $ 1,312,000 | $ 37,000 | $ 46,000 |
| Cayuga County New York | 31 | $ 943,000 | $ 30,000 | $ 83,000 |
| Queens County New York | 31 | $ 3,010,000 | $ 97,000 | $ 147,000 |
| Nassau County New York | 30 | $ 3,811,000 | $ 127,000 | $ 184,000 |
| Columbia County New York | 28 | $ 1,826,000 | $ 65,000 | $ 111,000 |
| Orange County Vermont | 28 | $ 2,148,000 | $ 76,000 | $ 75,000 |
| Kings County New York | 26 | $ 3,022,000 | $ 116,000 | $ 165,000 |
| Schoharie County New York | 25 | $ 5,370,000 | $ 214,000 | $ 62,000 |
| Greene County New York | 22 | $ 1,423,000 | $ 64,000 | $ 81,000 |
| Grand Isle County Vermont | 20 | $ 1,564,000 | $ 78,000 | $ 79,000 |
| Seneca County New York | 18 | $ 466,000 | $ 25,000 | $ 93,000 |
| Susquehanna County Pennsylvania | 17 | $ 498,000 | $ 29,000 | $ 33,000 |
| Essex County Vermont | 16 | $ 673,000 | $ 42,000 | $ 64,000 |
| Jefferson County New York | 14 | $ 497,000 | $ 35,000 | $ 55,000 |
| Richmond County New York | 14 | $ 1,379,000 | $ 98,000 | $ 86,000 |
| Yates County New York | 14 | $ 502,000 | $ 35,000 | $ 37,000 |
| Lamoille County Vermont | 14 | $ 574,000 | $ 41,000 | $ 72,000 |
| Schuyler County New York | 13 | $ 355,000 | $ 27,000 | $ 37,000 |
| St. Lawrence County New York | 12 | $ 454,000 | $ 37,000 | $ 67,000 |
| Caledonia County Vermont | 11 | $ 931,000 | $ 84,000 | $ 62,000 |
| New York County New York | 7 | $ 700,000 | $ 100,000 | $ 133,000 |
| Bradford County Pennsylvania | 6 | $ 62,000 | $ 10,000 | $ 50,000 |
| Barnstable County Massachusetts | 5 | $ 550,000 | $ 110,000 | $ 231,000 |
| Allegany County New York | 5 | $ 229,000 | $ 45,000 | $ 55,000 |
| Orleans County Vermont | 5 | $ 130,000 | $ 26,000 | $ 56,000 |
| Fairfield County Connecticut | 4 | $ 437,000 | $ 109,000 | $ 129,000 |
| Polk County Florida | 3 | $ 3,000 | $ 1,000 | $ 26,000 |
| Philadelphia County Pennsylvania | 3 | $ 262,000 | $ 87,000 | $ 36,000 |
| Middlesex County Massachusetts | 2 | $ 270,000 | $ 135,000 | $ 167,000 |
| Cheshire County New Hampshire | 2 | $ 88,000 | $ 44,000 | $ 49,000 |
| Bergen County New Jersey | 2 | $ 130,000 | $ 65,000 | $ 123,000 |
| Passaic County New Jersey | 2 | $ 68,000 | $ 34,000 | $ 199,000 |
| Warren County Pennsylvania | 2 | $ 16,000 | $ 8,000 | $ 47,000 |
| Kent County Rhode Island | 2 | $ 15,000 | $ 7,000 | $ 140,000 |
| Los Angeles County California | 1 | $ 40,000 | $ 40,000 | $ 75,000 |
| Boulder County Colorado | 1 | $ 111,000 | $ 111,000 | $ 40,000 |
| Litchfield County Connecticut | 1 | $ 15,000 | $ 15,000 | $ 76,000 |
| New Haven County Connecticut | 1 | $ 50,000 | $ 50,000 | $ 110,000 |
| New Castle County Delaware | 1 | $ 20,000 | $ 20,000 | $ 50,000 |
| Palm Beach County Florida | 1 | $ 3,000 | $ 3,000 | $ 48,000 |
| Pinellas County Florida | 1 | $ 15,000 | $ 15,000 | $ 28,000 |
| Cook County Illinois | 1 | $ 241,000 | $ 241,000 | $ 280,000 |
| Hamilton County Indiana | 1 | $ 33,000 | $ 33,000 | $ 245,000 |
| Essex County Massachusetts | 1 | $ 30,000 | $ 30,000 | $ 54,000 |
| Plymouth County Massachusetts | 1 | $ 20,000 | $ 20,000 | $ 71,000 |
| Suffolk County Massachusetts | 1 | $ 300,000 | $ 300,000 | $ 39,000 |
| Mercer County New Jersey | 1 | $ 10,000 | $ 10,000 | $ 35,000 |
| Morris County New Jersey | 1 | $ 125,000 | $ 125,000 | $ 310,000 |
| Ocean County New Jersey | 1 | $ 22,000 | $ 22,000 | $ 21,000 |
| Sussex County New Jersey | 1 | $ 140,000 | $ 140,000 | $ 62,000 |
| Union County New Jersey | 1 | $ 175,000 | $ 175,000 | $ 450,000 |
| Hardin County Ohio | 1 | $ 34,000 | $ 34,000 | $ 12,000 |
| Bucks County Pennsylvania | 1 | $ 4,000 | $ 4,000 | $ 51,000 |
| Butler County Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 60,000 |
| Luzerne County Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 70,000 |
| Pike County Pennsylvania | 1 | $ 5,000 | $ 5,000 | $ 43,000 |
| Wayne County Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 11,000 |
| Westmoreland County Pennsylvania | 1 | $ 30,000 | $ 30,000 | $ 25,000 |
| Bristol County Rhode Island | 1 | $ 50,000 | $ 50,000 | $ 180,000 |
| Newport County Rhode Island | 1 | $ 50,000 | $ 50,000 | $ 415,000 |
| Fairfax County Virginia | 1 | $ 18,000 | $ 18,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Rbs Citizens, N.A. in 2006
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 10,479 | $267,554,000 | $25,000 | $700,000 | $57,000 | $2,262,000 |
| Refinancing | 6,156 | $401,229,000 | $65,000 | $4,320,000 | $79,000 | $1,500,000 |
| Home Purchase | 495 | $38,407,000 | $77,000 | $700,000 | $95,000 | $1,355,000 |
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 | 14,064 | $582,282,000 | $41,000 | $900,000 | $67,000 | $2,262,000 |
| Not Provided | 1,135 | $52,633,000 | $46,000 | $650,000 | $75,000 | $630,000 |
| Black or African American | 1,020 | $26,584,000 | $26,000 | $500,000 | $46,000 | $612,000 |
| Hispanic | 521 | $19,118,000 | $36,000 | $550,000 | $56,000 | $630,000 |
| Asian | 264 | $16,307,000 | $61,000 | $570,000 | $82,000 | $1,950,000 |
| American Indian or Alaskan Native | 77 | $3,464,000 | $44,000 | $700,000 | $75,000 | $670,000 |
| Native Hawaiian or Other Pacific Islander | 45 | $1,526,000 | $33,000 | $250,000 | $58,000 | $275,000 |
| Not applicable | 4 | $5,276,000 | $1,319,000 | $4,320,000 | $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) | 17,130 | $707,190,000 | $41,000 | $4,320,000 | $66,000 | $2,262,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Originated | 8,369 | $377,168,000 | $45,000 | $4,320,000 | $75,000 | $1,500,000 |
| Application Denied By Financial Institution | 7,706 | $273,701,000 | $35,000 | $900,000 | $55,000 | $1,950,000 |
| Application Approved But Not Accepted | 1,029 | $55,229,000 | $53,000 | $700,000 | $79,000 | $2,262,000 |
| Application Withdrawn By Applicant | 26 | $1,092,000 | $42,000 | $210,000 | $62,000 | $415,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 2,969 | $90,168,000 | $30,000 | $545,000 | $51,000 | $1,040,000 |
| Debt-To-Income Ratio | 2,369 | $82,960,000 | $35,000 | $900,000 | $40,000 | $653,000 |
| Collateral | 1,074 | $71,893,000 | $66,000 | $650,000 | $93,000 | $1,315,000 |
| Other | 876 | $14,662,000 | $16,000 | $375,000 | $54,000 | $580,000 |
| Unverifiable Information | 321 | $10,387,000 | $32,000 | $500,000 | $65,000 | $1,950,000 |
| Credit Application Incomplete | 53 | $2,340,000 | $44,000 | $300,000 | $145,000 | $1,058,000 |
| Employment History | 44 | $1,291,000 | $29,000 | $300,000 | $38,000 | $112,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Rbs Citizens, N.A.'s 2006 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.
For a list of all lenders in Rhode Island, download the full spreadsheet
with aggregated HMDA statistics today.