Rbs Citizens, N.A. Mortgage Lending & HMDA Data, 2007

In 2007, Rbs Citizens, N.A. of Providence, RI reported 130,005 mortgage applications totaling $11.8 billion, up 659% from 2006. The average application was for $90,997, and applicants reported an average income of $59,834. 29% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (7,715), Providence-New Bedford-Fall River, RI-MA (7,326) and Boston-Quincy, MA (5,310) (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 130,005
Total Mortgage Loan Application Amount $11,830,144,000
Average Mortgage Loan Application Amount $90,997
Highest Mortgage Loan Application Amount $26,500,000
Average Applicant Income $59,834
Highest Applicant Income $9,999,000

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Act (HMDA) records Rbs Citizens, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 5,550 $ 435,530,000 $ 78,473 $ 64,000
Wayne, Michigan 3,613 $ 192,980,000 $ 53,412 $ 57,000
Providence, Rhode Island 3,466 $ 380,717,000 $ 109,843 $ 75,000
Middlesex, Massachusetts 3,315 $ 379,034,000 $ 114,339 $ 104,000
Erie, New York 2,759 $ 110,127,000 $ 39,915 $ 61,000
Cuyahoga, Ohio 2,603 $ 174,256,000 $ 66,944 $ 62,000
Monroe, New York 2,099 $ 90,881,000 $ 43,297 $ 61,000
Marion, Indiana 1,963 $ 80,070,000 $ 40,789 $ 50,000
Norfolk, Massachusetts 1,839 $ 235,203,000 $ 127,897 $ 109,000
Suffolk, Massachusetts 1,816 $ 223,726,000 $ 123,197 $ 91,000
Plymouth, Massachusetts 1,655 $ 174,489,000 $ 105,431 $ 94,000
Lucas, Ohio 1,643 $ 76,989,000 $ 46,858 $ 58,000
Maricopa, Arizona 1,627 $ 143,635,000 $ 88,282 $ 31,000
Oakland, Michigan 1,562 $ 120,629,000 $ 77,227 $ 80,000
Los Angeles, California 1,488 $ 260,504,000 $ 175,069 $ 41,000
Hillsborough, New Hampshire 1,482 $ 154,532,000 $ 104,272 $ 90,000
Macomb, Michigan 1,452 $ 86,585,000 $ 59,631 $ 70,000
Bristol, Massachusetts 1,449 $ 154,776,000 $ 106,815 $ 90,000
Rockingham, New Hampshire 1,281 $ 124,629,000 $ 97,290 $ 91,000
Kent, Rhode Island 1,207 $ 120,611,000 $ 99,926 $ 77,000
Essex, Massachusetts 1,160 $ 123,560,000 $ 106,517 $ 101,000
King, Washington 1,093 $ 140,239,000 $ 128,306 $ 24,000
Hampden, Massachusetts 1,085 $ 76,766,000 $ 70,752 $ 62,000
Worcester, Massachusetts 991 $ 93,107,000 $ 93,952 $ 88,000
Summit, Ohio 972 $ 61,745,000 $ 63,523 $ 71,000
New Castle, Delaware 914 $ 75,919,000 $ 83,062 $ 74,000
Onondaga, New York 911 $ 32,248,000 $ 35,398 $ 57,000
Stark, Ohio 904 $ 51,578,000 $ 57,055 $ 55,000
Philadelphia, Pennsylvania 882 $ 89,100,000 $ 101,020 $ 44,000
Barnstable, Massachusetts 868 $ 116,389,000 $ 134,088 $ 102,000
DuPage, Illinois 867 $ 99,630,000 $ 114,913 $ 76,000
New London, Connecticut 771 $ 84,697,000 $ 109,853 $ 82,000
New Haven, Connecticut 760 $ 85,105,000 $ 111,980 $ 85,000
Orange, California 701 $ 152,304,000 $ 217,266 $ 38,000
Albany, New York 659 $ 49,490,000 $ 75,098 $ 79,000
Washington, Rhode Island 637 $ 74,357,000 $ 116,729 $ 98,000
Allegheny, Pennsylvania 631 $ 52,390,000 $ 83,026 $ 51,000
Will, Illinois 618 $ 57,038,000 $ 92,294 $ 75,000
San Diego, California 605 $ 94,291,000 $ 155,852 $ 28,000
Niagara, New York 595 $ 22,432,000 $ 37,700 $ 55,000
Salt Lake, Utah 565 $ 43,388,000 $ 76,792 $ 27,000
Merrimack, New Hampshire 562 $ 52,137,000 $ 92,770 $ 83,000
Saratoga, New York 556 $ 47,869,000 $ 86,095 $ 81,000
Hamilton, Indiana 529 $ 40,618,000 $ 76,782 $ 75,000
Oneida, New York 526 $ 12,440,000 $ 23,650 $ 40,000
Santa Clara, California 509 $ 100,845,000 $ 198,123 $ 24,000
Suffolk, New York 495 $ 53,573,000 $ 108,228 $ 87,000
Sacramento, California 490 $ 45,853,000 $ 93,577 $ 17,000
Fairfax, Virginia 487 $ 73,198,000 $ 150,303 $ 48,000
Franklin, Ohio 476 $ 32,365,000 $ 67,993 $ 56,000
Kent, Delaware 474 $ 57,431,000 $ 121,162 $ 73,000
Riverside, California 471 $ 49,283,000 $ 104,634 $ 40,000
Montgomery, Pennsylvania 467 $ 65,907,000 $ 141,128 $ 70,000
Snohomish, Washington 464 $ 37,090,000 $ 79,935 $ 17,000
Strafford, New Hampshire 445 $ 43,640,000 $ 98,067 $ 78,000
Clark, Nevada 441 $ 42,492,000 $ 96,353 $ 35,000
Hartford, Connecticut 434 $ 64,727,000 $ 149,140 $ 72,000
Orange, New York 428 $ 37,424,000 $ 87,439 $ 79,000
Mecklenburg, North Carolina 416 $ 40,625,000 $ 97,656 $ 62,000
Lake, Ohio 412 $ 35,536,000 $ 86,252 $ 71,000
Dutchess, New York 409 $ 36,477,000 $ 89,185 $ 83,000
Sussex, Delaware 403 $ 38,833,000 $ 96,359 $ 72,000
Baltimore, Maryland 403 $ 38,263,000 $ 94,945 $ 42,000
Broome, New York 403 $ 12,614,000 $ 31,300 $ 43,000
San Bernardino, California 401 $ 42,778,000 $ 106,678 $ 39,000
Montgomery, Maryland 396 $ 53,562,000 $ 135,257 $ 51,000
Middlesex, Connecticut 393 $ 40,408,000 $ 102,819 $ 89,000
Carroll, New Hampshire 388 $ 43,312,000 $ 111,628 $ 85,000
St. Louis, Missouri 386 $ 29,600,000 $ 76,683 $ 42,000
Anne Arundel, Maryland 385 $ 42,123,000 $ 109,410 $ 47,000
Delaware, Pennsylvania 384 $ 53,615,000 $ 139,622 $ 87,000
Contra Costa, California 381 $ 58,645,000 $ 153,923 $ 37,000
Alameda, California 367 $ 60,053,000 $ 163,632 $ 32,000
Clark, Washington 362 $ 24,765,000 $ 68,411 $ 16,000
Rensselaer, New York 353 $ 24,582,000 $ 69,637 $ 72,000
Clinton, New York 352 $ 18,416,000 $ 52,318 $ 66,000
Ada, Idaho 349 $ 21,588,000 $ 61,856 $ 13,000
Multnomah, Oregon 345 $ 28,564,000 $ 82,794 $ 23,000
Bucks, Pennsylvania 334 $ 43,268,000 $ 129,544 $ 60,000
Otsego, New York 332 $ 13,540,000 $ 40,783 $ 48,000
Nassau, New York 319 $ 40,969,000 $ 128,429 $ 93,000
Kane, Illinois 315 $ 33,147,000 $ 105,228 $ 82,000
Broward, Florida 310 $ 45,852,000 $ 147,909 $ 45,000
Chester, Pennsylvania 307 $ 49,241,000 $ 160,394 $ 79,000
Washington, Oregon 305 $ 26,118,000 $ 85,632 $ 28,000
Schenectady, New York 301 $ 16,104,000 $ 53,501 $ 63,000
Fairfield, Connecticut 299 $ 45,309,000 $ 151,535 $ 83,000
Bristol, Rhode Island 299 $ 38,435,000 $ 128,545 $ 113,000
Utah, Utah 299 $ 22,777,000 $ 76,177 $ 35,000
Hennepin, Minnesota 294 $ 31,580,000 $ 107,414 $ 80,000
Palm Beach, Florida 290 $ 52,231,000 $ 180,106 $ 55,000
Fulton, Georgia 290 $ 42,148,000 $ 145,337 $ 62,000
Wake, North Carolina 285 $ 27,643,000 $ 96,992 $ 49,000
Pima, Arizona 284 $ 23,912,000 $ 84,197 $ 39,000
Lake, Illinois 281 $ 32,586,000 $ 115,964 $ 67,000
Lorain, Ohio 280 $ 18,936,000 $ 67,628 $ 57,000
Pierce, Washington 278 $ 23,512,000 $ 84,575 $ 25,000
Prince George's, Maryland 276 $ 32,301,000 $ 117,032 $ 48,000
Westchester, New York 274 $ 47,561,000 $ 173,580 $ 116,000
Miami-Dade, Florida 273 $ 47,249,000 $ 173,073 $ 53,000
Chittenden, Vermont 273 $ 40,531,000 $ 148,465 $ 98,000
Hendricks, Indiana 272 $ 16,244,000 $ 59,720 $ 57,000
Newport, Rhode Island 268 $ 37,126,000 $ 138,529 $ 103,000
Ulster, New York 262 $ 17,094,000 $ 65,244 $ 72,000
Lancaster, Pennsylvania 262 $ 20,744,000 $ 79,175 $ 34,000
Tarrant, Texas 261 $ 18,171,000 $ 69,620 $ 0
Rutland, Vermont 261 $ 21,155,000 $ 81,053 $ 62,000
Mahoning, Ohio 256 $ 13,195,000 $ 51,542 $ 61,000
Madison, Indiana 247 $ 8,685,000 $ 35,161 $ 43,000
Medina, Ohio 246 $ 19,826,000 $ 80,593 $ 72,000
Clackamas, Oregon 245 $ 25,687,000 $ 104,844 $ 26,000
Belknap, New Hampshire 244 $ 22,611,000 $ 92,668 $ 82,000
St. Charles, Missouri 243 $ 15,085,000 $ 62,078 $ 33,000
Bergen, New Jersey 240 $ 30,158,000 $ 125,658 $ 63,000
Washtenaw, Michigan 238 $ 19,855,000 $ 83,424 $ 65,000
Travis, Texas 237 $ 22,504,000 $ 94,953 $ 0
Cobb, Georgia 234 $ 19,928,000 $ 85,162 $ 48,000
Hamilton, Ohio 233 $ 19,324,000 $ 82,935 $ 48,000
Douglas, Colorado 229 $ 20,316,000 $ 88,716 $ 20,000
Denver, Colorado 225 $ 20,879,000 $ 92,795 $ 28,000
York, Maine 225 $ 19,966,000 $ 88,737 $ 71,000
Hampshire, Massachusetts 222 $ 21,331,000 $ 96,085 $ 82,000
Grafton, New Hampshire 222 $ 21,454,000 $ 96,639 $ 87,000
Ventura, California 220 $ 41,688,000 $ 189,490 $ 35,000
McHenry, Illinois 220 $ 22,616,000 $ 102,800 $ 65,000
Orange, Florida 219 $ 22,956,000 $ 104,821 $ 34,000
Queens, New York 218 $ 31,227,000 $ 143,243 $ 44,000
Gwinnett, Georgia 216 $ 17,496,000 $ 81,000 $ 45,000
Kent, Michigan 215 $ 15,817,000 $ 73,567 $ 50,000
Jefferson, Colorado 210 $ 17,319,000 $ 82,471 $ 20,000
Warren, New York 210 $ 13,688,000 $ 65,180 $ 66,000
Dallas, Texas 210 $ 23,572,000 $ 112,247 $ 0
Johnson, Indiana 209 $ 12,384,000 $ 59,253 $ 58,000
Loudoun, Virginia 209 $ 28,487,000 $ 136,301 $ 45,000
Livingston, Michigan 208 $ 20,069,000 $ 96,485 $ 83,000
Prince William, Virginia 205 $ 20,354,000 $ 99,287 $ 27,000
Hillsborough, Florida 204 $ 25,212,000 $ 123,588 $ 41,000
Wood, Ohio 204 $ 14,444,000 $ 70,803 $ 78,000
Kalamazoo, Michigan 203 $ 9,741,000 $ 47,985 $ 76,000
Scioto, Ohio 203 $ 8,285,000 $ 40,812 $ 53,000
Arapahoe, Colorado 202 $ 14,915,000 $ 73,836 $ 29,000
York, Pennsylvania 199 $ 16,981,000 $ 85,331 $ 46,000
Shiawassee, Michigan 197 $ 8,950,000 $ 45,431 $ 55,000
Wayne, New York 197 $ 10,030,000 $ 50,913 $ 60,000
San Mateo, California 192 $ 39,713,000 $ 206,838 $ 30,000
Solano, California 192 $ 21,057,000 $ 109,671 $ 37,000
Monroe, Michigan 191 $ 11,188,000 $ 58,575 $ 77,000
Harris, Texas 190 $ 23,938,000 $ 125,989 $ 0
Franklin, New York 189 $ 11,145,000 $ 58,968 $ 59,000
Harford, Maryland 188 $ 19,171,000 $ 101,973 $ 51,000
Johnson, Kansas 184 $ 13,038,000 $ 70,858 $ 54,000
Howard, Maryland 184 $ 19,164,000 $ 104,152 $ 45,000
Westmoreland, Pennsylvania 184 $ 15,473,000 $ 84,092 $ 44,000
Middlesex, New Jersey 182 $ 19,577,000 $ 107,565 $ 65,000
Washington, New York 179 $ 9,627,000 $ 53,782 $ 64,000
Dauphin, Pennsylvania 179 $ 12,442,000 $ 69,508 $ 38,000
El Paso, Colorado 178 $ 13,939,000 $ 78,308 $ 32,000
Berkshire, Massachusetts 177 $ 14,588,000 $ 82,418 $ 67,000
Berks, Pennsylvania 177 $ 14,578,000 $ 82,361 $ 50,000
Geauga, Ohio 176 $ 17,318,000 $ 98,397 $ 90,000
Burlington, New Jersey 172 $ 18,636,000 $ 108,348 $ 67,000
Camden, New Jersey 171 $ 14,235,000 $ 83,245 $ 63,000
Placer, California 170 $ 20,467,000 $ 120,394 $ 20,000
Monmouth, New Jersey 170 $ 21,510,000 $ 126,529 $ 75,000
Morris, New Jersey 169 $ 21,531,000 $ 127,402 $ 71,000
Essex, New York 168 $ 14,641,000 $ 87,148 $ 72,000
Ontario, New York 168 $ 9,792,000 $ 58,285 $ 62,000
Cumberland, Pennsylvania 167 $ 13,422,000 $ 80,371 $ 38,000
DeKalb, Georgia 166 $ 16,946,000 $ 102,084 $ 45,000
Baltimore City, Maryland 165 $ 12,796,000 $ 77,551 $ 40,000
Davis, Utah 165 $ 14,442,000 $ 87,527 $ 29,000
San Francisco, California 162 $ 30,153,000 $ 186,129 $ 22,000
Duval, Florida 162 $ 12,382,000 $ 76,432 $ 34,000
Butler, Ohio 160 $ 13,797,000 $ 86,231 $ 57,000
Portage, Ohio 160 $ 12,752,000 $ 79,700 $ 61,000
Spokane, Washington 158 $ 10,189,000 $ 64,487 $ 24,000
Lake, Indiana 157 $ 9,166,000 $ 58,382 $ 48,000
Tippecanoe, Indiana 156 $ 7,192,000 $ 46,102 $ 51,000
Milwaukee, Wisconsin 152 $ 10,553,000 $ 69,427 $ 44,000
Allen, Indiana 148 $ 7,170,000 $ 48,445 $ 46,000
Frederick, Maryland 148 $ 14,644,000 $ 98,945 $ 49,000
Washoe, Nevada 148 $ 13,743,000 $ 92,858 $ 31,000
Genesee, Michigan 147 $ 12,241,000 $ 83,272 $ 61,000
Denton, Texas 146 $ 12,540,000 $ 85,890 $ 0
Union, New Jersey 145 $ 14,351,000 $ 98,972 $ 50,000
Carroll, Maryland 142 $ 14,877,000 $ 104,767 $ 62,000
Pinellas, Florida 141 $ 19,208,000 $ 136,226 $ 45,000
Ocean, New Jersey 141 $ 12,189,000 $ 86,446 $ 54,000
Kings, New York 141 $ 20,040,000 $ 142,127 $ 49,000
Virginia Beach, Virginia 141 $ 12,954,000 $ 91,872 $ 25,000
Essex, New Jersey 140 $ 15,728,000 $ 112,342 $ 43,000
Collin, Texas 139 $ 10,058,000 $ 72,359 $ 0
Windsor, Vermont 139 $ 12,404,000 $ 89,237 $ 114,000
Sullivan, New Hampshire 136 $ 11,410,000 $ 83,897 $ 97,000
District of Columbia, District Of Columbia 135 $ 18,307,000 $ 135,607 $ 9,000
Coos, New Hampshire 135 $ 9,038,000 $ 66,948 $ 59,000
Cheshire, New Hampshire 134 $ 12,596,000 $ 94,000 $ 95,000
Rockland, New York 132 $ 17,126,000 $ 129,742 $ 124,000
Buncombe, North Carolina 130 $ 18,477,000 $ 142,130 $ 60,000
Seminole, Florida 129 $ 15,244,000 $ 118,170 $ 30,000
Sedgwick, Kansas 129 $ 4,841,000 $ 37,527 $ 20,000
Bernalillo, New Mexico 129 $ 9,451,000 $ 73,263 $ 2,000
Allegan, Michigan 127 $ 6,525,000 $ 51,377 $ 59,000
Columbiana, Ohio 124 $ 7,192,000 $ 58,000 $ 92,000
Hudson, New Jersey 123 $ 11,632,000 $ 94,569 $ 34,000
Union, North Carolina 123 $ 15,438,000 $ 125,512 $ 88,000
Warren, Ohio 123 $ 10,549,000 $ 85,764 $ 46,000
Windham, Connecticut 122 $ 10,658,000 $ 87,360 $ 75,000
Jackson, Missouri 122 $ 7,467,000 $ 61,204 $ 43,000
Richmond, New York 122 $ 11,151,000 $ 91,401 $ 57,000
Shelby, Tennessee 121 $ 6,350,000 $ 52,479 $ 4,000
San Joaquin, California 120 $ 14,244,000 $ 118,700 $ 25,000
Ingham, Michigan 120 $ 8,888,000 $ 74,066 $ 58,000
Dakota, Minnesota 120 $ 8,633,000 $ 71,941 $ 51,000
Tompkins, New York 120 $ 3,654,000 $ 30,450 $ 54,000
Sonoma, California 117 $ 15,822,000 $ 135,230 $ 32,000
Douglas, Nebraska 117 $ 4,345,000 $ 37,136 $ 15,000
Marion, Oregon 117 $ 8,054,000 $ 68,837 $ 27,000
Chesterfield, Virginia 117 $ 12,531,000 $ 107,102 $ 97,000
Lee, Florida 116 $ 18,834,000 $ 162,362 $ 54,000
Oswego, New York 116 $ 3,012,000 $ 25,965 $ 53,000
Fresno, California 115 $ 11,609,000 $ 100,947 $ 33,000
Madison, Illinois 115 $ 5,498,000 $ 47,808 $ 25,000
Canyon, Idaho 114 $ 4,904,000 $ 43,017 $ 7,000
Trumbull, Ohio 114 $ 6,825,000 $ 59,868 $ 55,000
Dane, Wisconsin 114 $ 7,990,000 $ 70,087 $ 48,000
Arlington, Virginia 113 $ 13,863,000 $ 122,681 $ 34,000
Waukesha, Wisconsin 113 $ 10,601,000 $ 93,814 $ 57,000
Madison, New York 109 $ 3,172,000 $ 29,100 $ 49,000
Addison, Vermont 108 $ 11,593,000 $ 107,342 $ 84,000
Boulder, Colorado 107 $ 12,020,000 $ 112,336 $ 25,000
Lane, Oregon 107 $ 10,069,000 $ 94,102 $ 33,000
Pinal, Arizona 105 $ 8,605,000 $ 81,952 $ 28,000
Jackson, Michigan 105 $ 6,160,000 $ 58,666 $ 46,000
Saginaw, Michigan 105 $ 5,658,000 $ 53,885 $ 60,000
Anoka, Minnesota 105 $ 6,156,000 $ 58,628 $ 33,000
Livingston, New York 104 $ 4,886,000 $ 46,980 $ 58,000
Kendall, Illinois 103 $ 10,332,000 $ 100,310 $ 65,000
Hancock, Indiana 103 $ 5,763,000 $ 55,951 $ 41,000
Franklin, Vermont 103 $ 7,909,000 $ 76,786 $ 70,000
Jefferson, Kentucky 102 $ 6,375,000 $ 62,500 $ 28,000
Henrico, Virginia 102 $ 12,372,000 $ 121,294 $ 46,000
Somerset, New Jersey 101 $ 11,114,000 $ 110,039 $ 57,000
Washington, Pennsylvania 101 $ 7,358,000 $ 72,851 $ 47,000
Kern, California 100 $ 8,447,000 $ 84,470 $ 52,000
Herkimer, New York 100 $ 3,942,000 $ 39,420 $ 48,000
Greenville, South Carolina 100 $ 9,181,000 $ 91,810 $ 51,000
Cumberland, Maine 99 $ 8,325,000 $ 84,090 $ 54,000
Adams, Colorado 97 $ 6,314,000 $ 65,092 $ 25,000
Montgomery, Ohio 97 $ 6,865,000 $ 70,773 $ 67,000
Oklahoma, Oklahoma 97 $ 7,364,000 $ 75,917 $ 40,000
Windham, Vermont 97 $ 7,150,000 $ 73,711 $ 71,000
El Dorado, California 96 $ 12,011,000 $ 125,114 $ 25,000
St. Clair, Illinois 95 $ 6,312,000 $ 66,442 $ 17,000
Passaic, New Jersey 95 $ 9,809,000 $ 103,252 $ 48,000
Cherokee, Georgia 94 $ 6,681,000 $ 71,074 $ 51,000
Morgan, Indiana 94 $ 6,177,000 $ 65,712 $ 57,000
Delaware, Ohio 94 $ 10,248,000 $ 109,021 $ 76,000
Delaware, New York 93 $ 3,401,000 $ 36,569 $ 53,000
Tulsa, Oklahoma 93 $ 6,914,000 $ 74,344 $ 30,000
Bennington, Vermont 93 $ 6,481,000 $ 69,688 $ 69,000
Charles, Maryland 92 $ 12,232,000 $ 132,956 $ 52,000
Gloucester, New Jersey 91 $ 8,183,000 $ 89,923 $ 57,000
Williamson, Texas 91 $ 3,996,000 $ 43,912 $ 0
Larimer, Colorado 90 $ 7,274,000 $ 80,822 $ 29,000
Fulton, New York 90 $ 4,794,000 $ 53,266 $ 70,000
Butler, Pennsylvania 90 $ 7,453,000 $ 82,811 $ 74,000
Brevard, Florida 89 $ 12,302,000 $ 138,224 $ 41,000
Franklin, Massachusetts 89 $ 7,008,000 $ 78,741 $ 64,000
Tuscarawas, Ohio 89 $ 5,121,000 $ 57,539 $ 56,000
Sarasota, Florida 88 $ 15,975,000 $ 181,534 $ 57,000
Guilford, North Carolina 88 $ 5,997,000 $ 68,147 $ 27,000
Chesapeake, Virginia 88 $ 8,601,000 $ 97,738 $ 32,000
Marin, California 86 $ 16,120,000 $ 187,441 $ 31,000
Northampton, Pennsylvania 85 $ 8,244,000 $ 96,988 $ 68,000
Ramsey, Minnesota 84 $ 7,653,000 $ 91,107 $ 52,000
St. Louis City, Missouri 82 $ 5,093,000 $ 62,109 $ 42,000
Luzerne, Pennsylvania 82 $ 6,364,000 $ 77,609 $ 56,000
Tolland, Connecticut 81 $ 9,111,000 $ 112,481 $ 79,000
Forsyth, Georgia 81 $ 8,275,000 $ 102,160 $ 51,000
St. Mary's, Maryland 81 $ 8,304,000 $ 102,518 $ 45,000
Yolo, California 80 $ 9,180,000 $ 114,750 $ 25,000
Sussex, New Jersey 80 $ 6,612,000 $ 82,650 $ 90,000
Collier, Florida 79 $ 17,950,000 $ 227,215 $ 106,000
Tioga, New York 79 $ 2,777,000 $ 35,151 $ 50,000
Cabarrus, North Carolina 79 $ 6,721,000 $ 85,075 $ 73,000
Iredell, North Carolina 79 $ 10,181,000 $ 128,873 $ 50,000
Stafford, Virginia 79 $ 11,042,000 $ 139,772 $ 53,000
Fairfield, Ohio 78 $ 9,421,000 $ 120,782 $ 65,000
Polk, Florida 77 $ 8,412,000 $ 109,246 $ 32,000
Volusia, Florida 77 $ 7,231,000 $ 93,909 $ 35,000
Jefferson, Missouri 77 $ 4,383,000 $ 56,922 $ 35,000
Thurston, Washington 77 $ 9,006,000 $ 116,961 $ 22,000
Stanislaus, California 75 $ 6,991,000 $ 93,213 $ 44,000
Pasco, Florida 75 $ 7,637,000 $ 101,826 $ 47,000
Kitsap, Washington 75 $ 7,481,000 $ 99,746 $ 28,000
Cortland, New York 74 $ 1,331,000 $ 17,986 $ 47,000
Orleans, New York 74 $ 1,885,000 $ 25,472 $ 54,000
Davidson, Tennessee 74 $ 6,645,000 $ 89,797 $ 6,000
Cecil, Maryland 73 $ 5,148,000 $ 70,520 $ 62,000
Alexandria, Virginia 73 $ 8,654,000 $ 118,547 $ 52,000
Weld, Colorado 72 $ 3,982,000 $ 55,305 $ 14,000
Clermont, Ohio 72 $ 4,571,000 $ 63,486 $ 33,000
Knox, Tennessee 72 $ 3,499,000 $ 48,597 $ 3,000
Litchfield, Connecticut 71 $ 5,432,000 $ 76,507 $ 66,000
Ottawa, Michigan 71 $ 5,788,000 $ 81,521 $ 36,000
Bronx, New York 71 $ 11,698,000 $ 164,760 $ 57,000
Lehigh, Pennsylvania 71 $ 5,535,000 $ 77,957 $ 41,000
St. Clair, Michigan 70 $ 4,987,000 $ 71,242 $ 74,000
Deschutes, Oregon 70 $ 7,564,000 $ 108,057 $ 18,000
Boone, Indiana 68 $ 6,556,000 $ 96,411 $ 68,000
Huron, Ohio 68 $ 3,785,000 $ 55,661 $ 52,000
Beaver, Pennsylvania 68 $ 5,241,000 $ 77,073 $ 52,000
Bexar, Texas 68 $ 7,212,000 $ 106,058 $ 0
Santa Cruz, California 67 $ 9,054,000 $ 135,134 $ 29,000
Monroe, Indiana 67 $ 5,490,000 $ 81,940 $ 56,000
Mercer, New Jersey 67 $ 8,131,000 $ 121,358 $ 72,000
Yavapai, Arizona 66 $ 6,279,000 $ 95,136 $ 35,000
Bannock, Idaho 66 $ 2,589,000 $ 39,227 $ 7,000
Montgomery, Indiana 66 $ 2,286,000 $ 34,636 $ 46,000
Wayne, Ohio 66 $ 4,868,000 $ 73,757 $ 63,000
Honolulu, Hawaii 65 $ 5,973,000 $ 91,892 $ 0
Atlantic, New Jersey 65 $ 14,384,000 $ 221,292 $ 159,000
Sullivan, New York 65 $ 4,923,000 $ 75,738 $ 79,000
Monroe, Pennsylvania 64 $ 5,100,000 $ 79,687 $ 52,000
Montgomery, Texas 63 $ 7,254,000 $ 115,142 $ 3,000
Putnam, New York 62 $ 7,642,000 $ 123,258 $ 91,000
Licking, Ohio 62 $ 5,557,000 $ 89,629 $ 55,000
Fayette, Kentucky 61 $ 3,393,000 $ 55,622 $ 18,000
Steuben, New York 61 $ 2,041,000 $ 33,459 $ 56,000
Weber, Utah 61 $ 3,241,000 $ 53,131 $ 27,000
Lake, Florida 60 $ 6,086,000 $ 101,433 $ 42,000
Chenango, New York 60 $ 2,268,000 $ 37,800 $ 55,000
Erie, Pennsylvania 60 $ 4,119,000 $ 68,650 $ 44,000
Jackson, Oregon 58 $ 5,101,000 $ 87,948 $ 33,000
Washington, Vermont 58 $ 5,000,000 $ 86,206 $ 81,000
Washington, Minnesota 57 $ 6,465,000 $ 113,421 $ 56,000
Fayette, Georgia 56 $ 5,220,000 $ 93,214 $ 45,000
Washington, Maryland 56 $ 4,039,000 $ 72,125 $ 36,000
Forsyth, North Carolina 56 $ 5,767,000 $ 102,982 $ 49,000
Pike, Pennsylvania 56 $ 5,145,000 $ 91,875 $ 48,000
Washington, Utah 56 $ 5,473,000 $ 97,732 $ 14,000
St. Lucie, Florida 55 $ 3,500,000 $ 63,636 $ 76,000
Hanover, Virginia 55 $ 5,833,000 $ 106,054 $ 63,000
Montgomery, New York 54 $ 2,711,000 $ 50,203 $ 65,000
Calvert, Maryland 53 $ 5,194,000 $ 98,000 $ 62,000
Worcester, Maryland 53 $ 5,077,000 $ 95,792 $ 35,000
St. Johns, Florida 52 $ 11,289,000 $ 217,096 $ 51,000
Noble, Indiana 52 $ 1,156,000 $ 22,230 $ 45,000
Clay, Missouri 52 $ 3,049,000 $ 58,634 $ 42,000
Spotsylvania, Virginia 52 $ 5,824,000 $ 112,000 $ 52,000
Lewis, New York 51 $ 1,132,000 $ 22,196 $ 40,000
Franklin, Pennsylvania 51 $ 3,365,000 $ 65,980 $ 28,000
Washington, Wisconsin 51 $ 4,243,000 $ 83,196 $ 48,000
Paulding, Georgia 50 $ 3,126,000 $ 62,520 $ 22,000
Hunterdon, New Jersey 50 $ 6,447,000 $ 128,940 $ 87,000
Chautauqua, New York 50 $ 2,741,000 $ 54,820 $ 54,000
Chemung, New York 50 $ 1,956,000 $ 39,120 $ 64,000
York, South Carolina 50 $ 4,036,000 $ 80,720 $ 34,000
San Luis Obispo, California 49 $ 9,314,000 $ 190,081 $ 92,000
Manatee, Florida 49 $ 7,915,000 $ 161,530 $ 79,000
Centre, Pennsylvania 49 $ 5,024,000 $ 102,530 $ 58,000
Coconino, Arizona 48 $ 3,894,000 $ 81,125 $ 42,000
Henry, Georgia 48 $ 3,598,000 $ 74,958 $ 29,000
Boone, Kentucky 48 $ 3,517,000 $ 73,270 $ 43,000
Scott, Minnesota 48 $ 4,228,000 $ 88,083 $ 34,000
Sherburne, Minnesota 48 $ 3,304,000 $ 68,833 $ 46,000
Monterey, California 47 $ 9,447,000 $ 201,000 $ 46,000
Porter, Indiana 47 $ 2,393,000 $ 50,914 $ 42,000
New York, New York 47 $ 11,216,000 $ 238,638 $ 162,000
Horry, South Carolina 47 $ 6,372,000 $ 135,574 $ 40,000
Santa Barbara, California 46 $ 12,496,000 $ 271,652 $ 67,000
Cache, Utah 46 $ 1,815,000 $ 39,456 $ 14,000
Cowlitz, Washington 46 $ 2,654,000 $ 57,695 $ 19,000
Mohave, Arizona 45 $ 2,685,000 $ 59,666 $ 48,000
Cleveland, Oklahoma 45 $ 2,064,000 $ 45,866 $ 23,000
Adams, Pennsylvania 45 $ 2,872,000 $ 63,822 $ 25,000
Lackawanna, Pennsylvania 45 $ 4,454,000 $ 98,977 $ 69,000
Charleston, South Carolina 45 $ 12,897,000 $ 286,600 $ 33,000
Norfolk, Virginia 45 $ 2,940,000 $ 65,333 $ 27,000
Whatcom, Washington 45 $ 4,409,000 $ 97,977 $ 30,000
Kenton, Kentucky 44 $ 3,626,000 $ 82,409 $ 47,000
Greene, Missouri 44 $ 2,131,000 $ 48,431 $ 26,000
Sarpy, Nebraska 44 $ 1,530,000 $ 34,772 $ 16,000
Butte, California 43 $ 5,288,000 $ 122,976 $ 29,000
Nevada, California 43 $ 5,054,000 $ 117,534 $ 36,000
Chatham, Georgia 43 $ 5,991,000 $ 139,325 $ 34,000
Coweta, Georgia 43 $ 2,669,000 $ 62,069 $ 22,000
Queen Anne's, Maryland 43 $ 6,343,000 $ 147,511 $ 70,000
Van Buren, Michigan 43 $ 3,084,000 $ 71,720 $ 77,000
Warren, New Jersey 43 $ 3,977,000 $ 92,488 $ 27,000
Gaston, North Carolina 43 $ 4,085,000 $ 95,000 $ 59,000
Marion, Florida 42 $ 3,160,000 $ 75,238 $ 44,000
Lapeer, Michigan 42 $ 3,760,000 $ 89,523 $ 93,000
St. Louis, Minnesota 42 $ 2,498,000 $ 59,476 $ 49,000
Wright, Minnesota 42 $ 2,757,000 $ 65,642 $ 41,000
Gallatin, Montana 42 $ 4,045,000 $ 96,309 $ 12,000
Cayuga, New York 42 $ 1,295,000 $ 30,833 $ 44,000
Tooele, Utah 42 $ 2,041,000 $ 48,595 $ 11,000
Skagit, Washington 42 $ 3,796,000 $ 90,380 $ 22,000
Shasta, California 41 $ 4,042,000 $ 98,585 $ 38,000
Champaign, Illinois 41 $ 1,554,000 $ 37,902 $ 13,000
Genesee, New York 41 $ 1,974,000 $ 48,146 $ 66,000
Durham, North Carolina 41 $ 3,748,000 $ 91,414 $ 45,000
Yamhill, Oregon 41 $ 3,234,000 $ 78,878 $ 39,000
Alachua, Florida 40 $ 3,574,000 $ 89,350 $ 28,000
Eaton, Michigan 40 $ 2,911,000 $ 72,775 $ 67,000
Cape May, New Jersey 40 $ 7,330,000 $ 183,250 $ 78,000
Catawba, North Carolina 40 $ 4,269,000 $ 106,725 $ 58,000
Ashtabula, Ohio 40 $ 3,011,000 $ 75,275 $ 74,000
Blair, Pennsylvania 40 $ 3,206,000 $ 80,150 $ 43,000
Albemarle, Virginia 40 $ 2,984,000 $ 74,600 $ 37,000
Fauquier, Virginia 40 $ 4,244,000 $ 106,100 $ 24,000
Richmond City, Virginia 40 $ 5,222,000 $ 130,550 $ 84,000
Tulare, California 39 $ 2,651,000 $ 67,974 $ 42,000
Kootenai, Idaho 39 $ 4,649,000 $ 119,205 $ 31,000
White, Indiana 39 $ 2,323,000 $ 59,564 $ 52,000
Cattaraugus, New York 39 $ 1,895,000 $ 48,589 $ 58,000
El Paso, Texas 39 $ 1,632,000 $ 41,846 $ 0
Bonneville, Idaho 38 $ 1,790,000 $ 47,105 $ 20,000
Shelby, Indiana 38 $ 2,572,000 $ 67,684 $ 63,000
Greene, New York 38 $ 3,682,000 $ 96,894 $ 82,000
Linn, Oregon 38 $ 2,229,000 $ 58,657 $ 40,000
Benton, Washington 38 $ 2,012,000 $ 52,947 $ 35,000
Okaloosa, Florida 37 $ 3,858,000 $ 104,270 $ 48,000
Winnebago, Illinois 37 $ 1,440,000 $ 38,918 $ 18,000
St. Joseph, Indiana 37 $ 1,700,000 $ 45,945 $ 74,000
Wicomico, Maryland 37 $ 1,960,000 $ 52,972 $ 26,000
Columbia, New York 37 $ 2,808,000 $ 75,891 $ 98,000
Lebanon, Pennsylvania 37 $ 2,661,000 $ 71,918 $ 39,000
Williamson, Tennessee 36 $ 7,460,000 $ 207,222 $ 3,000
Fort Bend, Texas 36 $ 2,544,000 $ 70,666 $ 0
Osceola, Florida 35 $ 2,363,000 $ 67,514 $ 29,000
Hamilton, New York 35 $ 1,632,000 $ 46,628 $ 82,000
Richland, South Carolina 35 $ 3,157,000 $ 90,200 $ 28,000
Ozaukee, Wisconsin 35 $ 7,071,000 $ 202,028 $ 60,000
Charlotte, Florida 34 $ 3,269,000 $ 96,147 $ 34,000
Kankakee, Illinois 34 $ 2,056,000 $ 60,470 $ 59,000
Carver, Minnesota 34 $ 4,643,000 $ 136,558 $ 55,000
Ottawa, Ohio 34 $ 2,368,000 $ 69,647 $ 74,000
Rutherford, Tennessee 34 $ 1,874,000 $ 55,117 $ 16,000
Sumner, Tennessee 34 $ 2,314,000 $ 68,058 $ 6,000
Yuma, Arizona 33 $ 1,580,000 $ 47,878 $ 43,000
Napa, California 33 $ 6,492,000 $ 196,727 $ 52,000
Citrus, Florida 33 $ 3,559,000 $ 107,848 $ 38,000
Delaware, Indiana 33 $ 1,600,000 $ 48,484 $ 60,000
Berrien, Michigan 33 $ 3,052,000 $ 92,484 $ 41,000
Sandoval, New Mexico 33 $ 3,117,000 $ 94,454 $ 0
Schoharie, New York 33 $ 2,081,000 $ 63,060 $ 73,000
Brown, Wisconsin 33 $ 2,003,000 $ 60,696 $ 13,000
Leon, Florida 32 $ 4,959,000 $ 154,968 $ 49,000
Hall, Georgia 32 $ 2,857,000 $ 89,281 $ 56,000
Oxford, Maine 32 $ 2,699,000 $ 84,343 $ 71,000
Penobscot, Maine 32 $ 1,731,000 $ 54,093 $ 24,000
Johnston, North Carolina 32 $ 3,097,000 $ 96,781 $ 46,000
Spartanburg, South Carolina 32 $ 2,792,000 $ 87,250 $ 47,000
James City, Virginia 32 $ 5,147,000 $ 160,843 $ 43,000
Bay, Florida 31 $ 3,915,000 $ 126,290 $ 51,000
Calhoun, Michigan 31 $ 2,723,000 $ 87,838 $ 45,000
Flathead, Montana 31 $ 2,907,000 $ 93,774 $ 21,000
Missoula, Montana 31 $ 3,788,000 $ 122,193 $ 30,000
New Hanover, North Carolina 31 $ 3,374,000 $ 108,838 $ 45,000
Mercer, Pennsylvania 31 $ 3,145,000 $ 101,451 $ 66,000
Orange, Vermont 31 $ 2,787,000 $ 89,903 $ 82,000
Elmore, Idaho 30 $ 1,175,000 $ 39,166 $ 8,000
San Juan, New Mexico 30 $ 1,338,000 $ 44,600 $ 3,000
Rowan, North Carolina 30 $ 1,816,000 $ 60,533 $ 48,000
Armstrong, Pennsylvania 30 $ 1,845,000 $ 61,500 $ 50,000
Muskegon, Michigan 29 $ 2,108,000 $ 72,689 $ 47,000
Dona Ana, New Mexico 29 $ 1,263,000 $ 43,551 $ 6,000
Greene, Ohio 29 $ 2,163,000 $ 74,586 $ 37,000
Racine, Wisconsin 29 $ 2,455,000 $ 84,655 $ 47,000
Putnam, Indiana 28 $ 1,320,000 $ 47,142 $ 45,000
Jefferson, New York 28 $ 1,857,000 $ 66,321 $ 110,000
Lincoln, North Carolina 28 $ 3,470,000 $ 123,928 $ 74,000
Polk, Oregon 28 $ 2,780,000 $ 99,285 $ 37,000
Jefferson, Wisconsin 28 $ 2,170,000 $ 77,500 $ 30,000
Kenosha, Wisconsin 28 $ 2,551,000 $ 91,107 $ 60,000
Mesa, Colorado 27 $ 2,634,000 $ 97,555 $ 21,000
Vanderburgh, Indiana 27 $ 897,000 $ 33,222 $ 172,000
Wyoming, New York 27 $ 1,227,000 $ 45,444 $ 56,000
Hamilton, Tennessee 27 $ 2,641,000 $ 97,814 $ 7,000
Jefferson, Alabama 26 $ 6,638,000 $ 255,307 $ 3,000
Benton, Arkansas 26 $ 1,280,000 $ 49,230 $ 67,000
Pulaski, Arkansas 26 $ 1,417,000 $ 54,500 $ 87,000
Washington, Arkansas 26 $ 1,717,000 $ 66,038 $ 65,000
Summit, Colorado 26 $ 4,273,000 $ 164,346 $ 47,000
Santa Rosa, Florida 26 $ 1,954,000 $ 75,153 $ 44,000
Grundy, Illinois 26 $ 1,682,000 $ 64,692 $ 52,000
Polk, Iowa 26 $ 1,337,000 $ 51,423 $ 7,000
Buchanan, Missouri 26 $ 1,221,000 $ 46,961 $ 19,000
Seneca, New York 26 $ 666,000 $ 25,615 $ 55,000
Harnett, North Carolina 26 $ 2,095,000 $ 80,576 $ 54,000
Fulton, Ohio 26 $ 1,595,000 $ 61,346 $ 60,000
Frederick, Virginia 26 $ 1,822,000 $ 70,076 $ 38,000
Yakima, Washington 26 $ 1,325,000 $ 50,961 $ 25,000
St. Croix, Wisconsin 26 $ 2,044,000 $ 78,615 $ 48,000
Merced, California 25 $ 2,375,000 $ 95,000 $ 43,000
Clay, Florida 25 $ 1,772,000 $ 70,880 $ 34,000
Twin Falls, Idaho 25 $ 1,184,000 $ 47,360 $ 21,000
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Mortgage Loan Application Detail Totals for Rbs Citizens, N.A. in 2007

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 56,374 $6,504,194,000 $115,000 $23,800,000 $63,000 $6,204,000
Home Improvement 41,488 $1,889,589,000 $45,000 $26,500,000 $74,000 $9,999,000
Home Purchase 32,143 $3,436,361,000 $106,000 $6,235,000 $36,000 $7,385,000

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 64,534 $5,666,942,000 $87,000 $6,000,000 $85,000 $9,999,000
Not applicable 36,377 $3,543,529,000 $97,000 $26,500,000 $0 $411,000
Not Provided 12,913 $1,328,897,000 $102,000 $3,500,000 $94,000 $6,204,000
Black or African American 7,759 $541,573,000 $69,000 $23,800,000 $58,000 $4,985,000
Hispanic 5,285 $426,917,000 $80,000 $960,000 $67,000 $2,870,000
Asian 2,467 $270,286,000 $109,000 $1,998,000 $96,000 $2,850,000
American Indian or Alaskan Native 416 $28,581,000 $68,000 $483,000 $76,000 $476,000
Native Hawaiian or Other Pacific Islander 254 $23,419,000 $92,000 $1,384,000 $85,000 $694,000

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) 129,010 $11,667,881,000 $90,000 $26,500,000 $60,000 $9,999,000
FHA-insured (Federal Housing Administration) 874 $139,152,000 $159,000 $1,000,000 $59,000 $575,000
VA-guaranteed (Veterans Administration) 121 $23,111,000 $191,000 $417,000 $65,000 $191,000
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
Application Denied By Financial Institution 42,215 $3,475,223,000 $82,000 $23,800,000 $76,000 $9,999,000
Loan Originated 37,963 $3,394,996,000 $89,000 $16,000,000 $87,000 $7,385,000
Loan Purchased By The Institution 36,310 $3,438,746,000 $94,000 $1,997,000 $0 $411,000
File Closed For Incompleteness 6,527 $603,284,000 $92,000 $3,500,000 $100,000 $4,344,000
Application Approved But Not Accepted 4,593 $436,481,000 $95,000 $3,395,000 $92,000 $3,600,000
Application Withdrawn By Applicant 1,999 $423,640,000 $211,000 $26,500,000 $90,000 $4,985,000
Preapproval Denied by Financial Institution 398 $57,774,000 $145,000 $880,000 $60,000 $570,000
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 15,935 $1,332,868,000 $83,000 $3,450,000 $59,000 $1,156,000
Credit History 13,273 $930,224,000 $70,000 $23,800,000 $74,000 $9,999,000
Collateral 6,218 $580,920,000 $93,000 $6,000,000 $99,000 $2,300,000
Other 4,376 $374,042,000 $85,000 $1,200,000 $104,000 $6,204,000
Unverifiable Information 1,318 $100,039,000 $75,000 $1,515,000 $78,000 $2,736,000
Credit Application Incomplete 1,127 $172,347,000 $152,000 $1,700,000 $93,000 $2,664,000
Employment History 256 $20,819,000 $81,000 $513,000 $74,000 $528,000
Insufficient Cash (Downpayment, Closing Cost) 104 $20,587,000 $197,000 $2,909,000 $75,000 $674,000
Mortgage Insurance Denied 6 $1,151,000 $191,000 $326,000 $79,000 $119,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Rbs Citizens, N.A.'s 2007 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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