Rbs Citizens, N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Rbs Citizens, N.A. 2005 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 | 10,273 |
| Total Mortgage Loan Application Amount | $1,137,460,000 |
| Average Mortgage Loan Application Amount | $403,188 |
| Highest Mortgage Loan Application Amount | $12,880,000 |
| Average Applicant Income | $15,712 |
| Highest Applicant Income | $1,092,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| BUFFALO-NIAGARA FALLS, NY | 2,399 | $ 76,823,000 | $ 32,000 | $ 58,000 |
| ROCHESTER, NY | 1,512 | $ 55,364,000 | $ 36,000 | $ 54,000 |
| ALBANY-SCHENECTADY-TROY, NY | 918 | $ 46,839,000 | $ 51,000 | $ 73,000 |
| SYRACUSE, NY | 493 | $ 23,151,000 | $ 46,000 | $ 66,000 |
| UTICA-ROME, NY | 455 | $ 13,008,000 | $ 28,000 | $ 51,000 |
| BINGHAMTON, NY | 389 | $ 7,886,000 | $ 20,000 | $ 37,000 |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY | 346 | $ 27,105,000 | $ 78,000 | $ 84,000 |
| GLENS FALLS, NY | 233 | $ 9,298,000 | $ 39,000 | $ 57,000 |
| NEW YORK-WAYNE-WHITE PLAINS, NY-NJ | 180 | $ 58,448,000 | $ 324,000 | $ 111,000 |
| BURLINGTON-SOUTH BURLINGTON, VT | 162 | $ 11,161,000 | $ 68,000 | $ 80,000 |
| KINGSTON, NY | 125 | $ 11,995,000 | $ 95,000 | $ 86,000 |
| ITHACA, NY | 102 | $ 3,712,000 | $ 36,000 | $ 54,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 83 | $ 43,967,000 | $ 529,000 | $ 0 |
| PHILADELPHIA, PA | 45 | $ 19,911,000 | $ 442,000 | $ 110,000 |
| BOSTON-QUINCY, MA | 43 | $ 13,702,000 | $ 318,000 | $ 51,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 43 | $ 22,913,000 | $ 532,000 | $ 0 |
| CHICAGO-NAPERVILLE-JOLIET, IL | 41 | $ 20,971,000 | $ 511,000 | $ 0 |
| NASSAU-SUFFOLK, NY | 38 | $ 19,236,000 | $ 506,000 | $ 67,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 35 | $ 17,579,000 | $ 502,000 | $ 126,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 33 | $ 18,153,000 | $ 550,000 | $ 0 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 31 | $ 16,806,000 | $ 542,000 | $ 0 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 31 | $ 15,151,000 | $ 488,000 | $ 0 |
| WARREN-FARMINGTON HILLS-TROY, MI | 31 | $ 14,992,000 | $ 483,000 | $ 0 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 30 | $ 14,355,000 | $ 478,000 | $ 0 |
| DALLAS-PLANO-IRVING, TX | 29 | $ 14,541,000 | $ 501,000 | $ 0 |
| BETHESDA-FREDERICK-GAITHERSBURG, MD | 27 | $ 13,835,000 | $ 512,000 | $ 0 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 26 | $ 11,748,000 | $ 451,000 | $ 0 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 26 | $ 14,104,000 | $ 542,000 | $ 0 |
| BALTIMORE-TOWSON, MD | 25 | $ 10,521,000 | $ 420,000 | $ 0 |
| PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 24 | $ 7,999,000 | $ 333,000 | $ 46,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 22 | $ 11,750,000 | $ 534,000 | $ 0 |
| HOUSTON-BAYTOWN-SUGAR LAND, TX | 21 | $ 10,169,000 | $ 484,000 | $ 0 |
| SEATTLE-BELLEVUE-EVERETT, WA | 21 | $ 12,430,000 | $ 591,000 | $ 0 |
| DENVER-AURORA, CO | 20 | $ 10,405,000 | $ 520,000 | $ 0 |
| EDISON, NJ | 20 | $ 8,868,000 | $ 443,000 | $ 7,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 17 | $ 8,278,000 | $ 486,000 | $ 91,000 |
| ELMIRA, NY | 17 | $ 508,000 | $ 29,000 | $ 60,000 |
| NEWARK-UNION, NJ-PA | 17 | $ 8,751,000 | $ 514,000 | $ 0 |
| AUSTIN-ROUND ROCK, TX | 14 | $ 6,538,000 | $ 467,000 | $ 3,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 13 | $ 5,384,000 | $ 414,000 | $ 0 |
| FORT WORTH-ARLINGTON, TX | 12 | $ 8,510,000 | $ 709,000 | $ 0 |
| LAS VEGAS-PARADISE, NV | 11 | $ 3,962,000 | $ 360,000 | $ 0 |
| ORLANDO, FL | 11 | $ 4,902,000 | $ 445,000 | $ 0 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 11 | $ 5,814,000 | $ 528,000 | $ 0 |
| ESSEX COUNTY, MA | 10 | $ 5,306,000 | $ 530,000 | $ 48,000 |
| NEW HAVEN-MILFORD, CT | 10 | $ 2,074,000 | $ 207,000 | $ 112,000 |
| HARRISBURG-CARLISLE, PA | 9 | $ 1,716,000 | $ 190,000 | $ 19,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 9 | $ 5,066,000 | $ 562,000 | $ 0 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 9 | $ 3,103,000 | $ 344,000 | $ 49,000 |
| CAMDEN, NJ | 8 | $ 3,687,000 | $ 460,000 | $ 0 |
| CHARLESTON-NORTH CHARLESTON, SC | 8 | $ 4,731,000 | $ 591,000 | $ 0 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 8 | $ 4,795,000 | $ 599,000 | $ 0 |
| OKLAHOMA CITY, OK | 8 | $ 3,686,000 | $ 460,000 | $ 0 |
| PITTSBURGH, PA | 8 | $ 1,086,000 | $ 135,000 | $ 42,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 8 | $ 3,362,000 | $ 420,000 | $ 2,000 |
| DETROIT-LIVONIA-DEARBORN, MI | 7 | $ 3,681,000 | $ 525,000 | $ 0 |
| JACKSONVILLE, FL | 7 | $ 3,747,000 | $ 535,000 | $ 0 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 7 | $ 4,031,000 | $ 575,000 | $ 0 |
| MANCHESTER-NASHUA, NH | 7 | $ 1,442,000 | $ 206,000 | $ 41,000 |
| NAPLES-MARCO ISLAND, FL | 7 | $ 4,666,000 | $ 666,000 | $ 0 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 7 | $ 3,384,000 | $ 483,000 | $ 0 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 7 | $ 3,002,000 | $ 428,000 | $ 0 |
| WORCESTER, MA | 7 | $ 2,662,000 | $ 380,000 | $ 23,000 |
| ALBUQUERQUE, NM | 6 | $ 2,315,000 | $ 385,000 | $ 0 |
| BARNSTABLE TOWN, MA | 6 | $ 2,834,000 | $ 472,000 | $ 98,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 6 | $ 2,443,000 | $ 407,000 | $ 0 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 6 | $ 3,439,000 | $ 573,000 | $ 0 |
| SALINAS, CA | 6 | $ 3,092,000 | $ 515,000 | $ 0 |
| SANTA CRUZ-WATSONVILLE, CA | 6 | $ 3,459,000 | $ 576,000 | $ 0 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 6 | $ 3,469,000 | $ 578,000 | $ 0 |
| WILMINGTON, NC | 6 | $ 2,724,000 | $ 454,000 | $ 0 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 5 | $ 1,992,000 | $ 398,000 | $ 0 |
| HONOLULU, HI | 5 | $ 2,671,000 | $ 534,000 | $ 0 |
| LOUISVILLE, KY-IN | 5 | $ 2,578,000 | $ 515,000 | $ 0 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 5 | $ 3,895,000 | $ 779,000 | $ 0 |
| NASHVILLE-DAVIDSON--MURFREESBORO, TN | 5 | $ 2,422,000 | $ 484,000 | $ 0 |
| SALT LAKE CITY, UT | 5 | $ 2,770,000 | $ 554,000 | $ 0 |
| SANTA ROSA-PETALUMA, CA | 5 | $ 2,134,000 | $ 426,000 | $ 0 |
| SARASOTA-BRADENTON-VENICE, FL | 5 | $ 3,226,000 | $ 645,000 | $ 0 |
| ST. LOUIS, MO-IL | 5 | $ 3,004,000 | $ 600,000 | $ 0 |
| TRENTON-EWING, NJ | 5 | $ 2,051,000 | $ 410,000 | $ 0 |
| WILMINGTON, DE-MD-NJ | 5 | $ 960,000 | $ 192,000 | $ 22,000 |
| BEND, OR | 4 | $ 1,731,000 | $ 432,000 | $ 0 |
| BIRMINGHAM-HOOVER, AL | 4 | $ 717,000 | $ 179,000 | $ 0 |
| COLUMBUS, OH | 4 | $ 809,000 | $ 202,000 | $ 0 |
| CORPUS CHRISTI, TX | 4 | $ 1,701,000 | $ 425,000 | $ 0 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 4 | $ 1,695,000 | $ 423,000 | $ 25,000 |
| INDIANAPOLIS, IN | 4 | $ 1,908,000 | $ 477,000 | $ 0 |
| MEMPHIS, TN-MS-AR | 4 | $ 2,717,000 | $ 679,000 | $ 0 |
| NAPA, CA | 4 | $ 3,763,000 | $ 940,000 | $ 0 |
| OGDEN-CLEARFIELD, UT | 4 | $ 1,767,000 | $ 441,000 | $ 0 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 4 | $ 3,433,000 | $ 858,000 | $ 0 |
| RALEIGH-CARY, NC | 4 | $ 1,911,000 | $ 477,000 | $ 0 |
| RICHMOND, VA | 4 | $ 1,693,000 | $ 423,000 | $ 0 |
| STOCKTON, CA | 4 | $ 1,769,000 | $ 442,000 | $ 0 |
| TACOMA, WA | 4 | $ 1,473,000 | $ 368,000 | $ 0 |
| TALLAHASSEE, FL | 4 | $ 2,155,000 | $ 538,000 | $ 0 |
| TUCSON, AZ | 4 | $ 1,547,000 | $ 386,000 | $ 0 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 4 | $ 2,195,000 | $ 548,000 | $ 0 |
| YAKIMA, WA | 4 | $ 899,000 | $ 224,000 | $ 0 |
| ATLANTIC CITY, NJ | 3 | $ 11,000 | $ 3,000 | $ 17,000 |
| CAPE CORAL-FORT MYERS, FL | 3 | $ 1,629,000 | $ 543,000 | $ 0 |
| CHARLOTTESVILLE, VA | 3 | $ 1,629,000 | $ 543,000 | $ 0 |
| COLORADO SPRINGS, CO | 3 | $ 1,129,000 | $ 376,000 | $ 0 |
| COLUMBIA, SC | 3 | $ 1,355,000 | $ 451,000 | $ 0 |
| FLINT, MI | 3 | $ 1,452,000 | $ 484,000 | $ 0 |
| GRAND RAPIDS-WYOMING, MI | 3 | $ 1,400,000 | $ 466,000 | $ 0 |
| GREENVILLE, SC | 3 | $ 1,500,000 | $ 500,000 | $ 0 |
| KANSAS CITY, MO-KS | 3 | $ 2,041,000 | $ 680,000 | $ 0 |
| PORTLAND-SOUTH PORTLAND-BIDDEFORD, ME | 3 | $ 1,071,000 | $ 357,000 | $ 0 |
| ROANOKE, VA | 3 | $ 1,171,000 | $ 390,000 | $ 0 |
| VALLEJO-FAIRFIELD, CA | 3 | $ 1,358,000 | $ 452,000 | $ 0 |
| WINSTON-SALEM, NC | 3 | $ 1,753,000 | $ 584,000 | $ 0 |
| ANN ARBOR, MI | 2 | $ 987,000 | $ 493,000 | $ 0 |
| ASHEVILLE, NC | 2 | $ 1,168,000 | $ 584,000 | $ 0 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 2 | $ 830,000 | $ 415,000 | $ 0 |
| BAKERSFIELD, CA | 2 | $ 1,132,000 | $ 566,000 | $ 0 |
| BOISE CITY-NAMPA, ID | 2 | $ 679,000 | $ 339,000 | $ 0 |
| BOULDER, CO | 2 | $ 902,000 | $ 451,000 | $ 0 |
| BRUNSWICK, GA | 2 | $ 1,079,000 | $ 539,000 | $ 0 |
| CANTON-MASSILLON, OH | 2 | $ 15,000 | $ 7,000 | $ 41,000 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 2 | $ 1,007,000 | $ 503,000 | $ 0 |
| FORT COLLINS-LOVELAND, CO | 2 | $ 1,140,000 | $ 570,000 | $ 0 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 2 | $ 703,000 | $ 351,000 | $ 0 |
| KILLEEN-TEMPLE-FORT HOOD, TX | 2 | $ 947,000 | $ 473,000 | $ 0 |
| KNOXVILLE, TN | 2 | $ 958,000 | $ 479,000 | $ 0 |
| MADISON, WI | 2 | $ 1,194,000 | $ 597,000 | $ 0 |
| MEDFORD, OR | 2 | $ 1,289,000 | $ 644,000 | $ 0 |
| MERCED, CA | 2 | $ 924,000 | $ 462,000 | $ 0 |
| MODESTO, CA | 2 | $ 1,325,000 | $ 662,000 | $ 0 |
| NORWICH-NEW LONDON, CT | 2 | $ 1,251,000 | $ 625,000 | $ 107,000 |
| PANAMA CITY-LYNN HAVEN, FL | 2 | $ 422,000 | $ 211,000 | $ 0 |
| PENSACOLA-FERRY PASS-BRENT, FL | 2 | $ 633,000 | $ 316,000 | $ 0 |
| PITTSFIELD, MA | 2 | $ 598,000 | $ 299,000 | $ 18,000 |
| PUNTA GORDA, FL | 2 | $ 889,000 | $ 444,000 | $ 0 |
| SAN ANTONIO, TX | 2 | $ 1,108,000 | $ 554,000 | $ 0 |
| SAN LUIS OBISPO-PASO ROBLES, CA | 2 | $ 891,000 | $ 445,000 | $ 0 |
| SANTA BARBARA-SANTA MARIA-GOLETA, CA | 2 | $ 1,089,000 | $ 544,000 | $ 0 |
| YORK-HANOVER, PA | 2 | $ 45,000 | $ 22,000 | $ 59,000 |
| ABILENE, TX | 1 | $ 394,000 | $ 394,000 | $ 0 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 1 | $ 414,000 | $ 414,000 | $ 0 |
| ALTOONA, PA | 1 | $ 84,000 | $ 84,000 | $ 0 |
| ATHENS-CLARKE COUNTY, GA | 1 | $ 451,000 | $ 451,000 | $ 0 |
| BANGOR, ME | 1 | $ 75,000 | $ 75,000 | $ 0 |
| BAY CITY, MI | 1 | $ 139,000 | $ 139,000 | $ 0 |
| BEAUMONT-PORT ARTHUR, TX | 1 | $ 375,000 | $ 375,000 | $ 0 |
| BELLINGHAM, WA | 1 | $ 247,000 | $ 247,000 | $ 0 |
| BREMERTON-SILVERDALE, WA | 1 | $ 395,000 | $ 395,000 | $ 0 |
| CARSON CITY, NV | 1 | $ 397,000 | $ 397,000 | $ 0 |
| CHAMPAIGN-URBANA, IL | 1 | $ 648,000 | $ 648,000 | $ 0 |
| CHARLESTON, WV | 1 | $ 690,000 | $ 690,000 | $ 0 |
| CHICO, CA | 1 | $ 435,000 | $ 435,000 | $ 0 |
| CLEVELAND-ELYRIA-MENTOR, OH | 1 | $ 387,000 | $ 387,000 | $ 0 |
| COLUMBUS, GA-AL | 1 | $ 485,000 | $ 485,000 | $ 0 |
| DECATUR, AL | 1 | $ 123,000 | $ 123,000 | $ 0 |
| DES MOINES, IA | 1 | $ 448,000 | $ 448,000 | $ 0 |
| EL CENTRO, CA | 1 | $ 407,000 | $ 407,000 | $ 0 |
| ERIE, PA | 1 | $ 7,000 | $ 7,000 | $ 36,000 |
| EUGENE-SPRINGFIELD, OR | 1 | $ 388,000 | $ 388,000 | $ 0 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 1 | $ 439,000 | $ 439,000 | $ 0 |
| FLAGSTAFF, AZ | 1 | $ 457,000 | $ 457,000 | $ 0 |
| FLORENCE, SC | 1 | $ 518,000 | $ 518,000 | $ 0 |
| FORT WALTON BEACH-CRESTVIEW-DESTIN, FL | 1 | $ 232,000 | $ 232,000 | $ 0 |
| FRESNO, CA | 1 | $ 93,000 | $ 93,000 | $ 0 |
| GREELEY, CO | 1 | $ 468,000 | $ 468,000 | $ 0 |
| GREENVILLE, NC | 1 | $ 469,000 | $ 469,000 | $ 0 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 1 | $ 542,000 | $ 542,000 | $ 0 |
| JACKSONVILLE, NC | 1 | $ 489,000 | $ 489,000 | $ 0 |
| JOHNSON CITY, TN | 1 | $ 548,000 | $ 548,000 | $ 0 |
| KALAMAZOO-PORTAGE, MI | 1 | $ 618,000 | $ 618,000 | $ 0 |
| LAFAYETTE, LA | 1 | $ 112,000 | $ 112,000 | $ 0 |
| LAKELAND, FL | 1 | $ 433,000 | $ 433,000 | $ 0 |
| LANSING-EAST LANSING, MI | 1 | $ 66,000 | $ 66,000 | $ 0 |
| LAS CRUCES, NM | 1 | $ 759,000 | $ 759,000 | $ 0 |
| LEBANON, PA | 1 | $ 16,000 | $ 16,000 | $ 44,000 |
| LEXINGTON-FAYETTE, KY | 1 | $ 548,000 | $ 548,000 | $ 0 |
| LITTLE ROCK-NORTH LITTLE ROCK, AR | 1 | $ 419,000 | $ 419,000 | $ 0 |
| LYNCHBURG, VA | 1 | $ 405,000 | $ 405,000 | $ 0 |
| MACON, GA | 1 | $ 451,000 | $ 451,000 | $ 0 |
| MORRISTOWN, TN | 1 | $ 445,000 | $ 445,000 | $ 0 |
| MOUNT VERNON-ANACORTES, WA | 1 | $ 410,000 | $ 410,000 | $ 0 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC | 1 | $ 435,000 | $ 435,000 | $ 0 |
| OCALA, FL | 1 | $ 424,000 | $ 424,000 | $ 0 |
| OCEAN CITY, NJ | 1 | $ 595,000 | $ 595,000 | $ 0 |
| OSHKOSH-NEENAH, WI | 1 | $ 838,000 | $ 838,000 | $ 0 |
| PORT ST. LUCIE-FORT PIERCE, FL | 1 | $ 393,000 | $ 393,000 | $ 0 |
| PRESCOTT, AZ | 1 | $ 427,000 | $ 427,000 | $ 0 |
| RACINE, WI | 1 | $ 598,000 | $ 598,000 | $ 0 |
| READING, PA | 1 | $ 448,000 | $ 448,000 | $ 0 |
| REDDING, CA | 1 | $ 707,000 | $ 707,000 | $ 0 |
| ROCKFORD, IL | 1 | $ 135,000 | $ 135,000 | $ 0 |
| SANTA FE, NM | 1 | $ 864,000 | $ 864,000 | $ 0 |
| SAVANNAH, GA | 1 | $ 512,000 | $ 512,000 | $ 0 |
| SHERMAN-DENISON, TX | 1 | $ 408,000 | $ 408,000 | $ 0 |
| SHREVEPORT-BOSSIER CITY, LA | 1 | $ 437,000 | $ 437,000 | $ 0 |
| SIOUX CITY, IA-NE-SD | 1 | $ 582,000 | $ 582,000 | $ 0 |
| SPARTANBURG, SC | 1 | $ 540,000 | $ 540,000 | $ 0 |
| SPRINGFIELD, MO | 1 | $ 641,000 | $ 641,000 | $ 0 |
| STATE COLLEGE, PA | 1 | $ 108,000 | $ 108,000 | $ 39,000 |
| TOLEDO, OH | 1 | $ 558,000 | $ 558,000 | $ 0 |
| TULSA, OK | 1 | $ 110,000 | $ 110,000 | $ 0 |
| TUSCALOOSA, AL | 1 | $ 105,000 | $ 105,000 | $ 0 |
| TYLER, TX | 1 | $ 344,000 | $ 344,000 | $ 0 |
| WICHITA FALLS, TX | 1 | $ 94,000 | $ 94,000 | $ 0 |
| WICHITA, KS | 1 | $ 150,000 | $ 150,000 | $ 0 |
Mortgage Loan Application Detail Totals for Rbs Citizens, N.A. in 2005
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 | 5,451 | $121,846,000 | $36,363 | $3,000,000 | $49,363 | $787,000 |
| Refinancing | 4,101 | $738,190,000 | $436,063 | $2,300,000 | $9,297 | $1,092,000 |
| Home Purchase | 721 | $277,424,000 | $461,093 | $12,880,000 | $14,116 | $937,000 |
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 | 6,928 | $329,884,000 | $128,272 | $1,000,000 | $66,272 | $1,092,000 |
| Not applicable | 1,422 | $734,778,000 | $473,083 | $12,880,000 | $0 | $0 |
| Black or African American | 845 | $15,120,000 | $101,333 | $389,000 | $59,333 | $370,000 |
| Not Provided | 549 | $32,123,000 | $134,000 | $850,000 | $105,600 | $630,000 |
| Hispanic | 319 | $11,360,000 | $60,666 | $500,000 | $55,000 | $620,000 |
| Asian | 147 | $11,757,000 | $123,600 | $499,000 | $61,000 | $425,000 |
| American Indian or Alaskan Native | 39 | $1,477,000 | $47,500 | $139,000 | $55,500 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 24 | $961,000 | $47,000 | $155,000 | $33,500 | $111,000 |
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) | 10,273 | $1,137,460,000 | $422,270 | $12,880,000 | $10,125 | $1,092,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 4,572 | $146,256,000 | $26,363 | $850,000 | $33,636 | $800,000 |
| Loan Originated | 3,521 | $200,207,000 | $63,500 | $12,880,000 | $103,000 | $650,000 |
| Loan Purchased By The Institution | 1,558 | $753,040,000 | $449,729 | $1,950,000 | $9,895 | $976,000 |
| Application Approved But Not Accepted | 609 | $37,183,000 | $65,200 | $425,000 | $73,400 | $1,092,000 |
| Application Withdrawn By Applicant | 13 | $774,000 | $68,500 | $192,000 | $85,000 | $220,000 |
| File Closed For Incompleteness | 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 | 2,395 | $54,131,000 | $21,166 | $600,000 | $37,666 | $787,000 |
| Debt-To-Income Ratio | 1,083 | $45,336,000 | $47,833 | $524,000 | $41,166 | $370,000 |
| Other | 371 | $10,172,000 | $20,400 | $500,000 | $69,200 | $599,000 |
| Collateral | 365 | $28,047,000 | $64,500 | $850,000 | $88,000 | $800,000 |
| Unverifiable Information | 306 | $7,281,000 | $20,000 | $500,000 | $27,750 | $518,000 |
| Employment History | 35 | $395,000 | $8,000 | $109,000 | $25,500 | $232,000 |
| Credit Application Incomplete | 17 | $894,000 | $44,500 | $135,000 | $96,500 | $170,000 |
| 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 2005 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.