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Act (HMDA) records Rbs Citizens, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville-Joliet, IL | 7,715 | $ 662,118,000 | $ 85,822 | $ 67,000 |
| Providence-New Bedford-Fall River, RI-MA | 7,326 | $ 806,022,000 | $ 110,022 | $ 82,780 |
| Boston-Quincy, MA | 5,310 | $ 633,418,000 | $ 119,287 | $ 98,000 |
| Cleveland-Elyria-Mentor, OH | 3,717 | $ 265,872,000 | $ 71,528 | $ 64,000 |
| Detroit-Livonia-Dearborn, MI | 3,613 | $ 192,980,000 | $ 53,412 | $ 57,000 |
| Buffalo-Niagara Falls, NY | 3,354 | $ 132,559,000 | $ 39,522 | $ 60,000 |
| Warren-Troy-Farmington Hills, MI | 3,334 | $ 236,030,000 | $ 70,794 | $ 76,000 |
| Cambridge-Newton-Framingham, MA | 3,315 | $ 379,034,000 | $ 114,339 | $ 104,000 |
| Indianapolis-Carmel, IN | 3,314 | $ 172,251,000 | $ 51,976 | $ 56,000 |
| Rochester, NY | 2,642 | $ 117,474,000 | $ 44,464 | $ 60,000 |
| Philadelphia, PA | 2,374 | $ 301,131,000 | $ 126,845 | $ 63,000 |
| Toledo, OH | 1,907 | $ 95,396,000 | $ 50,024 | $ 60,000 |
| Albany-Schenectady-Troy, NY | 1,902 | $ 140,126,000 | $ 73,672 | $ 76,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,885 | $ 243,418,000 | $ 129,134 | $ 42,169 |
| Phoenix-Mesa-Scottsdale, AZ | 1,732 | $ 152,240,000 | $ 87,898 | $ 31,000 |
| Rockingham County-Strafford County, NH | 1,726 | $ 168,269,000 | $ 97,490 | $ 87,000 |
| Seattle-Bellevue-Everett, WA | 1,557 | $ 177,329,000 | $ 113,891 | $ 22,000 |
| New York-White Plains-Wayne, NY-NJ | 1,525 | $ 209,260,000 | $ 137,219 | $ 73,689 |
| Baltimore-Towson, MD | 1,510 | $ 152,737,000 | $ 101,150 | $ 47,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,488 | $ 260,504,000 | $ 175,069 | $ 41,000 |
| Manchester-Nashua, NH | 1,482 | $ 154,532,000 | $ 104,272 | $ 90,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1,437 | $ 136,645,000 | $ 95,090 | $ 47,000 |
| Springfield, MA | 1,396 | $ 105,105,000 | $ 75,290 | $ 65,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1,331 | $ 110,472,000 | $ 82,999 | $ 23,212 |
| Peabody, MA | 1,160 | $ 123,560,000 | $ 106,517 | $ 101,000 |
| Syracuse, NY | 1,136 | $ 38,432,000 | $ 33,830 | $ 56,000 |
| Akron, OH | 1,132 | $ 74,497,000 | $ 65,810 | $ 69,000 |
| Pittsburgh, PA | 1,123 | $ 90,998,000 | $ 81,031 | $ 51,000 |
| St. Louis, MO-IL | 1,085 | $ 71,318,000 | $ 65,730 | $ 34,035 |
| Denver-Aurora, CO | 1,015 | $ 85,083,000 | $ 83,825 | $ 24,000 |
| Wilmington, DE-MD-NJ | 1,005 | $ 82,224,000 | $ 81,814 | $ 72,841 |
| Worcester, MA | 991 | $ 93,107,000 | $ 93,952 | $ 88,000 |
| Canton-Massillon, OH | 924 | $ 53,639,000 | $ 58,050 | $ 55,000 |
| Hartford-West Hartford-East Hartford, CT | 908 | $ 114,246,000 | $ 125,821 | $ 80,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 889 | $ 79,543,000 | $ 89,474 | $ 57,808 |
| Riverside-San Bernardino-Ontario, CA | 872 | $ 92,061,000 | $ 105,574 | $ 40,000 |
| Barnstable Town, MA | 868 | $ 116,389,000 | $ 134,088 | $ 102,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 837 | $ 73,901,000 | $ 88,292 | $ 81,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 836 | $ 87,511,000 | $ 104,678 | $ 19,000 |
| Nassau-Suffolk, NY | 814 | $ 94,542,000 | $ 116,144 | $ 89,000 |
| Columbus, OH | 786 | $ 63,452,000 | $ 80,727 | $ 59,000 |
| Norwich-New London, CT | 771 | $ 84,697,000 | $ 109,853 | $ 82,000 |
| New Haven-Milford, CT | 760 | $ 85,105,000 | $ 111,980 | $ 85,000 |
| Oakland-Fremont-Hayward, CA | 748 | $ 118,698,000 | $ 158,687 | $ 35,000 |
| Cincinnati-Middletown, OH-KY-IN | 731 | $ 58,501,000 | $ 80,028 | $ 47,618 |
| Charlotte-Gastonia-Concord, NC-SC | 712 | $ 70,961,000 | $ 99,664 | $ 65,612 |
| Santa Ana-Anaheim-Irvine, CA | 701 | $ 152,304,000 | $ 217,266 | $ 38,000 |
| Newark-Union, NJ-PA | 640 | $ 69,814,000 | $ 109,084 | $ 61,687 |
| Salt Lake City, UT | 626 | $ 49,820,000 | $ 79,584 | $ 26,000 |
| Utica-Rome, NY | 626 | $ 16,382,000 | $ 26,169 | $ 41,000 |
| San Diego-Carlsbad-San Marcos, CA | 605 | $ 94,291,000 | $ 155,852 | $ 28,000 |
| Edison, NJ | 594 | $ 64,390,000 | $ 108,400 | $ 64,000 |
| Dallas-Plano-Irving, TX | 548 | $ 48,543,000 | $ 88,582 | $ 0 |
| Bethesda-Gaithersburg-Frederick, MD | 544 | $ 68,206,000 | $ 125,378 | $ 50,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 520 | $ 102,793,000 | $ 197,678 | $ 24,000 |
| Binghamton, NY | 482 | $ 15,391,000 | $ 31,931 | $ 44,000 |
| Boise City-Nampa, ID | 474 | $ 26,998,000 | $ 56,957 | $ 12,000 |
| Dover, DE | 474 | $ 57,431,000 | $ 121,162 | $ 73,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 453 | $ 45,947,000 | $ 101,428 | $ 37,286 |
| Kansas City, MO-KS | 450 | $ 29,647,000 | $ 65,882 | $ 46,844 |
| Orlando-Kissimmee, FL | 443 | $ 46,649,000 | $ 105,302 | $ 34,000 |
| Las Vegas-Paradise, NV | 441 | $ 42,492,000 | $ 96,353 | $ 35,000 |
| Tampa-St. Petersburg-Clearwater, FL | 441 | $ 53,540,000 | $ 121,405 | $ 43,000 |
| San Francisco-San Mateo-Redwood City, CA | 440 | $ 85,986,000 | $ 195,422 | $ 27,000 |
| Camden, NJ | 434 | $ 41,054,000 | $ 94,594 | $ 63,000 |
| Youngstown-Warren-Boardman, OH-PA | 401 | $ 23,165,000 | $ 57,768 | $ 59,541 |
| Burlington-South Burlington, VT | 391 | $ 49,945,000 | $ 127,736 | $ 92,000 |
| Glens Falls, NY | 389 | $ 23,315,000 | $ 59,935 | $ 65,000 |
| Richmond, VA | 383 | $ 42,323,000 | $ 110,503 | $ 69,000 |
| Harrisburg-Carlisle, PA | 362 | $ 27,203,000 | $ 75,146 | $ 37,000 |
| Austin-Round Rock, TX | 360 | $ 29,029,000 | $ 80,636 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 351 | $ 32,468,000 | $ 92,501 | $ 50,000 |
| Houston-Sugar Land-Baytown, TX | 336 | $ 37,022,000 | $ 110,184 | $ 0 |
| Portland-South Portland-Biddeford, ME | 333 | $ 29,443,000 | $ 88,417 | $ 67,000 |
| Raleigh-Cary, NC | 329 | $ 32,497,000 | $ 98,775 | $ 49,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 310 | $ 45,852,000 | $ 147,909 | $ 45,000 |
| Lake County-Kenosha County, IL-WI | 309 | $ 35,137,000 | $ 113,711 | $ 66,365 |
| Provo-Orem, UT | 304 | $ 23,021,000 | $ 75,726 | $ 35,000 |
| Bridgeport-Stamford-Norwalk, CT | 299 | $ 45,309,000 | $ 151,535 | $ 83,000 |
| Fort Worth-Arlington, TX | 295 | $ 19,785,000 | $ 67,067 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 290 | $ 52,231,000 | $ 180,106 | $ 55,000 |
| Tucson, AZ | 284 | $ 23,912,000 | $ 84,197 | $ 39,000 |
| Tacoma, WA | 278 | $ 23,512,000 | $ 84,575 | $ 25,000 |
| Miami-Miami Beach-Kendall, FL | 273 | $ 47,249,000 | $ 173,073 | $ 53,000 |
| Grand Rapids-Wyoming, MI | 266 | $ 18,841,000 | $ 70,830 | $ 50,000 |
| Kingston, NY | 262 | $ 17,094,000 | $ 65,244 | $ 72,000 |
| Lancaster, PA | 262 | $ 20,744,000 | $ 79,175 | $ 34,000 |
| Jacksonville, FL | 251 | $ 27,570,000 | $ 109,840 | $ 36,000 |
| Anderson, IN | 247 | $ 8,685,000 | $ 35,161 | $ 43,000 |
| Kalamazoo-Portage, MI | 246 | $ 12,825,000 | $ 52,134 | $ 76,000 |
| Ann Arbor, MI | 238 | $ 19,855,000 | $ 83,424 | $ 65,000 |
| Ogden-Clearfield, UT | 233 | $ 18,462,000 | $ 79,236 | $ 28,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 220 | $ 41,688,000 | $ 189,490 | $ 35,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 214 | $ 19,143,000 | $ 89,453 | $ 49,373 |
| Gary, IN | 214 | $ 11,936,000 | $ 55,775 | $ 45,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 211 | $ 19,726,000 | $ 93,488 | $ 7,000 |
| York-Hanover, PA | 199 | $ 16,981,000 | $ 85,331 | $ 46,000 |
| Louisville-Jefferson County, KY-IN | 197 | $ 12,323,000 | $ 62,553 | $ 28,725 |
| Vallejo-Fairfield, CA | 192 | $ 21,057,000 | $ 109,671 | $ 37,000 |
| Monroe, MI | 191 | $ 11,188,000 | $ 58,575 | $ 77,000 |
| Oklahoma City, OK | 188 | $ 11,536,000 | $ 61,361 | $ 34,000 |
| Colorado Springs, CO | 184 | $ 14,312,000 | $ 77,782 | $ 32,000 |
| Lansing-East Lansing, MI | 184 | $ 13,785,000 | $ 74,918 | $ 60,000 |
| Pittsfield, MA | 177 | $ 14,588,000 | $ 82,418 | $ 67,000 |
| Reading, PA | 177 | $ 14,578,000 | $ 82,361 | $ 50,000 |
| Lafayette, IN | 173 | $ 8,145,000 | $ 47,080 | $ 53,000 |
| Omaha-Council Bluffs, NE-IA | 172 | $ 6,360,000 | $ 36,976 | $ 16,604 |
| Asheville, NC | 170 | $ 25,024,000 | $ 147,200 | $ 63,000 |
| Albuquerque, NM | 169 | $ 12,845,000 | $ 76,005 | $ 1,000 |
| Spokane, WA | 158 | $ 10,189,000 | $ 64,487 | $ 24,000 |
| Memphis, TN-MS-AR | 156 | $ 8,356,000 | $ 53,564 | $ 5,205 |
| Fort Wayne, IN | 155 | $ 7,440,000 | $ 48,000 | $ 46,000 |
| Dayton, OH | 148 | $ 10,865,000 | $ 73,412 | $ 62,000 |
| Reno-Sparks, NV | 148 | $ 13,743,000 | $ 92,858 | $ 31,000 |
| Flint, MI | 147 | $ 12,241,000 | $ 83,272 | $ 61,000 |
| Salem, OR | 145 | $ 10,834,000 | $ 74,717 | $ 29,000 |
| Tulsa, OK | 143 | $ 9,451,000 | $ 66,090 | $ 36,000 |
| Wichita, KS | 143 | $ 5,781,000 | $ 40,426 | $ 19,000 |
| Sarasota-Bradenton-Venice, FL | 137 | $ 23,890,000 | $ 174,379 | $ 65,000 |
| Scranton--Wilkes-Barre, PA | 134 | $ 11,224,000 | $ 83,761 | $ 60,000 |
| Madison, WI | 130 | $ 8,812,000 | $ 67,784 | $ 46,000 |
| Greensboro-High Point, NC | 121 | $ 8,308,000 | $ 68,661 | $ 33,000 |
| Ithaca, NY | 120 | $ 3,654,000 | $ 30,450 | $ 54,000 |
| Stockton, CA | 120 | $ 14,244,000 | $ 118,700 | $ 25,000 |
| Santa Rosa-Petaluma, CA | 117 | $ 15,822,000 | $ 135,230 | $ 32,000 |
| Cape Coral-Fort Myers, FL | 116 | $ 18,834,000 | $ 162,362 | $ 54,000 |
| Fresno, CA | 115 | $ 11,609,000 | $ 100,947 | $ 33,000 |
| Greenville-Mauldin-Easley, SC | 114 | $ 10,464,000 | $ 91,789 | $ 55,000 |
| Boulder, CO | 107 | $ 12,020,000 | $ 112,336 | $ 25,000 |
| Eugene-Springfield, OR | 107 | $ 10,069,000 | $ 94,102 | $ 33,000 |
| Jackson, MI | 105 | $ 6,160,000 | $ 58,666 | $ 46,000 |
| Saginaw-Saginaw Township North, MI | 105 | $ 5,658,000 | $ 53,885 | $ 60,000 |
| Bakersfield, CA | 100 | $ 8,447,000 | $ 84,470 | $ 52,000 |
| Knoxville, TN | 95 | $ 5,955,000 | $ 62,684 | $ 3,000 |
| San Antonio, TX | 94 | $ 9,804,000 | $ 104,297 | $ 0 |
| Fort Collins-Loveland, CO | 90 | $ 7,274,000 | $ 80,822 | $ 29,000 |
| Palm Bay-Melbourne-Titusville, FL | 89 | $ 12,302,000 | $ 138,224 | $ 41,000 |
| Bloomington, IN | 79 | $ 6,050,000 | $ 76,582 | $ 53,000 |
| Naples-Marco Island, FL | 79 | $ 17,950,000 | $ 227,215 | $ 106,000 |
| Charleston-North Charleston, SC | 78 | $ 16,571,000 | $ 212,448 | $ 33,000 |
| Hagerstown-Martinsburg, MD-WV | 78 | $ 5,039,000 | $ 64,602 | $ 25,846 |
| Lexington-Fayette, KY | 78 | $ 4,662,000 | $ 59,769 | $ 24,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 77 | $ 7,231,000 | $ 93,909 | $ 35,000 |
| Lakeland, FL | 77 | $ 8,412,000 | $ 109,246 | $ 32,000 |
| Olympia, WA | 77 | $ 9,006,000 | $ 116,961 | $ 22,000 |
| Durham, NC | 76 | $ 10,223,000 | $ 134,513 | $ 75,000 |
| Bremerton-Silverdale, WA | 75 | $ 7,481,000 | $ 99,746 | $ 28,000 |
| Modesto, CA | 75 | $ 6,991,000 | $ 93,213 | $ 44,000 |
| Greeley, CO | 72 | $ 3,982,000 | $ 55,305 | $ 14,000 |
| Holland-Grand Haven, MI | 71 | $ 5,788,000 | $ 81,521 | $ 36,000 |
| Port St. Lucie, FL | 71 | $ 4,713,000 | $ 66,380 | $ 70,000 |
| Bend, OR | 70 | $ 7,564,000 | $ 108,057 | $ 18,000 |
| Pocatello, ID | 69 | $ 2,637,000 | $ 38,217 | $ 7,000 |
| Winston-Salem, NC | 69 | $ 6,863,000 | $ 99,463 | $ 54,000 |
| Springfield, MO | 68 | $ 3,236,000 | $ 47,588 | $ 26,000 |
| Santa Cruz-Watsonville, CA | 67 | $ 9,054,000 | $ 135,134 | $ 29,000 |
| Trenton-Ewing, NJ | 67 | $ 8,131,000 | $ 121,358 | $ 72,000 |
| Charlottesville, VA | 66 | $ 4,535,000 | $ 68,712 | $ 33,000 |
| Columbia, SC | 66 | $ 5,993,000 | $ 90,803 | $ 30,000 |
| Prescott, AZ | 66 | $ 6,279,000 | $ 95,136 | $ 35,000 |
| Atlantic City, NJ | 65 | $ 14,384,000 | $ 221,292 | $ 159,000 |
| Honolulu, HI | 65 | $ 5,973,000 | $ 91,892 | $ 0 |
| Savannah, GA | 64 | $ 7,218,000 | $ 112,781 | $ 38,000 |
| Hickory-Lenoir-Morganton, NC | 63 | $ 6,230,000 | $ 98,888 | $ 60,000 |
| Erie, PA | 60 | $ 4,119,000 | $ 68,650 | $ 44,000 |
| Medford, OR | 58 | $ 5,101,000 | $ 87,948 | $ 33,000 |
| Duluth, MN-WI | 56 | $ 3,188,000 | $ 56,928 | $ 50,428 |
| St. George, UT | 56 | $ 5,473,000 | $ 97,732 | $ 14,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 55 | $ 3,177,000 | $ 57,763 | $ 65,345 |
| Huntington-Ashland, WV-KY-OH | 55 | $ 2,914,000 | $ 52,981 | $ 38,927 |
| Little Rock-North Little Rock-Conway, AR | 54 | $ 2,918,000 | $ 54,037 | $ 68,000 |
| Chattanooga, TN-GA | 52 | $ 4,644,000 | $ 89,307 | $ 26,923 |
| Kennewick-Richland-Pasco, WA | 52 | $ 2,478,000 | $ 47,653 | $ 28,000 |
| Elmira, NY | 50 | $ 1,956,000 | $ 39,120 | $ 64,000 |
| Wilmington, NC | 50 | $ 5,397,000 | $ 107,940 | $ 48,000 |
| Roanoke, VA | 49 | $ 5,119,000 | $ 104,469 | $ 42,000 |
| San Luis Obispo-Paso Robles, CA | 49 | $ 9,314,000 | $ 190,081 | $ 92,000 |
| State College, PA | 49 | $ 5,024,000 | $ 102,530 | $ 58,000 |
| Champaign-Urbana, IL | 48 | $ 1,874,000 | $ 39,041 | $ 15,000 |
| Evansville, IN-KY | 48 | $ 2,340,000 | $ 48,750 | $ 111,979 |
| Flagstaff, AZ | 48 | $ 3,894,000 | $ 81,125 | $ 42,000 |
| Idaho Falls, ID | 48 | $ 2,282,000 | $ 47,541 | $ 27,000 |
| Logan, UT-ID | 48 | $ 1,879,000 | $ 39,145 | $ 13,791 |
| Rockford, IL | 48 | $ 1,993,000 | $ 41,520 | $ 26,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 47 | $ 6,372,000 | $ 135,574 | $ 40,000 |
| Pensacola-Ferry Pass-Brent, FL | 47 | $ 6,440,000 | $ 137,021 | $ 38,000 |
| Salinas, CA | 47 | $ 9,447,000 | $ 201,000 | $ 46,000 |
| Longview, WA | 46 | $ 2,654,000 | $ 57,695 | $ 19,000 |
| Salisbury, MD | 46 | $ 2,459,000 | $ 53,456 | $ 26,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 46 | $ 12,496,000 | $ 271,652 | $ 67,000 |
| Bellingham, WA | 45 | $ 4,409,000 | $ 97,977 | $ 30,000 |
| Lake Havasu City-Kingman, AZ | 45 | $ 2,685,000 | $ 59,666 | $ 48,000 |
| South Bend-Mishawaka, IN-MI | 45 | $ 2,466,000 | $ 54,800 | $ 72,577 |
| Birmingham-Hoover, AL | 44 | $ 10,360,000 | $ 235,454 | $ 2,000 |
| Chico, CA | 43 | $ 5,288,000 | $ 122,976 | $ 29,000 |
| Mount Vernon-Anacortes, WA | 42 | $ 3,796,000 | $ 90,380 | $ 22,000 |
| Ocala, FL | 42 | $ 3,160,000 | $ 75,238 | $ 44,000 |
| New Orleans-Metairie-Kenner, LA | 41 | $ 5,808,000 | $ 141,658 | $ 0 |
| Peoria, IL | 41 | $ 2,205,000 | $ 53,780 | $ 42,000 |
| Redding, CA | 41 | $ 4,042,000 | $ 98,585 | $ 38,000 |
| Altoona, PA | 40 | $ 3,206,000 | $ 80,150 | $ 43,000 |
| Gainesville, FL | 40 | $ 3,574,000 | $ 89,350 | $ 28,000 |
| Ocean City, NJ | 40 | $ 7,330,000 | $ 183,250 | $ 78,000 |
| Tallahassee, FL | 40 | $ 5,249,000 | $ 131,225 | $ 46,000 |
| Coeur D'Alene, ID | 39 | $ 4,649,000 | $ 119,205 | $ 31,000 |
| El Paso, TX | 39 | $ 1,632,000 | $ 41,846 | $ 0 |
| Visalia-Porterville, CA | 39 | $ 2,651,000 | $ 67,974 | $ 42,000 |
| Yuba City, CA | 39 | $ 3,335,000 | $ 85,512 | $ 21,000 |
| Fort Walton Beach-Crestview-Destin, FL | 37 | $ 3,858,000 | $ 104,270 | $ 48,000 |
| Green Bay, WI | 37 | $ 2,223,000 | $ 60,081 | $ 17,000 |
| Lebanon, PA | 37 | $ 2,661,000 | $ 71,918 | $ 39,000 |
| Augusta-Richmond County, GA-SC | 36 | $ 3,985,000 | $ 110,694 | $ 77,888 |
| Des Moines-West Des Moines, IA | 36 | $ 1,779,000 | $ 49,416 | $ 5,000 |
| Baton Rouge, LA | 35 | $ 5,090,000 | $ 145,428 | $ 2,000 |
| Kankakee-Bradley, IL | 34 | $ 2,056,000 | $ 60,470 | $ 59,000 |
| Punta Gorda, FL | 34 | $ 3,269,000 | $ 96,147 | $ 34,000 |
| Muncie, IN | 33 | $ 1,600,000 | $ 48,484 | $ 60,000 |
| Napa, CA | 33 | $ 6,492,000 | $ 196,727 | $ 52,000 |
| Niles-Benton Harbor, MI | 33 | $ 3,052,000 | $ 92,484 | $ 41,000 |
| Yuma, AZ | 33 | $ 1,580,000 | $ 47,878 | $ 43,000 |
| Bangor, ME | 32 | $ 1,731,000 | $ 54,093 | $ 24,000 |
| Gainesville, GA | 32 | $ 2,857,000 | $ 89,281 | $ 56,000 |
| Spartanburg, SC | 32 | $ 2,792,000 | $ 87,250 | $ 47,000 |
| Winchester, VA-WV | 32 | $ 1,958,000 | $ 61,187 | $ 30,625 |
| Battle Creek, MI | 31 | $ 2,723,000 | $ 87,838 | $ 45,000 |
| Missoula, MT | 31 | $ 3,788,000 | $ 122,193 | $ 30,000 |
| Panama City-Lynn Haven, FL | 31 | $ 3,915,000 | $ 126,290 | $ 51,000 |
| St. Joseph, MO-KS | 31 | $ 1,539,000 | $ 49,645 | $ 20,709 |
| Farmington, NM | 30 | $ 1,338,000 | $ 44,600 | $ 3,000 |
| Las Cruces, NM | 29 | $ 1,263,000 | $ 43,551 | $ 6,000 |
| Muskegon-Norton Shores, MI | 29 | $ 2,108,000 | $ 72,689 | $ 47,000 |
| Racine, WI | 29 | $ 2,455,000 | $ 84,655 | $ 47,000 |
| Athens-Clarke County, GA | 28 | $ 2,165,000 | $ 77,321 | $ 24,000 |
| Billings, MT | 28 | $ 2,664,000 | $ 95,142 | $ 64,000 |
| Columbus, GA-AL | 28 | $ 2,834,000 | $ 101,214 | $ 42,428 |
| Appleton, WI | 27 | $ 2,273,000 | $ 84,185 | $ 40,000 |
| Grand Junction, CO | 27 | $ 2,634,000 | $ 97,555 | $ 21,000 |
| Morristown, TN | 26 | $ 1,020,000 | $ 39,230 | $ 1,000 |
| Yakima, WA | 26 | $ 1,325,000 | $ 50,961 | $ 25,000 |
| Lewiston-Auburn, ME | 25 | $ 1,474,000 | $ 58,960 | $ 47,000 |
| Merced, CA | 25 | $ 2,375,000 | $ 95,000 | $ 43,000 |
| Rochester, MN | 25 | $ 1,576,000 | $ 63,040 | $ 46,000 |
| Vineland-Millville-Bridgeton, NJ | 25 | $ 1,592,000 | $ 63,680 | $ 47,000 |
| Fayetteville, NC | 24 | $ 2,620,000 | $ 109,166 | $ 61,000 |
| Madera, CA | 24 | $ 1,893,000 | $ 78,875 | $ 38,000 |
| Shreveport-Bossier City, LA | 24 | $ 1,025,000 | $ 42,708 | $ 0 |
| Springfield, OH | 24 | $ 1,698,000 | $ 70,750 | $ 62,000 |
| Corpus Christi, TX | 23 | $ 3,891,000 | $ 169,173 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 23 | $ 934,000 | $ 40,608 | $ 22,173 |
| Kokomo, IN | 23 | $ 1,413,000 | $ 61,434 | $ 43,000 |
| Harrisonburg, VA | 22 | $ 1,510,000 | $ 68,636 | $ 18,000 |
| Sandusky, OH | 22 | $ 1,989,000 | $ 90,409 | $ 63,000 |
| St. Cloud, MN | 22 | $ 1,897,000 | $ 86,227 | $ 37,000 |
| Wenatchee, WA | 22 | $ 1,821,000 | $ 82,772 | $ 52,000 |
| Anniston-Oxford, AL | 21 | $ 641,000 | $ 30,523 | $ 0 |
| Greenville, NC | 21 | $ 1,232,000 | $ 58,666 | $ 39,000 |
| Pueblo, CO | 21 | $ 1,019,000 | $ 48,523 | $ 15,000 |
| Amarillo, TX | 20 | $ 954,000 | $ 47,700 | $ 0 |
| Brunswick, GA | 20 | $ 3,061,000 | $ 153,050 | $ 72,000 |
| Columbia, MO | 20 | $ 1,347,000 | $ 67,350 | $ 47,000 |
| Corvallis, OR | 20 | $ 1,582,000 | $ 79,100 | $ 71,000 |
| Jacksonville, NC | 20 | $ 1,009,000 | $ 50,450 | $ 20,000 |
| Springfield, IL | 20 | $ 1,671,000 | $ 83,550 | $ 84,000 |
| Topeka, KS | 20 | $ 826,000 | $ 41,300 | $ 37,000 |
| Cheyenne, WY | 19 | $ 1,111,000 | $ 58,473 | $ 35,000 |
| Lynchburg, VA | 19 | $ 1,875,000 | $ 98,684 | $ 25,000 |
| Burlington, NC | 18 | $ 1,704,000 | $ 94,666 | $ 47,000 |
| Huntsville, AL | 18 | $ 1,140,000 | $ 63,333 | $ 5,000 |
| Wausau, WI | 18 | $ 1,895,000 | $ 105,277 | $ 39,000 |
| Casper, WY | 17 | $ 861,000 | $ 50,647 | $ 46,000 |
| Jackson, MS | 17 | $ 1,601,000 | $ 94,176 | $ 0 |
| Jefferson City, MO | 17 | $ 975,000 | $ 57,352 | $ 27,000 |
| Macon, GA | 17 | $ 1,530,000 | $ 90,000 | $ 61,000 |
| Lewiston, ID-WA | 16 | $ 816,000 | $ 51,000 | $ 33,000 |
| Mansfield, OH | 16 | $ 1,108,000 | $ 69,250 | $ 47,000 |
| Oshkosh-Neenah, WI | 16 | $ 1,094,000 | $ 68,375 | $ 56,000 |
| Sebastian-Vero Beach, FL | 16 | $ 997,000 | $ 62,312 | $ 44,000 |
| Terre Haute, IN | 16 | $ 1,032,000 | $ 64,500 | $ 53,000 |
| Williamsport, PA | 16 | $ 1,101,000 | $ 68,812 | $ 26,000 |
| Charleston, WV | 15 | $ 918,000 | $ 61,200 | $ 32,000 |
| Johnson City, TN | 15 | $ 1,030,000 | $ 68,666 | $ 5,000 |
| Sioux Falls, SD | 15 | $ 1,174,000 | $ 78,266 | $ 58,000 |
| Bowling Green, KY | 14 | $ 703,000 | $ 50,214 | $ 34,000 |
| Clarksville, TN-KY | 14 | $ 631,000 | $ 45,071 | $ 17,071 |
| Columbus, IN | 14 | $ 1,431,000 | $ 102,214 | $ 85,000 |
| Elkhart-Goshen, IN | 14 | $ 774,000 | $ 55,285 | $ 27,000 |
| Grand Forks, ND-MN | 14 | $ 673,000 | $ 48,071 | $ 40,428 |
| Johnstown, PA | 14 | $ 998,000 | $ 71,285 | $ 47,000 |
| Joplin, MO | 14 | $ 736,000 | $ 52,571 | $ 42,000 |
| Lawrence, KS | 14 | $ 635,000 | $ 45,357 | $ 37,000 |
| Palm Coast, FL | 14 | $ 1,735,000 | $ 123,928 | $ 14,000 |
| Santa Fe, NM | 14 | $ 1,829,000 | $ 130,642 | $ 0 |
| Bay City, MI | 13 | $ 594,000 | $ 45,692 | $ 36,000 |
| Bloomington-Normal, IL | 13 | $ 727,000 | $ 55,923 | $ 61,000 |
| Fond Du Lac, WI | 13 | $ 1,013,000 | $ 77,923 | $ 30,000 |
| Lincoln, NE | 13 | $ 658,000 | $ 50,615 | $ 89,000 |
| Michigan City-La Porte, IN | 13 | $ 542,000 | $ 41,692 | $ 50,000 |
| Mobile, AL | 13 | $ 1,449,000 | $ 111,461 | $ 21,000 |
| Tyler, TX | 13 | $ 1,048,000 | $ 80,615 | $ 0 |
| Carson City, NV | 12 | $ 772,000 | $ 64,333 | $ 40,000 |
| El Centro, CA | 12 | $ 633,000 | $ 52,750 | $ 16,000 |
| Fargo, ND-MN | 12 | $ 620,000 | $ 51,666 | $ 30,416 |
| Killeen-Temple-Fort Hood, TX | 12 | $ 735,000 | $ 61,250 | $ 12,000 |
| Lafayette, LA | 12 | $ 877,000 | $ 73,083 | $ 0 |
| McAllen-Edinburg-Mission, TX | 12 | $ 397,000 | $ 33,083 | $ 0 |
| Warner Robins, GA | 12 | $ 636,000 | $ 53,000 | $ 18,000 |
| Anderson, SC | 11 | $ 1,175,000 | $ 106,818 | $ 62,000 |
| Brownsville-Harlingen, TX | 11 | $ 2,521,000 | $ 229,181 | $ 0 |
| Cumberland, MD-WV | 11 | $ 462,000 | $ 42,000 | $ 27,000 |
| Janesville, WI | 11 | $ 1,136,000 | $ 103,272 | $ 109,000 |
| College Station-Bryan, TX | 10 | $ 381,000 | $ 38,100 | $ 0 |
| Fort Smith, AR-OK | 10 | $ 386,000 | $ 38,600 | $ 62,900 |
| Goldsboro, NC | 10 | $ 663,000 | $ 66,300 | $ 57,000 |
| Hot Springs, AR | 10 | $ 917,000 | $ 91,700 | $ 95,000 |
| Rapid City, SD | 10 | $ 824,000 | $ 82,400 | $ 61,000 |
| Rocky Mount, NC | 10 | $ 582,000 | $ 58,200 | $ 48,000 |
| Sioux City, IA-NE-SD | 10 | $ 367,000 | $ 36,700 | $ 33,800 |
| Sumter, SC | 10 | $ 710,000 | $ 71,000 | $ 32,000 |
| Blacksburg-Christiansburg-Radford, VA | 9 | $ 565,000 | $ 62,777 | $ 43,000 |
| Cleveland, TN | 9 | $ 838,000 | $ 93,111 | $ 53,000 |
| Eau Claire, WI | 9 | $ 570,000 | $ 63,333 | $ 27,000 |
| Great Falls, MT | 9 | $ 408,000 | $ 45,333 | $ 40,000 |
| Lake Charles, LA | 9 | $ 376,000 | $ 41,777 | $ 0 |
| Longview, TX | 9 | $ 332,000 | $ 36,888 | $ 4,000 |
| Monroe, LA | 9 | $ 220,000 | $ 24,444 | $ 0 |
| Parkersburg-Marietta-Vienna, WV-OH | 9 | $ 426,000 | $ 47,333 | $ 31,111 |
| Rome, GA | 9 | $ 402,000 | $ 44,666 | $ 63,000 |
| Weirton-Steubenville, WV-OH | 9 | $ 665,000 | $ 73,888 | $ 49,000 |
| Wichita Falls, TX | 9 | $ 251,000 | $ 27,888 | $ 0 |
| Albany, GA | 8 | $ 358,000 | $ 44,750 | $ 26,000 |
| Bismarck, ND | 8 | $ 444,000 | $ 55,500 | $ 53,000 |
| Dalton, GA | 8 | $ 631,000 | $ 78,875 | $ 60,000 |
| Florence, SC | 8 | $ 439,000 | $ 54,875 | $ 14,000 |
| Jackson, TN | 8 | $ 933,000 | $ 116,625 | $ 9,000 |
| Lima, OH | 8 | $ 402,000 | $ 50,250 | $ 49,000 |
| Montgomery, AL | 8 | $ 1,020,000 | $ 127,500 | $ 15,000 |
| San Angelo, TX | 8 | $ 136,000 | $ 17,000 | $ 0 |
| Tuscaloosa, AL | 8 | $ 877,000 | $ 109,625 | $ 25,000 |
| Cedar Rapids, IA | 7 | $ 199,000 | $ 28,428 | $ 0 |
| Elizabethtown, KY | 7 | $ 369,000 | $ 52,714 | $ 38,000 |
| La Crosse, WI-MN | 7 | $ 282,000 | $ 40,285 | $ 69,000 |
| Lubbock, TX | 7 | $ 187,000 | $ 26,714 | $ 0 |
| Pascagoula, MS | 7 | $ 199,000 | $ 28,428 | $ 0 |
| Sheboygan, WI | 7 | $ 423,000 | $ 60,428 | $ 76,000 |
| Alexandria, LA | 6 | $ 663,000 | $ 110,500 | $ 26,000 |
| Auburn-Opelika, AL | 6 | $ 202,000 | $ 33,666 | $ 0 |
| Hanford-Corcoran, CA | 6 | $ 416,000 | $ 69,333 | $ 32,000 |
| Houma-Bayou Cane-Thibodaux, LA | 6 | $ 184,000 | $ 30,666 | $ 22,000 |
| Jonesboro, AR | 6 | $ 305,000 | $ 50,833 | $ 27,000 |
| Kingsport-Bristol-Bristol, TN-VA | 6 | $ 328,000 | $ 54,666 | $ 38,000 |
| Lawton, OK | 6 | $ 311,000 | $ 51,833 | $ 63,000 |
| Sherman-Denison, TX | 6 | $ 1,192,000 | $ 198,666 | $ 0 |
| Texarkana, Tx-Texarkana, AR | 6 | $ 1,052,000 | $ 175,333 | $ 2,500 |
| Gulfport-Biloxi, MS | 5 | $ 219,000 | $ 43,800 | $ 7,000 |
| Hattiesburg, MS | 5 | $ 276,000 | $ 55,200 | $ 0 |
| Hinesville-Fort Stewart, GA | 5 | $ 208,000 | $ 41,600 | $ 38,000 |
| Morgantown, WV | 5 | $ 843,000 | $ 168,600 | $ 32,000 |
| Waco, TX | 5 | $ 114,000 | $ 22,800 | $ 0 |
| Wheeling, WV-OH | 5 | $ 312,000 | $ 62,400 | $ 45,000 |
| Anchorage, AK | 4 | $ 208,000 | $ 52,000 | $ 0 |
| Danville, IL | 4 | $ 188,000 | $ 47,000 | $ 35,000 |
| Danville, VA | 4 | $ 409,000 | $ 102,250 | $ 65,000 |
| Laredo, TX | 4 | $ 310,000 | $ 77,500 | $ 25,000 |
| Valdosta, GA | 4 | $ 641,000 | $ 160,250 | $ 45,000 |
| Abilene, TX | 3 | $ 99,000 | $ 33,000 | $ 0 |
| Decatur, IL | 3 | $ 109,000 | $ 36,333 | $ 54,000 |
| Midland, TX | 3 | $ 84,000 | $ 28,000 | $ 0 |
| Odessa, TX | 3 | $ 85,000 | $ 28,333 | $ 0 |
| Pine Bluff, AR | 3 | $ 188,000 | $ 62,666 | $ 42,000 |
| Waterloo-Cedar Falls, IA | 3 | $ 111,000 | $ 37,000 | $ 0 |
| Ames, IA | 2 | $ 135,000 | $ 67,500 | $ 0 |
| Beaumont-Port Arthur, TX | 2 | $ 78,000 | $ 39,000 | $ 0 |
| Dubuque, IA | 2 | $ 57,000 | $ 28,500 | $ 0 |
| Iowa City, IA | 2 | $ 53,000 | $ 26,500 | $ 0 |
| Owensboro, KY | 2 | $ 80,000 | $ 40,000 | $ 41,000 |
| Dothan, AL | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Florence-Muscle Shoals, AL | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Victoria, TX | 1 | $ 21,000 | $ 21,000 | $ 0 |
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.
For a list of all lenders in Rhode Island, download the full spreadsheet
with aggregated HMDA statistics today.
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