Rbs Citizens, N.A. Mortgage Lending & HMDA Data, 2008
In 2008, Rbs Citizens, N.A. of Providence, RI reported 60,305 mortgage applications totaling $6.7 billion, down 54% from 2007. The average application was for $110,486, and applicants reported an average income of $88,223. 38% of its applications resulted in an originated loan and 39% were denied. Its largest markets were Providence-New Bedford-Fall River, RI-MA (4,052), Chicago-Naperville-Joliet, IL (3,959) and Boston-Quincy, MA (2,934) (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 | 60,305 |
| Total Mortgage Loan Application Amount | $6,662,869,000 |
| Average Mortgage Loan Application Amount | $110,486 |
| Highest Mortgage Loan Application Amount | $53,000,000 |
| Average Applicant Income | $88,223 |
| 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Act (HMDA) records Rbs Citizens, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Providence-New Bedford-Fall River, RI-MA | 4,052 | $ 569,326,000 | $ 140,504 | $ 85,652 |
| Chicago-Naperville-Joliet, IL | 3,959 | $ 409,214,000 | $ 103,362 | $ 80,000 |
| Boston-Quincy, MA | 2,934 | $ 486,151,000 | $ 165,695 | $ 108,000 |
| Buffalo-Niagara Falls, NY | 2,426 | $ 111,474,000 | $ 45,949 | $ 57,000 |
| Indianapolis-Carmel, IN | 2,101 | $ 77,239,000 | $ 36,762 | $ 58,000 |
| Detroit-Livonia-Dearborn, MI | 1,956 | $ 95,408,000 | $ 48,777 | $ 56,000 |
| Philadelphia, PA | 1,886 | $ 267,640,000 | $ 141,908 | $ 99,000 |
| Cleveland-Elyria-Mentor, OH | 1,786 | $ 123,437,000 | $ 69,113 | $ 62,000 |
| Cambridge-Newton-Framingham, MA | 1,557 | $ 268,539,000 | $ 172,472 | $ 108,000 |
| Rochester, NY | 1,504 | $ 56,023,000 | $ 37,249 | $ 55,000 |
| Warren-Troy-Farmington Hills, MI | 1,409 | $ 124,540,000 | $ 88,388 | $ 76,000 |
| New York-White Plains-Wayne, NY-NJ | 1,217 | $ 301,816,000 | $ 248,000 | $ 126,449 |
| Rockingham County-Strafford County, NH | 1,116 | $ 150,099,000 | $ 134,497 | $ 94,000 |
| Albany-Schenectady-Troy, NY | 1,085 | $ 84,129,000 | $ 77,538 | $ 76,000 |
| Toledo, OH | 1,069 | $ 47,889,000 | $ 44,797 | $ 57,000 |
| Manchester-Nashua, NH | 855 | $ 117,284,000 | $ 137,174 | $ 112,000 |
| Springfield, MA | 798 | $ 61,750,000 | $ 77,380 | $ 75,000 |
| Pittsburgh, PA | 663 | $ 63,950,000 | $ 96,455 | $ 86,000 |
| Nassau-Suffolk, NY | 651 | $ 100,494,000 | $ 154,368 | $ 118,000 |
| Syracuse, NY | 640 | $ 18,286,000 | $ 28,571 | $ 53,000 |
| Hartford-West Hartford-East Hartford, CT | 614 | $ 134,001,000 | $ 218,242 | $ 94,000 |
| New Haven-Milford, CT | 601 | $ 91,454,000 | $ 152,169 | $ 109,000 |
| Wilmington, DE-MD-NJ | 593 | $ 61,033,000 | $ 102,922 | $ 83,984 |
| Peabody, MA | 568 | $ 86,540,000 | $ 152,359 | $ 117,000 |
| Barnstable Town, MA | 550 | $ 107,767,000 | $ 195,940 | $ 122,000 |
| Akron, OH | 533 | $ 33,643,000 | $ 63,120 | $ 68,000 |
| Los Angeles-Long Beach-Glendale, CA | 533 | $ 103,298,000 | $ 193,804 | $ 114,000 |
| Canton-Massillon, OH | 527 | $ 32,615,000 | $ 61,888 | $ 54,000 |
| Norwich-New London, CT | 518 | $ 75,844,000 | $ 146,416 | $ 92,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 508 | $ 108,905,000 | $ 214,379 | $ 146,511 |
| Edison-New Brunswick, NJ | 485 | $ 59,834,000 | $ 123,369 | $ 146,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 463 | $ 52,740,000 | $ 113,909 | $ 96,000 |
| Utica-Rome, NY | 452 | $ 14,089,000 | $ 31,170 | $ 42,000 |
| Newark-Union, NJ-PA | 427 | $ 64,280,000 | $ 150,538 | $ 144,976 |
| Worcester, MA | 411 | $ 49,049,000 | $ 119,340 | $ 97,000 |
| Atlanta-Sandy Springs-Marietta, GA | 379 | $ 49,686,000 | $ 131,097 | $ 122,000 |
| Camden, NJ | 341 | $ 33,336,000 | $ 97,759 | $ 111,000 |
| Baltimore-Towson, MD | 301 | $ 46,090,000 | $ 153,122 | $ 123,000 |
| Dover, DE | 280 | $ 33,607,000 | $ 120,025 | $ 79,000 |
| Binghamton, NY | 276 | $ 16,961,000 | $ 61,452 | $ 43,000 |
| Glens Falls, NY | 276 | $ 17,826,000 | $ 64,586 | $ 62,000 |
| Phoenix-Mesa-Scottsdale, AZ | 268 | $ 48,555,000 | $ 181,175 | $ 149,000 |
| Riverside-San Bernardino-Ontario, CA | 247 | $ 29,505,000 | $ 119,453 | $ 107,000 |
| Columbus, OH | 243 | $ 11,334,000 | $ 46,641 | $ 66,000 |
| Denver-Aurora, CO | 235 | $ 28,549,000 | $ 121,485 | $ 145,000 |
| Burlington-South Burlington, VT | 218 | $ 25,439,000 | $ 116,692 | $ 103,000 |
| Oakland-Fremont-Hayward, CA | 218 | $ 46,448,000 | $ 213,064 | $ 124,000 |
| Santa Ana-Anaheim-Irvine, CA | 212 | $ 43,990,000 | $ 207,500 | $ 176,000 |
| Bridgeport-Stamford-Norwalk, CT | 208 | $ 74,424,000 | $ 357,807 | $ 161,000 |
| Youngstown-Warren-Boardman, OH-PA | 208 | $ 12,991,000 | $ 62,456 | $ 60,269 |
| Portland-Vancouver-Beaverton, OR-WA | 207 | $ 18,650,000 | $ 90,096 | $ 107,086 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 203 | $ 16,582,000 | $ 81,684 | $ 107,704 |
| Seattle-Bellevue-Everett, WA | 197 | $ 24,714,000 | $ 125,451 | $ 142,000 |
| Harrisburg-Carlisle, PA | 189 | $ 34,589,000 | $ 183,010 | $ 71,000 |
| Portland-South Portland-Biddeford, ME | 189 | $ 26,957,000 | $ 142,629 | $ 111,000 |
| San Diego-Carlsbad-San Marcos, CA | 189 | $ 25,505,000 | $ 134,947 | $ 115,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 173 | $ 20,873,000 | $ 120,653 | $ 122,000 |
| Lake County-Kenosha County, IL-WI | 166 | $ 30,677,000 | $ 184,801 | $ 131,987 |
| San Jose-Sunnyvale-Santa Clara, CA | 166 | $ 47,032,000 | $ 283,325 | $ 140,000 |
| Kingston, NY | 164 | $ 14,184,000 | $ 86,487 | $ 66,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 163 | $ 17,107,000 | $ 104,950 | $ 131,576 |
| Anderson, IN | 160 | $ 4,617,000 | $ 28,856 | $ 42,000 |
| Bethesda-Frederick-Gaithersburg, MD | 156 | $ 28,748,000 | $ 184,282 | $ 142,000 |
| Reading, PA | 154 | $ 11,905,000 | $ 77,305 | $ 75,000 |
| San Francisco-San Mateo-Redwood City, CA | 154 | $ 39,408,000 | $ 255,896 | $ 128,000 |
| St. Louis, MO-IL | 144 | $ 10,804,000 | $ 75,027 | $ 99,555 |
| Charlotte-Gastonia-Concord, NC-SC | 137 | $ 16,435,000 | $ 119,963 | $ 122,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 137 | $ 14,486,000 | $ 105,737 | $ 128,072 |
| Cincinnati-Middletown, OH-KY-IN | 133 | $ 12,969,000 | $ 97,511 | $ 92,969 |
| Scranton--Wilkes-Barre, PA | 132 | $ 13,318,000 | $ 100,893 | $ 66,000 |
| Asheville, NC | 128 | $ 18,940,000 | $ 147,968 | $ 88,000 |
| Gary, IN | 128 | $ 4,827,000 | $ 37,710 | $ 59,000 |
| Kansas City, MO-KS | 124 | $ 8,015,000 | $ 64,637 | $ 164,758 |
| Richmond, VA | 120 | $ 13,751,000 | $ 114,591 | $ 101,000 |
| Altoona, PA | 104 | $ 9,093,000 | $ 87,432 | $ 59,000 |
| Milwaukee-Waukesha-West Allis, WI | 99 | $ 6,226,000 | $ 62,888 | $ 117,000 |
| Lancaster, PA | 97 | $ 10,441,000 | $ 107,639 | $ 88,000 |
| Raleigh-Cary, NC | 96 | $ 9,687,000 | $ 100,906 | $ 143,000 |
| Tampa-St. Petersburg-Clearwater, FL | 93 | $ 8,476,000 | $ 91,139 | $ 123,000 |
| Ann Arbor, MI | 92 | $ 11,661,000 | $ 126,750 | $ 92,000 |
| Kalamazoo-Portage, MI | 92 | $ 6,339,000 | $ 68,902 | $ 89,000 |
| Orlando-Kissimmee, FL | 89 | $ 9,054,000 | $ 101,730 | $ 100,000 |
| York-Hanover, PA | 88 | $ 8,529,000 | $ 96,920 | $ 69,000 |
| Salt Lake City, UT | 87 | $ 9,098,000 | $ 104,574 | $ 104,000 |
| Monroe, MI | 83 | $ 5,957,000 | $ 71,771 | $ 72,000 |
| Pittsfield, MA | 81 | $ 8,231,000 | $ 101,617 | $ 80,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 79 | $ 9,107,000 | $ 115,278 | $ 124,000 |
| Bloomington, IN | 78 | $ 2,184,000 | $ 28,000 | $ 39,000 |
| Lafayette, IN | 78 | $ 2,538,000 | $ 32,538 | $ 53,000 |
| Tucson, AZ | 67 | $ 5,851,000 | $ 87,328 | $ 98,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 66 | $ 9,494,000 | $ 143,848 | $ 192,000 |
| Las Vegas-Paradise, NV | 64 | $ 10,540,000 | $ 164,687 | $ 138,000 |
| Ithaca, NY | 60 | $ 2,540,000 | $ 42,333 | $ 147,000 |
| Trenton-Ewing, NJ | 60 | $ 11,763,000 | $ 196,050 | $ 133,000 |
| Lansing-East Lansing, MI | 59 | $ 7,771,000 | $ 131,711 | $ 95,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 57 | $ 7,743,000 | $ 135,842 | $ 120,000 |
| Miami-Miami Beach-Kendall, FL | 56 | $ 7,099,000 | $ 126,767 | $ 130,000 |
| Erie, PA | 54 | $ 4,343,000 | $ 80,425 | $ 57,000 |
| Atlantic City-Hammonton, NJ | 53 | $ 9,917,000 | $ 187,113 | $ 177,000 |
| Fort Wayne, IN | 53 | $ 1,358,000 | $ 25,622 | $ 44,000 |
| Jacksonville, FL | 53 | $ 8,917,000 | $ 168,245 | $ 107,000 |
| Tacoma, WA | 53 | $ 4,534,000 | $ 85,547 | $ 103,000 |
| Colorado Springs, CO | 51 | $ 3,424,000 | $ 67,137 | $ 286,000 |
| Boise City-Nampa, ID | 50 | $ 3,995,000 | $ 79,900 | $ 79,000 |
| Ocean City, NJ | 50 | $ 15,063,000 | $ 301,260 | $ 296,000 |
| Fresno, CA | 46 | $ 4,668,000 | $ 101,478 | $ 88,000 |
| Grand Rapids-Wyoming, MI | 46 | $ 3,797,000 | $ 82,543 | $ 103,000 |
| Boulder, CO | 44 | $ 4,878,000 | $ 110,863 | $ 100,000 |
| Louisville-Jefferson County, KY-IN | 44 | $ 2,749,000 | $ 62,477 | $ 107,181 |
| Dayton, OH | 43 | $ 3,445,000 | $ 80,116 | $ 76,000 |
| Jackson, MI | 43 | $ 1,642,000 | $ 38,186 | $ 40,000 |
| Oklahoma City, OK | 42 | $ 2,206,000 | $ 52,523 | $ 106,000 |
| Omaha-Council Bluffs, NE-IA | 39 | $ 2,282,000 | $ 58,512 | $ 100,000 |
| Durham, NC | 38 | $ 4,254,000 | $ 111,947 | $ 126,000 |
| Saginaw-Saginaw Township North, MI | 38 | $ 1,649,000 | $ 43,394 | $ 61,000 |
| Tulsa, OK | 38 | $ 2,405,000 | $ 63,289 | $ 94,000 |
| Flint, MI | 37 | $ 2,251,000 | $ 60,837 | $ 65,000 |
| Santa Rosa-Petaluma, CA | 37 | $ 4,570,000 | $ 123,513 | $ 147,000 |
| Bakersfield, CA | 36 | $ 2,906,000 | $ 80,722 | $ 107,000 |
| Madison, WI | 36 | $ 4,113,000 | $ 114,250 | $ 168,000 |
| Little Rock-North Little Rock-Conway, AR | 35 | $ 2,411,000 | $ 68,885 | $ 130,000 |
| Reno-Sparks, NV | 35 | $ 6,132,000 | $ 175,200 | $ 130,000 |
| Ogden-Clearfield, UT | 34 | $ 2,900,000 | $ 85,294 | $ 83,000 |
| Salem, OR | 34 | $ 3,269,000 | $ 96,147 | $ 77,000 |
| Bradenton-Sarasota-Venice, FL | 31 | $ 3,542,000 | $ 114,258 | $ 86,000 |
| Greensboro-High Point, NC | 31 | $ 2,127,000 | $ 68,612 | $ 114,000 |
| Provo-Orem, UT | 30 | $ 2,891,000 | $ 96,366 | $ 92,000 |
| San Luis Obispo-Paso Robles, CA | 30 | $ 3,717,000 | $ 123,900 | $ 105,000 |
| Stockton, CA | 29 | $ 2,929,000 | $ 101,000 | $ 108,000 |
| Salinas, CA | 28 | $ 3,433,000 | $ 122,607 | $ 98,000 |
| Vallejo-Fairfield, CA | 28 | $ 2,803,000 | $ 100,107 | $ 115,000 |
| Elmira, NY | 26 | $ 709,000 | $ 27,269 | $ 49,000 |
| Fort Collins-Loveland, CO | 26 | $ 1,529,000 | $ 58,807 | $ 99,000 |
| Houston-Sugar Land-Baytown, TX | 25 | $ 6,309,000 | $ 252,360 | $ 53,000 |
| Kankakee-Bradley, IL | 25 | $ 2,152,000 | $ 86,080 | $ 75,000 |
| Olympia, WA | 25 | $ 2,036,000 | $ 81,440 | $ 84,000 |
| Roanoke, VA | 24 | $ 2,575,000 | $ 107,291 | $ 116,000 |
| Rockford, IL | 24 | $ 1,739,000 | $ 72,458 | $ 87,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 24 | $ 4,134,000 | $ 172,250 | $ 95,000 |
| Spokane, WA | 24 | $ 1,848,000 | $ 77,000 | $ 72,000 |
| Wilmington, NC | 24 | $ 2,499,000 | $ 104,125 | $ 87,000 |
| Cape Coral-Fort Myers, FL | 23 | $ 4,147,000 | $ 180,304 | $ 189,000 |
| Naples-Marco Island, FL | 23 | $ 5,883,000 | $ 255,782 | $ 185,000 |
| State College, PA | 23 | $ 2,940,000 | $ 127,826 | $ 152,000 |
| Visalia-Porterville, CA | 23 | $ 1,700,000 | $ 73,913 | $ 124,000 |
| Charlottesville, VA | 22 | $ 2,459,000 | $ 111,772 | $ 95,000 |
| Chico, CA | 22 | $ 1,426,000 | $ 64,818 | $ 88,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 22 | $ 1,258,000 | $ 57,181 | $ 88,000 |
| Palm Bay-Melbourne-Titusville, FL | 21 | $ 2,038,000 | $ 97,047 | $ 103,000 |
| Vineland-Millville-Bridgeton, NJ | 21 | $ 1,551,000 | $ 73,857 | $ 100,000 |
| Bend, OR | 20 | $ 3,133,000 | $ 156,650 | $ 144,000 |
| Eugene-Springfield, OR | 20 | $ 1,256,000 | $ 62,800 | $ 77,000 |
| Huntington-Ashland, WV-KY-OH | 20 | $ 900,000 | $ 45,000 | $ 70,100 |
| Port St. Lucie, FL | 20 | $ 1,633,000 | $ 81,650 | $ 115,000 |
| Wichita, KS | 20 | $ 981,000 | $ 49,050 | $ 88,000 |
| Medford, OR | 19 | $ 1,744,000 | $ 91,789 | $ 73,000 |
| Winston-Salem, NC | 19 | $ 1,497,000 | $ 78,789 | $ 85,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 18 | $ 1,963,000 | $ 109,055 | $ 92,000 |
| Modesto, CA | 18 | $ 1,418,000 | $ 78,777 | $ 105,000 |
| Billings, MT | 17 | $ 1,266,000 | $ 74,470 | $ 61,000 |
| Duluth, MN-WI | 17 | $ 1,104,000 | $ 64,941 | $ 82,117 |
| Redding, CA | 17 | $ 1,011,000 | $ 59,470 | $ 92,000 |
| Fayetteville, NC | 16 | $ 938,000 | $ 58,625 | $ 73,000 |
| Lexington-Fayette, KY | 16 | $ 1,781,000 | $ 111,312 | $ 101,000 |
| Lynchburg, VA | 16 | $ 1,096,000 | $ 68,500 | $ 86,000 |
| Prescott, AZ | 16 | $ 1,341,000 | $ 83,812 | $ 57,000 |
| Bremerton-Silverdale, WA | 15 | $ 962,000 | $ 64,133 | $ 99,000 |
| Greeley, CO | 15 | $ 790,000 | $ 52,666 | $ 92,000 |
| Savannah, GA | 15 | $ 1,812,000 | $ 120,800 | $ 167,000 |
| Bellingham, WA | 14 | $ 1,303,000 | $ 93,071 | $ 78,000 |
| Lakeland-Winter Haven, FL | 14 | $ 1,342,000 | $ 95,857 | $ 74,000 |
| Muncie, IN | 14 | $ 769,000 | $ 54,928 | $ 54,000 |
| Pensacola-Ferry Pass-Brent, FL | 14 | $ 1,776,000 | $ 126,857 | $ 106,000 |
| Springfield, MO | 14 | $ 524,000 | $ 37,428 | $ 51,000 |
| Winchester, VA-WV | 14 | $ 800,000 | $ 57,142 | $ 90,000 |
| Augusta-Richmond County, GA-SC | 13 | $ 1,447,000 | $ 111,307 | $ 107,076 |
| Ocala, FL | 13 | $ 1,022,000 | $ 78,615 | $ 58,000 |
| South Bend-Mishawaka, IN-MI | 13 | $ 636,000 | $ 48,923 | $ 101,384 |
| St. George, UT | 13 | $ 1,967,000 | $ 151,307 | $ 105,000 |
| Terre Haute, IN | 13 | $ 391,000 | $ 30,076 | $ 43,000 |
| Bangor, ME | 12 | $ 1,051,000 | $ 87,583 | $ 68,000 |
| Fort Walton Beach-Crestview-Destin, FL | 12 | $ 1,193,000 | $ 99,416 | $ 73,000 |
| Hagerstown-Martinsburg, MD-WV | 12 | $ 752,000 | $ 62,666 | $ 80,000 |
| Hickory-Lenoir-Morganton, NC | 12 | $ 1,246,000 | $ 103,833 | $ 79,000 |
| Holland-Grand Haven, MI | 12 | $ 934,000 | $ 77,833 | $ 87,000 |
| Jacksonville, NC | 12 | $ 792,000 | $ 66,000 | $ 53,000 |
| Lake Havasu City-Kingman, AZ | 12 | $ 936,000 | $ 78,000 | $ 64,000 |
| Lebanon, PA | 12 | $ 782,000 | $ 65,166 | $ 64,000 |
| Lincoln, NE | 12 | $ 610,000 | $ 50,833 | $ 71,000 |
| Racine, WI | 12 | $ 678,000 | $ 56,500 | $ 80,000 |
| Yakima, WA | 12 | $ 1,216,000 | $ 101,333 | $ 99,000 |
| Yuma, AZ | 12 | $ 819,000 | $ 68,250 | $ 75,000 |
| Columbus, IN | 11 | $ 292,000 | $ 26,545 | $ 50,000 |
| Dallas-Plano-Irving, TX | 11 | $ 5,048,000 | $ 458,909 | $ 188,000 |
| Flagstaff, AZ | 11 | $ 967,000 | $ 87,909 | $ 50,000 |
| Idaho Falls, ID | 11 | $ 521,000 | $ 47,363 | $ 57,000 |
| Macon, GA | 11 | $ 481,000 | $ 43,727 | $ 77,000 |
| Santa Cruz-Watsonville, CA | 11 | $ 2,569,000 | $ 233,545 | $ 104,000 |
| Sioux Falls, SD | 11 | $ 524,000 | $ 47,636 | $ 64,000 |
| Gainesville, FL | 10 | $ 600,000 | $ 60,000 | $ 77,000 |
| Johnstown, PA | 10 | $ 671,000 | $ 67,100 | $ 80,000 |
| Missoula, MT | 10 | $ 545,000 | $ 54,500 | $ 77,000 |
| Mount Vernon-Anacortes, WA | 10 | $ 1,282,000 | $ 128,200 | $ 86,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 10 | $ 1,996,000 | $ 199,600 | $ 117,000 |
| Peoria, IL | 10 | $ 448,000 | $ 44,800 | $ 85,000 |
| Appleton, WI | 9 | $ 398,000 | $ 44,222 | $ 73,000 |
| Fargo, ND-MN | 9 | $ 377,000 | $ 41,888 | $ 87,000 |
| Hanford-Corcoran, CA | 9 | $ 474,000 | $ 52,666 | $ 93,000 |
| Lewiston-Auburn, ME | 9 | $ 609,000 | $ 67,666 | $ 74,000 |
| Madera, CA | 9 | $ 1,286,000 | $ 142,888 | $ 118,000 |
| Niles-Benton Harbor, MI | 9 | $ 1,434,000 | $ 159,333 | $ 183,000 |
| Wenatchee, WA | 9 | $ 774,000 | $ 86,000 | $ 87,000 |
| Bloomington-Normal, IL | 8 | $ 362,000 | $ 45,250 | $ 79,000 |
| Cheyenne, WY | 8 | $ 368,000 | $ 46,000 | $ 89,000 |
| Columbia, MO | 8 | $ 477,000 | $ 59,625 | $ 93,000 |
| Davenport-Moline-Rock Island, IA-IL | 8 | $ 566,000 | $ 70,750 | $ 82,250 |
| Evansville, IN-KY | 8 | $ 341,000 | $ 42,625 | $ 33,625 |
| Fort Worth-Arlington, TX | 8 | $ 2,121,000 | $ 265,125 | $ 148,000 |
| Janesville, WI | 8 | $ 339,000 | $ 42,375 | $ 76,000 |
| Kennewick-Pasco-Richland, WA | 8 | $ 378,000 | $ 47,250 | $ 109,000 |
| La Crosse, WI-MN | 8 | $ 282,000 | $ 35,250 | $ 66,250 |
| Michigan City-La Porte, IN | 8 | $ 347,000 | $ 43,375 | $ 75,000 |
| Muskegon-Norton Shores, MI | 8 | $ 567,000 | $ 70,875 | $ 92,000 |
| Punta Gorda, FL | 8 | $ 1,219,000 | $ 152,375 | $ 132,000 |
| Salisbury, MD | 8 | $ 715,000 | $ 89,375 | $ 79,000 |
| Tallahassee, FL | 8 | $ 447,000 | $ 55,875 | $ 77,000 |
| Topeka, KS | 8 | $ 458,000 | $ 57,250 | $ 122,000 |
| Williamsport, PA | 8 | $ 547,000 | $ 68,375 | $ 79,000 |
| Blacksburg-Christiansburg-Radford, VA | 7 | $ 736,000 | $ 105,142 | $ 279,000 |
| Brunswick, GA | 7 | $ 2,410,000 | $ 344,285 | $ 168,000 |
| Champaign-Urbana, IL | 7 | $ 326,000 | $ 46,571 | $ 165,000 |
| Charleston-North Charleston-Summerville, SC | 7 | $ 3,064,000 | $ 437,714 | $ 531,000 |
| Coeur D'Alene, ID | 7 | $ 694,000 | $ 99,142 | $ 74,000 |
| Corvallis, OR | 7 | $ 957,000 | $ 136,714 | $ 68,000 |
| Memphis, TN-MS-AR | 7 | $ 895,000 | $ 127,857 | $ 135,714 |
| Merced, CA | 7 | $ 766,000 | $ 109,428 | $ 68,000 |
| Pueblo, CO | 7 | $ 230,000 | $ 32,857 | $ 55,000 |
| Sandusky, OH | 7 | $ 400,000 | $ 57,142 | $ 62,000 |
| Yuba City, CA | 7 | $ 462,000 | $ 66,000 | $ 86,000 |
| Battle Creek, MI | 6 | $ 381,000 | $ 63,500 | $ 73,000 |
| Bismarck, ND | 6 | $ 349,000 | $ 58,166 | $ 80,000 |
| Casper, WY | 6 | $ 426,000 | $ 71,000 | $ 72,000 |
| Columbus, GA-AL | 6 | $ 372,000 | $ 62,000 | $ 99,000 |
| Eau Claire, WI | 6 | $ 350,000 | $ 58,333 | $ 67,000 |
| El Centro, CA | 6 | $ 381,000 | $ 63,500 | $ 98,000 |
| Elkhart-Goshen, IN | 6 | $ 292,000 | $ 48,666 | $ 63,000 |
| Fort Smith, AR-OK | 6 | $ 361,000 | $ 60,166 | $ 124,166 |
| Gainesville, GA | 6 | $ 362,000 | $ 60,333 | $ 63,000 |
| Grand Junction, CO | 6 | $ 312,000 | $ 52,000 | $ 69,000 |
| Green Bay, WI | 6 | $ 940,000 | $ 156,666 | $ 160,000 |
| Hot Springs, AR | 6 | $ 364,000 | $ 60,666 | $ 63,000 |
| Rapid City, SD | 6 | $ 393,000 | $ 65,500 | $ 98,000 |
| Santa Fe, NM | 6 | $ 2,328,000 | $ 388,000 | $ 54,000 |
| Athens-Clarke County, GA | 5 | $ 378,000 | $ 75,600 | $ 161,000 |
| Birmingham-Hoover, AL | 5 | $ 669,000 | $ 133,800 | $ 64,000 |
| Carson City, NV | 5 | $ 405,000 | $ 81,000 | $ 91,000 |
| Dalton, GA | 5 | $ 464,000 | $ 92,800 | $ 83,000 |
| Elizabethtown, KY | 5 | $ 442,000 | $ 88,400 | $ 73,000 |
| Harrisonburg, VA | 5 | $ 374,000 | $ 74,800 | $ 37,000 |
| Kokomo, IN | 5 | $ 114,000 | $ 22,800 | $ 66,000 |
| Logan, UT-ID | 5 | $ 628,000 | $ 125,600 | $ 49,000 |
| Napa, CA | 5 | $ 862,000 | $ 172,400 | $ 61,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 980,000 | $ 196,000 | $ 86,000 |
| Palm Coast, FL | 5 | $ 1,169,000 | $ 233,800 | $ 123,000 |
| Sebastian-Vero Beach, FL | 5 | $ 501,000 | $ 100,200 | $ 118,000 |
| Sheboygan, WI | 5 | $ 200,000 | $ 40,000 | $ 84,000 |
| Springfield, IL | 5 | $ 230,000 | $ 46,000 | $ 108,000 |
| Springfield, OH | 5 | $ 266,000 | $ 53,200 | $ 47,000 |
| St. Joseph, MO-KS | 5 | $ 288,000 | $ 57,600 | $ 71,000 |
| Austin-Round Rock, TX | 4 | $ 2,094,000 | $ 523,500 | $ 167,000 |
| Great Falls, MT | 4 | $ 652,000 | $ 163,000 | $ 36,000 |
| Hinesville-Fort Stewart, GA | 4 | $ 270,000 | $ 67,500 | $ 62,000 |
| Joplin, MO | 4 | $ 295,000 | $ 73,750 | $ 82,000 |
| Kingsport-Bristol-Bristol, TN-VA | 4 | $ 420,000 | $ 105,000 | $ 90,000 |
| Longview, WA | 4 | $ 187,000 | $ 46,750 | $ 74,000 |
| Mansfield, OH | 4 | $ 174,000 | $ 43,500 | $ 67,000 |
| Rochester, MN | 4 | $ 441,000 | $ 110,250 | $ 109,000 |
| Sioux City, IA-NE-SD | 4 | $ 194,000 | $ 48,500 | $ 69,500 |
| Weirton-Steubenville, WV-OH | 4 | $ 295,000 | $ 73,750 | $ 64,500 |
| Albany, GA | 3 | $ 165,000 | $ 55,000 | $ 60,000 |
| Burlington, NC | 3 | $ 330,000 | $ 110,000 | $ 88,000 |
| Chattanooga, TN-GA | 3 | $ 128,000 | $ 42,666 | $ 107,000 |
| Clarksville, TN-KY | 3 | $ 214,000 | $ 71,333 | $ 21,666 |
| Cumberland, MD-WV | 3 | $ 149,000 | $ 49,666 | $ 87,000 |
| Danville, VA | 3 | $ 110,000 | $ 36,666 | $ 61,000 |
| Goldsboro, NC | 3 | $ 140,000 | $ 46,666 | $ 54,000 |
| Jackson, MS | 3 | $ 465,000 | $ 155,000 | $ 101,000 |
| Jefferson City, MO | 3 | $ 203,000 | $ 67,666 | $ 56,000 |
| Jonesboro, AR | 3 | $ 110,000 | $ 36,666 | $ 222,000 |
| Lawrence, KS | 3 | $ 126,000 | $ 42,000 | $ 70,000 |
| Lima, OH | 3 | $ 92,000 | $ 30,666 | $ 1,107,000 |
| New Orleans-Metairie-Kenner, LA | 3 | $ 300,000 | $ 100,000 | $ 192,000 |
| Panama City-Lynn Haven, FL | 3 | $ 341,000 | $ 113,666 | $ 58,000 |
| San Antonio, TX | 3 | $ 658,000 | $ 219,333 | $ 118,000 |
| Warner Robins, GA | 3 | $ 79,000 | $ 26,333 | $ 114,000 |
| Wausau, WI | 3 | $ 106,000 | $ 35,333 | $ 70,000 |
| Baton Rouge, LA | 2 | $ 648,000 | $ 324,000 | $ 193,000 |
| Bowling Green, KY | 2 | $ 103,000 | $ 51,500 | $ 104,000 |
| Danville, IL | 2 | $ 69,000 | $ 34,500 | $ 30,000 |
| Des Moines-West Des Moines, IA | 2 | $ 60,000 | $ 30,000 | $ 44,000 |
| Fond Du Lac, WI | 2 | $ 57,000 | $ 28,500 | $ 91,000 |
| Gadsden, AL | 2 | $ 317,000 | $ 158,500 | $ 49,000 |
| Greenville-Mauldin-Easley, SC | 2 | $ 267,000 | $ 133,500 | $ 38,000 |
| Knoxville, TN | 2 | $ 993,000 | $ 496,500 | $ 94,000 |
| Lawton, OK | 2 | $ 126,000 | $ 63,000 | $ 99,000 |
| Lewiston, ID-WA | 2 | $ 105,000 | $ 52,500 | $ 72,500 |
| Pine Bluff, AR | 2 | $ 123,000 | $ 61,500 | $ 114,000 |
| St. Cloud, MN | 2 | $ 117,000 | $ 58,500 | $ 113,000 |
| Wheeling, WV-OH | 2 | $ 75,000 | $ 37,500 | $ 65,000 |
| Abilene, TX | 1 | $ 10,000 | $ 10,000 | $ 31,000 |
| Albuquerque, NM | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Alexandria, LA | 1 | $ 92,000 | $ 92,000 | $ 87,000 |
| Bay City, MI | 1 | $ 40,000 | $ 40,000 | $ 30,000 |
| Cleveland, TN | 1 | $ 75,000 | $ 75,000 | $ 47,000 |
| Decatur, AL | 1 | $ 140,000 | $ 140,000 | $ 195,000 |
| El Paso, TX | 1 | $ 10,000 | $ 10,000 | $ 40,000 |
| Farmington, NM | 1 | $ 125,000 | $ 125,000 | $ 100,000 |
| Grand Forks, ND-MN | 1 | $ 62,000 | $ 62,000 | $ 92,000 |
| Greenville, NC | 1 | $ 35,000 | $ 35,000 | $ 21,000 |
| Honolulu, HI | 1 | $ 113,000 | $ 113,000 | $ 73,000 |
| Jackson, TN | 1 | $ 189,000 | $ 189,000 | $ 63,000 |
| Lake Charles, LA | 1 | $ 64,000 | $ 64,000 | $ 50,000 |
| Mobile, AL | 1 | $ 20,000 | $ 20,000 | $ 24,000 |
| Morristown, TN | 1 | $ 144,000 | $ 144,000 | $ 65,000 |
| Oshkosh-Neenah, WI | 1 | $ 30,000 | $ 30,000 | $ 41,000 |
| Owensboro, KY | 1 | $ 42,000 | $ 42,000 | $ 82,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 50,000 | $ 50,000 | $ 62,000 |
| Rome, GA | 1 | $ 30,000 | $ 30,000 | $ 24,000 |
| Spartanburg, SC | 1 | $ 45,000 | $ 45,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for Rbs Citizens, N.A. in 2008
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 | 25,932 | $1,074,393,000 | $41,000 | $8,500,000 | $77,000 | $9,999,000 |
| Refinancing | 23,776 | $3,477,146,000 | $146,000 | $53,000,000 | $97,000 | $9,999,000 |
| Home Purchase | 10,597 | $2,111,330,000 | $199,000 | $11,088,000 | $96,000 | $6,285,000 |
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 | 37,699 | $3,829,600,000 | $101,000 | $11,088,000 | $89,000 | $9,999,000 |
| Not Provided | 11,417 | $1,507,621,000 | $132,000 | $7,150,000 | $108,000 | $9,999,000 |
| Black or African American | 4,905 | $301,709,000 | $61,000 | $3,500,000 | $57,000 | $4,073,000 |
| Hispanic | 3,394 | $264,022,000 | $77,000 | $3,200,000 | $66,000 | $2,662,000 |
| Asian | 1,631 | $260,039,000 | $159,000 | $1,285,000 | $109,000 | $2,544,000 |
| Not applicable | 880 | $467,747,000 | $531,000 | $53,000,000 | $18,000 | $9,999,000 |
| American Indian or Alaskan Native | 231 | $19,266,000 | $83,000 | $900,000 | $78,000 | $795,000 |
| Native Hawaiian or Other Pacific Islander | 148 | $12,865,000 | $86,000 | $827,000 | $73,000 | $450,000 |
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) | 57,552 | $6,208,126,000 | $107,000 | $53,000,000 | $90,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 2,554 | $418,001,000 | $163,000 | $619,000 | $63,000 | $485,000 |
| VA-guaranteed (Veterans Administration) | 199 | $36,742,000 | $184,000 | $417,000 | $65,000 | $250,000 |
| 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 | 23,286 | $1,727,715,000 | $74,000 | $3,900,000 | $70,000 | $7,539,000 |
| Loan Originated | 23,121 | $2,905,135,000 | $125,000 | $11,088,000 | $92,000 | $9,999,000 |
| File Closed For Incompleteness | 7,732 | $713,654,000 | $92,000 | $1,750,000 | $133,000 | $9,999,000 |
| Application Approved But Not Accepted | 2,765 | $401,166,000 | $145,000 | $4,000,000 | $98,000 | $3,375,000 |
| Application Withdrawn By Applicant | 2,188 | $530,888,000 | $242,000 | $53,000,000 | $117,000 | $9,000,000 |
| Loan Purchased By The Institution | 816 | $323,915,000 | $396,000 | $1,474,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 397 | $60,396,000 | $152,000 | $650,000 | $54,000 | $364,000 |
| 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 | 9,599 | $684,270,000 | $71,000 | $3,200,000 | $56,000 | $6,000,000 |
| Credit History | 6,436 | $382,777,000 | $59,000 | $3,900,000 | $67,000 | $5,400,000 |
| Collateral | 3,850 | $459,333,000 | $119,000 | $2,100,000 | $94,000 | $2,040,000 |
| Other | 2,160 | $94,273,000 | $43,000 | $1,000,000 | $93,000 | $7,539,000 |
| Unverifiable Information | 808 | $38,543,000 | $47,000 | $1,750,000 | $62,000 | $1,500,000 |
| Credit Application Incomplete | 579 | $93,327,000 | $161,000 | $1,270,000 | $92,000 | $2,213,000 |
| Employment History | 121 | $8,722,000 | $72,000 | $578,000 | $73,000 | $1,440,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 117 | $24,849,000 | $212,000 | $1,875,000 | $94,000 | $602,000 |
| Mortgage Insurance Denied | 13 | $2,017,000 | $155,000 | $306,000 | $78,000 | $125,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Rbs Citizens, N.A.'s 2008 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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