Rbs Citizens, N.A. Mortgage Lending & HMDA Data, 2009
In 2009, Rbs Citizens, N.A. of Providence, RI reported 56,231 mortgage applications totaling $9.1 billion, down 7% from 2008. The average application was for $162,071, and applicants reported an average income of $94,839. 56% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Providence-New Bedford-Fall River, RI-MA (5,992), Chicago-Naperville-Joliet, IL (4,430) and Boston-Quincy, MA (4,023) (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 | 56,231 |
| Total Mortgage Loan Application Amount | $9,113,426,000 |
| Average Mortgage Loan Application Amount | $162,071 |
| Highest Mortgage Loan Application Amount | $6,492,000 |
| Average Applicant Income | $94,839 |
| Highest Applicant Income | $8,264,000 |
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Act (HMDA) records Rbs Citizens, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 5,992 | $ 1,094,121,000 | $ 182,596 | $ 91,672 |
| Chicago-Naperville-Joliet, IL | 4,430 | $ 692,411,000 | $ 156,300 | $ 88,000 |
| Boston-Quincy, MA | 4,023 | $ 904,145,000 | $ 224,743 | $ 114,000 |
| Philadelphia, PA | 3,775 | $ 785,631,000 | $ 208,114 | $ 112,000 |
| Cambridge-Newton-Framingham, MA | 2,767 | $ 706,393,000 | $ 255,292 | $ 132,000 |
| Buffalo-Niagara Falls, NY | 2,179 | $ 155,135,000 | $ 71,195 | $ 59,000 |
| Cleveland-Elyria-Mentor, OH | 2,165 | $ 194,634,000 | $ 89,900 | $ 67,000 |
| Warren-Troy-Farmington Hills, MI | 1,810 | $ 216,094,000 | $ 119,388 | $ 84,000 |
| Detroit-Livonia-Dearborn, MI | 1,730 | $ 99,814,000 | $ 57,695 | $ 55,000 |
| Rockingham County-Strafford County, NH | 1,665 | $ 305,754,000 | $ 183,636 | $ 96,000 |
| Rochester, NY | 1,329 | $ 84,582,000 | $ 63,643 | $ 61,000 |
| Pittsburgh, PA | 1,243 | $ 168,997,000 | $ 135,958 | $ 89,000 |
| Manchester-Nashua, NH | 1,042 | $ 170,791,000 | $ 163,906 | $ 101,000 |
| Toledo, OH | 982 | $ 60,689,000 | $ 61,801 | $ 59,000 |
| Barnstable Town, MA | 856 | $ 194,970,000 | $ 227,768 | $ 117,000 |
| Peabody, MA | 771 | $ 171,494,000 | $ 222,430 | $ 122,000 |
| Albany-Schenectady-Troy, NY | 756 | $ 97,429,000 | $ 128,874 | $ 79,000 |
| Hartford-West Hartford-East Hartford, CT | 735 | $ 126,870,000 | $ 172,612 | $ 99,000 |
| Akron, OH | 721 | $ 59,208,000 | $ 82,119 | $ 64,000 |
| New Haven-Milford, CT | 700 | $ 145,726,000 | $ 208,180 | $ 115,000 |
| New York-White Plains-Wayne, NY-NJ | 644 | $ 202,070,000 | $ 313,773 | $ 153,509 |
| Springfield, MA | 629 | $ 80,028,000 | $ 127,230 | $ 83,000 |
| Norwich-New London, CT | 621 | $ 119,304,000 | $ 192,115 | $ 103,000 |
| Wilmington, DE-MD-NJ | 573 | $ 107,452,000 | $ 187,525 | $ 98,172 |
| Canton-Massillon, OH | 516 | $ 34,166,000 | $ 66,213 | $ 52,000 |
| Worcester, MA | 440 | $ 83,903,000 | $ 190,688 | $ 101,000 |
| Syracuse, NY | 382 | $ 14,666,000 | $ 38,392 | $ 50,000 |
| Harrisburg-Carlisle, PA | 356 | $ 51,767,000 | $ 145,412 | $ 78,000 |
| Camden, NJ | 352 | $ 70,900,000 | $ 201,420 | $ 137,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 351 | $ 51,458,000 | $ 146,603 | $ 82,000 |
| Scranton--Wilkes-Barre, PA | 301 | $ 42,957,000 | $ 142,714 | $ 84,000 |
| Indianapolis-Carmel, IN | 299 | $ 31,409,000 | $ 105,046 | $ 81,000 |
| Burlington-South Burlington, VT | 278 | $ 55,259,000 | $ 198,773 | $ 128,000 |
| Columbus, OH | 272 | $ 17,261,000 | $ 63,459 | $ 61,000 |
| Reading, PA | 267 | $ 34,020,000 | $ 127,415 | $ 73,000 |
| Utica-Rome, NY | 257 | $ 9,046,000 | $ 35,198 | $ 49,000 |
| Nassau-Suffolk, NY | 255 | $ 55,266,000 | $ 216,729 | $ 190,000 |
| Newark-Union, NJ-PA | 224 | $ 45,928,000 | $ 205,035 | $ 116,642 |
| Lake County-Kenosha County, IL-WI | 223 | $ 56,835,000 | $ 254,865 | $ 125,964 |
| Youngstown-Warren-Boardman, OH-PA | 219 | $ 18,482,000 | $ 84,392 | $ 68,136 |
| Lancaster, PA | 213 | $ 33,690,000 | $ 158,169 | $ 77,000 |
| Portland-South Portland-Biddeford, ME | 213 | $ 43,020,000 | $ 201,971 | $ 117,000 |
| Edison-New Brunswick, NJ | 212 | $ 51,267,000 | $ 241,825 | $ 178,000 |
| Binghamton, NY | 209 | $ 9,388,000 | $ 44,918 | $ 46,000 |
| Dover, DE | 177 | $ 25,884,000 | $ 146,237 | $ 87,000 |
| York-Hanover, PA | 167 | $ 22,742,000 | $ 136,179 | $ 79,000 |
| Glens Falls, NY | 162 | $ 19,349,000 | $ 119,438 | $ 71,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 148 | $ 54,989,000 | $ 371,547 | $ 188,425 |
| Ocean City, NJ | 137 | $ 55,257,000 | $ 403,335 | $ 280,000 |
| Altoona, PA | 126 | $ 12,945,000 | $ 102,738 | $ 59,000 |
| Lansing-East Lansing, MI | 126 | $ 18,298,000 | $ 145,222 | $ 109,000 |
| Ann Arbor, MI | 120 | $ 19,804,000 | $ 165,033 | $ 84,000 |
| Erie, PA | 114 | $ 13,315,000 | $ 116,798 | $ 82,000 |
| Kalamazoo-Portage, MI | 113 | $ 13,823,000 | $ 122,327 | $ 84,000 |
| Kingston, NY | 108 | $ 16,713,000 | $ 154,750 | $ 79,000 |
| Baltimore-Towson, MD | 106 | $ 35,117,000 | $ 331,292 | $ 159,000 |
| Bridgeport-Stamford-Norwalk, CT | 102 | $ 36,201,000 | $ 354,911 | $ 161,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 95 | $ 16,480,000 | $ 173,473 | $ 105,610 |
| Asheville, NC | 88 | $ 17,875,000 | $ 203,125 | $ 78,000 |
| Monroe, MI | 86 | $ 7,801,000 | $ 90,709 | $ 69,000 |
| State College, PA | 79 | $ 14,143,000 | $ 179,025 | $ 96,000 |
| Cincinnati-Middletown, OH-KY-IN | 68 | $ 11,337,000 | $ 166,720 | $ 90,941 |
| Pittsfield, MA | 65 | $ 10,514,000 | $ 161,753 | $ 87,000 |
| Dayton, OH | 62 | $ 1,214,000 | $ 19,580 | $ 40,000 |
| Atlanta-Sandy Springs-Marietta, GA | 61 | $ 11,558,000 | $ 189,475 | $ 94,000 |
| Gary, IN | 59 | $ 5,773,000 | $ 97,847 | $ 55,000 |
| Atlantic City-Hammonton, NJ | 48 | $ 13,340,000 | $ 277,916 | $ 215,000 |
| Phoenix-Mesa-Scottsdale, AZ | 46 | $ 16,233,000 | $ 352,891 | $ 155,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 42 | $ 8,898,000 | $ 211,857 | $ 109,619 |
| Bethesda-Frederick-Rockville, MD | 41 | $ 14,703,000 | $ 358,609 | $ 153,000 |
| Charlotte-Gastonia-Concord, NC-SC | 41 | $ 17,128,000 | $ 417,756 | $ 145,365 |
| Los Angeles-Long Beach-Glendale, CA | 40 | $ 11,458,000 | $ 286,450 | $ 165,000 |
| Flint, MI | 39 | $ 3,329,000 | $ 85,358 | $ 54,000 |
| Saginaw-Saginaw Township North, MI | 36 | $ 2,677,000 | $ 74,361 | $ 60,000 |
| Lebanon, PA | 35 | $ 5,067,000 | $ 144,771 | $ 77,000 |
| Trenton-Ewing, NJ | 35 | $ 10,997,000 | $ 314,200 | $ 137,000 |
| Raleigh-Cary, NC | 31 | $ 10,818,000 | $ 348,967 | $ 135,000 |
| Richmond, VA | 29 | $ 6,391,000 | $ 220,379 | $ 99,000 |
| St. Louis, MO-IL | 26 | $ 4,248,000 | $ 163,384 | $ 103,384 |
| Grand Rapids-Wyoming, MI | 25 | $ 3,491,000 | $ 139,640 | $ 82,000 |
| Ithaca, NY | 25 | $ 871,000 | $ 34,840 | $ 40,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 24 | $ 4,873,000 | $ 203,041 | $ 165,000 |
| Denver-Aurora-Broomfield, CO | 23 | $ 6,017,000 | $ 261,608 | $ 117,000 |
| Huntington-Ashland, WV-KY-OH | 23 | $ 2,387,000 | $ 103,782 | $ 91,173 |
| Tampa-St. Petersburg-Clearwater, FL | 23 | $ 2,772,000 | $ 120,521 | $ 75,000 |
| Elmira, NY | 22 | $ 1,394,000 | $ 63,363 | $ 48,000 |
| Naples-Marco Island, FL | 21 | $ 6,140,000 | $ 292,380 | $ 235,000 |
| Cape Coral-Fort Myers, FL | 20 | $ 3,321,000 | $ 166,050 | $ 166,000 |
| Jackson, MI | 20 | $ 1,391,000 | $ 69,550 | $ 44,000 |
| Bradenton-Sarasota-Venice, FL | 19 | $ 5,881,000 | $ 309,526 | $ 234,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 17 | $ 3,340,000 | $ 196,470 | $ 109,000 |
| Charleston-North Charleston-Summerville, SC | 16 | $ 3,621,000 | $ 226,312 | $ 102,000 |
| San Diego-Carlsbad-San Marcos, CA | 16 | $ 4,248,000 | $ 265,500 | $ 126,000 |
| Bloomington, IN | 15 | $ 541,000 | $ 36,066 | $ 40,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 15 | $ 3,136,000 | $ 209,066 | $ 140,000 |
| Holland-Grand Haven, MI | 15 | $ 3,757,000 | $ 250,466 | $ 261,000 |
| Las Vegas-Paradise, NV | 15 | $ 3,820,000 | $ 254,666 | $ 78,000 |
| Riverside-San Bernardino-Ontario, CA | 15 | $ 5,742,000 | $ 382,800 | $ 152,000 |
| Rockford, IL | 15 | $ 1,211,000 | $ 80,733 | $ 50,000 |
| Santa Ana-Anaheim-Irvine, CA | 15 | $ 5,610,000 | $ 374,000 | $ 169,000 |
| Portland-Vancouver-Beaverton, OR-WA | 14 | $ 2,969,000 | $ 212,071 | $ 141,285 |
| San Jose-Sunnyvale-Santa Clara, CA | 14 | $ 5,301,000 | $ 378,642 | $ 152,000 |
| Orlando-Kissimmee, FL | 13 | $ 1,824,000 | $ 140,307 | $ 92,000 |
| Johnstown, PA | 12 | $ 1,125,000 | $ 93,750 | $ 75,000 |
| Oakland-Fremont-Hayward, CA | 12 | $ 3,825,000 | $ 318,750 | $ 157,000 |
| Anderson, IN | 11 | $ 699,000 | $ 63,545 | $ 80,000 |
| Battle Creek, MI | 11 | $ 1,387,000 | $ 126,090 | $ 96,000 |
| Lexington-Fayette, KY | 11 | $ 1,441,000 | $ 131,000 | $ 61,000 |
| Louisville-Jefferson County, KY-IN | 11 | $ 1,364,000 | $ 124,000 | $ 86,272 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 11 | $ 1,513,000 | $ 137,545 | $ 72,000 |
| Durham-Chapel Hill, NC | 10 | $ 4,457,000 | $ 445,700 | $ 207,000 |
| Miami-Miami Beach-Kendall, FL | 10 | $ 2,322,000 | $ 232,200 | $ 280,000 |
| Milwaukee-Waukesha-West Allis, WI | 10 | $ 2,777,000 | $ 277,700 | $ 254,000 |
| Port St. Lucie, FL | 10 | $ 1,443,000 | $ 144,300 | $ 119,000 |
| Roanoke, VA | 10 | $ 1,049,000 | $ 104,900 | $ 58,000 |
| Springfield, OH | 10 | $ 386,000 | $ 38,600 | $ 43,000 |
| Lafayette, IN | 9 | $ 1,123,000 | $ 124,777 | $ 65,000 |
| Sandusky, OH | 9 | $ 753,000 | $ 83,666 | $ 244,000 |
| Tucson, AZ | 9 | $ 1,525,000 | $ 169,444 | $ 108,000 |
| Champaign-Urbana, IL | 8 | $ 947,000 | $ 118,375 | $ 118,000 |
| Fort Worth-Arlington, TX | 8 | $ 3,815,000 | $ 476,875 | $ 230,000 |
| Lima, OH | 8 | $ 307,000 | $ 38,375 | $ 57,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 8 | $ 1,851,000 | $ 231,375 | $ 127,000 |
| Niles-Benton Harbor, MI | 8 | $ 1,747,000 | $ 218,375 | $ 191,000 |
| Palm Bay-Melbourne-Titusville, FL | 8 | $ 964,000 | $ 120,500 | $ 103,000 |
| Salt Lake City, UT | 8 | $ 1,903,000 | $ 237,875 | $ 123,000 |
| Seattle-Bellevue-Everett, WA | 8 | $ 2,755,000 | $ 344,375 | $ 118,000 |
| Boise City-Nampa, ID | 7 | $ 863,000 | $ 123,285 | $ 98,000 |
| Colorado Springs, CO | 7 | $ 1,589,000 | $ 227,000 | $ 137,000 |
| Fort Wayne, IN | 7 | $ 463,000 | $ 66,142 | $ 51,000 |
| Kankakee-Bradley, IL | 7 | $ 595,000 | $ 85,000 | $ 60,000 |
| Punta Gorda, FL | 7 | $ 1,050,000 | $ 150,000 | $ 100,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 7 | $ 2,287,000 | $ 326,714 | $ 122,000 |
| Wilmington, NC | 7 | $ 1,774,000 | $ 253,428 | $ 105,000 |
| Dallas-Plano-Irving, TX | 6 | $ 1,189,000 | $ 198,166 | $ 92,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 6 | $ 810,000 | $ 135,000 | $ 106,000 |
| Greensboro-High Point, NC | 6 | $ 925,000 | $ 154,166 | $ 77,000 |
| Houston-Sugar Land-Baytown, TX | 6 | $ 652,000 | $ 108,666 | $ 47,000 |
| Jacksonville, NC | 6 | $ 560,000 | $ 93,333 | $ 73,000 |
| Peoria, IL | 6 | $ 721,000 | $ 120,166 | $ 110,000 |
| Winston-Salem, NC | 6 | $ 745,000 | $ 124,166 | $ 134,000 |
| Austin-Round Rock, TX | 5 | $ 1,563,000 | $ 312,600 | $ 142,000 |
| Bakersfield, CA | 5 | $ 882,000 | $ 176,400 | $ 145,000 |
| Bangor, ME | 5 | $ 415,000 | $ 83,000 | $ 106,000 |
| Bay City, MI | 5 | $ 206,000 | $ 41,200 | $ 65,000 |
| Birmingham-Hoover, AL | 5 | $ 628,000 | $ 125,600 | $ 59,000 |
| Davenport-Moline-Rock Island, IA-IL | 5 | $ 260,000 | $ 52,000 | $ 61,000 |
| Kansas City, MO-KS | 5 | $ 708,000 | $ 141,600 | $ 115,000 |
| Lewiston-Auburn, ME | 5 | $ 361,000 | $ 72,200 | $ 89,000 |
| Little Rock-North Little Rock-Conway, AR | 5 | $ 831,000 | $ 166,200 | $ 65,000 |
| Lynchburg, VA | 5 | $ 482,000 | $ 96,400 | $ 110,000 |
| San Francisco-San Mateo-Redwood City, CA | 5 | $ 1,635,000 | $ 327,000 | $ 197,000 |
| South Bend-Mishawaka, IN-MI | 5 | $ 1,041,000 | $ 208,200 | $ 113,600 |
| Wichita, KS | 5 | $ 622,000 | $ 124,400 | $ 70,000 |
| Anderson, SC | 4 | $ 754,000 | $ 188,500 | $ 92,000 |
| Charlottesville, VA | 4 | $ 636,000 | $ 159,000 | $ 85,000 |
| Columbia, SC | 4 | $ 722,000 | $ 180,500 | $ 182,000 |
| Hickory-Lenoir-Morganton, NC | 4 | $ 1,212,000 | $ 303,000 | $ 66,000 |
| Memphis, TN-MS-AR | 4 | $ 861,000 | $ 215,250 | $ 142,000 |
| Morgantown, WV | 4 | $ 375,000 | $ 93,750 | $ 105,000 |
| Olympia, WA | 4 | $ 983,000 | $ 245,750 | $ 103,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 1,816,000 | $ 454,000 | $ 141,000 |
| Palm Coast, FL | 4 | $ 844,000 | $ 211,000 | $ 127,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 4 | $ 199,000 | $ 49,750 | $ 53,500 |
| Tacoma, WA | 4 | $ 749,000 | $ 187,250 | $ 79,000 |
| Vineland-Millville-Bridgeton, NJ | 4 | $ 105,000 | $ 26,250 | $ 151,000 |
| Weirton-Steubenville, WV-OH | 4 | $ 139,000 | $ 34,750 | $ 84,750 |
| Williamsport, PA | 4 | $ 483,000 | $ 120,750 | $ 83,000 |
| Boulder, CO | 3 | $ 388,000 | $ 129,333 | $ 61,000 |
| Bremerton-Silverdale, WA | 3 | $ 531,000 | $ 177,000 | $ 62,000 |
| Columbus, IN | 3 | $ 323,000 | $ 107,666 | $ 114,000 |
| Jackson, MS | 3 | $ 364,000 | $ 121,333 | $ 81,000 |
| Jacksonville, FL | 3 | $ 702,000 | $ 234,000 | $ 105,000 |
| Knoxville, TN | 3 | $ 513,000 | $ 171,000 | $ 71,000 |
| San Antonio, TX | 3 | $ 514,000 | $ 171,333 | $ 116,000 |
| Savannah, GA | 3 | $ 526,000 | $ 175,333 | $ 124,000 |
| Sebastian-Vero Beach, FL | 3 | $ 607,000 | $ 202,333 | $ 128,000 |
| Spartanburg, SC | 3 | $ 357,000 | $ 119,000 | $ 73,000 |
| Visalia-Porterville, CA | 3 | $ 547,000 | $ 182,333 | $ 121,000 |
| Albuquerque, NM | 2 | $ 343,000 | $ 171,500 | $ 103,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 260,000 | $ 130,000 | $ 59,500 |
| Columbia, MO | 2 | $ 340,000 | $ 170,000 | $ 145,000 |
| Decatur, IL | 2 | $ 210,000 | $ 105,000 | $ 86,000 |
| Fresno, CA | 2 | $ 266,000 | $ 133,000 | $ 61,000 |
| Greenville-Mauldin-Easley, SC | 2 | $ 502,000 | $ 251,000 | $ 132,000 |
| Lakeland-Winter Haven, FL | 2 | $ 317,000 | $ 158,500 | $ 147,000 |
| Mansfield, OH | 2 | $ 181,000 | $ 90,500 | $ 73,000 |
| Merced, CA | 2 | $ 280,000 | $ 140,000 | $ 106,000 |
| Michigan City-La Porte, IN | 2 | $ 447,000 | $ 223,500 | $ 989,000 |
| Morristown, TN | 2 | $ 265,000 | $ 132,500 | $ 67,000 |
| Oklahoma City, OK | 2 | $ 110,000 | $ 55,000 | $ 105,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 184,000 | $ 92,000 | $ 116,000 |
| Prescott, AZ | 2 | $ 511,000 | $ 255,500 | $ 257,000 |
| Pueblo, CO | 2 | $ 237,000 | $ 118,500 | $ 73,000 |
| Salinas, CA | 2 | $ 210,000 | $ 105,000 | $ 91,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 1,185,000 | $ 592,500 | $ 450,000 |
| Spokane, WA | 2 | $ 118,000 | $ 59,000 | $ 132,000 |
| Springfield, IL | 2 | $ 110,000 | $ 55,000 | $ 108,000 |
| Anchorage, AK | 1 | $ 50,000 | $ 50,000 | $ 100,000 |
| Athens-Clarke County, GA | 1 | $ 300,000 | $ 300,000 | $ 100,000 |
| Baton Rouge, LA | 1 | $ 415,000 | $ 415,000 | $ 204,000 |
| Bellingham, WA | 1 | $ 267,000 | $ 267,000 | $ 71,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 417,000 | $ 417,000 | $ 464,000 |
| Bloomington-Normal, IL | 1 | $ 38,000 | $ 38,000 | $ 63,000 |
| Brownsville-Harlingen, TX | 1 | $ 148,000 | $ 148,000 | $ 90,000 |
| Brunswick, GA | 1 | $ 103,000 | $ 103,000 | $ 88,000 |
| Casper, WY | 1 | $ 118,000 | $ 118,000 | $ 48,000 |
| Charleston, WV | 1 | $ 116,000 | $ 116,000 | $ 63,000 |
| Chattanooga, TN-GA | 1 | $ 175,000 | $ 175,000 | $ 82,000 |
| Chico, CA | 1 | $ 150,000 | $ 150,000 | $ 35,000 |
| Clarksville, TN-KY | 1 | $ 30,000 | $ 30,000 | $ 55,000 |
| Cleveland, TN | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Columbus, GA-AL | 1 | $ 68,000 | $ 68,000 | $ 11,000 |
| Corpus Christi, TX | 1 | $ 116,000 | $ 116,000 | $ 43,000 |
| Danville, IL | 1 | $ 12,000 | $ 12,000 | $ 13,000 |
| Duluth, MN-WI | 1 | $ 30,000 | $ 30,000 | $ 82,000 |
| El Centro, CA | 1 | $ 417,000 | $ 417,000 | $ 720,000 |
| Fargo, ND-MN | 1 | $ 44,000 | $ 44,000 | $ 88,000 |
| Fayetteville, NC | 1 | $ 60,000 | $ 60,000 | $ 90,000 |
| Florence, SC | 1 | $ 122,000 | $ 122,000 | $ 50,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 93,000 | $ 93,000 | $ 114,000 |
| Goldsboro, NC | 1 | $ 62,000 | $ 62,000 | $ 29,000 |
| Grand Junction, CO | 1 | $ 106,000 | $ 106,000 | $ 41,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 151,000 | $ 151,000 | $ 98,000 |
| Harrisonburg, VA | 1 | $ 280,000 | $ 280,000 | $ 30,000 |
| Hot Springs, AR | 1 | $ 56,000 | $ 56,000 | $ 50,000 |
| Idaho Falls, ID | 1 | $ 80,000 | $ 80,000 | $ 100,000 |
| Johnson City, TN | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 246,000 | $ 246,000 | $ 71,000 |
| Kokomo, IN | 1 | $ 225,000 | $ 225,000 | $ 103,000 |
| La Crosse, WI-MN | 1 | $ 219,000 | $ 219,000 | $ 279,000 |
| Lake Charles, LA | 1 | $ 100,000 | $ 100,000 | $ 45,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 255,000 | $ 255,000 | $ 192,000 |
| Lawrence, KS | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Madera-Chowchilla, CA | 1 | $ 96,000 | $ 96,000 | $ 84,000 |
| Madison, WI | 1 | $ 74,000 | $ 74,000 | $ 170,000 |
| Missoula, MT | 1 | $ 204,000 | $ 204,000 | $ 106,000 |
| Montgomery, AL | 1 | $ 85,000 | $ 85,000 | $ 66,000 |
| Muncie, IN | 1 | $ 102,000 | $ 102,000 | $ 142,000 |
| Muskegon-Norton Shores, MI | 1 | $ 129,000 | $ 129,000 | $ 67,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 270,000 | $ 270,000 | $ 185,000 |
| Ogden-Clearfield, UT | 1 | $ 148,000 | $ 148,000 | $ 188,000 |
| Oshkosh-Neenah, WI | 1 | $ 244,000 | $ 244,000 | $ 148,000 |
| Pascagoula, MS | 1 | $ 128,000 | $ 128,000 | $ 204,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 119,000 | $ 119,000 | $ 100,000 |
| Provo-Orem, UT | 1 | $ 538,000 | $ 538,000 | $ 110,000 |
| Racine, WI | 1 | $ 30,000 | $ 30,000 | $ 95,000 |
| Redding, CA | 1 | $ 38,000 | $ 38,000 | $ 130,000 |
| Reno-Sparks, NV | 1 | $ 520,000 | $ 520,000 | $ 134,000 |
| Rome, GA | 1 | $ 13,000 | $ 13,000 | $ 41,000 |
| Salem, OR | 1 | $ 285,000 | $ 285,000 | $ 91,000 |
| Salisbury, MD | 1 | $ 330,000 | $ 330,000 | $ 133,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 77,000 | $ 77,000 | $ 145,000 |
| Santa Fe, NM | 1 | $ 388,000 | $ 388,000 | $ 149,000 |
| Sheboygan, WI | 1 | $ 161,000 | $ 161,000 | $ 160,000 |
| Shreveport-Bossier City, LA | 1 | $ 49,000 | $ 49,000 | $ 114,000 |
| Terre Haute, IN | 1 | $ 4,000 | $ 4,000 | $ 36,000 |
| Topeka, KS | 1 | $ 128,000 | $ 128,000 | $ 31,000 |
| Wheeling, WV-OH | 1 | $ 179,000 | $ 179,000 | $ 47,000 |
| Winchester, VA-WV | 1 | $ 170,000 | $ 170,000 | $ 30,000 |
| Yakima, WA | 1 | $ 229,000 | $ 229,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for Rbs Citizens, N.A. in 2009
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 | 34,728 | $6,759,937,000 | $194,000 | $5,993,000 | $107,000 | $8,264,000 |
| Home Improvement | 10,909 | $220,114,000 | $20,000 | $3,500,000 | $55,000 | $4,204,000 |
| Home Purchase | 10,594 | $2,133,375,000 | $201,000 | $6,492,000 | $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 | 34,887 | $5,720,195,000 | $163,000 | $6,492,000 | $98,000 | $8,264,000 |
| Not Provided | 13,300 | $2,492,873,000 | $187,000 | $4,060,000 | $103,000 | $8,264,000 |
| Black or African American | 3,621 | $234,428,000 | $64,000 | $1,000,000 | $54,000 | $1,380,000 |
| Hispanic | 2,239 | $220,458,000 | $98,000 | $3,500,000 | $60,000 | $1,160,000 |
| Asian | 1,735 | $382,034,000 | $220,000 | $5,000,000 | $106,000 | $3,000,000 |
| Not applicable | 217 | $36,740,000 | $169,000 | $6,000,000 | $39,000 | $168,000 |
| American Indian or Alaskan Native | 121 | $9,990,000 | $82,000 | $370,000 | $67,000 | $466,000 |
| Native Hawaiian or Other Pacific Islander | 111 | $16,708,000 | $150,000 | $1,100,000 | $89,000 | $442,000 |
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) | 51,648 | $8,327,018,000 | $161,000 | $6,492,000 | $97,000 | $8,264,000 |
| FHA-insured (Federal Housing Administration) | 4,345 | $738,903,000 | $170,000 | $705,000 | $62,000 | $1,008,000 |
| VA-guaranteed (Veterans Administration) | 238 | $47,505,000 | $199,000 | $475,000 | $77,000 | $1,516,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 31,439 | $5,676,280,000 | $180,000 | $6,000,000 | $102,000 | $8,264,000 |
| Application Denied By Financial Institution | 14,843 | $1,580,559,000 | $106,000 | $5,000,000 | $69,000 | $4,204,000 |
| Application Withdrawn By Applicant | 3,670 | $738,529,000 | $201,000 | $1,500,000 | $114,000 | $3,968,000 |
| File Closed For Incompleteness | 3,323 | $527,555,000 | $158,000 | $1,950,000 | $115,000 | $3,000,000 |
| Application Approved But Not Accepted | 2,366 | $498,575,000 | $210,000 | $6,492,000 | $113,000 | $6,285,000 |
| Loan Purchased By The Institution | 447 | $72,189,000 | $161,000 | $591,000 | $19,000 | $168,000 |
| Preapproval Denied by Financial Institution | 143 | $19,739,000 | $138,000 | $500,000 | $56,000 | $564,000 |
| 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 | 5,075 | $435,115,000 | $85,000 | $5,000,000 | $48,000 | $2,500,000 |
| Collateral | 4,406 | $849,810,000 | $192,000 | $3,151,000 | $101,000 | $2,715,000 |
| Credit History | 3,374 | $153,638,000 | $45,000 | $3,500,000 | $56,000 | $2,184,000 |
| Other | 1,080 | $32,045,000 | $29,000 | $731,000 | $72,000 | $425,000 |
| Unverifiable Information | 575 | $41,296,000 | $71,000 | $3,100,000 | $67,000 | $4,204,000 |
| Credit Application Incomplete | 216 | $43,193,000 | $199,000 | $1,875,000 | $115,000 | $2,520,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 134 | $31,245,000 | $233,000 | $4,875,000 | $93,000 | $1,726,000 |
| Employment History | 70 | $3,900,000 | $55,000 | $360,000 | $43,000 | $200,000 |
| Mortgage Insurance Denied | 56 | $10,056,000 | $179,000 | $417,000 | $82,000 | $219,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Rbs Citizens, N.A.'s 2009 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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