Citizens Bank, NA Mortgage Lending & HMDA Data, 2013

In 2013, Citizens Bank, NA of Providence, RI reported 58,431 mortgage applications totaling $10.4 billion, down 15% from 2012. The average application was for $178,776, and applicants reported an average income of $95,769. 53% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (5,108), Providence-New Bedford-Fall River, RI-MA (4,736) and Philadelphia, PA (3,699) (applications in parentheses).

Mortgage Company & Address Citizens Bank, NA
One Citizens Plaza
Providence, RI 02903
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 58,431
Total Mortgage Loan Application Amount $10,446,097,000
Average Mortgage Loan Application Amount $178,776
Highest Mortgage Loan Application Amount $58,000,000
Average Applicant Income $95,769
Highest Applicant Income $8,854,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Bank, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Citizens Bank, NA by County in 2013

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 3,890 $ 528,793,000 $ 135,936 $ 83,000
Middlesex, Massachusetts 2,529 $ 760,058,000 $ 300,536 $ 130,000
Cuyahoga, Ohio 2,520 $ 200,840,000 $ 79,698 $ 65,000
Wayne, Michigan 2,330 $ 160,111,000 $ 68,717 $ 62,000
Providence, Rhode Island 2,238 $ 300,667,000 $ 134,346 $ 77,000
Erie, New York 2,056 $ 148,259,000 $ 72,110 $ 63,000
Macomb, Michigan 1,653 $ 148,010,000 $ 89,540 $ 70,000
Oakland, Michigan 1,516 $ 279,877,000 $ 184,615 $ 115,000
Norfolk, Massachusetts 1,402 $ 407,036,000 $ 290,325 $ 141,000
Suffolk, Massachusetts 1,262 $ 319,662,000 $ 253,297 $ 102,000
Philadelphia, Pennsylvania 1,231 $ 199,364,000 $ 161,952 $ 82,000
Monroe, New York 1,082 $ 119,933,000 $ 110,843 $ 62,000
Plymouth, Massachusetts 968 $ 222,722,000 $ 230,084 $ 122,000
Allegheny, Pennsylvania 965 $ 139,833,000 $ 144,904 $ 95,000
Rockingham, New Hampshire 901 $ 174,824,000 $ 194,033 $ 108,000
Lucas, Ohio 897 $ 47,937,000 $ 53,441 $ 55,000
Essex, Massachusetts 876 $ 213,439,000 $ 243,651 $ 104,000
Montgomery, Pennsylvania 839 $ 213,951,000 $ 255,007 $ 138,000
Hillsborough, New Hampshire 815 $ 165,887,000 $ 203,542 $ 107,000
Bristol, Massachusetts 810 $ 143,292,000 $ 176,903 $ 93,000
Summit, Ohio 785 $ 69,066,000 $ 87,982 $ 70,000
Hampden, Massachusetts 759 $ 76,506,000 $ 100,798 $ 63,000
Kent, Rhode Island 714 $ 118,112,000 $ 165,422 $ 98,000
Barnstable, Massachusetts 697 $ 162,673,000 $ 233,390 $ 124,000
Stark, Ohio 692 $ 55,268,000 $ 79,867 $ 61,000
DuPage, Illinois 672 $ 197,720,000 $ 294,226 $ 136,000
New Haven, Connecticut 653 $ 134,846,000 $ 206,502 $ 118,000
Bucks, Pennsylvania 617 $ 156,029,000 $ 252,883 $ 126,000
New Castle, Delaware 596 $ 118,497,000 $ 198,820 $ 120,000
Delaware, Pennsylvania 518 $ 100,820,000 $ 194,633 $ 110,000
Chester, Pennsylvania 494 $ 146,928,000 $ 297,425 $ 158,000
New London, Connecticut 488 $ 77,380,000 $ 158,565 $ 97,000
Washington, Rhode Island 487 $ 103,609,000 $ 212,749 $ 125,000
Worcester, Massachusetts 463 $ 79,167,000 $ 170,987 $ 92,000
Lake, Ohio 394 $ 44,208,000 $ 112,203 $ 71,000
Niagara, New York 377 $ 21,887,000 $ 58,055 $ 53,000
Strafford, New Hampshire 373 $ 51,202,000 $ 137,270 $ 84,000
Onondaga, New York 356 $ 22,768,000 $ 63,955 $ 61,000
Will, Illinois 321 $ 54,558,000 $ 169,962 $ 101,000
Merrimack, New Hampshire 318 $ 47,983,000 $ 150,889 $ 94,000
Middlesex, Connecticut 305 $ 57,487,000 $ 188,481 $ 114,000
Cape May, New Jersey 265 $ 154,489,000 $ 582,977 $ 338,000
Hartford, Connecticut 264 $ 41,053,000 $ 155,503 $ 84,000
Sussex, Delaware 264 $ 70,238,000 $ 266,053 $ 147,000
Bristol, Rhode Island 262 $ 54,863,000 $ 209,400 $ 125,000
Franklin, Ohio 260 $ 11,994,000 $ 46,130 $ 50,000
Fairfield, Connecticut 243 $ 142,068,000 $ 584,641 $ 200,000
Berks, Pennsylvania 236 $ 32,389,000 $ 137,241 $ 85,000
Luzerne, Pennsylvania 227 $ 29,265,000 $ 128,920 $ 73,000
Newport, Rhode Island 225 $ 62,005,000 $ 275,577 $ 138,000
Carroll, New Hampshire 224 $ 35,654,000 $ 159,169 $ 96,000
Kent, Delaware 212 $ 31,618,000 $ 149,141 $ 80,000
Oneida, New York 209 $ 7,747,000 $ 37,066 $ 41,000
Lake, Illinois 207 $ 75,975,000 $ 367,028 $ 160,000
Medina, Ohio 206 $ 25,117,000 $ 121,927 $ 76,000
Lorain, Ohio 195 $ 20,920,000 $ 107,282 $ 70,000
Geauga, Ohio 192 $ 33,973,000 $ 176,942 $ 98,000
Broome, New York 187 $ 25,166,000 $ 134,577 $ 54,000
Albany, New York 185 $ 23,919,000 $ 129,291 $ 91,000
Westmoreland, Pennsylvania 182 $ 27,543,000 $ 151,335 $ 84,000
Saratoga, New York 180 $ 31,916,000 $ 177,311 $ 100,000
Westchester, New York 174 $ 73,960,000 $ 425,057 $ 183,000
Washtenaw, Michigan 170 $ 27,416,000 $ 161,270 $ 112,000
Centre, Pennsylvania 167 $ 33,475,000 $ 200,449 $ 119,000
Belknap, New Hampshire 166 $ 32,048,000 $ 193,060 $ 127,000
Grafton, New Hampshire 160 $ 39,511,000 $ 246,943 $ 122,000
York, Maine 152 $ 36,378,000 $ 239,328 $ 132,000
Wayne, New York 152 $ 7,513,000 $ 49,427 $ 56,000
Washington, Pennsylvania 151 $ 27,246,000 $ 180,437 $ 101,000
Monroe, Michigan 147 $ 14,014,000 $ 95,333 $ 64,000
Orange, New York 147 $ 15,192,000 $ 103,346 $ 87,000
Livingston, Michigan 145 $ 27,092,000 $ 186,841 $ 103,000
Lancaster, Pennsylvania 144 $ 21,540,000 $ 149,583 $ 81,000
Hampshire, Massachusetts 143 $ 30,223,000 $ 211,349 $ 87,000
Chittenden, Vermont 143 $ 34,705,000 $ 242,692 $ 152,000
Portage, Ohio 140 $ 16,263,000 $ 116,164 $ 68,000
Scioto, Ohio 136 $ 6,745,000 $ 49,595 $ 53,000
Dutchess, New York 133 $ 21,075,000 $ 158,458 $ 109,000
Erie, Pennsylvania 128 $ 15,673,000 $ 122,445 $ 91,000
Coos, New Hampshire 121 $ 9,345,000 $ 77,231 $ 72,000
Dauphin, Pennsylvania 121 $ 18,029,000 $ 149,000 $ 92,000
Shiawassee, Michigan 119 $ 6,908,000 $ 58,050 $ 54,000
Mahoning, Ohio 118 $ 9,811,000 $ 83,144 $ 74,000
Butler, Pennsylvania 116 $ 23,869,000 $ 205,767 $ 103,000
Ulster, New York 112 $ 14,835,000 $ 132,455 $ 94,000
Kane, Illinois 109 $ 22,117,000 $ 202,908 $ 112,000
Rensselaer, New York 109 $ 10,641,000 $ 97,623 $ 80,000
Beaver, Pennsylvania 109 $ 14,039,000 $ 128,798 $ 84,000
Rutland, Vermont 108 $ 13,182,000 $ 122,055 $ 88,000
Camden, New Jersey 101 $ 20,145,000 $ 199,455 $ 124,000
Cumberland, Pennsylvania 98 $ 14,737,000 $ 150,377 $ 94,000
Ingham, Michigan 97 $ 12,875,000 $ 132,731 $ 90,000
Los Angeles, California 96 $ 80,410,000 $ 837,604 $ 9,000
Otsego, New York 96 $ 6,100,000 $ 63,541 $ 61,000
New York, New York 92 $ 55,647,000 $ 604,858 $ 306,000
Rockland, New York 92 $ 32,198,000 $ 349,978 $ 172,000
Burlington, New Jersey 91 $ 23,684,000 $ 260,263 $ 168,000
Monroe, Pennsylvania 90 $ 14,675,000 $ 163,055 $ 87,000
Warren, New York 88 $ 13,071,000 $ 148,534 $ 84,000
Schenectady, New York 86 $ 6,069,000 $ 70,569 $ 63,000
Ontario, New York 84 $ 5,677,000 $ 67,583 $ 73,000
Trumbull, Ohio 84 $ 6,755,000 $ 80,416 $ 60,000
St. Clair, Michigan 82 $ 7,772,000 $ 94,780 $ 84,000
Windsor, Vermont 82 $ 12,787,000 $ 155,939 $ 170,000
Columbiana, Ohio 81 $ 6,547,000 $ 80,827 $ 64,000
Berkshire, Massachusetts 77 $ 21,773,000 $ 282,766 $ 81,000
York, Pennsylvania 77 $ 12,294,000 $ 159,662 $ 119,000
Blair, Pennsylvania 76 $ 8,672,000 $ 114,105 $ 71,000
Lehigh, Pennsylvania 76 $ 12,427,000 $ 163,513 $ 91,000
Mecklenburg, North Carolina 74 $ 29,019,000 $ 392,148 $ 148,000
Wood, Ohio 74 $ 6,489,000 $ 87,689 $ 74,000
Suffolk, New York 73 $ 30,622,000 $ 419,479 $ 297,000
Cheshire, New Hampshire 70 $ 8,245,000 $ 117,785 $ 83,000
Sullivan, New Hampshire 70 $ 8,890,000 $ 127,000 $ 102,000
Northampton, Pennsylvania 69 $ 16,959,000 $ 245,782 $ 151,000
McHenry, Illinois 67 $ 9,216,000 $ 137,552 $ 104,000
Atlantic, New Jersey 62 $ 22,122,000 $ 356,806 $ 226,000
Kalamazoo, Michigan 61 $ 7,397,000 $ 121,262 $ 83,000
Windham, Connecticut 59 $ 8,893,000 $ 150,728 $ 81,000
Pike, Pennsylvania 59 $ 8,981,000 $ 152,220 $ 86,000
Washington, New York 58 $ 5,719,000 $ 98,603 $ 56,000
Nassau, New York 57 $ 18,441,000 $ 323,526 $ 185,000
Cortland, New York 56 $ 1,596,000 $ 28,500 $ 42,000
Genesee, Michigan 55 $ 10,039,000 $ 182,527 $ 98,000
Marion, Indiana 54 $ 6,881,000 $ 127,425 $ 77,000
Madison, New York 53 $ 2,187,000 $ 41,264 $ 46,000
San Diego, California 52 $ 36,182,000 $ 695,807 $ 24,000
Franklin, Vermont 52 $ 6,365,000 $ 122,403 $ 78,000
Windham, Vermont 52 $ 8,313,000 $ 159,865 $ 122,000
Fairfax, Virginia 52 $ 31,348,000 $ 602,846 $ 100,000
Chenango, New York 51 $ 2,262,000 $ 44,352 $ 48,000
Livingston, New York 51 $ 2,175,000 $ 42,647 $ 59,000
Bergen, New Jersey 49 $ 19,568,000 $ 399,346 $ 179,000
King, Washington 49 $ 37,646,000 $ 768,285 $ 187,000
Gloucester, New Jersey 48 $ 10,499,000 $ 218,729 $ 205,000
Lake, Indiana 47 $ 4,910,000 $ 104,468 $ 56,000
Lackawanna, Pennsylvania 47 $ 8,082,000 $ 171,957 $ 93,000
Fulton, New York 46 $ 3,310,000 $ 71,956 $ 57,000
San Francisco, California 45 $ 38,153,000 $ 847,844 $ 0
Kings, New York 45 $ 22,383,000 $ 497,400 $ 163,000
Tolland, Connecticut 44 $ 6,589,000 $ 149,750 $ 87,000
Montgomery, Maryland 44 $ 23,015,000 $ 523,068 $ 115,000
Addison, Vermont 44 $ 6,183,000 $ 140,522 $ 85,000
Ocean, New Jersey 43 $ 20,030,000 $ 465,813 $ 266,000
Mercer, Pennsylvania 43 $ 4,411,000 $ 102,581 $ 83,000
Santa Clara, California 42 $ 35,394,000 $ 842,714 $ 3,000
Hamilton, Ohio 42 $ 11,082,000 $ 263,857 $ 81,000
Bennington, Vermont 42 $ 7,033,000 $ 167,452 $ 128,000
Collier, Florida 41 $ 12,705,000 $ 309,878 $ 240,000
Saginaw, Michigan 41 $ 2,422,000 $ 59,073 $ 50,000
Queens, New York 41 $ 7,400,000 $ 180,487 $ 117,000
Wayne, Ohio 41 $ 3,430,000 $ 83,658 $ 57,000
San Mateo, California 40 $ 34,438,000 $ 860,950 $ 0
Kendall, Illinois 40 $ 6,485,000 $ 162,125 $ 81,000
Contra Costa, California 39 $ 31,958,000 $ 819,435 $ 0
Lapeer, Michigan 39 $ 6,205,000 $ 159,102 $ 101,000
Herkimer, New York 39 $ 2,226,000 $ 57,076 $ 56,000
Kent, Michigan 38 $ 3,972,000 $ 104,526 $ 78,000
Crawford, Pennsylvania 36 $ 3,574,000 $ 99,277 $ 80,000
Chautauqua, New York 35 $ 2,235,000 $ 63,857 $ 63,000
Hanover, Virginia 35 $ 7,917,000 $ 226,200 $ 101,000
Orange, California 34 $ 25,589,000 $ 752,617 $ 16,000
Maricopa, Arizona 33 $ 13,649,000 $ 413,606 $ 76,000
Oswego, New York 32 $ 1,556,000 $ 48,625 $ 60,000
Henrico, Virginia 32 $ 7,235,000 $ 226,093 $ 98,000
Broward, Florida 31 $ 8,218,000 $ 265,096 $ 144,000
Sarasota, Florida 31 $ 7,138,000 $ 230,258 $ 129,000
Clinton, Michigan 31 $ 4,808,000 $ 155,096 $ 124,000
Fairfield, Ohio 31 $ 3,623,000 $ 116,870 $ 71,000
Nantucket, Massachusetts 30 $ 19,178,000 $ 639,266 $ 326,000
Sullivan, New York 30 $ 2,704,000 $ 90,133 $ 100,000
Palm Beach, Florida 29 $ 9,447,000 $ 325,758 $ 165,000
Eaton, Michigan 28 $ 3,594,000 $ 128,357 $ 71,000
Monmouth, New Jersey 28 $ 9,630,000 $ 343,928 $ 150,000
Richmond, New York 28 $ 5,345,000 $ 190,892 $ 109,000
Lycoming, Pennsylvania 28 $ 3,367,000 $ 120,250 $ 55,000
Anne Arundel, Maryland 27 $ 10,975,000 $ 406,481 $ 119,000
Orleans, New York 27 $ 804,000 $ 29,777 $ 49,000
Cumberland, Maine 26 $ 8,106,000 $ 311,769 $ 332,000
Dukes, Massachusetts 26 $ 12,863,000 $ 494,730 $ 310,000
Lebanon, Pennsylvania 26 $ 4,034,000 $ 155,153 $ 77,000
Alameda, California 25 $ 19,512,000 $ 780,480 $ 15,000
Hamilton, Indiana 25 $ 5,167,000 $ 206,680 $ 118,000
Franklin, Massachusetts 25 $ 3,219,000 $ 128,760 $ 74,000
Morris, New Jersey 25 $ 13,666,000 $ 546,640 $ 329,000
Armstrong, Pennsylvania 25 $ 3,286,000 $ 131,440 $ 101,000
Washington, Vermont 25 $ 3,454,000 $ 138,160 $ 90,000
Chesterfield, Virginia 25 $ 6,057,000 $ 242,280 $ 135,000
Cattaraugus, New York 24 $ 1,576,000 $ 65,666 $ 57,000
Putnam, New York 24 $ 4,947,000 $ 206,125 $ 190,000
Horry, South Carolina 24 $ 4,265,000 $ 177,708 $ 125,000
Lee, Florida 23 $ 5,831,000 $ 253,521 $ 212,000
Wyoming, New York 23 $ 2,056,000 $ 89,391 $ 80,000
Travis, Texas 23 $ 16,433,000 $ 714,478 $ 0
Middlesex, New Jersey 22 $ 6,825,000 $ 310,227 $ 159,000
Tuscarawas, Ohio 22 $ 1,861,000 $ 84,590 $ 71,000
Fulton, Georgia 21 $ 10,138,000 $ 482,761 $ 55,000
Allegan, Michigan 21 $ 2,979,000 $ 141,857 $ 84,000
Montgomery, New York 21 $ 1,126,000 $ 53,619 $ 67,000
Harris, Texas 21 $ 12,964,000 $ 617,333 $ 27,000
Mercer, New Jersey 20 $ 7,043,000 $ 352,150 $ 165,000
Cecil, Maryland 19 $ 3,452,000 $ 181,684 $ 86,000
Delaware, New York 19 $ 1,176,000 $ 61,894 $ 52,000
Carbon, Pennsylvania 19 $ 2,929,000 $ 154,157 $ 84,000
Essex, New Jersey 18 $ 8,155,000 $ 453,055 $ 192,000
Clinton, New York 18 $ 1,506,000 $ 83,666 $ 77,000
Union, North Carolina 18 $ 10,047,000 $ 558,166 $ 179,000
Carroll, Ohio 18 $ 2,001,000 $ 111,166 $ 70,000
Ottawa, Ohio 18 $ 2,373,000 $ 131,833 $ 92,000
Dallas, Texas 18 $ 13,727,000 $ 762,611 $ 0
Orange, Vermont 18 $ 2,928,000 $ 162,666 $ 87,000
Arlington, Virginia 18 $ 13,269,000 $ 737,166 $ 94,000
Richmond City, Virginia 18 $ 5,173,000 $ 287,388 $ 121,000
Marin, California 17 $ 14,015,000 $ 824,411 $ 55,000
District of Columbia, District Of Columbia 17 $ 9,621,000 $ 565,941 $ 114,000
Pinellas, Florida 17 $ 2,990,000 $ 175,882 $ 108,000
Worcester, Maryland 17 $ 5,378,000 $ 316,352 $ 195,000
Clark, Nevada 17 $ 7,281,000 $ 428,294 $ 62,000
Hunterdon, New Jersey 17 $ 4,305,000 $ 253,235 $ 133,000
Iredell, North Carolina 17 $ 8,750,000 $ 514,705 $ 172,000
Licking, Ohio 17 $ 2,082,000 $ 122,470 $ 82,000
Schuylkill, Pennsylvania 17 $ 1,847,000 $ 108,647 $ 78,000
Essex, Vermont 17 $ 918,000 $ 54,000 $ 67,000
Greenup, Kentucky 16 $ 1,031,000 $ 64,437 $ 64,000
St. Louis, Missouri 16 $ 5,166,000 $ 322,875 $ 51,000
Cayuga, New York 16 $ 671,000 $ 41,937 $ 57,000
Tioga, New York 16 $ 1,396,000 $ 87,250 $ 103,000
Tompkins, New York 16 $ 1,097,000 $ 68,562 $ 74,000
Wake, North Carolina 16 $ 4,797,000 $ 299,812 $ 80,000
Kankakee, Illinois 15 $ 1,500,000 $ 100,000 $ 81,000
Hudson, New Jersey 15 $ 5,155,000 $ 343,666 $ 165,000
Montgomery, Ohio 15 $ 1,178,000 $ 78,533 $ 56,000
Mifflin, Pennsylvania 15 $ 1,320,000 $ 88,000 $ 46,000
Venango, Pennsylvania 15 $ 1,355,000 $ 90,333 $ 64,000
Prince George's, Maryland 14 $ 3,995,000 $ 285,357 $ 110,000
Lenawee, Michigan 14 $ 1,614,000 $ 115,285 $ 68,000
Somerset, New Jersey 14 $ 6,591,000 $ 470,785 $ 209,000
Erie, Ohio 14 $ 1,980,000 $ 141,428 $ 107,000
Huntingdon, Pennsylvania 14 $ 2,350,000 $ 167,857 $ 99,000
Wayne, Pennsylvania 14 $ 2,903,000 $ 207,357 $ 136,000
Santa Barbara, California 13 $ 10,617,000 $ 816,692 $ 0
Litchfield, Connecticut 13 $ 5,813,000 $ 447,153 $ 258,000
Orange, Florida 13 $ 2,429,000 $ 186,846 $ 145,000
Oxford, Maine 13 $ 2,542,000 $ 195,538 $ 146,000
Hennepin, Minnesota 13 $ 7,756,000 $ 596,615 $ 36,000
Bronx, New York 13 $ 5,499,000 $ 423,000 $ 181,000
Steuben, New York 13 $ 597,000 $ 45,923 $ 74,000
Pickaway, Ohio 13 $ 1,108,000 $ 85,230 $ 59,000
Lawrence, Pennsylvania 13 $ 1,403,000 $ 107,923 $ 71,000
Charleston, South Carolina 13 $ 6,516,000 $ 501,230 $ 127,000
Lamoille, Vermont 13 $ 3,902,000 $ 300,153 $ 287,000
Berrien, Michigan 12 $ 1,830,000 $ 152,500 $ 149,000
Van Buren, Michigan 12 $ 1,761,000 $ 146,750 $ 139,000
Columbia, New York 12 $ 2,952,000 $ 246,000 $ 144,000
Genesee, New York 12 $ 927,000 $ 77,250 $ 63,000
Ashtabula, Ohio 12 $ 1,345,000 $ 112,083 $ 67,000
Riverside, California 11 $ 2,687,000 $ 244,272 $ 175,000
Osceola, Florida 11 $ 1,077,000 $ 97,909 $ 96,000
Cobb, Georgia 11 $ 4,863,000 $ 442,090 $ 75,000
Baltimore, Maryland 11 $ 3,783,000 $ 343,909 $ 109,000
Charles, Maryland 11 $ 3,099,000 $ 281,727 $ 135,000
Howard, Maryland 11 $ 4,357,000 $ 396,090 $ 143,000
Essex, New York 11 $ 1,284,000 $ 116,727 $ 93,000
Greene, New York 11 $ 1,276,000 $ 116,000 $ 98,000
Beaufort, South Carolina 11 $ 3,966,000 $ 360,545 $ 195,000
Loudoun, Virginia 11 $ 6,090,000 $ 553,636 $ 89,000
San Bernardino, California 10 $ 5,950,000 $ 595,000 $ 13,000
Boulder, Colorado 10 $ 6,062,000 $ 606,200 $ 5,000
Brevard, Florida 10 $ 1,485,000 $ 148,500 $ 216,000
Tippecanoe, Indiana 10 $ 1,939,000 $ 193,900 $ 84,000
Passaic, New Jersey 10 $ 1,646,000 $ 164,600 $ 154,000
Susquehanna, Pennsylvania 10 $ 2,188,000 $ 218,800 $ 157,000
Spartanburg, South Carolina 10 $ 1,090,000 $ 109,000 $ 65,000
Williamson, Tennessee 10 $ 7,437,000 $ 743,700 $ 0
Grand Isle, Vermont 10 $ 2,877,000 $ 287,700 $ 145,000
Sonoma, California 9 $ 5,153,000 $ 572,555 $ 50,000
Denver, Colorado 9 $ 5,492,000 $ 610,222 $ 18,000
Miami-Dade, Florida 9 $ 3,465,000 $ 385,000 $ 172,000
St. Lucie, Florida 9 $ 1,422,000 $ 158,000 $ 113,000
DeKalb, Georgia 9 $ 4,013,000 $ 445,888 $ 28,000
Barry, Michigan 9 $ 1,031,000 $ 114,555 $ 74,000
Calhoun, Michigan 9 $ 922,000 $ 102,444 $ 68,000
Jackson, Michigan 9 $ 891,000 $ 99,000 $ 51,000
Muskegon, Michigan 9 $ 1,230,000 $ 136,666 $ 76,000
Sanilac, Michigan 9 $ 414,000 $ 46,000 $ 77,000
Schoharie, New York 9 $ 767,000 $ 85,222 $ 69,000
Seneca, New York 9 $ 709,000 $ 78,777 $ 45,000
Yates, New York 9 $ 562,000 $ 62,444 $ 63,000
Brunswick, North Carolina 9 $ 2,325,000 $ 258,333 $ 70,000
Butler, Ohio 9 $ 1,399,000 $ 155,444 $ 66,000
Northumberland, Pennsylvania 9 $ 1,063,000 $ 118,111 $ 74,000
Goochland, Virginia 9 $ 4,400,000 $ 488,888 $ 227,000
Virginia Beach, Virginia 9 $ 4,063,000 $ 451,444 $ 139,000
Placer, California 8 $ 4,168,000 $ 521,000 $ 5,000
Sumter, Florida 8 $ 1,406,000 $ 175,750 $ 117,000
LaSalle, Illinois 8 $ 1,299,000 $ 162,375 $ 77,000
Hancock, Indiana 8 $ 897,000 $ 112,125 $ 101,000
Boyd, Kentucky 8 $ 2,211,000 $ 276,375 $ 117,000
Kent, Maryland 8 $ 2,109,000 $ 263,625 $ 423,000
Antrim, Michigan 8 $ 2,148,000 $ 268,500 $ 190,000
Gladwin, Michigan 8 $ 983,000 $ 122,875 $ 89,000
Grand Traverse, Michigan 8 $ 1,726,000 $ 215,750 $ 135,000
Hillsdale, Michigan 8 $ 788,000 $ 98,500 $ 73,000
Union, New Jersey 8 $ 2,859,000 $ 357,375 $ 198,000
Buncombe, North Carolina 8 $ 1,817,000 $ 227,125 $ 109,000
Fulton, Ohio 8 $ 812,000 $ 101,500 $ 56,000
Adams, Pennsylvania 8 $ 1,573,000 $ 196,625 $ 97,000
York, South Carolina 8 $ 3,427,000 $ 428,375 $ 277,000
Collin, Texas 8 $ 4,450,000 $ 556,250 $ 15,000
Monterey, California 7 $ 4,788,000 $ 684,000 $ 0
Arapahoe, Colorado 7 $ 4,611,000 $ 658,714 $ 6,000
Charlotte, Florida 7 $ 1,007,000 $ 143,857 $ 85,000
Lake, Florida 7 $ 846,000 $ 120,857 $ 79,000
Seminole, Florida 7 $ 2,107,000 $ 301,000 $ 67,000
Grundy, Illinois 7 $ 899,000 $ 128,428 $ 77,000
McLean, Illinois 7 $ 465,000 $ 66,428 $ 98,000
Hendricks, Indiana 7 $ 1,068,000 $ 152,571 $ 119,000
Huron, Michigan 7 $ 1,253,000 $ 179,000 $ 241,000
Ottawa, Michigan 7 $ 1,676,000 $ 239,428 $ 107,000
Franklin, New York 7 $ 1,222,000 $ 174,571 $ 84,000
Forsyth, North Carolina 7 $ 1,228,000 $ 175,428 $ 125,000
Coshocton, Ohio 7 $ 914,000 $ 130,571 $ 60,000
Delaware, Ohio 7 $ 1,318,000 $ 188,285 $ 149,000
Hancock, Ohio 7 $ 916,000 $ 130,857 $ 68,000
Huron, Ohio 7 $ 723,000 $ 103,285 $ 64,000
Clearfield, Pennsylvania 7 $ 620,000 $ 88,571 $ 65,000
Columbia, Pennsylvania 7 $ 1,355,000 $ 193,571 $ 114,000
Fayette, Pennsylvania 7 $ 1,367,000 $ 195,285 $ 89,000
Tarrant, Texas 7 $ 6,254,000 $ 893,428 $ 23,000
Orleans, Vermont 7 $ 1,289,000 $ 184,142 $ 199,000
Ventura, California 6 $ 4,386,000 $ 731,000 $ 0
Douglas, Colorado 6 $ 3,485,000 $ 580,833 $ 18,000
Jefferson, Colorado 6 $ 3,733,000 $ 622,166 $ 11,000
Hillsborough, Florida 6 $ 2,547,000 $ 424,500 $ 117,000
Indian River, Florida 6 $ 1,392,000 $ 232,000 $ 86,000
Volusia, Florida 6 $ 785,000 $ 130,833 $ 59,000
Peoria, Illinois 6 $ 490,000 $ 81,666 $ 55,000
Porter, Indiana 6 $ 774,000 $ 129,000 $ 77,000
Harford, Maryland 6 $ 1,755,000 $ 292,500 $ 115,000
Talbot, Maryland 6 $ 5,083,000 $ 847,166 $ 415,000
Emmet, Michigan 6 $ 1,206,000 $ 201,000 $ 232,000
Henderson, North Carolina 6 $ 1,202,000 $ 200,333 $ 88,000
Clark, Ohio 6 $ 613,000 $ 102,166 $ 68,000
Lawrence, Ohio 6 $ 115,000 $ 19,166 $ 31,000
Sandusky, Ohio 6 $ 640,000 $ 106,666 $ 74,000
Union, Pennsylvania 6 $ 713,000 $ 118,833 $ 67,000
Snohomish, Washington 6 $ 2,989,000 $ 498,166 $ 54,000
Kenosha, Wisconsin 6 $ 978,000 $ 163,000 $ 126,000
San Luis Obispo, California 5 $ 3,700,000 $ 740,000 $ 0
Martin, Florida 5 $ 1,126,000 $ 225,200 $ 244,000
Pasco, Florida 5 $ 768,000 $ 153,600 $ 86,000
Polk, Florida 5 $ 431,000 $ 86,200 $ 42,000
St. Johns, Florida 5 $ 2,003,000 $ 400,600 $ 64,000
Boone, Indiana 5 $ 1,993,000 $ 398,600 $ 110,000
Monroe, Indiana 5 $ 374,000 $ 74,800 $ 175,000
Jefferson, Kentucky 5 $ 3,462,000 $ 692,400 $ 22,000
Lincoln, Maine 5 $ 1,666,000 $ 333,200 $ 153,000
Baltimore City, Maryland 5 $ 593,000 $ 118,600 $ 142,000
Frederick, Maryland 5 $ 1,394,000 $ 278,800 $ 134,000
Arenac, Michigan 5 $ 587,000 $ 117,400 $ 114,000
Charlevoix, Michigan 5 $ 1,783,000 $ 356,600 $ 320,000
Crawford, Michigan 5 $ 599,000 $ 119,800 $ 165,000
Roscommon, Michigan 5 $ 645,000 $ 129,000 $ 184,000
Santa Fe, New Mexico 5 $ 2,874,000 $ 574,800 $ 50,000
Hamilton, New York 5 $ 640,000 $ 128,000 $ 106,000
Cumberland, North Carolina 5 $ 344,000 $ 68,800 $ 68,000
Knox, Ohio 5 $ 50,000 $ 10,000 $ 40,000
Richland, Ohio 5 $ 332,000 $ 66,400 $ 73,000
Warren, Ohio 5 $ 919,000 $ 183,800 $ 107,000
Clackamas, Oregon 5 $ 2,970,000 $ 594,000 $ 16,000
Multnomah, Oregon 5 $ 3,200,000 $ 640,000 $ 28,000
Franklin, Pennsylvania 5 $ 790,000 $ 158,000 $ 109,000
Perry, Pennsylvania 5 $ 490,000 $ 98,000 $ 73,000
Salt Lake, Utah 5 $ 1,794,000 $ 358,800 $ 122,000
Albemarle, Virginia 5 $ 3,365,000 $ 673,000 $ 52,000
King George, Virginia 5 $ 2,177,000 $ 435,400 $ 86,000
King William, Virginia 5 $ 750,000 $ 150,000 $ 48,000
Louisa, Virginia 5 $ 1,937,000 $ 387,400 $ 47,000
Stafford, Virginia 5 $ 1,450,000 $ 290,000 $ 119,000
Walworth, Wisconsin 5 $ 1,187,000 $ 237,400 $ 236,000
Pima, Arizona 4 $ 984,000 $ 246,000 $ 116,000
El Dorado, California 4 $ 1,809,000 $ 452,250 $ 57,000
Sacramento, California 4 $ 2,074,000 $ 518,500 $ 14,000
Adams, Colorado 4 $ 566,000 $ 141,500 $ 79,000
Flagler, Florida 4 $ 584,000 $ 146,000 $ 90,000
Manatee, Florida 4 $ 1,609,000 $ 402,250 $ 159,000
Chatham, Georgia 4 $ 2,416,000 $ 604,000 $ 21,000
Gwinnett, Georgia 4 $ 1,359,000 $ 339,750 $ 98,000
Jo Daviess, Illinois 4 $ 550,000 $ 137,500 $ 217,000
Winnebago, Illinois 4 $ 341,000 $ 85,250 $ 55,000
Johnson, Indiana 4 $ 490,000 $ 122,500 $ 64,000
Hancock, Maine 4 $ 3,219,000 $ 804,750 $ 567,000
Knox, Maine 4 $ 760,000 $ 190,000 $ 147,000
Calvert, Maryland 4 $ 1,817,000 $ 454,250 $ 121,000
Queen Anne's, Maryland 4 $ 587,000 $ 146,750 $ 71,000
Alcona, Michigan 4 $ 345,000 $ 86,250 $ 66,000
Cumberland, New Jersey 4 $ 439,000 $ 109,750 $ 112,000
Salem, New Jersey 4 $ 525,000 $ 131,250 $ 90,000
Sussex, New Jersey 4 $ 783,000 $ 195,750 $ 130,000
Jefferson, New York 4 $ 623,000 $ 155,750 $ 125,000
Schuyler, New York 4 $ 95,000 $ 23,750 $ 70,000
St. Lawrence, New York 4 $ 165,000 $ 41,250 $ 72,000
New Hanover, North Carolina 4 $ 1,132,000 $ 283,000 $ 58,000
Clermont, Ohio 4 $ 537,000 $ 134,250 $ 92,000
Pike, Ohio 4 $ 180,000 $ 45,000 $ 45,000
Ross, Ohio 4 $ 522,000 $ 130,500 $ 89,000
Washington, Oregon 4 $ 1,899,000 $ 474,750 $ 0
Clarion, Pennsylvania 4 $ 649,000 $ 162,250 $ 103,000
Clinton, Pennsylvania 4 $ 436,000 $ 109,000 $ 52,000
Indiana, Pennsylvania 4 $ 536,000 $ 134,000 $ 83,000
Somerset, Pennsylvania 4 $ 1,116,000 $ 279,000 $ 391,000
Wyoming, Pennsylvania 4 $ 450,000 $ 112,500 $ 77,000
Davidson, Tennessee 4 $ 1,173,000 $ 293,250 $ 54,000
Bexar, Texas 4 $ 6,654,000 $ 1,663,500 $ 0
Fort Bend, Texas 4 $ 2,147,000 $ 536,750 $ 16,000
Lubbock, Texas 4 $ 2,290,000 $ 572,500 $ 19,000
Montgomery, Texas 4 $ 2,362,000 $ 590,500 $ 0
Caledonia, Vermont 4 $ 539,000 $ 134,750 $ 162,000
Alexandria, Virginia 4 $ 2,230,000 $ 557,500 $ 510,000
Chesapeake, Virginia 4 $ 808,000 $ 202,000 $ 102,000
Powhatan, Virginia 4 $ 1,163,000 $ 290,750 $ 66,000
Prince William, Virginia 4 $ 1,121,000 $ 280,250 $ 130,000
Clark, Washington 4 $ 2,180,000 $ 545,000 $ 67,000
Pierce, Washington 4 $ 2,331,000 $ 582,750 $ 7,000
Baldwin, Alabama 3 $ 469,000 $ 156,333 $ 173,000
Pinal, Arizona 3 $ 326,000 $ 108,666 $ 97,000
Santa Cruz, California 3 $ 2,055,000 $ 685,000 $ 0
Eagle, Colorado 3 $ 1,633,000 $ 544,333 $ 377,000
Larimer, Colorado 3 $ 2,141,000 $ 713,666 $ 0
Clay, Florida 3 $ 341,000 $ 113,666 $ 56,000
Escambia, Florida 3 $ 1,165,000 $ 388,333 $ 120,000
Hernando, Florida 3 $ 212,000 $ 70,666 $ 57,000
Monroe, Florida 3 $ 1,442,000 $ 480,666 $ 262,000
Paulding, Georgia 3 $ 266,000 $ 88,666 $ 73,000
Iroquois, Illinois 3 $ 175,000 $ 58,333 $ 75,000
Allen, Indiana 3 $ 652,000 $ 217,333 $ 70,000
Madison, Indiana 3 $ 395,000 $ 131,666 $ 108,000
Morgan, Indiana 3 $ 815,000 $ 271,666 $ 59,000
Warrick, Indiana 3 $ 1,726,000 $ 575,333 $ 41,000
Carter, Kentucky 3 $ 316,000 $ 105,333 $ 81,000
Kenton, Kentucky 3 $ 322,000 $ 107,333 $ 53,000
Kennebec, Maine 3 $ 546,000 $ 182,000 $ 121,000
Somerset, Maine 3 $ 360,000 $ 120,000 $ 153,000
Carroll, Maryland 3 $ 532,000 $ 177,333 $ 82,000
Branch, Michigan 3 $ 361,000 $ 120,333 $ 48,000
Clare, Michigan 3 $ 191,000 $ 63,666 $ 64,000
Gogebic, Michigan 3 $ 925,000 $ 308,333 $ 176,000
Ionia, Michigan 3 $ 287,000 $ 95,666 $ 90,000
Iosco, Michigan 3 $ 230,000 $ 76,666 $ 93,000
Mecosta, Michigan 3 $ 232,000 $ 77,333 $ 80,000
Newaygo, Michigan 3 $ 273,000 $ 91,000 $ 36,000
Ogemaw, Michigan 3 $ 239,000 $ 79,666 $ 32,000
St. Charles, Missouri 3 $ 1,490,000 $ 496,666 $ 59,000
Washoe, Nevada 3 $ 967,000 $ 322,333 $ 45,000
Allegany, New York 3 $ 84,000 $ 28,000 $ 52,000
Cabarrus, North Carolina 3 $ 395,000 $ 131,666 $ 87,000
Carteret, North Carolina 3 $ 1,698,000 $ 566,000 $ 237,000
Gaston, North Carolina 3 $ 860,000 $ 286,666 $ 181,000
Guilford, North Carolina 3 $ 336,000 $ 112,000 $ 259,000
Hertford, North Carolina 3 $ 654,000 $ 218,000 $ 73,000
Lincoln, North Carolina 3 $ 1,718,000 $ 572,666 $ 196,000
Ashland, Ohio 3 $ 278,000 $ 92,666 $ 84,000
Belmont, Ohio 3 $ 175,000 $ 58,333 $ 92,000
Greene, Ohio 3 $ 379,000 $ 126,333 $ 91,000
Jackson, Ohio 3 $ 20,000 $ 6,666 $ 32,000
Jefferson, Ohio 3 $ 289,000 $ 96,333 $ 102,000
Miami, Ohio 3 $ 182,000 $ 60,666 $ 46,000
Seneca, Ohio 3 $ 208,000 $ 69,333 $ 61,000
Bedford, Pennsylvania 3 $ 403,000 $ 134,333 $ 47,000
Sullivan, Pennsylvania 3 $ 401,000 $ 133,666 $ 166,000
Greenville, South Carolina 3 $ 710,000 $ 236,666 $ 117,000
Lancaster, South Carolina 3 $ 551,000 $ 183,666 $ 66,000
Knox, Tennessee 3 $ 1,496,000 $ 498,666 $ 36,000
Summit, Utah 3 $ 1,502,000 $ 500,666 $ 287,000
Hampton, Virginia 3 $ 927,000 $ 309,000 $ 80,000
Kitsap, Washington 3 $ 2,133,000 $ 711,000 $ 0
Berkeley, West Virginia 3 $ 895,000 $ 298,333 $ 85,000
Dodge, Wisconsin 3 $ 394,000 $ 131,333 $ 58,000
Door, Wisconsin 3 $ 1,579,000 $ 526,333 $ 102,000
Jefferson, Alabama 2 $ 779,000 $ 389,500 $ 17,000
Mohave, Arizona 2 $ 1,066,000 $ 533,000 $ 22,000
Napa, California 2 $ 1,585,000 $ 792,500 $ 0
Nevada, California 2 $ 1,012,000 $ 506,000 $ 0
San Joaquin, California 2 $ 1,240,000 $ 620,000 $ 0
El Paso, Colorado 2 $ 246,000 $ 123,000 $ 55,000
Alachua, Florida 2 $ 426,000 $ 213,000 $ 98,000
Duval, Florida 2 $ 156,000 $ 78,000 $ 13,000
Leon, Florida 2 $ 169,000 $ 84,500 $ 109,000
Marion, Florida 2 $ 343,000 $ 171,500 $ 98,000
Okaloosa, Florida 2 $ 474,000 $ 237,000 $ 131,000
Santa Rosa, Florida 2 $ 469,000 $ 234,500 $ 176,000
Walton, Florida 2 $ 712,000 $ 356,000 $ 270,000
Bartow, Georgia 2 $ 72,000 $ 36,000 $ 16,000
Fayette, Georgia 2 $ 576,000 $ 288,000 $ 69,000
Forsyth, Georgia 2 $ 790,000 $ 395,000 $ 124,000
Rockdale, Georgia 2 $ 360,000 $ 180,000 $ 106,000
Boone, Illinois 2 $ 101,000 $ 50,500 $ 81,000
Coles, Illinois 2 $ 183,000 $ 91,500 $ 50,000
DeKalb, Illinois 2 $ 147,000 $ 73,500 $ 94,000
Sangamon, Illinois 2 $ 167,000 $ 83,500 $ 55,000
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Mortgage Loan Application Detail Totals for Citizens Bank, NA in 2013

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 33,181 $6,868,542,000 $207,000 $58,000,000 $108,000 $8,854,000
Home Purchase 13,482 $3,195,980,000 $237,000 $10,900,000 $103,000 $8,125,000
Home Improvement 11,768 $381,575,000 $32,000 $24,179,000 $53,000 $3,861,000

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 33,006 $5,491,963,000 $166,000 $4,400,000 $104,000 $8,854,000
Not Provided 14,055 $2,739,227,000 $194,000 $5,950,000 $112,000 $8,125,000
Black or African American 4,646 $274,601,000 $59,000 $1,286,000 $52,000 $1,400,000
Hispanic 3,029 $263,406,000 $86,000 $965,000 $57,000 $1,000,000
Not applicable 1,784 $1,332,019,000 $746,000 $58,000,000 $0 $0
Asian 1,638 $311,771,000 $190,000 $1,925,000 $102,000 $910,000
Native Hawaiian or Other Pacific Islander 138 $21,721,000 $157,000 $900,000 $90,000 $436,000
American Indian or Alaskan Native 135 $11,389,000 $84,000 $1,138,000 $76,000 $715,000

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) 53,259 $9,662,489,000 $181,000 $58,000,000 $100,000 $8,854,000
FHA-insured (Federal Housing Administration) 4,659 $688,579,000 $147,000 $743,000 $57,000 $2,480,000
VA-guaranteed (Veterans Administration) 513 $95,029,000 $185,000 $417,000 $68,000 $496,000
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 30,831 $5,849,204,000 $189,000 $21,090,000 $110,000 $8,125,000
Application Denied By Financial Institution 15,574 $1,437,843,000 $92,000 $25,000,000 $69,000 $8,854,000
File Closed For Incompleteness 4,585 $943,492,000 $205,000 $3,280,000 $113,000 $8,121,000
Application Withdrawn By Applicant 2,682 $669,067,000 $249,000 $58,000,000 $109,000 $2,142,000
Application Approved But Not Accepted 2,637 $517,937,000 $196,000 $40,000,000 $113,000 $1,617,000
Loan Purchased By The Institution 1,752 $975,295,000 $556,000 $2,000,000 $0 $0
Preapproval Denied by Financial Institution 370 $53,259,000 $143,000 $935,000 $53,000 $360,000
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 5,050 $486,505,000 $96,000 $13,700,000 $52,000 $3,861,000
Credit History 4,595 $247,860,000 $53,000 $4,057,000 $56,000 $1,031,000
Collateral 3,213 $522,193,000 $162,000 $4,400,000 $111,000 $5,644,000
Other 1,479 $92,854,000 $62,000 $25,000,000 $71,000 $8,854,000
Unverifiable Information 1,132 $66,080,000 $58,000 $682,000 $65,000 $1,005,000
Insufficient Cash (Downpayment, Closing Cost) 195 $35,160,000 $180,000 $1,449,000 $82,000 $782,000
Credit Application Incomplete 135 $30,641,000 $226,000 $1,500,000 $125,000 $1,000,000
Employment History 127 $6,727,000 $52,000 $368,000 $48,000 $160,000
Mortgage Insurance Denied 18 $3,082,000 $171,000 $417,000 $90,000 $189,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank, NA's 2013 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 Citizens Bank, NA's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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