Citizens Bank, NA Mortgage Lending & HMDA Data, 2014

In 2014, Citizens Bank, NA of Providence, RI reported 32,856 mortgage applications totaling $6.2 billion, down 44% from 2013. The average application was for $187,674, and applicants reported an average income of $103,422. 51% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Providence-Warwick, RI-MA (2,361), Warren-Troy-Farmington Hills, MI (2,144) and Cleveland-Elyria, OH (1,927) (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 32,856
Total Mortgage Loan Application Amount $6,166,245,000
Average Mortgage Loan Application Amount $187,674
Highest Mortgage Loan Application Amount $40,950,000
Average Applicant Income $103,422
Highest Applicant Income $7,846,000

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Act (HMDA) records Citizens Bank, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Wayne, Michigan 1,593 $ 94,294,000 $ 59,192 $ 58,000
Cuyahoga, Ohio 1,387 $ 87,559,000 $ 63,128 $ 62,000
Erie, New York 1,265 $ 75,741,000 $ 59,874 $ 59,000
Cook, Illinois 1,216 $ 266,511,000 $ 219,170 $ 102,000
Providence, Rhode Island 1,167 $ 134,977,000 $ 115,661 $ 75,000
Middlesex, Massachusetts 1,042 $ 373,343,000 $ 358,294 $ 139,000
Oakland, Michigan 993 $ 170,359,000 $ 171,559 $ 103,000
Macomb, Michigan 978 $ 86,786,000 $ 88,738 $ 64,000
Philadelphia, Pennsylvania 976 $ 188,775,000 $ 193,417 $ 101,000
Allegheny, Pennsylvania 705 $ 94,837,000 $ 134,520 $ 95,000
Monroe, New York 688 $ 34,720,000 $ 50,465 $ 54,000
Norfolk, Massachusetts 639 $ 217,104,000 $ 339,755 $ 136,000
Lucas, Ohio 617 $ 33,856,000 $ 54,871 $ 57,000
Suffolk, Massachusetts 579 $ 132,072,000 $ 228,103 $ 114,000
Summit, Ohio 518 $ 41,252,000 $ 79,637 $ 60,000
Montgomery, Pennsylvania 512 $ 140,146,000 $ 273,722 $ 147,000
Stark, Ohio 479 $ 33,739,000 $ 70,436 $ 56,000
Hampden, Massachusetts 470 $ 44,432,000 $ 94,536 $ 58,000
Essex, Massachusetts 457 $ 103,968,000 $ 227,501 $ 110,000
Plymouth, Massachusetts 405 $ 135,446,000 $ 334,434 $ 154,000
Rockingham, New Hampshire 383 $ 88,664,000 $ 231,498 $ 108,000
Bristol, Massachusetts 377 $ 75,757,000 $ 200,946 $ 91,000
Bucks, Pennsylvania 373 $ 92,353,000 $ 247,595 $ 142,000
Hillsborough, New Hampshire 372 $ 70,449,000 $ 189,379 $ 98,000
Kent, Rhode Island 363 $ 56,091,000 $ 154,520 $ 86,000
Chester, Pennsylvania 290 $ 85,710,000 $ 295,551 $ 151,000
Delaware, Pennsylvania 284 $ 56,574,000 $ 199,204 $ 121,000
New Haven, Connecticut 278 $ 53,111,000 $ 191,046 $ 114,000
New London, Connecticut 256 $ 71,788,000 $ 280,421 $ 85,000
New Castle, Delaware 254 $ 43,778,000 $ 172,354 $ 109,000
Lake, Ohio 254 $ 24,763,000 $ 97,492 $ 78,000
Washington, Rhode Island 253 $ 60,557,000 $ 239,355 $ 135,000
Barnstable, Massachusetts 251 $ 59,941,000 $ 238,808 $ 143,000
Niagara, New York 246 $ 10,364,000 $ 42,130 $ 50,000
Worcester, Massachusetts 241 $ 39,571,000 $ 164,195 $ 106,000
DuPage, Illinois 236 $ 89,223,000 $ 378,063 $ 184,000
Onondaga, New York 228 $ 11,878,000 $ 52,096 $ 58,000
Luzerne, Pennsylvania 222 $ 22,830,000 $ 102,837 $ 64,000
Cape May, New Jersey 208 $ 115,913,000 $ 557,274 $ 379,000
Sussex, Delaware 192 $ 54,059,000 $ 281,557 $ 150,000
Berks, Pennsylvania 167 $ 23,530,000 $ 140,898 $ 79,000
Merrimack, New Hampshire 163 $ 24,090,000 $ 147,791 $ 88,000
Franklin, Ohio 158 $ 7,944,000 $ 50,278 $ 52,000
Carroll, New Hampshire 154 $ 20,691,000 $ 134,357 $ 93,000
Albany, New York 154 $ 21,025,000 $ 136,525 $ 89,000
Strafford, New Hampshire 153 $ 19,872,000 $ 129,882 $ 77,000
Fairfield, Connecticut 130 $ 84,152,000 $ 647,323 $ 263,000
Westchester, New York 130 $ 76,643,000 $ 589,561 $ 286,000
Westmoreland, Pennsylvania 124 $ 17,385,000 $ 140,201 $ 96,000
Medina, Ohio 122 $ 14,777,000 $ 121,122 $ 77,000
Hartford, Connecticut 115 $ 18,781,000 $ 163,313 $ 89,000
Middlesex, Connecticut 115 $ 18,772,000 $ 163,234 $ 107,000
Saratoga, New York 113 $ 19,842,000 $ 175,592 $ 91,000
Charleston, South Carolina 113 $ 66,244,000 $ 586,230 $ 249,000
Will, Illinois 112 $ 26,230,000 $ 234,196 $ 116,000
Newport, Rhode Island 111 $ 25,821,000 $ 232,621 $ 119,000
New York, New York 110 $ 104,732,000 $ 952,109 $ 356,000
Mecklenburg, North Carolina 109 $ 65,233,000 $ 598,467 $ 236,000
Washington, Pennsylvania 102 $ 16,424,000 $ 161,019 $ 103,000
Scioto, Ohio 95 $ 4,324,000 $ 45,515 $ 47,000
Kings, New York 94 $ 69,660,000 $ 741,063 $ 278,000
Livingston, Michigan 93 $ 14,112,000 $ 151,741 $ 99,000
Broome, New York 91 $ 3,975,000 $ 43,681 $ 47,000
Erie, Pennsylvania 91 $ 11,988,000 $ 131,736 $ 107,000
Butler, Pennsylvania 90 $ 14,960,000 $ 166,222 $ 88,000
Bristol, Rhode Island 90 $ 21,027,000 $ 233,633 $ 120,000
Belknap, New Hampshire 89 $ 12,552,000 $ 141,033 $ 94,000
Lorain, Ohio 89 $ 10,631,000 $ 119,449 $ 68,000
Beaver, Pennsylvania 87 $ 9,854,000 $ 113,264 $ 69,000
Centre, Pennsylvania 86 $ 15,370,000 $ 178,720 $ 101,000
Lancaster, Pennsylvania 86 $ 11,030,000 $ 128,255 $ 83,000
Orange, New York 83 $ 11,251,000 $ 135,554 $ 95,000
Washtenaw, Michigan 81 $ 11,977,000 $ 147,864 $ 100,000
Ocean, New Jersey 81 $ 31,794,000 $ 392,518 $ 213,000
Camden, New Jersey 80 $ 15,949,000 $ 199,362 $ 134,000
Kent, Delaware 79 $ 10,507,000 $ 133,000 $ 70,000
Grafton, New Hampshire 79 $ 10,923,000 $ 138,265 $ 107,000
Portage, Ohio 79 $ 9,143,000 $ 115,734 $ 69,000
Fairfax, Virginia 78 $ 64,175,000 $ 822,756 $ 253,000
Lake, Illinois 77 $ 43,726,000 $ 567,870 $ 291,000
Rockland, New York 76 $ 29,839,000 $ 392,618 $ 203,000
Coos, New Hampshire 75 $ 4,940,000 $ 65,866 $ 66,000
Wayne, New York 75 $ 3,702,000 $ 49,360 $ 45,000
Geauga, Ohio 75 $ 12,506,000 $ 166,746 $ 88,000
Hampshire, Massachusetts 73 $ 12,293,000 $ 168,397 $ 90,000
Burlington, New Jersey 73 $ 23,565,000 $ 322,808 $ 275,000
Beaufort, South Carolina 72 $ 30,925,000 $ 429,513 $ 227,000
Monroe, Pennsylvania 71 $ 11,712,000 $ 164,957 $ 108,000
York, Pennsylvania 70 $ 11,219,000 $ 160,271 $ 103,000
Atlantic, New Jersey 69 $ 31,813,000 $ 461,057 $ 317,000
Otsego, New York 67 $ 3,939,000 $ 58,791 $ 47,000
York, Maine 66 $ 12,494,000 $ 189,303 $ 117,000
Bergen, New Jersey 66 $ 30,569,000 $ 463,166 $ 242,000
Monroe, Michigan 65 $ 5,781,000 $ 88,938 $ 57,000
Oneida, New York 65 $ 2,076,000 $ 31,938 $ 45,000
Blair, Pennsylvania 64 $ 6,583,000 $ 102,859 $ 58,000
Dauphin, Pennsylvania 63 $ 9,199,000 $ 146,015 $ 96,000
Ontario, New York 62 $ 5,705,000 $ 92,016 $ 81,000
Dutchess, New York 61 $ 11,792,000 $ 193,311 $ 113,000
Berkshire, Massachusetts 59 $ 6,100,000 $ 103,389 $ 82,000
Shiawassee, Michigan 59 $ 2,432,000 $ 41,220 $ 46,000
St. Clair, Michigan 57 $ 7,069,000 $ 124,017 $ 85,000
Ulster, New York 56 $ 5,875,000 $ 104,910 $ 69,000
Wood, Ohio 56 $ 5,200,000 $ 92,857 $ 59,000
Chittenden, Vermont 56 $ 11,316,000 $ 202,071 $ 122,000
Kent, Michigan 54 $ 6,738,000 $ 124,777 $ 67,000
Rensselaer, New York 54 $ 5,011,000 $ 92,796 $ 68,000
Rutland, Vermont 53 $ 6,300,000 $ 118,867 $ 75,000
Cumberland, Pennsylvania 52 $ 8,036,000 $ 154,538 $ 104,000
Marion, Indiana 51 $ 5,655,000 $ 110,882 $ 66,000
Suffolk, New York 51 $ 29,828,000 $ 584,862 $ 300,000
Mahoning, Ohio 50 $ 3,279,000 $ 65,580 $ 53,000
Windsor, Vermont 49 $ 6,024,000 $ 122,938 $ 94,000
Cheshire, New Hampshire 48 $ 6,514,000 $ 135,708 $ 85,000
Gloucester, New Jersey 46 $ 8,894,000 $ 193,347 $ 110,000
Columbiana, Ohio 46 $ 4,309,000 $ 93,673 $ 77,000
Anne Arundel, Maryland 45 $ 25,531,000 $ 567,355 $ 179,000
Baltimore, Maryland 45 $ 22,341,000 $ 496,466 $ 207,000
Kane, Illinois 43 $ 11,748,000 $ 273,209 $ 117,000
Schenectady, New York 43 $ 3,232,000 $ 75,162 $ 68,000
Richmond City, Virginia 43 $ 10,688,000 $ 248,558 $ 147,000
Genesee, Michigan 42 $ 6,016,000 $ 143,238 $ 86,000
Ingham, Michigan 42 $ 5,162,000 $ 122,904 $ 114,000
Saginaw, Michigan 41 $ 1,668,000 $ 40,682 $ 52,000
Livingston, New York 41 $ 1,195,000 $ 29,146 $ 59,000
Nassau, New York 41 $ 23,685,000 $ 577,682 $ 246,000
Lehigh, Pennsylvania 41 $ 7,654,000 $ 186,682 $ 123,000
Windham, Connecticut 40 $ 5,117,000 $ 127,925 $ 72,000
Monmouth, New Jersey 39 $ 13,975,000 $ 358,333 $ 157,000
Warren, New York 38 $ 6,794,000 $ 178,789 $ 94,000
Sullivan, New Hampshire 35 $ 3,493,000 $ 99,800 $ 80,000
Madison, New York 35 $ 961,000 $ 27,457 $ 43,000
Forsyth, North Carolina 35 $ 9,917,000 $ 283,342 $ 161,000
Lackawanna, Pennsylvania 34 $ 5,813,000 $ 170,970 $ 94,000
Hanover, Virginia 34 $ 10,892,000 $ 320,352 $ 185,000
Bennington, Vermont 33 $ 4,840,000 $ 146,666 $ 107,000
Tolland, Connecticut 32 $ 5,387,000 $ 168,343 $ 125,000
Hamilton, Indiana 32 $ 9,415,000 $ 294,218 $ 133,000
Union, North Carolina 32 $ 21,041,000 $ 657,531 $ 219,000
Essex, New Jersey 31 $ 23,445,000 $ 756,290 $ 252,000
Kalamazoo, Michigan 30 $ 3,250,000 $ 108,333 $ 80,000
Oswego, New York 30 $ 1,021,000 $ 34,033 $ 52,000
Queens, New York 30 $ 11,130,000 $ 371,000 $ 167,000
Fairfield, Ohio 30 $ 2,212,000 $ 73,733 $ 52,000
Hamilton, Ohio 30 $ 5,049,000 $ 168,300 $ 81,000
Trumbull, Ohio 30 $ 2,034,000 $ 67,800 $ 63,000
Northampton, Pennsylvania 30 $ 6,817,000 $ 227,233 $ 118,000
Windham, Vermont 30 $ 4,633,000 $ 154,433 $ 96,000
Henrico, Virginia 30 $ 7,329,000 $ 244,300 $ 107,000
McHenry, Illinois 29 $ 5,382,000 $ 185,586 $ 93,000
Montgomery, Maryland 29 $ 21,165,000 $ 729,827 $ 243,000
Pike, Pennsylvania 29 $ 3,512,000 $ 121,103 $ 106,000
Loudoun, Virginia 28 $ 24,363,000 $ 870,107 $ 301,000
Carbon, Pennsylvania 27 $ 3,684,000 $ 136,444 $ 81,000
Berkeley, South Carolina 27 $ 14,857,000 $ 550,259 $ 213,000
Howard, Maryland 26 $ 22,828,000 $ 878,000 $ 269,000
Cortland, New York 26 $ 558,000 $ 21,461 $ 40,000
Herkimer, New York 26 $ 532,000 $ 20,461 $ 42,000
Wake, North Carolina 26 $ 11,074,000 $ 425,923 $ 163,000
Wayne, Ohio 26 $ 2,053,000 $ 78,961 $ 53,000
Mercer, Pennsylvania 26 $ 3,125,000 $ 120,192 $ 85,000
Lapeer, Michigan 23 $ 3,455,000 $ 150,217 $ 57,000
Morris, New Jersey 23 $ 10,877,000 $ 472,913 $ 215,000
Orleans, New York 23 $ 1,095,000 $ 47,608 $ 45,000
Lee, Florida 22 $ 3,644,000 $ 165,636 $ 96,000
Cumberland, Maine 22 $ 6,653,000 $ 302,409 $ 201,000
Iredell, North Carolina 22 $ 14,233,000 $ 646,954 $ 242,000
Tuscarawas, Ohio 22 $ 2,412,000 $ 109,636 $ 59,000
Armstrong, Pennsylvania 22 $ 2,236,000 $ 101,636 $ 63,000
Lycoming, Pennsylvania 22 $ 2,984,000 $ 135,636 $ 56,000
Palm Beach, Florida 21 $ 9,373,000 $ 446,333 $ 385,000
Middlesex, New Jersey 21 $ 6,404,000 $ 304,952 $ 164,000
Chautauqua, New York 21 $ 1,512,000 $ 72,000 $ 171,000
Washington, New York 21 $ 2,249,000 $ 107,095 $ 75,000
Crawford, Pennsylvania 21 $ 2,146,000 $ 102,190 $ 96,000
Collier, Florida 20 $ 4,906,000 $ 245,300 $ 166,000
Tompkins, New York 20 $ 629,000 $ 31,450 $ 52,000
Warren, Ohio 20 $ 4,430,000 $ 221,500 $ 87,000
Franklin, Vermont 20 $ 2,405,000 $ 120,250 $ 67,000
Chesterfield, Virginia 19 $ 5,149,000 $ 271,000 $ 126,000
Maricopa, Arizona 18 $ 6,194,000 $ 344,111 $ 159,000
Fulton, New York 18 $ 986,000 $ 54,777 $ 62,000
Clinton, Michigan 17 $ 2,651,000 $ 155,941 $ 87,000
Ottawa, Michigan 17 $ 2,693,000 $ 158,411 $ 109,000
Arlington, Virginia 17 $ 10,704,000 $ 629,647 $ 215,000
Kendall, Illinois 16 $ 2,223,000 $ 138,937 $ 84,000
Harford, Maryland 16 $ 7,743,000 $ 483,937 $ 150,000
Allegan, Michigan 16 $ 2,825,000 $ 176,562 $ 102,000
Ottawa, Ohio 16 $ 1,130,000 $ 70,625 $ 89,000
Schuylkill, Pennsylvania 16 $ 2,290,000 $ 143,125 $ 94,000
York, South Carolina 16 $ 7,901,000 $ 493,812 $ 203,000
Chenango, New York 15 $ 629,000 $ 41,933 $ 38,000
Richmond, New York 15 $ 4,436,000 $ 295,733 $ 124,000
Sullivan, New York 15 $ 2,280,000 $ 152,000 $ 111,000
Cabarrus, North Carolina 15 $ 3,981,000 $ 265,400 $ 159,000
Essex, Vermont 15 $ 1,048,000 $ 69,866 $ 73,000
Pinellas, Florida 14 $ 2,098,000 $ 149,857 $ 147,000
Franklin, Massachusetts 14 $ 1,419,000 $ 101,357 $ 62,000
Somerset, New Jersey 14 $ 6,703,000 $ 478,785 $ 278,000
Wyoming, New York 14 $ 1,593,000 $ 113,785 $ 114,000
Fulton, Ohio 14 $ 1,137,000 $ 81,214 $ 50,000
Horry, South Carolina 14 $ 2,435,000 $ 173,928 $ 220,000
James City, Virginia 14 $ 5,521,000 $ 394,357 $ 187,000
Cecil, Maryland 13 $ 3,069,000 $ 236,076 $ 215,000
Union, New Jersey 13 $ 7,512,000 $ 577,846 $ 282,000
Montgomery, New York 13 $ 773,000 $ 59,461 $ 70,000
Putnam, New York 13 $ 3,035,000 $ 233,461 $ 168,000
New Hanover, North Carolina 13 $ 4,429,000 $ 340,692 $ 199,000
Montgomery, Ohio 13 $ 1,953,000 $ 150,230 $ 111,000
Los Angeles, California 12 $ 10,141,000 $ 845,083 $ 245,000
District of Columbia, District Of Columbia 12 $ 7,162,000 $ 596,833 $ 248,000
Oxford, Maine 12 $ 1,742,000 $ 145,166 $ 97,000
Warren, New Jersey 12 $ 2,924,000 $ 243,666 $ 173,000
Clinton, New York 12 $ 1,508,000 $ 125,666 $ 93,000
Buncombe, North Carolina 12 $ 2,269,000 $ 189,083 $ 76,000
Butler, Ohio 12 $ 2,398,000 $ 199,833 $ 126,000
Carroll, Ohio 12 $ 918,000 $ 76,500 $ 56,000
Orange, Vermont 12 $ 1,262,000 $ 105,166 $ 65,000
Prince William, Virginia 12 $ 6,740,000 $ 561,666 $ 254,000
Brevard, Florida 11 $ 1,494,000 $ 135,818 $ 180,000
Lake, Indiana 11 $ 729,000 $ 66,272 $ 48,000
Prince George's, Maryland 11 $ 4,843,000 $ 440,272 $ 166,000
Nantucket, Massachusetts 11 $ 8,089,000 $ 735,363 $ 501,000
Mercer, New Jersey 11 $ 5,558,000 $ 505,272 $ 194,000
Schoharie, New York 11 $ 863,000 $ 78,454 $ 59,000
Lawrence, Pennsylvania 11 $ 4,147,000 $ 377,000 $ 113,000
Broward, Florida 10 $ 3,234,000 $ 323,400 $ 156,000
Manatee, Florida 10 $ 1,376,000 $ 137,600 $ 120,000
Eaton, Michigan 10 $ 1,303,000 $ 130,300 $ 57,000
St. Louis, Missouri 10 $ 2,492,000 $ 249,200 $ 74,000
Delaware, New York 10 $ 814,000 $ 81,400 $ 92,000
Rowan, North Carolina 10 $ 1,311,000 $ 131,100 $ 54,000
Ashtabula, Ohio 10 $ 613,000 $ 61,300 $ 56,000
Indiana, Pennsylvania 10 $ 930,000 $ 93,000 $ 91,000
Greenville, South Carolina 10 $ 4,395,000 $ 439,500 $ 134,000
Addison, Vermont 10 $ 1,710,000 $ 171,000 $ 88,000
Washington, Vermont 10 $ 1,749,000 $ 174,900 $ 124,000
Marin, California 9 $ 7,144,000 $ 793,777 $ 2,000
San Diego, California 9 $ 6,417,000 $ 713,000 $ 182,000
Miami-Dade, Florida 9 $ 11,543,000 $ 1,282,555 $ 486,000
Jefferson, Kentucky 9 $ 1,735,000 $ 192,777 $ 119,000
Worcester, Maryland 9 $ 2,087,000 $ 231,888 $ 281,000
Hudson, New Jersey 9 $ 4,467,000 $ 496,333 $ 213,000
Steuben, New York 9 $ 180,000 $ 20,000 $ 67,000
Brunswick, North Carolina 9 $ 3,307,000 $ 367,444 $ 263,000
Delaware, Ohio 9 $ 1,961,000 $ 217,888 $ 124,000
Huntingdon, Pennsylvania 9 $ 1,323,000 $ 147,000 $ 85,000
Wayne, Pennsylvania 9 $ 1,850,000 $ 205,555 $ 89,000
Charlotte, Florida 8 $ 1,369,000 $ 171,125 $ 200,000
Dukes, Massachusetts 8 $ 3,452,000 $ 431,500 $ 283,000
Berrien, Michigan 8 $ 4,667,000 $ 583,375 $ 244,000
Calhoun, Michigan 8 $ 1,141,000 $ 142,625 $ 88,000
Jackson, Michigan 8 $ 971,000 $ 121,375 $ 91,000
Hunterdon, New Jersey 8 $ 2,093,000 $ 261,625 $ 152,000
Cattaraugus, New York 8 $ 854,000 $ 106,750 $ 85,000
Tioga, New York 8 $ 225,000 $ 28,125 $ 35,000
Lincoln, North Carolina 8 $ 3,441,000 $ 430,125 $ 142,000
Lebanon, Pennsylvania 8 $ 1,059,000 $ 132,375 $ 83,000
Mifflin, Pennsylvania 8 $ 830,000 $ 103,750 $ 58,000
Venango, Pennsylvania 8 $ 874,000 $ 109,250 $ 69,000
Alameda, California 7 $ 4,969,000 $ 709,857 $ 129,000
Hillsborough, Florida 7 $ 1,037,000 $ 148,142 $ 95,000
Lake, Florida 7 $ 1,101,000 $ 157,285 $ 91,000
Volusia, Florida 7 $ 628,000 $ 89,714 $ 80,000
Hendricks, Indiana 7 $ 709,000 $ 101,285 $ 55,000
Barry, Michigan 7 $ 870,000 $ 124,285 $ 50,000
Sussex, New Jersey 7 $ 1,447,000 $ 206,714 $ 539,000
Cayuga, New York 7 $ 216,000 $ 30,857 $ 38,000
Essex, New York 7 $ 1,048,000 $ 149,714 $ 73,000
Genesee, New York 7 $ 939,000 $ 134,142 $ 85,000
Gaston, North Carolina 7 $ 2,725,000 $ 389,285 $ 167,000
Clermont, Ohio 7 $ 1,105,000 $ 157,857 $ 83,000
Erie, Ohio 7 $ 727,000 $ 103,857 $ 74,000
Clearfield, Pennsylvania 7 $ 637,000 $ 91,000 $ 48,000
Somerset, Pennsylvania 7 $ 1,312,000 $ 187,428 $ 165,000
Lexington, South Carolina 7 $ 2,596,000 $ 370,857 $ 132,000
Alexandria, Virginia 7 $ 4,253,000 $ 607,571 $ 101,000
Orange, California 6 $ 5,700,000 $ 950,000 $ 92,000
San Francisco, California 6 $ 4,150,000 $ 691,666 $ 99,000
San Mateo, California 6 $ 4,519,000 $ 753,166 $ 30,000
Marion, Florida 6 $ 975,000 $ 162,500 $ 116,000
Pasco, Florida 6 $ 1,086,000 $ 181,000 $ 100,000
Sarasota, Florida 6 $ 1,558,000 $ 259,666 $ 149,000
St. Lucie, Florida 6 $ 644,000 $ 107,333 $ 123,000
Grand Traverse, Michigan 6 $ 1,250,000 $ 208,333 $ 92,000
St. Joseph, Michigan 6 $ 1,174,000 $ 195,666 $ 63,000
Dare, North Carolina 6 $ 1,715,000 $ 285,833 $ 180,000
Huron, Ohio 6 $ 362,000 $ 60,333 $ 64,000
Licking, Ohio 6 $ 605,000 $ 100,833 $ 87,000
Sandusky, Ohio 6 $ 417,000 $ 69,500 $ 61,000
Fayette, Pennsylvania 6 $ 1,049,000 $ 174,833 $ 78,000
Dorchester, South Carolina 6 $ 1,317,000 $ 219,500 $ 87,000
Grand Isle, Vermont 6 $ 1,162,000 $ 193,666 $ 115,000
Goochland, Virginia 6 $ 3,313,000 $ 552,166 $ 169,000
King William, Virginia 6 $ 1,992,000 $ 332,000 $ 103,000
New Kent, Virginia 6 $ 1,619,000 $ 269,833 $ 111,000
Litchfield, Connecticut 5 $ 635,000 $ 127,000 $ 184,000
Hernando, Florida 5 $ 609,000 $ 121,800 $ 132,000
Polk, Florida 5 $ 653,000 $ 130,600 $ 62,000
Sumter, Florida 5 $ 797,000 $ 159,400 $ 145,000
Cobb, Georgia 5 $ 2,047,000 $ 409,400 $ 94,000
Kankakee, Illinois 5 $ 929,000 $ 185,800 $ 98,000
Allen, Indiana 5 $ 1,217,000 $ 243,400 $ 120,000
Orleans, Louisiana 5 $ 1,743,000 $ 348,600 $ 138,000
Baltimore City, Maryland 5 $ 579,000 $ 115,800 $ 137,000
Carroll, Maryland 5 $ 2,089,000 $ 417,800 $ 138,000
Antrim, Michigan 5 $ 774,000 $ 154,800 $ 170,000
Hillsdale, Michigan 5 $ 738,000 $ 147,600 $ 74,000
Ionia, Michigan 5 $ 751,000 $ 150,200 $ 96,000
Salem, New Jersey 5 $ 844,000 $ 168,800 $ 144,000
Bronx, New York 5 $ 1,053,000 $ 210,600 $ 116,000
Currituck, North Carolina 5 $ 3,242,000 $ 648,400 $ 244,000
Henderson, North Carolina 5 $ 1,231,000 $ 246,200 $ 139,000
Lee, North Carolina 5 $ 886,000 $ 177,200 $ 85,000
Adams, Pennsylvania 5 $ 919,000 $ 183,800 $ 88,000
Columbia, Pennsylvania 5 $ 412,000 $ 82,400 $ 46,000
Franklin, Pennsylvania 5 $ 501,000 $ 100,200 $ 75,000
Susquehanna, Pennsylvania 5 $ 776,000 $ 155,200 $ 85,000
Spartanburg, South Carolina 5 $ 1,404,000 $ 280,800 $ 100,000
Lamoille, Vermont 5 $ 1,383,000 $ 276,600 $ 162,000
Spotsylvania, Virginia 5 $ 1,464,000 $ 292,800 $ 151,000
Baldwin, Alabama 4 $ 614,000 $ 153,500 $ 290,000
Contra Costa, California 4 $ 2,617,000 $ 654,250 $ 39,000
Flagler, Florida 4 $ 757,000 $ 189,250 $ 135,000
Martin, Florida 4 $ 641,000 $ 160,250 $ 68,000
Monroe, Florida 4 $ 2,048,000 $ 512,000 $ 736,000
Orange, Florida 4 $ 1,200,000 $ 300,000 $ 361,000
St. Johns, Florida 4 $ 1,112,000 $ 278,000 $ 127,000
Chatham, Georgia 4 $ 322,000 $ 80,500 $ 62,000
Fulton, Georgia 4 $ 677,000 $ 169,250 $ 130,000
Grundy, Illinois 4 $ 223,000 $ 55,750 $ 44,000
Johnson, Indiana 4 $ 340,000 $ 85,000 $ 88,000
Greenup, Kentucky 4 $ 667,000 $ 166,750 $ 136,000
East Baton Rouge, Louisiana 4 $ 1,266,000 $ 316,500 $ 223,000
St. Mary's, Maryland 4 $ 1,318,000 $ 329,500 $ 143,000
Talbot, Maryland 4 $ 2,851,000 $ 712,750 $ 274,000
Benzie, Michigan 4 $ 645,000 $ 161,250 $ 159,000
Cass, Michigan 4 $ 522,000 $ 130,500 $ 81,000
Charlevoix, Michigan 4 $ 1,628,000 $ 407,000 $ 241,000
Cheboygan, Michigan 4 $ 265,000 $ 66,250 $ 70,000
Iosco, Michigan 4 $ 654,000 $ 163,500 $ 108,000
Lenawee, Michigan 4 $ 829,000 $ 207,250 $ 174,000
Otsego, Michigan 4 $ 430,000 $ 107,500 $ 119,000
Van Buren, Michigan 4 $ 714,000 $ 178,500 $ 154,000
Passaic, New Jersey 4 $ 755,000 $ 188,750 $ 155,000
Columbia, New York 4 $ 982,000 $ 245,500 $ 117,000
Franklin, New York 4 $ 150,000 $ 37,500 $ 66,000
Jefferson, New York 4 $ 595,000 $ 148,750 $ 232,000
Seneca, New York 4 $ 437,000 $ 109,250 $ 72,000
Haywood, North Carolina 4 $ 1,696,000 $ 424,000 $ 159,000
Henry, Ohio 4 $ 23,000 $ 5,750 $ 40,000
Tulsa, Oklahoma 4 $ 332,000 $ 83,000 $ 51,000
Anderson, South Carolina 4 $ 784,000 $ 196,000 $ 124,000
Albemarle, Virginia 4 $ 2,171,000 $ 542,750 $ 414,000
King, Washington 4 $ 2,301,000 $ 575,250 $ 106,000
Santa Clara, California 3 $ 2,132,000 $ 710,666 $ 33,000
Jefferson, Colorado 3 $ 21,144,000 $ 7,048,000 $ 130,000
Citrus, Florida 3 $ 380,000 $ 126,666 $ 82,000
Duval, Florida 3 $ 206,000 $ 68,666 $ 72,000
Highlands, Florida 3 $ 276,000 $ 92,000 $ 73,000
Indian River, Florida 3 $ 467,000 $ 155,666 $ 69,000
Osceola, Florida 3 $ 1,082,000 $ 360,666 $ 308,000
LaPorte, Indiana 3 $ 913,000 $ 304,333 $ 160,000
Morgan, Indiana 3 $ 318,000 $ 106,000 $ 46,000
Boyd, Kentucky 3 $ 149,000 $ 49,666 $ 40,000
Caroline, Maryland 3 $ 954,000 $ 318,000 $ 108,000
Alcona, Michigan 3 $ 216,000 $ 72,000 $ 76,000
Clare, Michigan 3 $ 207,000 $ 69,000 $ 114,000
Huron, Michigan 3 $ 369,000 $ 123,000 $ 160,000
Mason, Michigan 3 $ 287,000 $ 95,666 $ 71,000
Montcalm, Michigan 3 $ 175,000 $ 58,333 $ 39,000
Roscommon, Michigan 3 $ 432,000 $ 144,000 $ 68,000
Hennepin, Minnesota 3 $ 2,117,000 $ 705,666 $ 246,000
DeSoto, Mississippi 3 $ 826,000 $ 275,333 $ 147,000
Clark, Nevada 3 $ 349,000 $ 116,333 $ 100,000
Cumberland, New Jersey 3 $ 353,000 $ 117,666 $ 61,000
Chemung, New York 3 $ 30,000 $ 10,000 $ 45,000
Hamilton, New York 3 $ 433,000 $ 144,333 $ 67,000
Lewis, New York 3 $ 200,000 $ 66,666 $ 37,000
Craven, North Carolina 3 $ 357,000 $ 119,000 $ 61,000
Johnston, North Carolina 3 $ 749,000 $ 249,666 $ 188,000
Orange, North Carolina 3 $ 1,104,000 $ 368,000 $ 136,000
Rutherford, North Carolina 3 $ 600,000 $ 200,000 $ 179,000
Greene, Ohio 3 $ 345,000 $ 115,000 $ 72,000
Pickaway, Ohio 3 $ 311,000 $ 103,666 $ 54,000
Richland, Ohio 3 $ 88,000 $ 29,333 $ 46,000
Cambria, Pennsylvania 3 $ 225,000 $ 75,000 $ 38,000
Clarion, Pennsylvania 3 $ 277,000 $ 92,333 $ 129,000
Northumberland, Pennsylvania 3 $ 625,000 $ 208,333 $ 86,000
Perry, Pennsylvania 3 $ 450,000 $ 150,000 $ 48,000
Florence, South Carolina 3 $ 267,000 $ 89,000 $ 49,000
Georgetown, South Carolina 3 $ 287,000 $ 95,666 $ 108,000
Davidson, Tennessee 3 $ 608,000 $ 202,666 $ 103,000
Gloucester, Virginia 3 $ 837,000 $ 279,000 $ 166,000
Lancaster, Virginia 3 $ 1,433,000 $ 477,666 $ 206,000
Louisa, Virginia 3 $ 826,000 $ 275,333 $ 88,000
Prince George, Virginia 3 $ 725,000 $ 241,666 $ 77,000
Virginia Beach, Virginia 3 $ 2,619,000 $ 873,000 $ 191,000
York, Virginia 3 $ 1,492,000 $ 497,333 $ 165,000
Hancock, West Virginia 3 $ 95,000 $ 31,666 $ 43,000
Kenosha, Wisconsin 3 $ 663,000 $ 221,000 $ 598,000
Milwaukee, Wisconsin 3 $ 397,000 $ 132,333 $ 309,000
Walworth, Wisconsin 3 $ 1,705,000 $ 568,333 $ 517,000
Montgomery, Alabama 2 $ 256,000 $ 128,000 $ 40,000
Pima, Arizona 2 $ 548,000 $ 274,000 $ 147,000
Sonoma, California 2 $ 1,838,000 $ 919,000 $ 417,000
Eagle, Colorado 2 $ 728,000 $ 364,000 $ 165,000
El Paso, Colorado 2 $ 332,000 $ 166,000 $ 90,000
Okaloosa, Florida 2 $ 357,000 $ 178,500 $ 132,000
Butts, Georgia 2 $ 488,000 $ 244,000 $ 97,000
Jackson, Georgia 2 $ 257,000 $ 128,500 $ 54,000
Rockdale, Georgia 2 $ 100,000 $ 50,000 $ 17,000
Ada, Idaho 2 $ 134,000 $ 67,000 $ 45,000
DeKalb, Illinois 2 $ 265,000 $ 132,500 $ 305,000
St. Clair, Illinois 2 $ 124,000 $ 62,000 $ 148,000
Floyd, Indiana 2 $ 274,000 $ 137,000 $ 62,000
Hancock, Indiana 2 $ 136,000 $ 68,000 $ 71,000
Madison, Indiana 2 $ 145,000 $ 72,500 $ 37,000
Monroe, Indiana 2 $ 113,000 $ 56,500 $ 40,000
Montgomery, Indiana 2 $ 106,000 $ 53,000 $ 100,000
Boone, Kentucky 2 $ 300,000 $ 150,000 $ 64,000
Bullitt, Kentucky 2 $ 182,000 $ 91,000 $ 20,000
Campbell, Kentucky 2 $ 151,000 $ 75,500 $ 102,000
Kenton, Kentucky 2 $ 240,000 $ 120,000 $ 76,000
Franklin, Maine 2 $ 235,000 $ 117,500 $ 114,000
Kennebec, Maine 2 $ 88,000 $ 44,000 $ 109,000
Piscataquis, Maine 2 $ 108,000 $ 54,000 $ 65,000
Sagadahoc, Maine 2 $ 475,000 $ 237,500 $ 164,000
Charles, Maryland 2 $ 438,000 $ 219,000 $ 83,000
Garrett, Maryland 2 $ 904,000 $ 452,000 $ 327,000
Queen Anne's, Maryland 2 $ 490,000 $ 245,000 $ 69,000
Somerset, Maryland 2 $ 347,000 $ 173,500 $ 204,000
Arenac, Michigan 2 $ 85,000 $ 42,500 $ 94,000
Branch, Michigan 2 $ 384,000 $ 192,000 $ 252,000
Mecosta, Michigan 2 $ 220,000 $ 110,000 $ 45,000
Missaukee, Michigan 2 $ 207,000 $ 103,500 $ 31,000
Montmorency, Michigan 2 $ 212,000 $ 106,000 $ 126,000
Oceana, Michigan 2 $ 580,000 $ 290,000 $ 66,000
Perry, Missouri 2 $ 198,000 $ 99,000 $ 66,000
Allegany, New York 2 $ 352,000 $ 176,000 $ 392,000
Greene, New York 2 $ 281,000 $ 140,500 $ 121,000
Schuyler, New York 2 $ 12,000 $ 6,000 $ 47,000
Yates, New York 2 $ 258,000 $ 129,000 $ 249,000
Carteret, North Carolina 2 $ 123,000 $ 61,500 $ 95,000
Catawba, North Carolina 2 $ 1,352,000 $ 676,000 $ 225,000
Cherokee, North Carolina 2 $ 548,000 $ 274,000 $ 116,000
Davidson, North Carolina 2 $ 359,000 $ 179,500 $ 181,000
Durham, North Carolina 2 $ 583,000 $ 291,500 $ 84,000
Granville, North Carolina 2 $ 305,000 $ 152,500 $ 85,000
Guilford, North Carolina 2 $ 276,000 $ 138,000 $ 47,000
Pender, North Carolina 2 $ 270,000 $ 135,000 $ 44,000
Watauga, North Carolina 2 $ 437,000 $ 218,500 $ 147,000
Adams, Ohio 2 $ 13,000 $ 6,500 $ 38,000
Ashland, Ohio 2 $ 231,000 $ 115,500 $ 70,000
Jefferson, Ohio 2 $ 190,000 $ 95,000 $ 13,000
Morrow, Ohio 2 $ 106,000 $ 53,000 $ 41,000
Pike, Ohio 2 $ 146,000 $ 73,000 $ 93,000
Preble, Ohio 2 $ 281,000 $ 140,500 $ 92,000
Union, Ohio 2 $ 20,000 $ 10,000 $ 0
Multnomah, Oregon 2 $ 381,000 $ 190,500 $ 137,000
Washington, Oregon 2 $ 516,000 $ 258,000 $ 81,000
Bedford, Pennsylvania 2 $ 262,000 $ 131,000 $ 117,000
Fulton, Pennsylvania 2 $ 270,000 $ 135,000 $ 81,000
Potter, Pennsylvania 2 $ 290,000 $ 145,000 $ 90,000
Sullivan, Pennsylvania 2 $ 278,000 $ 139,000 $ 167,000
Jasper, South Carolina 2 $ 425,000 $ 212,500 $ 133,000
Pickens, South Carolina 2 $ 335,000 $ 167,500 $ 56,000
Richland, South Carolina 2 $ 364,000 $ 182,000 $ 50,000
Hamilton, Tennessee 2 $ 410,000 $ 205,000 $ 75,000
Madison, Tennessee 2 $ 180,000 $ 90,000 $ 72,000
Bexar, Texas 2 $ 389,000 $ 194,500 $ 65,000
Dallas, Texas 2 $ 1,964,000 $ 982,000 $ 400,000
Harris, Texas 2 $ 860,000 $ 430,000 $ 12,000
Summit, Utah 2 $ 1,680,000 $ 840,000 $ 294,000
Caroline, Virginia 2 $ 588,000 $ 294,000 $ 122,000
Chesapeake, Virginia 2 $ 294,000 $ 147,000 $ 75,000
Essex, Virginia 2 $ 926,000 $ 463,000 $ 125,000
Fauquier, Virginia 2 $ 1,160,000 $ 580,000 $ 141,000
Franklin, Virginia 2 $ 183,000 $ 91,500 $ 98,000
Norfolk, Virginia 2 $ 645,000 $ 322,500 $ 355,000
Orange, Virginia 2 $ 455,000 $ 227,500 $ 132,000
Powhatan, Virginia 2 $ 292,000 $ 146,000 $ 91,000
Westmoreland, Virginia 2 $ 486,000 $ 243,000 $ 68,000
Spokane, Washington 2 $ 254,000 $ 127,000 $ 133,000
Greenbrier, West Virginia 2 $ 2,975,000 $ 1,487,500 $ 474,000
DeKalb, Alabama 1 $ 191,000 $ 191,000 $ 39,000
Madison, Alabama 1 $ 219,000 $ 219,000 $ 75,000
Shelby, Alabama 1 $ 60,000 $ 60,000 $ 25,000
Mohave, Arizona 1 $ 60,000 $ 60,000 $ 27,000
Yavapai, Arizona 1 $ 208,000 $ 208,000 $ 112,000
El Dorado, California 1 $ 326,000 $ 326,000 $ 503,000
Merced, California 1 $ 243,000 $ 243,000 $ 68,000
Placer, California 1 $ 60,000 $ 60,000 $ 88,000
Riverside, California 1 $ 225,000 $ 225,000 $ 357,000
San Bernardino, California 1 $ 180,000 $ 180,000 $ 37,000
Santa Barbara, California 1 $ 451,000 $ 451,000 $ 0
Stanislaus, California 1 $ 502,000 $ 502,000 $ 0
Tulare, California 1 $ 219,000 $ 219,000 $ 250,000
Yuba, California 1 $ 270,000 $ 270,000 $ 62,000
Arapahoe, Colorado 1 $ 77,000 $ 77,000 $ 84,000
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Mortgage Loan Application Detail Totals for Citizens Bank, NA in 2014

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 14,554 $2,595,905,000 $178,000 $20,000,000 $106,000 $7,846,000
Home Purchase 11,387 $3,291,867,000 $289,000 $40,950,000 $135,000 $4,111,000
Home Improvement 6,915 $278,473,000 $40,000 $40,000,000 $46,000 $1,080,000

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 17,488 $3,273,549,000 $187,000 $5,625,000 $108,000 $5,224,000
Not Provided 9,843 $1,991,907,000 $202,000 $4,000,000 $118,000 $7,846,000
Black or African American 2,811 $163,167,000 $58,000 $1,500,000 $51,000 $1,557,000
Hispanic 1,531 $155,647,000 $101,000 $4,800,000 $60,000 $1,266,000
Asian 843 $234,286,000 $277,000 $3,750,000 $120,000 $1,917,000
Not applicable 225 $331,693,000 $1,474,000 $40,950,000 $32,000 $154,000
Native Hawaiian or Other Pacific Islander 62 $12,609,000 $203,000 $2,080,000 $122,000 $1,819,000
American Indian or Alaskan Native 53 $3,387,000 $63,000 $1,260,000 $83,000 $737,000

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) 30,477 $5,815,174,000 $190,000 $40,950,000 $107,000 $7,846,000
FHA-insured (Federal Housing Administration) 1,984 $279,639,000 $140,000 $636,000 $60,000 $570,000
VA-guaranteed (Veterans Administration) 395 $71,432,000 $180,000 $417,000 $70,000 $270,000
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 16,848 $3,670,207,000 $217,000 $40,950,000 $118,000 $5,221,000
Application Denied By Financial Institution 8,673 $810,676,000 $93,000 $40,000,000 $66,000 $3,606,000
File Closed For Incompleteness 3,529 $736,855,000 $208,000 $5,625,000 $115,000 $2,754,000
Application Withdrawn By Applicant 1,847 $470,991,000 $255,000 $38,475,000 $128,000 $7,846,000
Application Approved But Not Accepted 1,444 $365,785,000 $253,000 $35,000,000 $126,000 $5,224,000
Preapproval Denied by Financial Institution 304 $45,607,000 $150,000 $975,000 $54,000 $476,000
Loan Purchased By The Institution 211 $66,124,000 $313,000 $1,992,000 $34,000 $154,000
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 3,103 $332,486,000 $107,000 $40,000,000 $54,000 $3,385,000
Credit History 2,774 $152,241,000 $54,000 $2,400,000 $51,000 $3,606,000
Collateral 1,316 $259,125,000 $196,000 $2,700,000 $119,000 $1,681,000
Other 1,007 $33,430,000 $33,000 $2,310,000 $63,000 $1,080,000
Unverifiable Information 490 $29,282,000 $59,000 $1,370,000 $62,000 $1,048,000
Insufficient Cash (Downpayment, Closing Cost) 183 $38,616,000 $211,000 $1,988,000 $95,000 $1,011,000
Employment History 70 $5,366,000 $76,000 $900,000 $53,000 $331,000
Credit Application Incomplete 31 $5,248,000 $169,000 $800,000 $141,000 $2,094,000
Mortgage Insurance Denied 3 $489,000 $163,000 $238,000 $57,000 $101,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank, NA's 2014 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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