Citizens Bank, NA Mortgage Lending & HMDA Data, 2015

In 2015, Citizens Bank, NA of Providence, RI reported 34,313 mortgage applications totaling $8.7 billion, up 4% from 2014. The average application was for $254,528, and applicants reported an average income of $130,228. 56% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Providence-Warwick, RI-MA (2,610), Boston, MA (1,852) and Cleveland-Elyria, OH (1,818) (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 34,313
Total Mortgage Loan Application Amount $8,733,649,000
Average Mortgage Loan Application Amount $254,528
Highest Mortgage Loan Application Amount $42,500,000
Average Applicant Income $130,228
Highest Applicant Income $9,999,000

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Act (HMDA) records Citizens Bank, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Wayne, Michigan 1,377 $ 87,358,000 $ 63,440 $ 69,000
Cuyahoga, Ohio 1,326 $ 99,678,000 $ 75,171 $ 64,000
Middlesex, Massachusetts 1,295 $ 501,384,000 $ 387,169 $ 153,000
Providence, Rhode Island 1,277 $ 150,467,000 $ 117,828 $ 68,000
Erie, New York 1,103 $ 80,806,000 $ 73,260 $ 67,000
Philadelphia, Pennsylvania 945 $ 218,808,000 $ 231,542 $ 119,000
Oakland, Michigan 827 $ 164,688,000 $ 199,139 $ 112,000
Macomb, Michigan 749 $ 70,913,000 $ 94,676 $ 65,000
Norfolk, Massachusetts 724 $ 283,883,000 $ 392,103 $ 143,000
Suffolk, Massachusetts 682 $ 165,867,000 $ 243,206 $ 110,000
Allegheny, Pennsylvania 662 $ 92,306,000 $ 139,435 $ 96,000
Montgomery, Pennsylvania 614 $ 173,244,000 $ 282,156 $ 161,000
Monroe, New York 547 $ 31,235,000 $ 57,102 $ 53,000
Summit, Ohio 491 $ 42,257,000 $ 86,063 $ 66,000
New York, New York 489 $ 568,815,000 $ 1,163,220 $ 447,000
Essex, Massachusetts 467 $ 132,152,000 $ 282,980 $ 123,000
Rockingham, New Hampshire 451 $ 91,450,000 $ 202,771 $ 109,000
Plymouth, Massachusetts 446 $ 112,861,000 $ 253,051 $ 123,000
Cook, Illinois 443 $ 190,783,000 $ 430,661 $ 193,000
Lucas, Ohio 435 $ 25,823,000 $ 59,363 $ 56,000
Bristol, Massachusetts 433 $ 78,529,000 $ 181,360 $ 98,000
Hillsborough, New Hampshire 420 $ 76,932,000 $ 183,171 $ 104,000
Bucks, Pennsylvania 406 $ 105,567,000 $ 260,017 $ 128,000
Kent, Rhode Island 406 $ 80,848,000 $ 199,133 $ 88,000
New Castle, Delaware 382 $ 76,527,000 $ 200,332 $ 105,000
Chester, Pennsylvania 380 $ 122,464,000 $ 322,273 $ 166,000
Stark, Ohio 361 $ 30,003,000 $ 83,110 $ 58,000
Hampden, Massachusetts 350 $ 34,995,000 $ 99,985 $ 66,000
Delaware, Pennsylvania 327 $ 80,493,000 $ 246,155 $ 152,000
Barnstable, Massachusetts 325 $ 90,435,000 $ 278,261 $ 168,000
Worcester, Massachusetts 274 $ 78,994,000 $ 288,299 $ 106,000
New London, Connecticut 269 $ 43,561,000 $ 161,936 $ 101,000
Suffolk, New York 266 $ 196,476,000 $ 738,631 $ 386,000
New Haven, Connecticut 264 $ 62,098,000 $ 235,219 $ 146,000
Washington, Rhode Island 263 $ 64,509,000 $ 245,281 $ 146,000
Cape May, New Jersey 261 $ 172,910,000 $ 662,490 $ 385,000
Fairfield, Connecticut 250 $ 179,526,000 $ 718,104 $ 293,000
Charleston, South Carolina 236 $ 130,779,000 $ 554,148 $ 223,000
Kings, New York 228 $ 190,761,000 $ 836,671 $ 316,000
Nassau, New York 226 $ 128,562,000 $ 568,858 $ 239,000
Mecklenburg, North Carolina 212 $ 113,296,000 $ 534,415 $ 203,000
Westchester, New York 201 $ 119,256,000 $ 593,313 $ 274,000
Onondaga, New York 195 $ 9,203,000 $ 47,194 $ 54,000
Luzerne, Pennsylvania 193 $ 25,411,000 $ 131,663 $ 88,000
Lake, Ohio 192 $ 24,012,000 $ 125,062 $ 76,000
Niagara, New York 183 $ 14,100,000 $ 77,049 $ 63,000
Beaufort, South Carolina 181 $ 67,725,000 $ 374,171 $ 167,000
Sussex, Delaware 179 $ 57,376,000 $ 320,536 $ 188,000
Middlesex, Connecticut 169 $ 28,367,000 $ 167,852 $ 105,000
DuPage, Illinois 163 $ 82,858,000 $ 508,331 $ 224,000
Merrimack, New Hampshire 163 $ 24,883,000 $ 152,656 $ 93,000
Queens, New York 157 $ 66,043,000 $ 420,656 $ 153,000
Westmoreland, Pennsylvania 153 $ 23,022,000 $ 150,470 $ 94,000
Fairfax, Virginia 150 $ 120,027,000 $ 800,180 $ 249,000
Strafford, New Hampshire 148 $ 22,013,000 $ 148,736 $ 95,000
Newport, Rhode Island 143 $ 38,779,000 $ 271,181 $ 142,000
Hartford, Connecticut 139 $ 24,523,000 $ 176,424 $ 98,000
Berks, Pennsylvania 136 $ 18,288,000 $ 134,470 $ 85,000
Carroll, New Hampshire 135 $ 24,049,000 $ 178,140 $ 111,000
Franklin, Ohio 133 $ 26,733,000 $ 201,000 $ 110,000
Medina, Ohio 127 $ 17,938,000 $ 141,244 $ 97,000
Atlantic, New Jersey 124 $ 45,540,000 $ 367,258 $ 225,000
Bergen, New Jersey 123 $ 84,273,000 $ 685,146 $ 340,000
Camden, New Jersey 120 $ 30,376,000 $ 253,133 $ 171,000
Burlington, New Jersey 112 $ 38,255,000 $ 341,562 $ 235,000
Saratoga, New York 109 $ 24,377,000 $ 223,642 $ 125,000
Washington, Pennsylvania 107 $ 18,457,000 $ 172,495 $ 99,000
Albany, New York 104 $ 18,293,000 $ 175,894 $ 108,000
York, Pennsylvania 103 $ 17,680,000 $ 171,650 $ 95,000
Wake, North Carolina 101 $ 47,820,000 $ 473,465 $ 185,000
Baltimore, Maryland 96 $ 48,706,000 $ 507,354 $ 203,000
Forsyth, North Carolina 95 $ 27,084,000 $ 285,094 $ 134,000
Lorain, Ohio 95 $ 11,393,000 $ 119,926 $ 75,000
Belknap, New Hampshire 93 $ 30,445,000 $ 327,365 $ 123,000
Beaver, Pennsylvania 91 $ 9,645,000 $ 105,989 $ 67,000
Grafton, New Hampshire 89 $ 15,443,000 $ 173,516 $ 114,000
Monmouth, New Jersey 89 $ 45,176,000 $ 507,595 $ 266,000
Bristol, Rhode Island 88 $ 23,178,000 $ 263,386 $ 166,000
Portage, Ohio 85 $ 12,789,000 $ 150,458 $ 85,000
Wayne, New York 84 $ 3,722,000 $ 44,309 $ 47,000
Lake, Illinois 81 $ 54,691,000 $ 675,197 $ 303,000
Washtenaw, Michigan 81 $ 16,137,000 $ 199,222 $ 123,000
Brunswick, North Carolina 81 $ 24,720,000 $ 305,185 $ 170,000
Dauphin, Pennsylvania 79 $ 13,217,000 $ 167,303 $ 87,000
Geauga, Ohio 78 $ 13,787,000 $ 176,756 $ 93,000
Scioto, Ohio 78 $ 3,962,000 $ 50,794 $ 48,000
Lancaster, Pennsylvania 78 $ 15,815,000 $ 202,756 $ 110,000
Mahoning, Ohio 77 $ 6,903,000 $ 89,649 $ 66,000
Kent, Delaware 76 $ 12,946,000 $ 170,342 $ 94,000
Anne Arundel, Maryland 76 $ 45,168,000 $ 594,315 $ 238,000
Chittenden, Vermont 74 $ 13,156,000 $ 177,783 $ 107,000
York, Maine 73 $ 19,540,000 $ 267,671 $ 130,000
Hampshire, Massachusetts 73 $ 10,436,000 $ 142,958 $ 78,000
Will, Illinois 72 $ 22,262,000 $ 309,194 $ 151,000
Broome, New York 72 $ 3,287,000 $ 45,652 $ 52,000
Coos, New Hampshire 68 $ 4,077,000 $ 59,955 $ 76,000
Ocean, New Jersey 68 $ 31,287,000 $ 460,102 $ 425,000
Guilford, North Carolina 68 $ 21,456,000 $ 315,529 $ 153,000
Butler, Pennsylvania 68 $ 12,359,000 $ 181,750 $ 84,000
Centre, Pennsylvania 68 $ 12,177,000 $ 179,073 $ 104,000
Rockland, New York 66 $ 35,870,000 $ 543,484 $ 196,000
Monroe, Pennsylvania 66 $ 7,959,000 $ 120,590 $ 93,000
Livingston, Michigan 65 $ 14,815,000 $ 227,923 $ 98,000
Montgomery, Maryland 64 $ 49,334,000 $ 770,843 $ 266,000
Shiawassee, Michigan 62 $ 3,522,000 $ 56,806 $ 44,000
Morris, New Jersey 61 $ 37,532,000 $ 615,278 $ 280,000
Oneida, New York 60 $ 1,895,000 $ 31,583 $ 48,000
Orange, New York 60 $ 7,363,000 $ 122,716 $ 99,000
Union, North Carolina 60 $ 35,517,000 $ 591,950 $ 252,000
Cumberland, Pennsylvania 58 $ 13,784,000 $ 237,655 $ 121,000
Dutchess, New York 57 $ 11,075,000 $ 194,298 $ 104,000
Otsego, New York 57 $ 3,919,000 $ 68,754 $ 58,000
Monroe, Michigan 56 $ 4,967,000 $ 88,696 $ 75,000
Essex, New Jersey 56 $ 36,132,000 $ 645,214 $ 317,000
Rutland, Vermont 56 $ 7,631,000 $ 136,267 $ 85,000
Ingham, Michigan 55 $ 7,529,000 $ 136,890 $ 85,000
Rensselaer, New York 55 $ 4,949,000 $ 89,981 $ 74,000
Windsor, Vermont 55 $ 8,012,000 $ 145,672 $ 86,000
Hamilton, Ohio 54 $ 14,500,000 $ 268,518 $ 179,000
Windham, Connecticut 53 $ 7,554,000 $ 142,528 $ 75,000
New Hanover, North Carolina 53 $ 18,338,000 $ 346,000 $ 151,000
Columbiana, Ohio 53 $ 3,834,000 $ 72,339 $ 61,000
Wood, Ohio 53 $ 4,674,000 $ 88,188 $ 83,000
Schenectady, New York 52 $ 4,658,000 $ 89,576 $ 68,000
Erie, Pennsylvania 52 $ 5,662,000 $ 108,884 $ 85,000
Harford, Maryland 51 $ 23,322,000 $ 457,294 $ 232,000
Berkeley, South Carolina 50 $ 31,972,000 $ 639,440 $ 249,000
Blair, Pennsylvania 48 $ 5,120,000 $ 106,666 $ 60,000
Hudson, New Jersey 47 $ 27,298,000 $ 580,808 $ 262,000
Warren, New York 47 $ 7,221,000 $ 153,638 $ 88,000
Trumbull, Ohio 47 $ 3,132,000 $ 66,638 $ 50,000
York, South Carolina 46 $ 17,426,000 $ 378,826 $ 137,000
Marion, Indiana 45 $ 5,938,000 $ 131,955 $ 78,000
Howard, Maryland 45 $ 32,003,000 $ 711,177 $ 238,000
Cheshire, New Hampshire 45 $ 6,458,000 $ 143,511 $ 80,000
Mercer, Pennsylvania 45 $ 4,813,000 $ 106,955 $ 71,000
Gloucester, New Jersey 44 $ 10,129,000 $ 230,204 $ 134,000
Ulster, New York 44 $ 9,471,000 $ 215,250 $ 222,000
Middlesex, New Jersey 43 $ 15,281,000 $ 355,372 $ 153,000
Ontario, New York 43 $ 3,601,000 $ 83,744 $ 54,000
Henrico, Virginia 43 $ 12,605,000 $ 293,139 $ 128,000
Loudoun, Virginia 43 $ 35,862,000 $ 834,000 $ 287,000
Sullivan, New Hampshire 42 $ 6,834,000 $ 162,714 $ 97,000
Berkshire, Massachusetts 38 $ 3,403,000 $ 89,552 $ 64,000
Mercer, New Jersey 37 $ 19,786,000 $ 534,756 $ 240,000
Lehigh, Pennsylvania 37 $ 7,097,000 $ 191,810 $ 101,000
James City, Virginia 37 $ 12,869,000 $ 347,810 $ 142,000
Lee, Florida 36 $ 9,220,000 $ 256,111 $ 162,000
Chesterfield, Virginia 36 $ 9,977,000 $ 277,138 $ 143,000
Kane, Illinois 35 $ 9,387,000 $ 268,200 $ 148,000
Saginaw, Michigan 35 $ 1,038,000 $ 29,657 $ 49,000
Lackawanna, Pennsylvania 35 $ 7,540,000 $ 215,428 $ 147,000
Arlington, Virginia 35 $ 25,679,000 $ 733,685 $ 249,000
Richmond City, Virginia 35 $ 10,883,000 $ 310,942 $ 127,000
District of Columbia, District Of Columbia 34 $ 24,928,000 $ 733,176 $ 272,000
St. Clair, Michigan 34 $ 4,055,000 $ 119,264 $ 111,000
Palm Beach, Florida 33 $ 12,734,000 $ 385,878 $ 538,000
Genesee, Michigan 33 $ 3,218,000 $ 97,515 $ 65,000
Richmond, New York 33 $ 13,035,000 $ 395,000 $ 156,000
Pike, Pennsylvania 32 $ 5,486,000 $ 171,437 $ 100,000
Hanover, Virginia 32 $ 8,216,000 $ 256,750 $ 109,000
Northampton, Pennsylvania 31 $ 6,300,000 $ 203,225 $ 128,000
Collier, Florida 30 $ 11,712,000 $ 390,400 $ 318,000
Prince George's, Maryland 29 $ 13,647,000 $ 470,586 $ 160,000
Rowan, North Carolina 29 $ 4,539,000 $ 156,517 $ 76,000
Addison, Vermont 28 $ 4,999,000 $ 178,535 $ 100,000
Tolland, Connecticut 27 $ 4,507,000 $ 166,925 $ 106,000
Cumberland, Maine 27 $ 9,465,000 $ 350,555 $ 199,000
Fulton, New York 27 $ 1,369,000 $ 50,703 $ 55,000
Putnam, New York 27 $ 7,927,000 $ 293,592 $ 141,000
Horry, South Carolina 27 $ 6,984,000 $ 258,666 $ 176,000
Washington, New York 26 $ 2,962,000 $ 113,923 $ 69,000
Union, New Jersey 25 $ 17,634,000 $ 705,360 $ 319,000
Iredell, North Carolina 25 $ 16,164,000 $ 646,560 $ 204,000
Warren, Ohio 25 $ 7,247,000 $ 289,880 $ 123,000
Bennington, Vermont 25 $ 2,677,000 $ 107,080 $ 81,000
Albemarle, Virginia 25 $ 10,230,000 $ 409,200 $ 206,000
Kalamazoo, Michigan 24 $ 2,634,000 $ 109,750 $ 68,000
Somerset, New Jersey 24 $ 15,296,000 $ 637,333 $ 290,000
Butler, Ohio 24 $ 5,016,000 $ 209,000 $ 95,000
Windham, Vermont 24 $ 5,831,000 $ 242,958 $ 165,000
Bronx, New York 23 $ 25,457,000 $ 1,106,826 $ 130,000
Prince William, Virginia 23 $ 9,586,000 $ 416,782 $ 143,000
McHenry, Illinois 22 $ 5,093,000 $ 231,500 $ 199,000
Hamilton, Indiana 22 $ 5,068,000 $ 230,363 $ 140,000
Delaware, Ohio 22 $ 7,206,000 $ 327,545 $ 148,000
Madison, New York 21 $ 1,131,000 $ 53,857 $ 49,000
Los Angeles, California 20 $ 18,024,000 $ 901,200 $ 519,000
Broward, Florida 20 $ 5,180,000 $ 259,000 $ 170,000
Miami-Dade, Florida 20 $ 23,484,000 $ 1,174,200 $ 1,021,000
Adams, Pennsylvania 20 $ 3,959,000 $ 197,950 $ 95,000
Carbon, Pennsylvania 20 $ 2,838,000 $ 141,900 $ 134,000
Carroll, Maryland 19 $ 7,309,000 $ 384,684 $ 154,000
Cortland, New York 19 $ 740,000 $ 38,947 $ 51,000
Cabarrus, North Carolina 19 $ 7,843,000 $ 412,789 $ 149,000
Crawford, Pennsylvania 19 $ 1,675,000 $ 88,157 $ 61,000
Newport News, Virginia 19 $ 5,185,000 $ 272,894 $ 94,000
Kent, Michigan 18 $ 2,056,000 $ 114,222 $ 67,000
Dukes, Massachusetts 17 $ 11,787,000 $ 693,352 $ 347,000
Clinton, Michigan 17 $ 3,065,000 $ 180,294 $ 183,000
Chautauqua, New York 17 $ 1,795,000 $ 105,588 $ 101,000
Lebanon, Pennsylvania 17 $ 3,390,000 $ 199,411 $ 128,000
Cecil, Maryland 16 $ 4,449,000 $ 278,062 $ 179,000
Tuscarawas, Ohio 16 $ 1,796,000 $ 112,250 $ 71,000
Lawrence, Pennsylvania 16 $ 3,883,000 $ 242,687 $ 91,000
Mifflin, Pennsylvania 16 $ 1,766,000 $ 110,375 $ 71,000
Schuylkill, Pennsylvania 16 $ 2,606,000 $ 162,875 $ 112,000
Franklin, Vermont 16 $ 1,863,000 $ 116,437 $ 74,000
Louisa, Virginia 16 $ 5,324,000 $ 332,750 $ 149,000
Litchfield, Connecticut 15 $ 7,426,000 $ 495,066 $ 360,000
Sarasota, Florida 15 $ 2,445,000 $ 163,000 $ 97,000
Herkimer, New York 15 $ 2,413,000 $ 160,866 $ 95,000
Livingston, New York 15 $ 436,000 $ 29,066 $ 40,000
Goochland, Virginia 15 $ 7,275,000 $ 485,000 $ 206,000
Kendall, Illinois 14 $ 3,282,000 $ 234,428 $ 110,000
Franklin, Massachusetts 14 $ 2,054,000 $ 146,714 $ 129,000
Hunterdon, New Jersey 14 $ 6,292,000 $ 449,428 $ 185,000
Chenango, New York 14 $ 492,000 $ 35,142 $ 48,000
Durham, North Carolina 14 $ 7,542,000 $ 538,714 $ 253,000
Clermont, Ohio 14 $ 2,879,000 $ 205,642 $ 79,000
York, Virginia 14 $ 6,434,000 $ 459,571 $ 118,000
Maricopa, Arizona 13 $ 4,373,000 $ 336,384 $ 129,000
Johnson, Indiana 13 $ 2,246,000 $ 172,769 $ 51,000
Oxford, Maine 13 $ 2,003,000 $ 154,076 $ 104,000
Worcester, Maryland 13 $ 3,343,000 $ 257,153 $ 244,000
Lapeer, Michigan 13 $ 2,649,000 $ 203,769 $ 122,000
Warren, New Jersey 13 $ 3,231,000 $ 248,538 $ 110,000
Cattaraugus, New York 13 $ 1,215,000 $ 93,461 $ 88,000
Genesee, New York 13 $ 519,000 $ 39,923 $ 50,000
Montgomery, New York 13 $ 564,000 $ 43,384 $ 65,000
Orleans, New York 13 $ 512,000 $ 39,384 $ 43,000
Montgomery, Ohio 13 $ 1,979,000 $ 152,230 $ 106,000
Venango, Pennsylvania 13 $ 1,323,000 $ 101,769 $ 61,000
Dorchester, South Carolina 13 $ 3,763,000 $ 289,461 $ 143,000
Washington, Vermont 13 $ 2,765,000 $ 212,692 $ 172,000
Brevard, Florida 12 $ 3,375,000 $ 281,250 $ 161,000
Oswego, New York 12 $ 149,000 $ 12,416 $ 45,000
Buncombe, North Carolina 12 $ 3,266,000 $ 272,166 $ 123,000
Chatham, North Carolina 12 $ 7,367,000 $ 613,916 $ 229,000
Wayne, Ohio 12 $ 1,511,000 $ 125,916 $ 63,000
Fayette, Pennsylvania 12 $ 1,710,000 $ 142,500 $ 88,000
Wayne, Pennsylvania 12 $ 2,466,000 $ 205,500 $ 153,000
Alexandria, Virginia 12 $ 7,094,000 $ 591,166 $ 305,000
Hampton, Virginia 12 $ 1,758,000 $ 146,500 $ 74,000
Passaic, New Jersey 11 $ 2,890,000 $ 262,727 $ 150,000
Sussex, New Jersey 11 $ 3,407,000 $ 309,727 $ 160,000
Catawba, North Carolina 11 $ 4,720,000 $ 429,090 $ 246,000
Ashtabula, Ohio 11 $ 1,556,000 $ 141,454 $ 98,000
Ottawa, Ohio 11 $ 2,553,000 $ 232,090 $ 125,000
San Diego, California 10 $ 7,162,000 $ 716,200 $ 198,000
Jefferson, Kentucky 10 $ 1,093,000 $ 109,300 $ 46,000
Eaton, Michigan 10 $ 1,282,000 $ 128,200 $ 76,000
Tompkins, New York 10 $ 1,252,000 $ 125,200 $ 144,000
Gaston, North Carolina 10 $ 3,017,000 $ 301,700 $ 133,000
Virginia Beach, Virginia 10 $ 4,895,000 $ 489,500 $ 217,000
Pasco, Florida 9 $ 1,321,000 $ 146,777 $ 104,000
Pinellas, Florida 9 $ 1,303,000 $ 144,777 $ 152,000
Frederick, Maryland 9 $ 3,473,000 $ 385,888 $ 113,000
Nantucket, Massachusetts 9 $ 8,410,000 $ 934,444 $ 599,000
Lincoln, North Carolina 9 $ 4,434,000 $ 492,666 $ 152,000
Watauga, North Carolina 9 $ 2,094,000 $ 232,666 $ 196,000
Licking, Ohio 9 $ 1,450,000 $ 161,111 $ 49,000
Wyoming, Pennsylvania 9 $ 1,360,000 $ 151,111 $ 82,000
Essex, Vermont 9 $ 245,000 $ 27,222 $ 44,000
Hillsborough, Florida 8 $ 1,539,000 $ 192,375 $ 103,000
Baltimore City, Maryland 8 $ 2,881,000 $ 360,125 $ 194,000
Lenawee, Michigan 8 $ 936,000 $ 117,000 $ 95,000
Van Buren, Michigan 8 $ 1,084,000 $ 135,500 $ 111,000
Columbia, New York 8 $ 2,286,000 $ 285,750 $ 163,000
Essex, New York 8 $ 1,757,000 $ 219,625 $ 118,000
Davidson, North Carolina 8 $ 1,582,000 $ 197,750 $ 115,000
Fairfield, Ohio 8 $ 1,323,000 $ 165,375 $ 110,000
Lancaster, South Carolina 8 $ 2,216,000 $ 277,000 $ 91,000
Orange, Vermont 8 $ 780,000 $ 97,500 $ 62,000
Charlottesville, Virginia 8 $ 3,646,000 $ 455,750 $ 192,000
King William, Virginia 8 $ 1,329,000 $ 166,125 $ 153,000
Stafford, Virginia 8 $ 2,185,000 $ 273,125 $ 102,000
Pima, Arizona 7 $ 1,152,000 $ 164,571 $ 94,000
Orange, California 7 $ 3,581,000 $ 511,571 $ 161,000
Charlotte, Florida 7 $ 1,099,000 $ 157,000 $ 74,000
Polk, Florida 7 $ 868,000 $ 124,000 $ 112,000
Vigo, Indiana 7 $ 1,008,000 $ 144,000 $ 83,000
Jackson, Michigan 7 $ 1,096,000 $ 156,571 $ 119,000
Otsego, Michigan 7 $ 790,000 $ 112,857 $ 125,000
Roscommon, Michigan 7 $ 660,000 $ 94,285 $ 110,000
St. Louis, Missouri 7 $ 762,000 $ 108,857 $ 70,000
Clinton, New York 7 $ 2,063,000 $ 294,714 $ 204,000
Greene, New York 7 $ 2,310,000 $ 330,000 $ 369,000
Jefferson, New York 7 $ 2,038,000 $ 291,142 $ 162,000
Steuben, New York 7 $ 471,000 $ 67,285 $ 56,000
Sullivan, New York 7 $ 732,000 $ 104,571 $ 99,000
Tioga, New York 7 $ 417,000 $ 59,571 $ 59,000
Avery, North Carolina 7 $ 1,538,000 $ 219,714 $ 153,000
Chowan, North Carolina 7 $ 1,269,000 $ 181,285 $ 91,000
Perquimans, North Carolina 7 $ 2,754,000 $ 393,428 $ 103,000
Erie, Ohio 7 $ 898,000 $ 128,285 $ 168,000
Columbia, Pennsylvania 7 $ 1,374,000 $ 196,285 $ 71,000
Perry, Pennsylvania 7 $ 1,391,000 $ 198,714 $ 71,000
Georgetown, South Carolina 7 $ 3,285,000 $ 469,285 $ 230,000
Davidson, Tennessee 7 $ 1,694,000 $ 242,000 $ 197,000
Fluvanna, Virginia 7 $ 1,703,000 $ 243,285 $ 94,000
New Kent, Virginia 7 $ 1,416,000 $ 202,285 $ 86,000
DeKalb, Georgia 6 $ 1,888,000 $ 314,666 $ 205,000
Fulton, Georgia 6 $ 1,417,000 $ 236,166 $ 158,000
Hendricks, Indiana 6 $ 1,206,000 $ 201,000 $ 64,000
Talbot, Maryland 6 $ 3,096,000 $ 516,000 $ 308,000
Allegan, Michigan 6 $ 779,000 $ 129,833 $ 84,000
Huron, Michigan 6 $ 607,000 $ 101,166 $ 125,000
Hamilton, New York 6 $ 817,000 $ 136,166 $ 76,000
Wyoming, New York 6 $ 648,000 $ 108,000 $ 57,000
Macon, North Carolina 6 $ 1,383,000 $ 230,500 $ 80,000
Bedford, Pennsylvania 6 $ 677,000 $ 112,833 $ 67,000
Somerset, Pennsylvania 6 $ 1,266,000 $ 211,000 $ 215,000
Richland, South Carolina 6 $ 1,349,000 $ 224,833 $ 161,000
Gloucester, Virginia 6 $ 1,313,000 $ 218,833 $ 71,000
Lake, Florida 5 $ 695,000 $ 139,000 $ 71,000
Orange, Florida 5 $ 924,000 $ 184,800 $ 59,000
St. Johns, Florida 5 $ 881,000 $ 176,200 $ 84,000
Volusia, Florida 5 $ 486,000 $ 97,200 $ 72,000
Cobb, Georgia 5 $ 2,113,000 $ 422,600 $ 211,000
LaSalle, Illinois 5 $ 858,000 $ 171,600 $ 73,000
Tippecanoe, Indiana 5 $ 539,000 $ 107,800 $ 79,000
Boyd, Kentucky 5 $ 375,000 $ 75,000 $ 59,000
Charles, Maryland 5 $ 2,058,000 $ 411,600 $ 152,000
Carteret, North Carolina 5 $ 1,407,000 $ 281,400 $ 191,000
Davie, North Carolina 5 $ 1,432,000 $ 286,400 $ 148,000
Fulton, Ohio 5 $ 541,000 $ 108,200 $ 52,000
Lawrence, Ohio 5 $ 108,000 $ 21,600 $ 42,000
Armstrong, Pennsylvania 5 $ 448,000 $ 89,600 $ 94,000
Indiana, Pennsylvania 5 $ 775,000 $ 155,000 $ 68,000
Greenville, South Carolina 5 $ 919,000 $ 183,800 $ 82,000
Isle of Wight, Virginia 5 $ 1,420,000 $ 284,000 $ 117,000
Norfolk, Virginia 5 $ 1,118,000 $ 223,600 $ 101,000
Jefferson, Alabama 4 $ 710,000 $ 177,500 $ 153,000
El Paso, Colorado 4 $ 1,041,000 $ 260,250 $ 126,000
Jefferson, Colorado 4 $ 1,451,000 $ 362,750 $ 157,000
Duval, Florida 4 $ 654,000 $ 163,500 $ 99,000
Hernando, Florida 4 $ 361,000 $ 90,250 $ 67,000
Manatee, Florida 4 $ 869,000 $ 217,250 $ 129,000
Seminole, Florida 4 $ 1,158,000 $ 289,500 $ 120,000
Chatham, Georgia 4 $ 516,000 $ 129,000 $ 78,000
Bartholomew, Indiana 4 $ 544,000 $ 136,000 $ 62,000
Lake, Indiana 4 $ 444,000 $ 111,000 $ 68,000
Porter, Indiana 4 $ 2,320,000 $ 580,000 $ 230,000
Seward, Kansas 4 $ 426,000 $ 106,500 $ 172,000
Kenton, Kentucky 4 $ 500,000 $ 125,000 $ 60,000
Lewis, Kentucky 4 $ 48,000 $ 12,000 $ 39,000
Penobscot, Maine 4 $ 866,000 $ 216,500 $ 233,000
Garrett, Maryland 4 $ 1,711,000 $ 427,750 $ 432,000
Queen Anne's, Maryland 4 $ 1,859,000 $ 464,750 $ 110,000
Antrim, Michigan 4 $ 748,000 $ 187,000 $ 189,000
Cass, Michigan 4 $ 214,000 $ 53,500 $ 100,000
Emmet, Michigan 4 $ 1,080,000 $ 270,000 $ 160,000
Gladwin, Michigan 4 $ 655,000 $ 163,750 $ 163,000
Grand Traverse, Michigan 4 $ 930,000 $ 232,500 $ 110,000
Ottawa, Michigan 4 $ 534,000 $ 133,500 $ 124,000
Cumberland, New Jersey 4 $ 538,000 $ 134,500 $ 58,000
Allegany, New York 4 $ 429,000 $ 107,250 $ 72,000
Cayuga, New York 4 $ 228,000 $ 57,000 $ 66,000
Franklin, New York 4 $ 506,000 $ 126,500 $ 116,000
Schoharie, New York 4 $ 238,000 $ 59,500 $ 39,000
Seneca, New York 4 $ 301,000 $ 75,250 $ 69,000
Alamance, North Carolina 4 $ 741,000 $ 185,250 $ 82,000
Currituck, North Carolina 4 $ 2,102,000 $ 525,500 $ 480,000
Johnston, North Carolina 4 $ 663,000 $ 165,750 $ 77,000
Moore, North Carolina 4 $ 1,422,000 $ 355,500 $ 224,000
Pender, North Carolina 4 $ 928,000 $ 232,000 $ 175,000
Pitt, North Carolina 4 $ 731,000 $ 182,750 $ 92,000
Transylvania, North Carolina 4 $ 1,452,000 $ 363,000 $ 155,000
Carroll, Ohio 4 $ 291,000 $ 72,750 $ 68,000
Cambria, Pennsylvania 4 $ 332,000 $ 83,000 $ 104,000
Clarion, Pennsylvania 4 $ 388,000 $ 97,000 $ 57,000
Clearfield, Pennsylvania 4 $ 652,000 $ 163,000 $ 66,000
Warren, Pennsylvania 4 $ 232,000 $ 58,000 $ 74,000
Jasper, South Carolina 4 $ 991,000 $ 247,750 $ 125,000
Pickens, South Carolina 4 $ 1,860,000 $ 465,000 $ 243,000
Harris, Texas 4 $ 1,041,000 $ 260,250 $ 131,000
Lamoille, Vermont 4 $ 691,000 $ 172,750 $ 102,000
Chesapeake, Virginia 4 $ 1,394,000 $ 348,500 $ 112,000
Pinal, Arizona 3 $ 493,000 $ 164,333 $ 107,000
Riverside, California 3 $ 5,156,000 $ 1,718,666 $ 786,000
Arapahoe, Colorado 3 $ 747,000 $ 249,000 $ 167,000
Indian River, Florida 3 $ 351,000 $ 117,000 $ 70,000
Marion, Florida 3 $ 410,000 $ 136,666 $ 87,000
Martin, Florida 3 $ 501,000 $ 167,000 $ 122,000
Okaloosa, Florida 3 $ 879,000 $ 293,000 $ 311,000
Fayette, Georgia 3 $ 712,000 $ 237,333 $ 95,000
Gwinnett, Georgia 3 $ 611,000 $ 203,666 $ 87,000
Boone, Indiana 3 $ 1,261,000 $ 420,333 $ 131,000
Floyd, Indiana 3 $ 642,000 $ 214,000 $ 76,000
Hancock, Indiana 3 $ 511,000 $ 170,333 $ 94,000
Morgan, Indiana 3 $ 371,000 $ 123,666 $ 102,000
Boone, Kentucky 3 $ 470,000 $ 156,666 $ 115,000
Hancock, Maine 3 $ 196,000 $ 65,333 $ 141,000
Kennebec, Maine 3 $ 299,000 $ 99,666 $ 103,000
Calvert, Maryland 3 $ 1,429,000 $ 476,333 $ 161,000
Dorchester, Maryland 3 $ 1,060,000 $ 353,333 $ 641,000
St. Mary's, Maryland 3 $ 801,000 $ 267,000 $ 172,000
Berrien, Michigan 3 $ 205,000 $ 68,333 $ 211,000
Iosco, Michigan 3 $ 269,000 $ 89,666 $ 135,000
Jefferson, Missouri 3 $ 285,000 $ 95,000 $ 78,000
St. Charles, Missouri 3 $ 328,000 $ 109,333 $ 90,000
Washoe, Nevada 3 $ 1,232,000 $ 410,666 $ 277,000
Chemung, New York 3 $ 301,000 $ 100,333 $ 60,000
St. Lawrence, New York 3 $ 186,000 $ 62,000 $ 46,000
Ashe, North Carolina 3 $ 946,000 $ 315,333 $ 121,000
Burke, North Carolina 3 $ 770,000 $ 256,666 $ 83,000
Dare, North Carolina 3 $ 1,199,000 $ 399,666 $ 273,000
Henderson, North Carolina 3 $ 776,000 $ 258,666 $ 94,000
Orange, North Carolina 3 $ 1,545,000 $ 515,000 $ 283,000
Rutherford, North Carolina 3 $ 1,376,000 $ 458,666 $ 168,000
Brown, Ohio 3 $ 592,000 $ 197,333 $ 81,000
Hancock, Ohio 3 $ 315,000 $ 105,000 $ 116,000
Logan, Ohio 3 $ 256,000 $ 85,333 $ 44,000
Union, Ohio 3 $ 976,000 $ 325,333 $ 151,000
Clinton, Pennsylvania 3 $ 444,000 $ 148,000 $ 61,000
Elk, Pennsylvania 3 $ 485,000 $ 161,666 $ 105,000
Sullivan, Pennsylvania 3 $ 452,000 $ 150,666 $ 89,000
Hamilton, Tennessee 3 $ 326,000 $ 108,666 $ 68,000
Shelby, Tennessee 3 $ 736,000 $ 245,333 $ 110,000
Rockwall, Texas 3 $ 990,000 $ 330,000 $ 160,000
Tarrant, Texas 3 $ 822,000 $ 274,000 $ 134,000
Grand Isle, Vermont 3 $ 498,000 $ 166,000 $ 135,000
Augusta, Virginia 3 $ 713,000 $ 237,666 $ 134,000
Bedford, Virginia 3 $ 999,000 $ 333,000 $ 181,000
Caroline, Virginia 3 $ 528,000 $ 176,000 $ 65,000
Clarke, Virginia 3 $ 2,842,000 $ 947,333 $ 425,000
Falls Church, Virginia 3 $ 2,709,000 $ 903,000 $ 226,000
Fauquier, Virginia 3 $ 1,552,000 $ 517,333 $ 207,000
King George, Virginia 3 $ 892,000 $ 297,333 $ 114,000
Nelson, Virginia 3 $ 1,016,000 $ 338,666 $ 70,000
Petersburg, Virginia 3 $ 760,000 $ 253,333 $ 54,000
Powhatan, Virginia 3 $ 1,189,000 $ 396,333 $ 154,000
Suffolk, Virginia 3 $ 655,000 $ 218,333 $ 61,000
Warren, Virginia 3 $ 2,245,000 $ 748,333 $ 220,000
King, Washington 3 $ 1,086,000 $ 362,000 $ 131,000
Walworth, Wisconsin 3 $ 1,626,000 $ 542,000 $ 402,000
Russell, Alabama 2 $ 170,000 $ 85,000 $ 68,000
Shelby, Alabama 2 $ 231,000 $ 115,500 $ 211,000
Alameda, California 2 $ 518,000 $ 259,000 $ 69,000
El Dorado, California 2 $ 472,000 $ 236,000 $ 320,000
Marin, California 2 $ 777,000 $ 388,500 $ 81,000
Monterey, California 2 $ 2,162,000 $ 1,081,000 $ 941,000
San Bernardino, California 2 $ 447,000 $ 223,500 $ 108,000
Santa Cruz, California 2 $ 1,147,000 $ 573,500 $ 175,000
Sonoma, California 2 $ 1,793,000 $ 896,500 $ 267,000
Ventura, California 2 $ 941,000 $ 470,500 $ 460,000
Broomfield, Colorado 2 $ 439,000 $ 219,500 $ 129,000
Denver, Colorado 2 $ 400,000 $ 200,000 $ 638,000
Garfield, Colorado 2 $ 989,000 $ 494,500 $ 144,000
Summit, Colorado 2 $ 684,000 $ 342,000 $ 178,000
Columbia, Florida 2 $ 272,000 $ 136,000 $ 108,000
Flagler, Florida 2 $ 695,000 $ 347,500 $ 164,000
Leon, Florida 2 $ 355,000 $ 177,500 $ 74,000
Camden, Georgia 2 $ 362,000 $ 181,000 $ 90,000
Effingham, Georgia 2 $ 180,000 $ 90,000 $ 28,000
Allen, Indiana 2 $ 347,000 $ 173,500 $ 84,000
Franklin, Indiana 2 $ 357,000 $ 178,500 $ 76,000
Campbell, Kentucky 2 $ 224,000 $ 112,000 $ 55,000
Aroostook, Maine 2 $ 235,000 $ 117,500 $ 34,000
Franklin, Maine 2 $ 237,000 $ 118,500 $ 193,000
Lincoln, Maine 2 $ 513,000 $ 256,500 $ 172,000
Washington, Maryland 2 $ 185,000 $ 92,500 $ 67,000
Arenac, Michigan 2 $ 586,000 $ 293,000 $ 124,000
Barry, Michigan 2 $ 254,000 $ 127,000 $ 80,000
Bay, Michigan 2 $ 168,000 $ 84,000 $ 111,000
Benzie, Michigan 2 $ 271,000 $ 135,500 $ 101,000
Calhoun, Michigan 2 $ 229,000 $ 114,500 $ 58,000
Crawford, Michigan 2 $ 225,000 $ 112,500 $ 91,000
Gratiot, Michigan 2 $ 109,000 $ 54,500 $ 54,000
Ionia, Michigan 2 $ 494,000 $ 247,000 $ 90,000
Sanilac, Michigan 2 $ 144,000 $ 72,000 $ 66,000
St. Joseph, Michigan 2 $ 311,000 $ 155,500 $ 67,000
Hennepin, Minnesota 2 $ 722,000 $ 361,000 $ 271,000
Franklin, Missouri 2 $ 800,000 $ 400,000 $ 119,000
Clark, Nevada 2 $ 668,000 $ 334,000 $ 127,000
Salem, New Jersey 2 $ 484,000 $ 242,000 $ 138,000
Delaware, New York 2 $ 420,000 $ 210,000 $ 69,000
Cherokee, North Carolina 2 $ 307,000 $ 153,500 $ 300,000
Cleveland, North Carolina 2 $ 444,000 $ 222,000 $ 100,000
Craven, North Carolina 2 $ 375,000 $ 187,500 $ 395,000
Granville, North Carolina 2 $ 351,000 $ 175,500 $ 77,000
Lee, North Carolina 2 $ 403,000 $ 201,500 $ 89,000
Lenoir, North Carolina 2 $ 296,000 $ 148,000 $ 228,000
McDowell, North Carolina 2 $ 1,005,000 $ 502,500 $ 234,000
Nash, North Carolina 2 $ 243,000 $ 121,500 $ 69,000
Rockingham, North Carolina 2 $ 588,000 $ 294,000 $ 105,000
Stokes, North Carolina 2 $ 562,000 $ 281,000 $ 120,000
Surry, North Carolina 2 $ 145,000 $ 72,500 $ 57,000
Champaign, Ohio 2 $ 127,000 $ 63,500 $ 84,000
Clark, Ohio 2 $ 243,000 $ 121,500 $ 102,000
Greene, Ohio 2 $ 326,000 $ 163,000 $ 105,000
Hardin, Ohio 2 $ 162,000 $ 81,000 $ 24,000
Harrison, Ohio 2 $ 295,000 $ 147,500 $ 32,000
Henry, Ohio 2 $ 175,000 $ 87,500 $ 40,000
Highland, Ohio 2 $ 440,000 $ 220,000 $ 105,000
Huron, Ohio 2 $ 125,000 $ 62,500 $ 24,000
Morrow, Ohio 2 $ 315,000 $ 157,500 $ 70,000
Pickaway, Ohio 2 $ 140,000 $ 70,000 $ 100,000
Richland, Ohio 2 $ 189,000 $ 94,500 $ 49,000
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Mortgage Loan Application Detail Totals for Citizens Bank, NA in 2015

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 16,038 $4,296,924,000 $267,000 $24,375,000 $140,000 $9,999,000
Home Purchase 12,238 $4,116,245,000 $336,000 $16,500,000 $157,000 $9,999,000
Home Improvement 6,037 $320,480,000 $53,000 $42,500,000 $50,000 $8,998,000

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 19,382 $4,801,653,000 $247,000 $9,600,000 $129,000 $7,711,000
Not Provided 9,998 $2,910,224,000 $291,000 $15,000,000 $155,000 $9,999,000
Black or African American 2,431 $195,254,000 $80,000 $3,760,000 $66,000 $9,161,000
Hispanic 1,282 $167,339,000 $130,000 $2,292,000 $70,000 $1,200,000
Asian 1,043 $415,700,000 $398,000 $5,688,000 $161,000 $2,072,000
American Indian or Alaskan Native 73 $9,909,000 $135,000 $2,175,000 $104,000 $879,000
Native Hawaiian or Other Pacific Islander 62 $17,806,000 $287,000 $2,160,000 $142,000 $916,000
Not applicable 42 $215,764,000 $5,137,000 $42,500,000 $33,000 $188,000

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) 31,867 $8,293,053,000 $260,000 $42,500,000 $135,000 $9,999,000
FHA-insured (Federal Housing Administration) 1,977 $342,086,000 $173,000 $1,224,000 $70,000 $1,344,000
VA-guaranteed (Veterans Administration) 431 $92,855,000 $215,000 $480,000 $81,000 $248,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 38 $5,655,000 $148,000 $281,000 $56,000 $102,000

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 19,382 $5,520,528,000 $284,000 $24,375,000 $145,000 $9,999,000
Application Denied By Financial Institution 7,592 $913,814,000 $120,000 $5,764,000 $75,000 $8,998,000
File Closed For Incompleteness 3,739 $1,094,305,000 $292,000 $7,700,000 $145,000 $3,706,000
Application Withdrawn By Applicant 2,066 $682,140,000 $330,000 $42,500,000 $147,000 $4,992,000
Application Approved But Not Accepted 1,513 $520,036,000 $343,000 $19,000,000 $167,000 $9,999,000
Loan Purchased By The Institution 21 $2,826,000 $134,000 $417,000 $66,000 $188,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 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 2,627 $311,466,000 $118,000 $4,960,000 $58,000 $2,188,000
Credit History 2,063 $115,934,000 $56,000 $2,945,000 $58,000 $8,998,000
Collateral 1,273 $324,732,000 $255,000 $5,764,000 $133,000 $2,251,000
Other 980 $45,761,000 $46,000 $5,764,000 $70,000 $2,224,000
Unverifiable Information 374 $38,360,000 $102,000 $1,432,000 $73,000 $835,000
Insufficient Cash (Downpayment, Closing Cost) 174 $57,389,000 $329,000 $5,753,000 $143,000 $2,095,000
Credit Application Incomplete 53 $13,746,000 $259,000 $1,256,000 $140,000 $1,243,000
Employment History 46 $6,002,000 $130,000 $1,400,000 $45,000 $393,000
Mortgage Insurance Denied 1 $414,000 $414,000 $414,000 $131,000 $131,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank, NA's 2015 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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