Citizens Bank, NA Mortgage Lending & HMDA Data, 2016

In 2016, Citizens Bank, NA of Providence, RI reported 36,350 mortgage applications totaling $11.2 billion, up 6% from 2015. The average application was for $307,968, and applicants reported an average income of $147,583. 58% of its applications resulted in an originated loan and 19% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (2,983), Providence-Warwick, RI-MA (2,457) and Cambridge-Newton-Framingham, MA (1,954) (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 36,350
Total Mortgage Loan Application Amount $11,194,639,000
Average Mortgage Loan Application Amount $307,968
Highest Mortgage Loan Application Amount $26,771,000
Average Applicant Income $147,583
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Act (HMDA) records Citizens Bank, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Middlesex, Massachusetts 1,469 $ 563,090,000 $ 383,315 $ 159,000
Wayne, Michigan 1,216 $ 77,087,000 $ 63,393 $ 56,000
Cuyahoga, Ohio 1,173 $ 82,825,000 $ 70,609 $ 70,000
Providence, Rhode Island 1,077 $ 149,212,000 $ 138,544 $ 80,000
Erie, New York 918 $ 74,002,000 $ 80,612 $ 64,000
New York, New York 906 $ 1,041,625,000 $ 1,149,696 $ 475,000
Philadelphia, Pennsylvania 856 $ 180,423,000 $ 210,774 $ 101,000
Norfolk, Massachusetts 788 $ 292,012,000 $ 370,573 $ 161,000
Allegheny, Pennsylvania 754 $ 118,351,000 $ 156,964 $ 100,000
Suffolk, New York 743 $ 426,550,000 $ 574,091 $ 263,000
Nassau, New York 738 $ 411,575,000 $ 557,689 $ 223,000
Oakland, Michigan 707 $ 155,871,000 $ 220,468 $ 120,000
Suffolk, Massachusetts 674 $ 217,753,000 $ 323,075 $ 154,000
Macomb, Michigan 635 $ 60,275,000 $ 94,921 $ 62,000
Cook, Illinois 572 $ 209,477,000 $ 366,218 $ 165,000
Bristol, Massachusetts 566 $ 140,386,000 $ 248,031 $ 93,000
Montgomery, Pennsylvania 563 $ 182,065,000 $ 323,383 $ 178,000
Monroe, New York 519 $ 31,575,000 $ 60,838 $ 53,000
Kings, New York 489 $ 422,735,000 $ 864,488 $ 272,000
Essex, Massachusetts 485 $ 160,026,000 $ 329,950 $ 143,000
Plymouth, Massachusetts 485 $ 144,017,000 $ 296,942 $ 138,000
Bucks, Pennsylvania 458 $ 125,735,000 $ 274,530 $ 132,000
Stark, Ohio 411 $ 30,467,000 $ 74,128 $ 53,000
Hampden, Massachusetts 409 $ 47,051,000 $ 115,039 $ 61,000
Summit, Ohio 408 $ 37,648,000 $ 92,274 $ 61,000
Lucas, Ohio 390 $ 16,181,000 $ 41,489 $ 46,000
Rockingham, New Hampshire 387 $ 88,870,000 $ 229,638 $ 122,000
Hillsborough, New Hampshire 375 $ 66,819,000 $ 178,184 $ 100,000
Queens, New York 371 $ 163,572,000 $ 440,894 $ 155,000
Westchester, New York 364 $ 244,506,000 $ 671,719 $ 268,000
Barnstable, Massachusetts 350 $ 107,091,000 $ 305,974 $ 166,000
Chester, Pennsylvania 349 $ 105,373,000 $ 301,928 $ 156,000
Kent, Rhode Island 342 $ 59,531,000 $ 174,067 $ 98,000
Fairfield, Connecticut 327 $ 290,885,000 $ 889,556 $ 403,000
New Castle, Delaware 326 $ 72,180,000 $ 221,411 $ 112,000
Worcester, Massachusetts 284 $ 67,147,000 $ 236,433 $ 117,000
Fairfax, Virginia 274 $ 221,943,000 $ 810,010 $ 250,000
Delaware, Pennsylvania 262 $ 68,110,000 $ 259,961 $ 141,000
New Haven, Connecticut 256 $ 59,272,000 $ 231,531 $ 147,000
Charleston, South Carolina 250 $ 136,718,000 $ 546,872 $ 239,000
Washington, Rhode Island 249 $ 67,298,000 $ 270,273 $ 148,000
Cape May, New Jersey 217 $ 167,856,000 $ 773,529 $ 428,000
Bergen, New Jersey 215 $ 160,155,000 $ 744,906 $ 351,000
New London, Connecticut 205 $ 30,906,000 $ 150,760 $ 101,000
Mecklenburg, North Carolina 198 $ 105,283,000 $ 531,732 $ 251,000
Luzerne, Pennsylvania 198 $ 23,954,000 $ 120,979 $ 67,000
Westmoreland, Pennsylvania 179 $ 23,185,000 $ 129,525 $ 84,000
Onondaga, New York 173 $ 10,259,000 $ 59,300 $ 62,000
Berks, Pennsylvania 164 $ 25,674,000 $ 156,548 $ 81,000
Lake, Ohio 162 $ 17,600,000 $ 108,641 $ 66,000
Atlantic, New Jersey 159 $ 50,619,000 $ 318,358 $ 195,000
Albany, New York 156 $ 20,248,000 $ 129,794 $ 91,000
Sussex, Delaware 152 $ 52,314,000 $ 344,171 $ 175,000
Niagara, New York 151 $ 11,374,000 $ 75,324 $ 56,000
Camden, New Jersey 148 $ 41,054,000 $ 277,391 $ 183,000
Monmouth, New Jersey 146 $ 74,649,000 $ 511,294 $ 256,000
Beaufort, South Carolina 145 $ 61,620,000 $ 424,965 $ 193,000
Montgomery, Maryland 143 $ 119,879,000 $ 838,314 $ 285,000
DuPage, Illinois 142 $ 77,688,000 $ 547,098 $ 240,000
Forsyth, North Carolina 142 $ 46,638,000 $ 328,436 $ 181,000
Burlington, New Jersey 138 $ 51,070,000 $ 370,072 $ 212,000
Merrimack, New Hampshire 127 $ 21,924,000 $ 172,629 $ 108,000
Strafford, New Hampshire 127 $ 16,547,000 $ 130,291 $ 89,000
Newport, Rhode Island 126 $ 41,210,000 $ 327,063 $ 148,000
Wake, North Carolina 123 $ 66,289,000 $ 538,934 $ 228,000
Horry, South Carolina 123 $ 40,451,000 $ 328,869 $ 161,000
Lancaster, Pennsylvania 120 $ 24,144,000 $ 201,200 $ 100,000
Anne Arundel, Maryland 118 $ 59,040,000 $ 500,338 $ 191,000
Saratoga, New York 117 $ 20,278,000 $ 173,316 $ 98,000
Washington, Pennsylvania 115 $ 17,532,000 $ 152,452 $ 91,000
Hartford, Connecticut 114 $ 27,793,000 $ 243,798 $ 143,000
Middlesex, Connecticut 113 $ 19,965,000 $ 176,681 $ 115,000
Dauphin, Pennsylvania 111 $ 17,634,000 $ 158,864 $ 86,000
District of Columbia, District Of Columbia 104 $ 71,056,000 $ 683,230 $ 259,000
Butler, Pennsylvania 104 $ 21,467,000 $ 206,413 $ 99,000
Morris, New Jersey 102 $ 61,474,000 $ 602,686 $ 277,000
Lorain, Ohio 99 $ 14,672,000 $ 148,202 $ 85,000
Bristol, Rhode Island 97 $ 27,987,000 $ 288,525 $ 152,000
Hudson, New Jersey 94 $ 61,624,000 $ 655,574 $ 253,000
Grafton, New Hampshire 92 $ 15,058,000 $ 163,673 $ 152,000
Cumberland, Pennsylvania 92 $ 18,861,000 $ 205,010 $ 104,000
Belknap, New Hampshire 91 $ 13,843,000 $ 152,120 $ 109,000
Medina, Ohio 91 $ 10,728,000 $ 117,890 $ 67,000
Dutchess, New York 90 $ 22,319,000 $ 247,988 $ 131,000
Carroll, New Hampshire 88 $ 18,429,000 $ 209,420 $ 133,000
Orange, New York 86 $ 12,706,000 $ 147,744 $ 77,000
Essex, New Jersey 85 $ 63,107,000 $ 742,435 $ 304,000
York, Pennsylvania 84 $ 15,177,000 $ 180,678 $ 90,000
Rockland, New York 83 $ 41,668,000 $ 502,024 $ 240,000
Mahoning, Ohio 83 $ 4,729,000 $ 56,975 $ 49,000
Ocean, New Jersey 82 $ 35,465,000 $ 432,500 $ 303,000
Broome, New York 82 $ 5,371,000 $ 65,500 $ 59,000
Oneida, New York 82 $ 5,363,000 $ 65,402 $ 63,000
Franklin, Ohio 82 $ 12,912,000 $ 157,463 $ 80,000
Baltimore, Maryland 80 $ 47,978,000 $ 599,725 $ 232,000
Kent, Delaware 77 $ 14,596,000 $ 189,558 $ 103,000
Rensselaer, New York 76 $ 7,629,000 $ 100,381 $ 68,000
Geauga, Ohio 76 $ 13,081,000 $ 172,118 $ 99,000
Will, Illinois 75 $ 20,914,000 $ 278,853 $ 140,000
Wayne, New York 73 $ 3,141,000 $ 43,027 $ 43,000
Loudoun, Virginia 73 $ 46,350,000 $ 634,931 $ 201,000
Chittenden, Vermont 72 $ 17,321,000 $ 240,569 $ 139,000
Coos, New Hampshire 70 $ 3,664,000 $ 52,342 $ 98,000
Howard, Maryland 69 $ 47,567,000 $ 689,376 $ 210,000
Monroe, Pennsylvania 67 $ 9,670,000 $ 144,328 $ 100,000
York, Maine 66 $ 15,871,000 $ 240,469 $ 162,000
Brunswick, North Carolina 66 $ 20,722,000 $ 313,969 $ 162,000
Columbiana, Ohio 66 $ 4,616,000 $ 69,939 $ 50,000
Schenectady, New York 65 $ 6,826,000 $ 105,015 $ 68,000
New Hanover, North Carolina 64 $ 22,849,000 $ 357,015 $ 178,000
Livingston, Michigan 63 $ 12,049,000 $ 191,253 $ 93,000
Rutland, Vermont 63 $ 6,088,000 $ 96,634 $ 57,000
Hampshire, Massachusetts 61 $ 9,507,000 $ 155,852 $ 90,000
Shiawassee, Michigan 61 $ 1,793,000 $ 29,393 $ 38,000
Washtenaw, Michigan 61 $ 10,583,000 $ 173,491 $ 106,000
Beaver, Pennsylvania 61 $ 7,695,000 $ 126,147 $ 81,000
Albemarle, Virginia 61 $ 25,210,000 $ 413,278 $ 203,000
Lake, Illinois 60 $ 37,598,000 $ 626,633 $ 308,000
Windsor, Vermont 59 $ 11,103,000 $ 188,186 $ 128,000
Lackawanna, Pennsylvania 57 $ 8,629,000 $ 151,385 $ 109,000
Guilford, North Carolina 56 $ 19,267,000 $ 344,053 $ 169,000
Erie, Pennsylvania 54 $ 6,774,000 $ 125,444 $ 72,000
Palm Beach, Florida 53 $ 16,430,000 $ 310,000 $ 266,000
Middlesex, New Jersey 51 $ 16,833,000 $ 330,058 $ 166,000
Portage, Ohio 51 $ 6,091,000 $ 119,431 $ 67,000
Union, New Jersey 49 $ 40,924,000 $ 835,183 $ 339,000
Otsego, New York 49 $ 3,990,000 $ 81,428 $ 61,000
Blair, Pennsylvania 49 $ 5,484,000 $ 111,918 $ 64,000
Ulster, New York 48 $ 6,052,000 $ 126,083 $ 87,000
Scioto, Ohio 48 $ 2,255,000 $ 46,979 $ 48,000
Berkeley, South Carolina 47 $ 31,808,000 $ 676,765 $ 316,000
Gloucester, New Jersey 46 $ 10,095,000 $ 219,456 $ 134,000
Centre, Pennsylvania 46 $ 8,174,000 $ 177,695 $ 80,000
Pike, Pennsylvania 45 $ 6,607,000 $ 146,822 $ 106,000
York, South Carolina 45 $ 14,561,000 $ 323,577 $ 110,000
Warren, New York 43 $ 7,609,000 $ 176,953 $ 116,000
Union, North Carolina 42 $ 22,795,000 $ 542,738 $ 232,000
Arlington, Virginia 42 $ 30,716,000 $ 731,333 $ 274,000
Los Angeles, California 40 $ 43,496,000 $ 1,087,400 $ 422,000
Windham, Connecticut 40 $ 5,237,000 $ 130,925 $ 68,000
Ingham, Michigan 40 $ 5,223,000 $ 130,575 $ 82,000
Trumbull, Ohio 40 $ 2,754,000 $ 68,850 $ 50,000
Bronx, New York 39 $ 11,621,000 $ 297,974 $ 144,000
Ontario, New York 39 $ 3,241,000 $ 83,102 $ 68,000
Lehigh, Pennsylvania 39 $ 10,404,000 $ 266,769 $ 139,000
Harford, Maryland 38 $ 17,254,000 $ 454,052 $ 147,000
Monroe, Michigan 38 $ 4,361,000 $ 114,763 $ 63,000
Henrico, Virginia 38 $ 12,663,000 $ 333,236 $ 134,000
Cumberland, Maine 37 $ 16,217,000 $ 438,297 $ 227,000
Hennepin, Minnesota 37 $ 23,556,000 $ 636,648 $ 330,000
Litchfield, Connecticut 36 $ 27,808,000 $ 772,444 $ 739,000
Iredell, North Carolina 36 $ 22,379,000 $ 621,638 $ 240,000
St. Clair, Michigan 35 $ 4,191,000 $ 119,742 $ 67,000
Baltimore City, Maryland 34 $ 9,949,000 $ 292,617 $ 141,000
Genesee, Michigan 34 $ 3,724,000 $ 109,529 $ 71,000
Somerset, New Jersey 34 $ 20,702,000 $ 608,882 $ 301,000
Fulton, New York 34 $ 2,174,000 $ 63,941 $ 52,000
Richmond, New York 34 $ 16,237,000 $ 477,558 $ 157,000
Jefferson, Kentucky 33 $ 6,017,000 $ 182,333 $ 81,000
Prince George's, Maryland 33 $ 14,934,000 $ 452,545 $ 148,000
Cheshire, New Hampshire 33 $ 4,466,000 $ 135,333 $ 95,000
Mercer, New Jersey 32 $ 21,872,000 $ 683,500 $ 252,000
Wood, Ohio 32 $ 4,236,000 $ 132,375 $ 76,000
Washington, New York 31 $ 2,188,000 $ 70,580 $ 42,000
Mercer, Pennsylvania 31 $ 4,273,000 $ 137,838 $ 93,000
Saginaw, Michigan 30 $ 1,086,000 $ 36,200 $ 34,000
Sullivan, New Hampshire 30 $ 3,699,000 $ 123,300 $ 70,000
Putnam, New York 30 $ 12,196,000 $ 406,533 $ 221,000
Bennington, Vermont 30 $ 3,870,000 $ 129,000 $ 120,000
Miami-Dade, Florida 28 $ 28,194,000 $ 1,006,928 $ 366,000
Berkshire, Massachusetts 28 $ 5,263,000 $ 187,964 $ 93,000
Nantucket, Massachusetts 28 $ 36,287,000 $ 1,295,964 $ 744,000
Hamilton, Ohio 28 $ 9,233,000 $ 329,750 $ 163,000
Northampton, Pennsylvania 28 $ 6,281,000 $ 224,321 $ 105,000
Hanover, Virginia 28 $ 8,356,000 $ 298,428 $ 98,000
Madison, New York 27 $ 734,000 $ 27,185 $ 32,000
Prince William, Virginia 27 $ 8,653,000 $ 320,481 $ 137,000
Collier, Florida 26 $ 9,126,000 $ 351,000 $ 321,000
Addison, Vermont 26 $ 2,396,000 $ 92,153 $ 54,000
Windham, Vermont 26 $ 4,907,000 $ 188,730 $ 96,000
Hamilton, Indiana 25 $ 6,265,000 $ 250,600 $ 134,000
Tuscarawas, Ohio 25 $ 2,623,000 $ 104,920 $ 65,000
Georgetown, South Carolina 25 $ 9,681,000 $ 387,240 $ 216,000
Lee, Florida 24 $ 4,189,000 $ 174,541 $ 136,000
Butler, Ohio 24 $ 10,624,000 $ 442,666 $ 384,000
Passaic, New Jersey 23 $ 7,305,000 $ 317,608 $ 143,000
Livingston, New York 23 $ 832,000 $ 36,173 $ 51,000
Essex, New York 22 $ 2,297,000 $ 104,409 $ 82,000
Kalamazoo, Michigan 21 $ 1,126,000 $ 53,619 $ 38,000
Hunterdon, New Jersey 20 $ 8,741,000 $ 437,050 $ 236,000
Durham, North Carolina 20 $ 9,073,000 $ 453,650 $ 193,000
Armstrong, Pennsylvania 20 $ 2,081,000 $ 104,050 $ 72,000
Franklin, Massachusetts 19 $ 3,478,000 $ 183,052 $ 96,000
Clinton, New York 19 $ 1,098,000 $ 57,789 $ 53,000
Orleans, New York 19 $ 726,000 $ 38,210 $ 53,000
Franklin, Vermont 19 $ 1,538,000 $ 80,947 $ 47,000
Broward, Florida 18 $ 7,485,000 $ 415,833 $ 208,000
Marion, Indiana 18 $ 1,652,000 $ 91,777 $ 84,000
Herkimer, New York 18 $ 1,124,000 $ 62,444 $ 54,000
Charlottesville, Virginia 18 $ 5,923,000 $ 329,055 $ 157,000
Chesterfield, Virginia 18 $ 7,152,000 $ 397,333 $ 179,000
Sarasota, Florida 17 $ 5,153,000 $ 303,117 $ 212,000
Kent, Michigan 17 $ 1,641,000 $ 96,529 $ 64,000
Lapeer, Michigan 17 $ 3,153,000 $ 185,470 $ 89,000
Columbia, New York 17 $ 3,640,000 $ 214,117 $ 166,000
Orange, North Carolina 17 $ 10,141,000 $ 596,529 $ 275,000
Warren, Ohio 17 $ 7,765,000 $ 456,764 $ 153,000
Alexandria, Virginia 17 $ 13,006,000 $ 765,058 $ 274,000
Volusia, Florida 16 $ 2,787,000 $ 174,187 $ 97,000
Worcester, Maryland 16 $ 4,005,000 $ 250,312 $ 252,000
Chenango, New York 16 $ 1,349,000 $ 84,312 $ 70,000
Cabarrus, North Carolina 16 $ 6,042,000 $ 377,625 $ 139,000
Chatham, North Carolina 16 $ 8,315,000 $ 519,687 $ 197,000
Watauga, North Carolina 16 $ 3,964,000 $ 247,750 $ 169,000
Lawrence, Pennsylvania 16 $ 1,797,000 $ 112,312 $ 61,000
Lebanon, Pennsylvania 16 $ 2,646,000 $ 165,375 $ 136,000
Wayne, Pennsylvania 16 $ 3,701,000 $ 231,312 $ 189,000
Richmond City, Virginia 16 $ 5,747,000 $ 359,187 $ 149,000
Hillsborough, Florida 15 $ 5,023,000 $ 334,866 $ 255,000
Dukes, Massachusetts 15 $ 7,522,000 $ 501,466 $ 251,000
Davie, North Carolina 15 $ 4,857,000 $ 323,800 $ 158,000
Oxford, Maine 14 $ 2,372,000 $ 169,428 $ 128,000
Carroll, Maryland 14 $ 6,825,000 $ 487,500 $ 140,000
Chautauqua, New York 14 $ 1,231,000 $ 87,928 $ 58,000
Montgomery, New York 14 $ 759,000 $ 54,214 $ 51,000
Lincoln, North Carolina 14 $ 9,366,000 $ 669,000 $ 185,000
Fulton, Georgia 13 $ 2,730,000 $ 210,000 $ 116,000
Kane, Illinois 13 $ 2,523,000 $ 194,076 $ 111,000
Genesee, New York 13 $ 710,000 $ 54,615 $ 38,000
Greene, New York 13 $ 2,850,000 $ 219,230 $ 106,000
Davidson, North Carolina 13 $ 2,802,000 $ 215,538 $ 92,000
Delaware, Ohio 13 $ 3,675,000 $ 282,692 $ 138,000
Crawford, Pennsylvania 13 $ 1,307,000 $ 100,538 $ 49,000
Mifflin, Pennsylvania 13 $ 1,250,000 $ 96,153 $ 51,000
Schuylkill, Pennsylvania 13 $ 1,763,000 $ 135,615 $ 70,000
Orange, Vermont 13 $ 2,370,000 $ 182,307 $ 79,000
Maricopa, Arizona 12 $ 6,114,000 $ 509,500 $ 211,000
San Diego, California 12 $ 8,376,000 $ 698,000 $ 171,000
Tolland, Connecticut 12 $ 2,434,000 $ 202,833 $ 122,000
Pasco, Florida 12 $ 1,539,000 $ 128,250 $ 74,000
Eaton, Michigan 12 $ 1,387,000 $ 115,583 $ 87,000
Sussex, New Jersey 12 $ 4,164,000 $ 347,000 $ 140,000
Warren, New Jersey 12 $ 2,066,000 $ 172,166 $ 115,000
Avery, North Carolina 12 $ 4,800,000 $ 400,000 $ 210,000
Dare, North Carolina 12 $ 6,495,000 $ 541,250 $ 369,000
James City, Virginia 12 $ 4,072,000 $ 339,333 $ 123,000
Manatee, Florida 11 $ 2,346,000 $ 213,272 $ 220,000
Oldham, Kentucky 11 $ 3,457,000 $ 314,272 $ 129,000
Queen Anne's, Maryland 11 $ 5,507,000 $ 500,636 $ 212,000
Tioga, New York 11 $ 1,156,000 $ 105,090 $ 44,000
Wyoming, New York 11 $ 511,000 $ 46,454 $ 44,000
Perry, Pennsylvania 11 $ 1,537,000 $ 139,727 $ 47,000
Washington, Vermont 11 $ 2,503,000 $ 227,545 $ 127,000
McHenry, Illinois 10 $ 2,367,000 $ 236,700 $ 128,000
Cecil, Maryland 10 $ 3,297,000 $ 329,700 $ 112,000
Frederick, Maryland 10 $ 4,288,000 $ 428,800 $ 175,000
Jackson, Michigan 10 $ 2,189,000 $ 218,900 $ 92,000
Salem, New Jersey 10 $ 2,990,000 $ 299,000 $ 194,000
Oswego, New York 10 $ 242,000 $ 24,200 $ 43,000
Sullivan, New York 10 $ 2,411,000 $ 241,100 $ 158,000
Buncombe, North Carolina 10 $ 2,540,000 $ 254,000 $ 91,000
Carroll, Ohio 10 $ 799,000 $ 79,900 $ 65,000
Licking, Ohio 10 $ 2,046,000 $ 204,600 $ 96,000
Franklin, Pennsylvania 10 $ 1,496,000 $ 149,600 $ 73,000
Venango, Pennsylvania 10 $ 1,081,000 $ 108,100 $ 68,000
Essex, Vermont 10 $ 434,000 $ 43,400 $ 71,000
Kendall, Illinois 9 $ 1,880,000 $ 208,888 $ 110,000
Montgomery, Ohio 9 $ 1,452,000 $ 161,333 $ 147,000
Wayne, Ohio 9 $ 782,000 $ 86,888 $ 48,000
Fayette, Pennsylvania 9 $ 1,289,000 $ 143,222 $ 103,000
Greenville, South Carolina 9 $ 1,961,000 $ 217,888 $ 80,000
Williamson, Tennessee 9 $ 5,304,000 $ 589,333 $ 197,000
Virginia Beach, Virginia 9 $ 3,530,000 $ 392,222 $ 192,000
King, Washington 9 $ 6,195,000 $ 688,333 $ 239,000
DeKalb, Georgia 8 $ 1,152,000 $ 144,000 $ 82,000
Porter, Indiana 8 $ 3,510,000 $ 438,750 $ 146,000
Calvert, Maryland 8 $ 4,843,000 $ 605,375 $ 190,000
Charles, Maryland 8 $ 2,032,000 $ 254,000 $ 131,000
Allegan, Michigan 8 $ 1,285,000 $ 160,625 $ 131,000
Clinton, Michigan 8 $ 1,447,000 $ 180,875 $ 107,000
Delaware, New York 8 $ 1,021,000 $ 127,625 $ 56,000
Hamilton, New York 8 $ 1,168,000 $ 146,000 $ 153,000
Ashtabula, Ohio 8 $ 1,072,000 $ 134,000 $ 93,000
Erie, Ohio 8 $ 749,000 $ 93,625 $ 62,000
Carbon, Pennsylvania 8 $ 1,148,000 $ 143,500 $ 130,000
Dorchester, South Carolina 8 $ 2,062,000 $ 257,750 $ 128,000
Lake, Florida 7 $ 1,222,000 $ 174,571 $ 104,000
Monroe, Florida 7 $ 2,922,000 $ 417,428 $ 296,000
Polk, Florida 7 $ 990,000 $ 141,428 $ 121,000
Gwinnett, Georgia 7 $ 51,639,000 $ 7,377,000 $ 51,000
Hendricks, Indiana 7 $ 509,000 $ 72,714 $ 73,000
Clark, Nevada 7 $ 3,795,000 $ 542,142 $ 208,000
Cortland, New York 7 $ 477,000 $ 68,142 $ 51,000
Jefferson, New York 7 $ 2,382,000 $ 340,285 $ 124,000
Tompkins, New York 7 $ 374,000 $ 53,428 $ 61,000
Currituck, North Carolina 7 $ 4,408,000 $ 629,714 $ 204,000
Gaston, North Carolina 7 $ 1,477,000 $ 211,000 $ 85,000
Clermont, Ohio 7 $ 1,419,000 $ 202,714 $ 126,000
Ottawa, Ohio 7 $ 593,000 $ 84,714 $ 111,000
Indiana, Pennsylvania 7 $ 901,000 $ 128,714 $ 90,000
Jefferson, Pennsylvania 7 $ 344,000 $ 49,142 $ 19,000
Spartanburg, South Carolina 7 $ 1,309,000 $ 187,000 $ 94,000
Fluvanna, Virginia 7 $ 1,203,000 $ 171,857 $ 91,000
Louisa, Virginia 7 $ 2,368,000 $ 338,285 $ 143,000
Riverside, California 6 $ 2,033,000 $ 338,833 $ 274,000
Charlotte, Florida 6 $ 1,118,000 $ 186,333 $ 143,000
Osceola, Florida 6 $ 1,017,000 $ 169,500 $ 117,000
Hancock, Indiana 6 $ 575,000 $ 95,833 $ 91,000
Madison, Indiana 6 $ 640,000 $ 106,666 $ 61,000
Tippecanoe, Indiana 6 $ 1,644,000 $ 274,000 $ 224,000
Boyd, Kentucky 6 $ 290,000 $ 48,333 $ 24,000
Somerset, Maine 6 $ 536,000 $ 89,333 $ 128,000
Muskegon, Michigan 6 $ 591,000 $ 98,500 $ 48,000
Roscommon, Michigan 6 $ 931,000 $ 155,166 $ 133,000
Moore, North Carolina 6 $ 2,175,000 $ 362,500 $ 165,000
Fulton, Ohio 6 $ 355,000 $ 59,166 $ 62,000
Cambria, Pennsylvania 6 $ 618,000 $ 103,000 $ 62,000
Dallas, Texas 6 $ 8,285,000 $ 1,380,833 $ 1,142,000
New Kent, Virginia 6 $ 1,911,000 $ 318,500 $ 133,000
Spotsylvania, Virginia 6 $ 1,474,000 $ 245,666 $ 108,000
Contra Costa, California 5 $ 6,299,000 $ 1,259,800 $ 308,000
Kern, California 5 $ 1,090,000 $ 218,000 $ 93,000
Orange, California 5 $ 3,838,000 $ 767,600 $ 291,000
San Francisco, California 5 $ 5,610,000 $ 1,122,000 $ 371,000
Pitkin, Colorado 5 $ 8,774,000 $ 1,754,800 $ 902,000
Flagler, Florida 5 $ 1,209,000 $ 241,800 $ 173,000
Martin, Florida 5 $ 1,583,000 $ 316,600 $ 234,000
Orange, Florida 5 $ 2,923,000 $ 584,600 $ 219,000
St. Johns, Florida 5 $ 1,187,000 $ 237,400 $ 206,000
Campbell, Kentucky 5 $ 1,224,000 $ 244,800 $ 225,000
Fayette, Kentucky 5 $ 965,000 $ 193,000 $ 63,000
Madison, Kentucky 5 $ 818,000 $ 163,600 $ 89,000
Androscoggin, Maine 5 $ 618,000 $ 123,600 $ 76,000
Penobscot, Maine 5 $ 951,000 $ 190,200 $ 134,000
St. Mary's, Maryland 5 $ 602,000 $ 120,400 $ 105,000
Talbot, Maryland 5 $ 3,206,000 $ 641,200 $ 502,000
Bay, Michigan 5 $ 613,000 $ 122,600 $ 50,000
Grand Traverse, Michigan 5 $ 543,000 $ 108,600 $ 37,000
Cattaraugus, New York 5 $ 733,000 $ 146,600 $ 108,000
Franklin, New York 5 $ 164,000 $ 32,800 $ 10,000
Yates, New York 5 $ 936,000 $ 187,200 $ 90,000
Carteret, North Carolina 5 $ 2,546,000 $ 509,200 $ 215,000
Catawba, North Carolina 5 $ 4,002,000 $ 800,400 $ 394,000
Rowan, North Carolina 5 $ 1,174,000 $ 234,800 $ 99,000
Ashland, Ohio 5 $ 528,000 $ 105,600 $ 102,000
Fairfield, Ohio 5 $ 901,000 $ 180,200 $ 90,000
Clarion, Pennsylvania 5 $ 536,000 $ 107,200 $ 72,000
Davidson, Tennessee 5 $ 1,578,000 $ 315,600 $ 138,000
Salt Lake, Utah 5 $ 2,480,000 $ 496,000 $ 224,000
Falls Church, Virginia 5 $ 3,487,000 $ 697,400 $ 263,000
Goochland, Virginia 5 $ 2,049,000 $ 409,800 $ 118,000
Nelson, Virginia 5 $ 1,715,000 $ 343,000 $ 182,000
Pima, Arizona 4 $ 500,000 $ 125,000 $ 87,000
Alameda, California 4 $ 2,200,000 $ 550,000 $ 269,000
Sacramento, California 4 $ 2,514,000 $ 628,500 $ 236,000
Denver, Colorado 4 $ 1,111,000 $ 277,750 $ 159,000
Brevard, Florida 4 $ 724,000 $ 181,000 $ 104,000
Escambia, Florida 4 $ 1,527,000 $ 381,750 $ 523,000
Okaloosa, Florida 4 $ 2,385,000 $ 596,250 $ 207,000
Seminole, Florida 4 $ 771,000 $ 192,750 $ 165,000
Cobb, Georgia 4 $ 770,000 $ 192,500 $ 76,000
Ada, Idaho 4 $ 1,359,000 $ 339,750 $ 201,000
Allen, Indiana 4 $ 677,000 $ 169,250 $ 99,000
Clark, Indiana 4 $ 759,000 $ 189,750 $ 139,000
Lake, Indiana 4 $ 272,000 $ 68,000 $ 56,000
Hancock, Maine 4 $ 1,692,000 $ 423,000 $ 404,000
Garrett, Maryland 4 $ 1,460,000 $ 365,000 $ 263,000
Alcona, Michigan 4 $ 767,000 $ 191,750 $ 142,000
Charlevoix, Michigan 4 $ 734,000 $ 183,500 $ 357,000
Cheboygan, Michigan 4 $ 1,483,000 $ 370,750 $ 270,000
Clare, Michigan 4 $ 348,000 $ 87,000 $ 74,000
Ottawa, Michigan 4 $ 17,039,000 $ 4,259,750 $ 145,000
Carver, Minnesota 4 $ 3,705,000 $ 926,250 $ 429,000
St. Charles, Missouri 4 $ 588,000 $ 147,000 $ 188,000
St. Louis, Missouri 4 $ 726,000 $ 181,500 $ 90,000
Cumberland, New Jersey 4 $ 379,000 $ 94,750 $ 43,000
Allegany, New York 4 $ 328,000 $ 82,000 $ 93,000
Cayuga, New York 4 $ 557,000 $ 139,250 $ 83,000
Schoharie, New York 4 $ 306,000 $ 76,500 $ 81,000
Seneca, New York 4 $ 115,000 $ 28,750 $ 54,000
Steuben, New York 4 $ 1,448,000 $ 362,000 $ 216,000
Alamance, North Carolina 4 $ 1,198,000 $ 299,500 $ 99,000
Henderson, North Carolina 4 $ 1,120,000 $ 280,000 $ 89,000
Stokes, North Carolina 4 $ 798,000 $ 199,500 $ 82,000
Yadkin, North Carolina 4 $ 1,432,000 $ 358,000 $ 101,000
Clearfield, Pennsylvania 4 $ 566,000 $ 141,500 $ 75,000
Clinton, Pennsylvania 4 $ 374,000 $ 93,500 $ 118,000
Lycoming, Pennsylvania 4 $ 1,024,000 $ 256,000 $ 193,000
Wyoming, Pennsylvania 4 $ 641,000 $ 160,250 $ 117,000
Sevier, Tennessee 4 $ 977,000 $ 244,250 $ 105,000
Denton, Texas 4 $ 1,517,000 $ 379,250 $ 176,000
Caledonia, Vermont 4 $ 721,000 $ 180,250 $ 166,000
Grand Isle, Vermont 4 $ 652,000 $ 163,000 $ 153,000
Lamoille, Vermont 4 $ 1,323,000 $ 330,750 $ 189,000
Hampton, Virginia 4 $ 686,000 $ 171,500 $ 53,000
Powhatan, Virginia 4 $ 1,504,000 $ 376,000 $ 137,000
Stafford, Virginia 4 $ 1,629,000 $ 407,250 $ 149,000
Eagle, Colorado 3 $ 1,952,000 $ 650,666 $ 224,000
Duval, Florida 3 $ 888,000 $ 296,000 $ 225,000
Marion, Florida 3 $ 368,000 $ 122,666 $ 65,000
Pinellas, Florida 3 $ 444,000 $ 148,000 $ 176,000
Anderson, Kentucky 3 $ 538,000 $ 179,333 $ 79,000
Boone, Kentucky 3 $ 522,000 $ 174,000 $ 123,000
Kenton, Kentucky 3 $ 365,000 $ 121,666 $ 53,000
Waldo, Maine 3 $ 642,000 $ 214,000 $ 87,000
Dorchester, Maryland 3 $ 911,000 $ 303,666 $ 119,000
Arenac, Michigan 3 $ 30,000 $ 10,000 $ 39,000
Barry, Michigan 3 $ 298,000 $ 99,333 $ 105,000
Gratiot, Michigan 3 $ 115,000 $ 38,333 $ 31,000
Leelanau, Michigan 3 $ 1,560,000 $ 520,000 $ 308,000
Lenawee, Michigan 3 $ 17,000 $ 5,666 $ 20,000
Montmorency, Michigan 3 $ 255,000 $ 85,000 $ 126,000
Van Buren, Michigan 3 $ 217,000 $ 72,333 $ 37,000
Santa Fe, New Mexico 3 $ 381,000 $ 127,000 $ 77,000
Chemung, New York 3 $ 181,000 $ 60,333 $ 30,000
St. Lawrence, New York 3 $ 254,000 $ 84,666 $ 67,000
Harnett, North Carolina 3 $ 395,000 $ 131,666 $ 97,000
Surry, North Carolina 3 $ 892,000 $ 297,333 $ 124,000
Transylvania, North Carolina 3 $ 1,006,000 $ 335,333 $ 437,000
Hancock, Ohio 3 $ 302,000 $ 100,666 $ 79,000
Huron, Ohio 3 $ 128,000 $ 42,666 $ 108,000
Preble, Ohio 3 $ 410,000 $ 136,666 $ 77,000
Multnomah, Oregon 3 $ 2,245,000 $ 748,333 $ 286,000
Adams, Pennsylvania 3 $ 481,000 $ 160,333 $ 114,000
Anderson, South Carolina 3 $ 788,000 $ 262,666 $ 139,000
Jasper, South Carolina 3 $ 635,000 $ 211,666 $ 107,000
Lancaster, South Carolina 3 $ 1,420,000 $ 473,333 $ 156,000
Lexington, South Carolina 3 $ 1,128,000 $ 376,000 $ 38,000
Richland, South Carolina 3 $ 754,000 $ 251,333 $ 88,000
Shelby, Tennessee 3 $ 391,000 $ 130,333 $ 37,000
Hidalgo, Texas 3 $ 833,000 $ 277,666 $ 202,000
Travis, Texas 3 $ 1,983,000 $ 661,000 $ 163,000
Orleans, Vermont 3 $ 124,000 $ 41,333 $ 55,000
Accomack, Virginia 3 $ 493,000 $ 164,333 $ 84,000
Caroline, Virginia 3 $ 558,000 $ 186,000 $ 89,000
Fauquier, Virginia 3 $ 707,000 $ 235,666 $ 145,000
Greene, Virginia 3 $ 762,000 $ 254,000 $ 52,000
Newport News, Virginia 3 $ 440,000 $ 146,666 $ 68,000
Norfolk, Virginia 3 $ 617,000 $ 205,666 $ 84,000
Portsmouth, Virginia 3 $ 373,000 $ 124,333 $ 48,000
Roanoke, Virginia 3 $ 1,388,000 $ 462,666 $ 231,000
York, Virginia 3 $ 2,873,000 $ 957,666 $ 241,000
Monongalia, West Virginia 3 $ 442,000 $ 147,333 $ 138,000
Waukesha, Wisconsin 3 $ 1,826,000 $ 608,666 $ 594,000
Winnebago, Wisconsin 3 $ 394,000 $ 131,333 $ 33,000
Limestone, Alabama 2 $ 140,000 $ 70,000 $ 40,000
Benton, Arkansas 2 $ 333,000 $ 166,500 $ 62,000
Marin, California 2 $ 1,830,000 $ 915,000 $ 292,000
Napa, California 2 $ 986,000 $ 493,000 $ 86,000
Nevada, California 2 $ 560,000 $ 280,000 $ 401,000
Placer, California 2 $ 604,000 $ 302,000 $ 325,000
San Bernardino, California 2 $ 838,000 $ 419,000 $ 106,000
Santa Clara, California 2 $ 1,838,000 $ 919,000 $ 450,000
Arapahoe, Colorado 2 $ 1,195,000 $ 597,500 $ 160,000
Hernando, Florida 2 $ 180,000 $ 90,000 $ 47,000
Highlands, Florida 2 $ 158,000 $ 79,000 $ 80,000
Nassau, Florida 2 $ 740,000 $ 370,000 $ 159,000
St. Lucie, Florida 2 $ 460,000 $ 230,000 $ 168,000
Columbia, Georgia 2 $ 821,000 $ 410,500 $ 240,000
Forsyth, Georgia 2 $ 306,000 $ 153,000 $ 65,000
DeKalb, Illinois 2 $ 243,000 $ 121,500 $ 451,000
LaSalle, Illinois 2 $ 187,000 $ 93,500 $ 56,000
Boone, Indiana 2 $ 488,000 $ 244,000 $ 200,000
Elkhart, Indiana 2 $ 156,000 $ 78,000 $ 59,000
Johnson, Indiana 2 $ 264,000 $ 132,000 $ 8,000
Morgan, Indiana 2 $ 296,000 $ 148,000 $ 89,000
Bullitt, Kentucky 2 $ 424,000 $ 212,000 $ 66,000
Estill, Kentucky 2 $ 216,000 $ 108,000 $ 56,000
Greenup, Kentucky 2 $ 2,000 $ 1,000 $ 0
Lincoln, Kentucky 2 $ 236,000 $ 118,000 $ 54,000
Franklin, Maine 2 $ 138,000 $ 69,000 $ 49,000
Kennebec, Maine 2 $ 266,000 $ 133,000 $ 164,000
Sagadahoc, Maine 2 $ 1,090,000 $ 545,000 $ 319,000
Antrim, Michigan 2 $ 830,000 $ 415,000 $ 295,000
Huron, Michigan 2 $ 387,000 $ 193,500 $ 218,000
Ionia, Michigan 2 $ 137,000 $ 68,500 $ 71,000
Iosco, Michigan 2 $ 292,000 $ 146,000 $ 197,000
Midland, Michigan 2 $ 236,000 $ 118,000 $ 65,000
Osceola, Michigan 2 $ 263,000 $ 131,500 $ 119,000
Sanilac, Michigan 2 $ 233,000 $ 116,500 $ 66,000
Chisago, Minnesota 2 $ 752,000 $ 376,000 $ 134,000
Olmsted, Minnesota 2 $ 703,000 $ 351,500 $ 217,000
Neshoba, Mississippi 2 $ 268,000 $ 134,000 $ 104,000
St. Louis City, Missouri 2 $ 370,000 $ 185,000 $ 264,000
Ashe, North Carolina 2 $ 632,000 $ 316,000 $ 291,000
Bladen, North Carolina 2 $ 286,000 $ 143,000 $ 63,000
Burke, North Carolina 2 $ 460,000 $ 230,000 $ 39,000
Duplin, North Carolina 2 $ 360,000 $ 180,000 $ 98,000
Johnston, North Carolina 2 $ 645,000 $ 322,500 $ 92,000
Macon, North Carolina 2 $ 571,000 $ 285,500 $ 154,000
McDowell, North Carolina 2 $ 1,130,000 $ 565,000 $ 284,000
Onslow, North Carolina 2 $ 499,000 $ 249,500 $ 135,000
Pender, North Carolina 2 $ 479,000 $ 239,500 $ 81,000
Polk, North Carolina 2 $ 756,000 $ 378,000 $ 171,000
Randolph, North Carolina 2 $ 768,000 $ 384,000 $ 98,000
Champaign, Ohio 2 $ 137,000 $ 68,500 $ 55,000
Clinton, Ohio 2 $ 187,000 $ 93,500 $ 58,000
Harrison, Ohio 2 $ 254,000 $ 127,000 $ 90,000
Holmes, Ohio 2 $ 396,000 $ 198,000 $ 88,000
Jefferson, Ohio 2 $ 134,000 $ 67,000 $ 70,000
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Mortgage Loan Application Detail Totals for Citizens Bank, NA in 2016

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 16,468 $4,473,663,000 $271,000 $21,000,000 $141,000 $9,999,000
Home Purchase 15,025 $6,107,970,000 $406,000 $26,771,000 $176,000 $7,103,000
Home Improvement 4,857 $613,006,000 $126,000 $6,600,000 $82,000 $5,983,000

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 20,578 $6,228,426,000 $302,000 $8,775,000 $153,000 $9,999,000
Not Provided 9,145 $3,592,889,000 $392,000 $12,000,000 $182,000 $9,999,000
Black or African American 2,005 $215,966,000 $107,000 $1,835,000 $65,000 $1,610,000
Asian 1,583 $710,663,000 $448,000 $5,704,000 $177,000 $2,639,000
Not applicable 1,575 $164,803,000 $104,000 $26,771,000 $0 $0
Hispanic 1,336 $253,759,000 $189,000 $2,360,000 $95,000 $3,329,000
American Indian or Alaskan Native 73 $18,629,000 $255,000 $1,280,000 $145,000 $594,000
Native Hawaiin or Other Pacific Islander 55 $9,504,000 $172,000 $1,658,000 $79,000 $430,000

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) 33,426 $10,647,660,000 $318,000 $26,771,000 $155,000 $9,999,000
FHA-insured (Federal Housing Administration) 2,373 $429,833,000 $181,000 $736,000 $64,000 $506,000
VA-guaranteed (Veterans Administration) 549 $116,731,000 $212,000 $620,000 $77,000 $343,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $415,000 $207,000 $276,000 $70,000 $99,000

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 20,991 $7,391,631,000 $352,000 $26,771,000 $170,000 $9,999,000
Application Denied By Financial Institution 6,997 $1,532,410,000 $219,000 $9,600,000 $109,000 $9,999,000
File Closed For Incompleteness 3,874 $1,349,444,000 $348,000 $12,000,000 $156,000 $7,200,000
Application Withdrawn By Applicant 2,108 $728,965,000 $345,000 $4,875,000 $169,000 $9,999,000
Loan Purchased By The Institution 1,955 $100,280,000 $51,000 $532,000 $15,000 $454,000
Application Approved But Not Accepted 425 $91,909,000 $216,000 $4,749,000 $120,000 $1,349,000
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 2,035 $374,816,000 $184,000 $5,250,000 $68,000 $1,171,000
Collateral 1,346 $470,145,000 $349,000 $8,775,000 $170,000 $9,999,000
Credit History 1,289 $123,743,000 $95,000 $4,935,000 $69,000 $2,353,000
Other 921 $53,025,000 $57,000 $6,600,000 $81,000 $3,055,000
Unverifiable Information 849 $276,161,000 $325,000 $9,600,000 $162,000 $3,258,000
Insufficient Cash (Downpayment, Closing Cost) 410 $195,075,000 $475,000 $8,400,000 $194,000 $3,589,000
Credit Application Incomplete 97 $24,528,000 $252,000 $2,200,000 $121,000 $543,000
Employment History 45 $11,635,000 $258,000 $1,122,000 $78,000 $840,000
Mortgage Insurance Denied 4 $3,095,000 $773,000 $2,400,000 $178,000 $468,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank, NA's 2016 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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