Citizens Bank, NA Mortgage Lending & HMDA Data, 2025
In 2025, Citizens Bank, NA of Providence, RI reported 143,373 mortgage applications totaling $41.1 billion, up 23% from 2024. The average application was for $286,976, and applicants reported an average income of $182,188. 48% of its applications resulted in an originated loan and 24% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (10,828), Providence-Warwick, RI-MA (7,923) and Boston, MA (6,340) (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 | 143,373 |
| Total Mortgage Loan Application Amount | $41,144,715,000 |
| Average Mortgage Loan Application Amount | $286,976 |
| Highest Mortgage Loan Application Amount | $40,005,000 |
| Average Applicant Income | $182,188 |
| Highest Applicant Income | $9,974,000 |
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Act (HMDA) records Citizens Bank, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 10,911 | $ 2,649,925,000 | $ 242,867 | $ 155,644 |
| New York-Jersey City-White Plains, NY-NJ | 10,828 | $ 5,547,660,000 | $ 512,343 | $ 301,320 |
| Providence-Warwick, RI-MA | 7,923 | $ 1,663,325,000 | $ 209,936 | $ 138,188 |
| Boston, MA | 6,340 | $ 1,943,590,000 | $ 306,559 | $ 202,000 |
| Cambridge-Newton-Framingham, MA | 6,102 | $ 2,098,420,000 | $ 343,890 | $ 212,000 |
| Pittsburgh, PA | 5,919 | $ 932,025,000 | $ 157,463 | $ 116,000 |
| Montgomery County-Bucks County-Chester County, PA | 4,910 | $ 1,230,710,000 | $ 250,653 | $ 176,000 |
| Nassau County-Suffolk County, NY | 4,711 | $ 2,362,595,000 | $ 501,506 | $ 309,000 |
| Lakewood-New Brunswick, NJ | 4,133 | $ 1,321,555,000 | $ 319,756 | $ 229,000 |
| Cleveland, OH | 3,795 | $ 574,955,000 | $ 151,503 | $ 110,000 |
| Philadelphia, PA | 3,550 | $ 586,690,000 | $ 165,264 | $ 121,000 |
| Warren-Troy-Farmington Hills, MI | 3,277 | $ 624,055,000 | $ 190,434 | $ 136,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 3,061 | $ 494,325,000 | $ 161,491 | $ 112,000 |
| Newark, NJ-PA | 2,894 | $ 923,980,000 | $ 319,274 | $ 244,000 |
| Detroit-Dearborn-Livonia, MI | 2,254 | $ 318,640,000 | $ 141,366 | $ 107,000 |
| Rochester, NY | 2,244 | $ 402,640,000 | $ 179,429 | $ 113,000 |
| Camden, NJ | 1,900 | $ 369,760,000 | $ 194,610 | $ 160,000 |
| Rockingham County-Strafford County, NH | 1,898 | $ 546,770,000 | $ 288,076 | $ 175,000 |
| Manchester-Nashua, NH | 1,561 | $ 341,345,000 | $ 218,670 | $ 143,000 |
| Bridgeport-Stamford-Norwalk, CT | 1,487 | $ 872,685,000 | $ 586,876 | $ 406,000 |
| Albany-Schenectady-Troy, NY | 1,341 | $ 237,705,000 | $ 177,259 | $ 127,000 |
| Hartford-West Hartford-East Hartford, CT | 1,316 | $ 267,970,000 | $ 203,624 | $ 148,000 |
| Worcester, MA-CT | 1,242 | $ 268,810,000 | $ 216,433 | $ 155,000 |
| Arlington-Alexandria-Reston, VA-WV | 1,196 | $ 474,420,000 | $ 396,672 | $ 242,934 |
| Barnstable Town, MA | 1,149 | $ 336,445,000 | $ 292,815 | $ 191,000 |
| Akron, OH | 1,083 | $ 160,935,000 | $ 148,601 | $ 112,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1,021 | $ 284,375,000 | $ 278,525 | $ 176,000 |
| Wilmington, DE-MD-NJ | 1,008 | $ 175,110,000 | $ 173,720 | $ 137,567 |
| New Haven-Milford, CT | 937 | $ 205,845,000 | $ 219,685 | $ 157,000 |
| Springfield, MA | 936 | $ 155,580,000 | $ 166,217 | $ 95,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 921 | $ 227,695,000 | $ 247,225 | $ 184,000 |
| Chicago-Naperville, IL | 916 | $ 231,690,000 | $ 252,936 | $ 186,000 |
| Miami-Miami Beach-Kendall, FL | 852 | $ 417,290,000 | $ 489,776 | $ 321,000 |
| Toledo, OH | 833 | $ 97,415,000 | $ 116,944 | $ 95,000 |
| Charlotte-Concord-Gastonia, NC-SC | 759 | $ 199,405,000 | $ 262,720 | $ 202,027 |
| Canton-Massillon, OH | 729 | $ 88,565,000 | $ 121,488 | $ 88,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 727 | $ 428,605,000 | $ 589,552 | $ 391,000 |
| Norwich-New London, CT | 723 | $ 135,625,000 | $ 187,586 | $ 124,000 |
| Cincinnati, OH-KY-IN | 722 | $ 152,030,000 | $ 210,567 | $ 135,393 |
| Atlantic City-Hammonton, NJ | 700 | $ 360,740,000 | $ 515,342 | $ 358,000 |
| Syracuse, NY | 687 | $ 133,165,000 | $ 193,835 | $ 123,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 668 | $ 198,280,000 | $ 296,826 | $ 164,000 |
| Reading, PA | 660 | $ 99,410,000 | $ 150,621 | $ 98,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 656 | $ 210,770,000 | $ 321,295 | $ 222,000 |
| Trenton, NJ | 649 | $ 146,195,000 | $ 225,261 | $ 163,000 |
| Baltimore-Columbia-Towson, MD | 603 | $ 162,555,000 | $ 269,577 | $ 170,000 |
| Harrisburg-Carlisle, PA | 552 | $ 91,770,000 | $ 166,250 | $ 116,000 |
| Washington-Baltimore-Arlington, DC | 551 | $ 195,215,000 | $ 354,292 | $ 237,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 546 | $ 76,490,000 | $ 140,091 | $ 109,000 |
| Omaha-Council Bluffs, NE-IA | 545 | $ 157,205,000 | $ 288,449 | $ 166,959 |
| Columbus, OH | 515 | $ 113,685,000 | $ 220,747 | $ 155,000 |
| Orlando-Kissimmee-Sanford, FL | 506 | $ 138,580,000 | $ 273,873 | $ 175,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 494 | $ 90,760,000 | $ 183,724 | $ 181,623 |
| Washington, DC-MD | 457 | $ 147,635,000 | $ 323,052 | $ 233,336 |
| Memphis, TN-MS-AR | 447 | $ 106,405,000 | $ 238,042 | $ 143,565 |
| Lincoln, NE | 429 | $ 118,205,000 | $ 275,536 | $ 142,000 |
| Indianapolis-Carmel-Anderson, IN | 426 | $ 75,520,000 | $ 177,276 | $ 140,000 |
| Richmond, VA | 414 | $ 110,340,000 | $ 266,521 | $ 159,000 |
| Tampa, FL | 410 | $ 105,300,000 | $ 256,829 | $ 160,000 |
| Youngstown-Warren-Boardman, OH-PA | 385 | $ 48,375,000 | $ 125,649 | $ 88,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 382 | $ 103,500,000 | $ 270,942 | $ 179,539 |
| Sioux Falls, SD | 380 | $ 109,460,000 | $ 288,052 | $ 153,118 |
| Lancaster, PA | 377 | $ 71,295,000 | $ 189,111 | $ 123,000 |
| Jacksonville, FL | 370 | $ 167,540,000 | $ 452,810 | $ 234,000 |
| Portland-South Portland, ME | 352 | $ 110,390,000 | $ 313,607 | $ 188,000 |
| Waterbury-Shelton, CT | 341 | $ 60,145,000 | $ 176,378 | $ 140,000 |
| Marietta, GA | 338 | $ 95,570,000 | $ 282,751 | $ 166,000 |
| Raleigh, NC | 335 | $ 85,365,000 | $ 254,820 | $ 176,000 |
| York-Hanover, PA | 334 | $ 57,140,000 | $ 171,077 | $ 121,000 |
| Louisville/Jefferson County, KY-IN | 333 | $ 63,925,000 | $ 191,966 | $ 124,276 |
| Greenville-Anderson-Mauldin, SC | 322 | $ 76,400,000 | $ 237,267 | $ 135,000 |
| St. Louis, MO-IL | 299 | $ 90,075,000 | $ 301,254 | $ 151,193 |
| Milwaukee-Waukesha-West Allis, WI | 291 | $ 86,125,000 | $ 295,962 | $ 132,000 |
| Charleston-North Charleston, SC | 284 | $ 89,190,000 | $ 314,049 | $ 254,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 284 | $ 72,820,000 | $ 256,408 | $ 168,538 |
| Utica-Rome, NY | 279 | $ 43,335,000 | $ 155,322 | $ 96,000 |
| Burlington-South Burlington, VT | 277 | $ 60,295,000 | $ 217,671 | $ 186,000 |
| North Port-Sarasota-Bradenton, FL | 277 | $ 97,665,000 | $ 352,581 | $ 194,000 |
| Dover, DE | 276 | $ 39,510,000 | $ 143,152 | $ 106,000 |
| Cape Coral-Fort Myers, FL | 265 | $ 81,685,000 | $ 308,245 | $ 270,000 |
| Los Angeles-Long Beach-Glendale, CA | 257 | $ 476,245,000 | $ 1,853,093 | $ 686,000 |
| Binghamton, NY | 254 | $ 30,760,000 | $ 121,102 | $ 92,000 |
| Birmingham-Hoover, AL | 253 | $ 60,605,000 | $ 239,545 | $ 140,000 |
| Des Moines-West Des Moines, IA | 253 | $ 58,805,000 | $ 232,430 | $ 118,000 |
| San Francisco-Redwood City-South San Francisco, CA | 248 | $ 577,290,000 | $ 2,327,782 | $ 1,126,000 |
| Lexington-Fayette, KY | 240 | $ 60,910,000 | $ 253,791 | $ 141,000 |
| State College, PA | 238 | $ 50,560,000 | $ 212,436 | $ 131,000 |
| Naples-Immokalee-Marco Island, FL | 237 | $ 127,365,000 | $ 537,405 | $ 376,000 |
| Augusta-Richmond County, GA-SC | 235 | $ 48,615,000 | $ 206,872 | $ 140,421 |
| Little Rock-North Little Rock-Conway, AR | 234 | $ 52,240,000 | $ 223,247 | $ 136,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 233 | $ 45,145,000 | $ 193,755 | $ 125,000 |
| Phoenix-Mesa-Scottsdale, AZ | 232 | $ 103,210,000 | $ 444,870 | $ 161,000 |
| Erie, PA | 228 | $ 26,610,000 | $ 116,710 | $ 88,000 |
| Kingston, NY | 228 | $ 53,130,000 | $ 233,026 | $ 155,000 |
| Boise City, ID | 224 | $ 73,640,000 | $ 328,750 | $ 150,000 |
| Port St. Lucie, FL | 205 | $ 72,805,000 | $ 355,146 | $ 222,000 |
| Ann Arbor, MI | 201 | $ 42,045,000 | $ 209,179 | $ 158,000 |
| Cleveland, TN | 192 | $ 45,420,000 | $ 236,562 | $ 106,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 192 | $ 48,780,000 | $ 254,062 | $ 145,000 |
| Glens Falls, NY | 192 | $ 35,830,000 | $ 186,614 | $ 120,000 |
| St. Petersburg-Clearwater-Largo, FL | 189 | $ 55,565,000 | $ 293,994 | $ 184,000 |
| Oklahoma City, OK | 184 | $ 42,870,000 | $ 232,989 | $ 155,000 |
| Denver-Aurora-Lakewood, CO | 181 | $ 92,455,000 | $ 510,801 | $ 211,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 180 | $ 40,540,000 | $ 225,222 | $ 143,000 |
| Amherst Town-Northampton, MA | 179 | $ 35,385,000 | $ 197,681 | $ 119,000 |
| Flint, MI | 174 | $ 25,540,000 | $ 146,781 | $ 104,000 |
| Dallas-Plano-Irving, TX | 172 | $ 77,330,000 | $ 449,593 | $ 201,000 |
| Wilmington, NC | 171 | $ 39,515,000 | $ 231,081 | $ 158,000 |
| Altoona, PA | 164 | $ 19,200,000 | $ 117,073 | $ 83,000 |
| Columbia, SC | 162 | $ 32,130,000 | $ 198,333 | $ 131,000 |
| San Diego-Carlsbad, CA | 159 | $ 249,725,000 | $ 1,570,597 | $ 657,000 |
| Chattanooga, TN-GA | 157 | $ 37,445,000 | $ 238,503 | $ 142,547 |
| Grand Rapids-Wyoming, MI | 156 | $ 30,810,000 | $ 197,500 | $ 116,000 |
| Houston-The Woodlands-Sugar Land, TX | 154 | $ 55,400,000 | $ 359,740 | $ 164,000 |
| Knoxville, TN | 153 | $ 35,895,000 | $ 234,607 | $ 143,000 |
| Dayton-Springfield-Kettering, OH | 148 | $ 28,080,000 | $ 189,729 | $ 137,000 |
| Durham-Chapel Hill, NC | 144 | $ 43,070,000 | $ 299,097 | $ 186,000 |
| Tulsa, OK | 142 | $ 32,090,000 | $ 225,985 | $ 116,000 |
| Crestview-Fort Walton Beach-Destin, FL | 138 | $ 100,570,000 | $ 728,768 | $ 359,000 |
| Athens-Clarke County, GA | 137 | $ 43,315,000 | $ 316,167 | $ 154,000 |
| Asheville, NC | 135 | $ 27,355,000 | $ 202,629 | $ 155,000 |
| Monroe, MI | 130 | $ 19,370,000 | $ 149,000 | $ 105,000 |
| Spokane-Spokane Valley, WA | 130 | $ 45,880,000 | $ 352,923 | $ 181,000 |
| Fargo, ND-MN | 128 | $ 35,470,000 | $ 277,109 | $ 135,976 |
| Huntsville, AL | 124 | $ 35,640,000 | $ 287,419 | $ 154,000 |
| Cedar Rapids, IA | 123 | $ 27,485,000 | $ 223,455 | $ 128,000 |
| Greensboro-High Point, NC | 123 | $ 23,435,000 | $ 190,528 | $ 139,000 |
| Lakeland-Winter Haven, FL | 123 | $ 23,295,000 | $ 189,390 | $ 147,000 |
| Palm Bay-Melbourne-Titusville, FL | 123 | $ 32,315,000 | $ 262,723 | $ 156,000 |
| Winston-Salem, NC | 121 | $ 23,955,000 | $ 197,975 | $ 156,000 |
| Las Vegas-Henderson-Paradise, NV | 120 | $ 53,630,000 | $ 446,916 | $ 209,000 |
| Lake County-Porter County-Jasper County, IN | 115 | $ 19,585,000 | $ 170,304 | $ 108,000 |
| Pensacola-Ferry Pass-Brent, FL | 114 | $ 31,570,000 | $ 276,929 | $ 152,000 |
| Elgin, IL | 110 | $ 28,210,000 | $ 256,454 | $ 165,000 |
| Hagerstown-Martinsburg, MD-WV | 108 | $ 24,480,000 | $ 226,666 | $ 120,222 |
| Kansas City, MO-KS | 108 | $ 32,550,000 | $ 301,388 | $ 219,333 |
| Hilton Head Island-Bluffton-Beaufort, SC | 104 | $ 31,170,000 | $ 299,711 | $ 209,000 |
| Las Cruces, NM | 103 | $ 25,615,000 | $ 248,689 | $ 137,000 |
| Anaheim-Santa Ana-Irvine, CA | 102 | $ 106,230,000 | $ 1,041,470 | $ 539,000 |
| Savannah, GA | 98 | $ 24,780,000 | $ 252,857 | $ 166,000 |
| Fort Worth-Arlington, TX | 96 | $ 35,310,000 | $ 367,812 | $ 180,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 94 | $ 44,160,000 | $ 469,787 | $ 155,414 |
| Riverside-San Bernardino-Ontario, CA | 93 | $ 44,865,000 | $ 482,419 | $ 192,000 |
| Lake County-Kenosha County, IL-WI | 91 | $ 26,265,000 | $ 288,626 | $ 212,000 |
| Wichita Falls, TX | 91 | $ 20,725,000 | $ 227,747 | $ 123,000 |
| Jackson, TN | 88 | $ 17,500,000 | $ 198,863 | $ 97,000 |
| Clarksville, TN-KY | 87 | $ 14,395,000 | $ 165,459 | $ 92,850 |
| Pittsfield, MA | 86 | $ 16,080,000 | $ 186,976 | $ 133,000 |
| Tucson, AZ | 86 | $ 25,900,000 | $ 301,162 | $ 149,000 |
| Spartanburg, SC | 85 | $ 15,245,000 | $ 179,352 | $ 111,000 |
| Lynchburg, VA | 84 | $ 18,560,000 | $ 220,952 | $ 144,000 |
| Paducah, KY-IL | 82 | $ 14,820,000 | $ 180,731 | $ 124,243 |
| Idaho Falls, ID | 81 | $ 23,555,000 | $ 290,802 | $ 111,000 |
| Iowa City, IA | 81 | $ 21,405,000 | $ 264,259 | $ 131,000 |
| Sandusky, OH | 81 | $ 16,395,000 | $ 202,407 | $ 186,000 |
| Bowling Green, KY | 80 | $ 13,760,000 | $ 172,000 | $ 103,000 |
| Lansing-East Lansing, MI | 79 | $ 11,285,000 | $ 142,848 | $ 152,000 |
| Oakland-Hayward-Berkeley, CA | 79 | $ 142,055,000 | $ 1,798,164 | $ 517,000 |
| Austin-Round Rock, TX | 78 | $ 59,110,000 | $ 757,820 | $ 340,000 |
| Jackson, MS | 78 | $ 20,450,000 | $ 262,179 | $ 133,000 |
| Albuquerque, NM | 77 | $ 24,125,000 | $ 313,311 | $ 153,000 |
| Coeur D'Alene, ID | 76 | $ 29,900,000 | $ 393,421 | $ 161,000 |
| Saginaw, MI | 70 | $ 8,970,000 | $ 128,142 | $ 89,000 |
| San Antonio-New Braunfels, TX | 70 | $ 26,140,000 | $ 373,428 | $ 177,000 |
| San Rafael, CA | 70 | $ 121,160,000 | $ 1,730,857 | $ 796,000 |
| Roanoke, VA | 69 | $ 14,165,000 | $ 205,289 | $ 105,000 |
| Pocatello, ID | 68 | $ 20,170,000 | $ 296,617 | $ 119,000 |
| Shreveport-Bossier City, LA | 68 | $ 15,710,000 | $ 231,029 | $ 125,000 |
| Tallahassee, FL | 67 | $ 17,735,000 | $ 264,701 | $ 199,000 |
| Daphne-Fairhope-Foley, AL | 65 | $ 12,365,000 | $ 190,230 | $ 151,000 |
| Ocala, FL | 60 | $ 12,690,000 | $ 211,500 | $ 143,000 |
| Seattle-Bellevue-Everett, WA | 58 | $ 40,930,000 | $ 705,689 | $ 279,000 |
| Sioux City, IA-NE-SD | 58 | $ 14,240,000 | $ 245,517 | $ 108,706 |
| Baton Rouge, LA | 57 | $ 18,965,000 | $ 332,719 | $ 150,000 |
| Lubbock, TX | 57 | $ 15,185,000 | $ 266,403 | $ 152,000 |
| Rapid City, SD | 57 | $ 16,665,000 | $ 292,368 | $ 174,000 |
| Punta Gorda, FL | 56 | $ 11,580,000 | $ 206,785 | $ 122,000 |
| Sebastian-Vero Beach, FL | 55 | $ 20,215,000 | $ 367,545 | $ 190,000 |
| Bloomington, IL | 54 | $ 13,600,000 | $ 251,851 | $ 129,000 |
| Wildwood-The Villages, FL | 54 | $ 12,560,000 | $ 232,592 | $ 133,000 |
| Vineland-Bridgeton, NJ | 53 | $ 8,005,000 | $ 151,037 | $ 106,000 |
| Joplin, MO | 51 | $ 10,795,000 | $ 211,666 | $ 108,176 |
| Hickory-Lenoir-Morganton, NC | 50 | $ 8,830,000 | $ 176,600 | $ 109,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 49 | $ 53,955,000 | $ 1,101,122 | $ 483,000 |
| Hattiesburg, MS | 47 | $ 10,795,000 | $ 229,680 | $ 118,000 |
| Tacoma-Lakewood, WA | 47 | $ 21,395,000 | $ 455,212 | $ 193,000 |
| Lebanon, PA | 45 | $ 7,435,000 | $ 165,222 | $ 117,000 |
| Dubuque, IA | 44 | $ 11,490,000 | $ 261,136 | $ 126,000 |
| Lexington Park, MD | 44 | $ 9,000,000 | $ 204,545 | $ 154,000 |
| Racine, WI | 44 | $ 11,480,000 | $ 260,909 | $ 111,000 |
| Gettysburg, PA | 43 | $ 8,565,000 | $ 199,186 | $ 122,000 |
| Grand Island, NE | 43 | $ 10,495,000 | $ 244,069 | $ 108,000 |
| Bismarck, ND | 41 | $ 12,685,000 | $ 309,390 | $ 171,000 |
| Davenport-Moline-Rock Island, IA-IL | 41 | $ 5,295,000 | $ 129,146 | $ 121,365 |
| Fayetteville, NC | 41 | $ 4,955,000 | $ 120,853 | $ 198,000 |
| Fort Smith, AR-OK | 41 | $ 8,705,000 | $ 212,317 | $ 126,975 |
| Gainesville, GA | 41 | $ 10,095,000 | $ 246,219 | $ 156,000 |
| Huntington-Ashland, WV-KY-OH | 40 | $ 6,280,000 | $ 157,000 | $ 104,975 |
| Rochester, MN | 40 | $ 9,250,000 | $ 231,250 | $ 142,000 |
| Rockford, IL | 40 | $ 6,650,000 | $ 166,250 | $ 117,000 |
| Chambersburg-Waynesboro, PA | 39 | $ 6,435,000 | $ 165,000 | $ 116,000 |
| Harrisonburg, VA | 39 | $ 10,685,000 | $ 273,974 | $ 117,000 |
| Kalamazoo-Portage, MI | 39 | $ 6,935,000 | $ 177,820 | $ 267,000 |
| Lafayette, LA | 39 | $ 10,105,000 | $ 259,102 | $ 158,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 39 | $ 77,725,000 | $ 1,992,948 | $ 938,000 |
| Tuscaloosa, AL | 39 | $ 9,845,000 | $ 252,435 | $ 146,000 |
| Charlottesville, VA | 38 | $ 13,720,000 | $ 361,052 | $ 423,000 |
| Ithaca, NY | 38 | $ 9,520,000 | $ 250,526 | $ 133,000 |
| Jackson, MI | 38 | $ 5,170,000 | $ 136,052 | $ 111,000 |
| Panama City, FL | 38 | $ 15,680,000 | $ 412,631 | $ 256,000 |
| Twin Falls, ID | 38 | $ 11,220,000 | $ 295,263 | $ 97,000 |
| Fresno, CA | 37 | $ 13,695,000 | $ 370,135 | $ 131,000 |
| Kingsport-Bristol-Bristol, TN-VA | 37 | $ 7,185,000 | $ 194,189 | $ 89,810 |
| Mobile, AL | 37 | $ 6,725,000 | $ 181,756 | $ 120,000 |
| Salt Lake City, UT | 37 | $ 14,915,000 | $ 403,108 | $ 144,000 |
| Texarkana, TX-AR | 37 | $ 8,455,000 | $ 228,513 | $ 112,945 |
| Watertown-Fort Drum, NY | 37 | $ 4,765,000 | $ 128,783 | $ 118,000 |
| Duluth, MN-WI | 36 | $ 8,110,000 | $ 225,277 | $ 115,333 |
| La Crosse-Onalaska, WI-MN | 36 | $ 9,210,000 | $ 255,833 | $ 101,833 |
| Burlington, NC | 35 | $ 7,115,000 | $ 203,285 | $ 109,000 |
| Traverse City, MI | 35 | $ 10,965,000 | $ 313,285 | $ 164,000 |
| Winchester, VA-WV | 35 | $ 9,185,000 | $ 262,428 | $ 186,742 |
| Pinehurst-Southern Pines, NC | 34 | $ 8,790,000 | $ 258,529 | $ 119,000 |
| Green Bay, WI | 33 | $ 9,785,000 | $ 296,515 | $ 116,000 |
| Gulfport-Biloxi-Pascagoula, MS | 33 | $ 7,175,000 | $ 217,424 | $ 131,000 |
| Hot Springs, AR | 33 | $ 9,275,000 | $ 281,060 | $ 143,000 |
| Warner Robins, GA | 33 | $ 7,835,000 | $ 237,424 | $ 136,000 |
| Johnstown, PA | 32 | $ 3,150,000 | $ 98,437 | $ 77,000 |
| Macon-Bibb County, GA | 32 | $ 6,760,000 | $ 211,250 | $ 207,000 |
| South Bend-Mishawaka, IN-MI | 32 | $ 5,630,000 | $ 175,937 | $ 277,031 |
| Bloomington, IN | 31 | $ 5,705,000 | $ 184,032 | $ 113,000 |
| Jacksonville, NC | 31 | $ 6,545,000 | $ 211,129 | $ 106,000 |
| Reno, NV | 31 | $ 25,935,000 | $ 836,612 | $ 375,000 |
| Visalia-Porterville, CA | 31 | $ 10,405,000 | $ 335,645 | $ 136,000 |
| Lafayette-West Lafayette, IN | 30 | $ 3,960,000 | $ 132,000 | $ 95,000 |
| Mansfield, OH | 30 | $ 3,470,000 | $ 115,666 | $ 84,000 |
| Amarillo, TX | 29 | $ 7,365,000 | $ 253,965 | $ 145,000 |
| Florence, SC | 29 | $ 4,125,000 | $ 142,241 | $ 115,000 |
| Homosassa Springs, FL | 29 | $ 5,685,000 | $ 196,034 | $ 137,000 |
| Madison, WI | 29 | $ 11,865,000 | $ 409,137 | $ 167,000 |
| Minot, ND | 29 | $ 6,755,000 | $ 232,931 | $ 148,000 |
| Montgomery, AL | 29 | $ 3,775,000 | $ 130,172 | $ 118,000 |
| Provo-Orem, UT | 29 | $ 14,445,000 | $ 498,103 | $ 216,000 |
| Salisbury, MD-DE | 29 | $ 3,605,000 | $ 124,310 | $ 107,000 |
| Auburn-Opelika, AL | 28 | $ 5,190,000 | $ 185,357 | $ 133,000 |
| Bangor, ME | 28 | $ 5,370,000 | $ 191,785 | $ 113,000 |
| Blacksburg-Christiansburg-Radford, VA | 28 | $ 6,300,000 | $ 225,000 | $ 135,000 |
| Decatur, AL | 28 | $ 5,530,000 | $ 197,500 | $ 108,000 |
| Morgantown, WV | 28 | $ 6,520,000 | $ 232,857 | $ 172,000 |
| Ames, IA | 27 | $ 6,315,000 | $ 233,888 | $ 102,000 |
| Casper, WY | 27 | $ 8,085,000 | $ 299,444 | $ 183,000 |
| Colorado Springs, CO | 27 | $ 11,215,000 | $ 415,370 | $ 172,000 |
| Columbus, GA-AL | 27 | $ 6,995,000 | $ 259,074 | $ 129,703 |
| Midland, TX | 27 | $ 7,715,000 | $ 285,740 | $ 180,000 |
| Staunton-Waynesboro, VA | 27 | $ 6,105,000 | $ 226,111 | $ 110,000 |
| Bend-Redmond, OR | 26 | $ 13,750,000 | $ 528,846 | $ 237,000 |
| Eugene, OR | 26 | $ 9,780,000 | $ 376,153 | $ 134,000 |
| Gainesville, FL | 26 | $ 7,660,000 | $ 294,615 | $ 182,000 |
| Johnson City, TN | 26 | $ 6,450,000 | $ 248,076 | $ 119,000 |
| New Orleans-Metairie, LA | 26 | $ 6,510,000 | $ 250,384 | $ 351,000 |
| Santa Rosa, CA | 26 | $ 36,420,000 | $ 1,400,769 | $ 851,000 |
| St. Cloud, MN | 26 | $ 4,200,000 | $ 161,538 | $ 105,000 |
| San Angelo, TX | 25 | $ 6,395,000 | $ 255,800 | $ 137,000 |
| Tyler, TX | 25 | $ 6,985,000 | $ 279,400 | $ 154,000 |
| Abilene, TX | 24 | $ 4,870,000 | $ 202,916 | $ 96,000 |
| Cheyenne, WY | 24 | $ 7,450,000 | $ 310,416 | $ 237,000 |
| Elizabethtown-Fort Knox, KY | 24 | $ 5,120,000 | $ 213,333 | $ 111,000 |
| Elmira, NY | 24 | $ 2,710,000 | $ 112,916 | $ 85,000 |
| Niles-Benton Harbor, MI | 24 | $ 5,980,000 | $ 249,166 | $ 188,000 |
| Greenville, NC | 23 | $ 5,345,000 | $ 232,391 | $ 139,000 |
| Lewiston-Auburn, ME | 23 | $ 5,055,000 | $ 219,782 | $ 122,000 |
| Prescott Valley-Prescott, AZ | 23 | $ 8,165,000 | $ 355,000 | $ 144,000 |
| Dalton, GA | 22 | $ 4,870,000 | $ 221,363 | $ 129,000 |
| Fort Wayne, IN | 22 | $ 2,000,000 | $ 90,909 | $ 84,000 |
| Peoria, IL | 22 | $ 3,650,000 | $ 165,909 | $ 121,000 |
| Slidell-Mandeville-Covington, LA | 21 | $ 6,655,000 | $ 316,904 | $ 143,000 |
| Billings, MT | 20 | $ 5,240,000 | $ 262,000 | $ 124,000 |
| Elkhart-Goshen, IN | 20 | $ 3,530,000 | $ 176,500 | $ 115,000 |
| Florence-Muscle Shoals, AL | 20 | $ 3,270,000 | $ 163,500 | $ 92,000 |
| Grand Forks, ND-MN | 20 | $ 4,250,000 | $ 212,500 | $ 122,950 |
| Greeley, CO | 20 | $ 7,950,000 | $ 397,500 | $ 142,000 |
| Jonesboro, AR | 20 | $ 3,310,000 | $ 165,500 | $ 89,000 |
| Rocky Mount, NC | 20 | $ 2,960,000 | $ 148,000 | $ 70,000 |
| Springfield, MO | 20 | $ 5,750,000 | $ 287,500 | $ 114,000 |
| Dothan, AL | 19 | $ 3,845,000 | $ 202,368 | $ 106,000 |
| Kenosha, WI | 19 | $ 4,775,000 | $ 251,315 | $ 104,000 |
| Salem, OR | 19 | $ 9,575,000 | $ 503,947 | $ 126,000 |
| Springfield, OH | 19 | $ 3,095,000 | $ 162,894 | $ 84,000 |
| Muskegon, MI | 18 | $ 3,710,000 | $ 206,111 | $ 166,000 |
| Weirton-Steubenville, WV-OH | 18 | $ 2,570,000 | $ 142,777 | $ 91,000 |
| Brunswick, GA | 17 | $ 3,585,000 | $ 210,882 | $ 129,000 |
| Champaign-Urbana, IL | 17 | $ 2,445,000 | $ 143,823 | $ 198,000 |
| Grand Junction, CO | 17 | $ 5,785,000 | $ 340,294 | $ 130,000 |
| Lewiston, ID-WA | 17 | $ 4,645,000 | $ 273,235 | $ 95,823 |
| Oxnard-Thousand Oaks-Ventura, CA | 17 | $ 11,745,000 | $ 690,882 | $ 428,000 |
| Everett, WA | 16 | $ 9,260,000 | $ 578,750 | $ 175,000 |
| Fort Collins, CO | 16 | $ 6,130,000 | $ 383,125 | $ 147,000 |
| Morristown, TN | 16 | $ 2,580,000 | $ 161,250 | $ 160,000 |
| Odessa, TX | 16 | $ 4,850,000 | $ 303,125 | $ 179,000 |
| Valdosta, GA | 16 | $ 3,600,000 | $ 225,000 | $ 105,000 |
| Wichita, KS | 16 | $ 4,370,000 | $ 273,125 | $ 145,000 |
| Williamsport, PA | 16 | $ 1,680,000 | $ 105,000 | $ 122,000 |
| Bozeman, MT | 15 | $ 7,845,000 | $ 523,000 | $ 242,000 |
| Evansville, IN-KY | 15 | $ 1,735,000 | $ 115,666 | $ 84,000 |
| Kennewick-Richland, WA | 15 | $ 4,705,000 | $ 313,666 | $ 131,000 |
| Ogden-Clearfield, UT | 15 | $ 5,085,000 | $ 339,000 | $ 143,000 |
| Bay City, MI | 14 | $ 1,880,000 | $ 134,285 | $ 91,000 |
| El Paso, TX | 14 | $ 3,960,000 | $ 282,857 | $ 200,000 |
| Monroe, LA | 14 | $ 3,300,000 | $ 235,714 | $ 133,000 |
| Houma-Thibodaux, LA | 13 | $ 2,885,000 | $ 221,923 | $ 120,000 |
| Lima, OH | 13 | $ 1,585,000 | $ 121,923 | $ 93,000 |
| Appleton, WI | 12 | $ 2,910,000 | $ 242,500 | $ 99,000 |
| Hanford-Corcoran, CA | 12 | $ 4,050,000 | $ 337,500 | $ 136,000 |
| Lake Havasu City-Kingman, AZ | 12 | $ 2,370,000 | $ 197,500 | $ 132,000 |
| Rome, GA | 12 | $ 3,550,000 | $ 295,833 | $ 153,000 |
| St. George, UT | 12 | $ 4,110,000 | $ 342,500 | $ 145,000 |
| Stockton-Lodi, CA | 12 | $ 5,960,000 | $ 496,666 | $ 210,000 |
| Boulder, CO | 11 | $ 12,195,000 | $ 1,108,636 | $ 376,000 |
| Fond Du Lac, WI | 11 | $ 2,365,000 | $ 215,000 | $ 83,000 |
| Hammond, LA | 11 | $ 2,035,000 | $ 185,000 | $ 95,000 |
| Midland, MI | 11 | $ 1,635,000 | $ 148,636 | $ 148,000 |
| Missoula, MT | 11 | $ 2,975,000 | $ 270,454 | $ 134,000 |
| Muncie, IN | 11 | $ 1,245,000 | $ 113,181 | $ 95,000 |
| Wenatchee, WA | 11 | $ 4,565,000 | $ 415,000 | $ 298,000 |
| Yuma, AZ | 11 | $ 2,475,000 | $ 225,000 | $ 78,000 |
| Anniston-Oxford-Jacksonville, AL | 10 | $ 1,660,000 | $ 166,000 | $ 87,000 |
| Logan, UT-ID | 10 | $ 3,740,000 | $ 374,000 | $ 119,400 |
| Sherman-Denison, TX | 10 | $ 3,200,000 | $ 320,000 | $ 139,000 |
| Alexandria, LA | 9 | $ 1,845,000 | $ 205,000 | $ 113,000 |
| Battle Creek, MI | 9 | $ 1,025,000 | $ 113,888 | $ 92,000 |
| Charleston, WV | 9 | $ 1,995,000 | $ 221,666 | $ 119,000 |
| Gadsden, AL | 9 | $ 1,645,000 | $ 182,777 | $ 104,000 |
| Longview, WA | 9 | $ 2,945,000 | $ 327,222 | $ 98,000 |
| Medford, OR | 9 | $ 3,265,000 | $ 362,777 | $ 110,000 |
| Napa, CA | 9 | $ 8,695,000 | $ 966,111 | $ 729,000 |
| Salinas, CA | 9 | $ 14,765,000 | $ 1,640,555 | $ 1,103,000 |
| Sierra Vista-Douglas, AZ | 9 | $ 2,475,000 | $ 275,000 | $ 86,000 |
| Sumter, SC | 9 | $ 1,675,000 | $ 186,111 | $ 97,000 |
| Vallejo-Fairfield, CA | 9 | $ 4,295,000 | $ 477,222 | $ 156,000 |
| Waterloo-Cedar Falls, IA | 9 | $ 1,485,000 | $ 165,000 | $ 91,000 |
| Wheeling, WV-OH | 9 | $ 675,000 | $ 75,000 | $ 130,222 |
| Albany, GA | 8 | $ 1,250,000 | $ 156,250 | $ 106,000 |
| Albany, OR | 8 | $ 2,350,000 | $ 293,750 | $ 130,000 |
| Bakersfield, CA | 8 | $ 2,720,000 | $ 340,000 | $ 140,000 |
| Columbus, IN | 8 | $ 1,000,000 | $ 125,000 | $ 110,000 |
| Helena, MT | 8 | $ 2,260,000 | $ 282,500 | $ 121,000 |
| Hinesville, GA | 8 | $ 1,870,000 | $ 233,750 | $ 103,000 |
| Kankakee, IL | 8 | $ 1,250,000 | $ 156,250 | $ 105,000 |
| Santa Fe, NM | 8 | $ 3,500,000 | $ 437,500 | $ 237,000 |
| Terre Haute, IN | 8 | $ 840,000 | $ 105,000 | $ 83,000 |
| Topeka, KS | 8 | $ 1,630,000 | $ 203,750 | $ 108,000 |
| Yakima, WA | 8 | $ 2,200,000 | $ 275,000 | $ 112,000 |
| College Station-Bryan, TX | 7 | $ 2,275,000 | $ 325,000 | $ 160,000 |
| Lake Charles, LA | 7 | $ 1,175,000 | $ 167,857 | $ 82,000 |
| Manhattan, KS | 7 | $ 1,665,000 | $ 237,857 | $ 98,000 |
| McAllen-Edinburg-Mission, TX | 7 | $ 1,875,000 | $ 267,857 | $ 163,000 |
| Oshkosh-Neenah, WI | 7 | $ 1,735,000 | $ 247,857 | $ 101,000 |
| Santa Maria-Santa Barbara, CA | 7 | $ 14,025,000 | $ 2,003,571 | $ 863,000 |
| Sebring, FL | 7 | $ 1,285,000 | $ 183,571 | $ 88,000 |
| Bellingham, WA | 6 | $ 1,950,000 | $ 325,000 | $ 138,000 |
| Bremerton-Silverdale, WA | 6 | $ 3,230,000 | $ 538,333 | $ 227,000 |
| Chico, CA | 6 | $ 2,020,000 | $ 336,666 | $ 104,000 |
| El Centro, CA | 6 | $ 1,530,000 | $ 255,000 | $ 167,000 |
| Jefferson City, MO | 6 | $ 1,440,000 | $ 240,000 | $ 134,000 |
| Kokomo, IN | 6 | $ 440,000 | $ 73,333 | $ 80,000 |
| Longview, TX | 6 | $ 1,520,000 | $ 253,333 | $ 124,000 |
| Mankato-North Mankato, MN | 6 | $ 1,180,000 | $ 196,666 | $ 107,000 |
| Michigan City-La Porte, IN | 6 | $ 800,000 | $ 133,333 | $ 81,000 |
| Brownsville-Harlingen, TX | 5 | $ 2,155,000 | $ 431,000 | $ 123,000 |
| Cape Girardeau, MO-IL | 5 | $ 1,475,000 | $ 295,000 | $ 138,000 |
| Carson City, NV | 5 | $ 2,705,000 | $ 541,000 | $ 193,000 |
| Columbia, MO | 5 | $ 1,905,000 | $ 381,000 | $ 161,000 |
| Corpus Christi, TX | 5 | $ 2,235,000 | $ 447,000 | $ 227,000 |
| Corvallis, OR | 5 | $ 1,885,000 | $ 377,000 | $ 265,000 |
| Flagstaff, AZ | 5 | $ 1,475,000 | $ 295,000 | $ 180,000 |
| Goldsboro, NC | 5 | $ 755,000 | $ 151,000 | $ 192,000 |
| Janesville-Beloit, WI | 5 | $ 845,000 | $ 169,000 | $ 91,000 |
| Killeen-Temple, TX | 5 | $ 1,265,000 | $ 253,000 | $ 75,000 |
| Olympia-Tumwater, WA | 5 | $ 1,725,000 | $ 345,000 | $ 153,000 |
| Owensboro, KY | 5 | $ 745,000 | $ 149,000 | $ 55,000 |
| Pueblo, CO | 5 | $ 1,365,000 | $ 273,000 | $ 104,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 5 | $ 10,275,000 | $ 2,055,000 | $ 157,000 |
| Santa Cruz-Watsonville, CA | 5 | $ 3,205,000 | $ 641,000 | $ 495,000 |
| Victoria, TX | 5 | $ 1,235,000 | $ 247,000 | $ 90,000 |
| Anchorage, AK | 4 | $ 950,000 | $ 237,500 | $ 145,000 |
| Beckley, WV | 4 | $ 860,000 | $ 215,000 | $ 141,000 |
| Laredo, TX | 4 | $ 940,000 | $ 235,000 | $ 82,000 |
| Lawrence, KS | 4 | $ 1,010,000 | $ 252,500 | $ 107,000 |
| Lawton, OK | 4 | $ 450,000 | $ 112,500 | $ 72,000 |
| Parkersburg-Vienna, WV | 4 | $ 750,000 | $ 187,500 | $ 79,000 |
| Beaumont-Port Arthur, TX | 3 | $ 465,000 | $ 155,000 | $ 231,000 |
| Decatur, IL | 3 | $ 155,000 | $ 51,666 | $ 86,000 |
| Farmington, NM | 3 | $ 475,000 | $ 158,333 | $ 90,000 |
| Great Falls, MT | 3 | $ 825,000 | $ 275,000 | $ 150,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 1,255,000 | $ 418,333 | $ 150,000 |
| Sheboygan, WI | 3 | $ 815,000 | $ 271,666 | $ 164,000 |
| Springfield, IL | 3 | $ 445,000 | $ 148,333 | $ 82,000 |
| St. Joseph, MO-KS | 3 | $ 445,000 | $ 148,333 | $ 111,000 |
| Waco, TX | 3 | $ 925,000 | $ 308,333 | $ 109,000 |
| Wausau, WI | 3 | $ 845,000 | $ 281,666 | $ 105,000 |
| Eau Claire, WI | 2 | $ 450,000 | $ 225,000 | $ 115,000 |
| Enid, OK | 2 | $ 160,000 | $ 80,000 | $ 49,000 |
| Grants Pass, OR | 2 | $ 800,000 | $ 400,000 | $ 116,000 |
| Redding, CA | 2 | $ 890,000 | $ 445,000 | $ 160,000 |
| Urban Honolulu, HI | 2 | $ 1,330,000 | $ 665,000 | $ 1,135,000 |
| Yuba City, CA | 2 | $ 830,000 | $ 415,000 | $ 152,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 505,000 | $ 505,000 | $ 1,864,000 |
| Merced, CA | 1 | $ 295,000 | $ 295,000 | $ 134,000 |
| Modesto, CA | 1 | $ 285,000 | $ 285,000 | $ 257,000 |
Mortgage Loan Application Detail Totals for Citizens Bank, NA in 2025
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 | 38,872 | $11,631,940,000 | $299,000 | $21,505,000 | $182,000 | $8,100,000 |
| Home Purchase | 35,831 | $16,489,805,000 | $460,000 | $31,005,000 | $218,000 | $9,323,000 |
| Home Improvement | 33,523 | $5,695,845,000 | $169,000 | $7,855,000 | $166,000 | $9,153,000 |
| Other Purpose | 30,221 | $5,668,635,000 | $187,000 | $40,005,000 | $163,000 | $9,974,000 |
| Cash-out Refinancing | 4,867 | $1,651,155,000 | $339,000 | $18,005,000 | $152,000 | $7,630,000 |
| Not Applicable | 59 | $7,335,000 | $124,000 | $505,000 | $75,000 | $1,072,000 |
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 | 97,858 | $27,283,150,000 | $278,000 | $37,865,000 | $182,000 | $9,974,000 |
| Not Provided | 14,358 | $4,875,990,000 | $339,000 | $40,005,000 | $232,000 | $9,600,000 |
| Hispanic | 10,384 | $2,377,230,000 | $228,000 | $7,595,000 | $147,000 | $7,200,000 |
| Asian | 9,913 | $3,842,025,000 | $387,000 | $12,675,000 | $220,000 | $9,323,000 |
| Black or African American | 9,262 | $1,602,310,000 | $172,000 | $10,005,000 | $120,000 | $6,321,000 |
| Not applicable | 725 | $983,165,000 | $1,356,000 | $31,005,000 | $82,000 | $1,072,000 |
| American Indian or Alaskan Native | 676 | $134,530,000 | $199,000 | $2,605,000 | $136,000 | $1,863,000 |
| Native Hawaiian or Other Pacific Islander | 177 | $42,665,000 | $241,000 | $2,255,000 | $151,000 | $1,500,000 |
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) | 140,845 | $40,419,795,000 | $286,000 | $40,005,000 | $184,000 | $9,974,000 |
| FHA-insured (Federal Housing Administration) | 1,753 | $467,345,000 | $266,000 | $1,445,000 | $95,000 | $3,900,000 |
| VA-guaranteed (Veterans Administration) | 714 | $248,490,000 | $348,000 | $1,785,000 | $117,000 | $1,178,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 61 | $9,085,000 | $148,000 | $375,000 | $63,000 | $127,000 |
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 | 68,902 | $20,979,770,000 | $304,000 | $37,865,000 | $206,000 | $9,974,000 |
| Application Denied By Financial Institution | 34,344 | $7,408,900,000 | $215,000 | $15,005,000 | $142,000 | $9,153,000 |
| Loan Purchased By The Institution | 23,650 | $7,347,610,000 | $310,000 | $1,785,000 | $143,000 | $8,407,000 |
| Application Withdrawn By Applicant | 8,003 | $2,868,875,000 | $358,000 | $20,005,000 | $234,000 | $9,323,000 |
| File Closed For Incompleteness | 5,869 | $1,802,095,000 | $307,000 | $40,005,000 | $216,000 | $9,828,000 |
| Application Approved But Not Accepted | 2,502 | $510,810,000 | $204,000 | $13,325,000 | $162,000 | $8,932,000 |
| Preapproval Approved but not Accepted | 99 | $221,995,000 | $2,242,000 | $9,505,000 | $1,127,000 | $5,564,000 |
| Preapproval Denied by Financial Institution | 4 | $4,660,000 | $1,165,000 | $1,685,000 | $289,000 | $600,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 109,025 | $33,731,155,000 | $309,000 | $40,005,000 | $195,000 | $9,974,000 |
| Debt-To-Income Ratio | 19,327 | $4,289,305,000 | $221,000 | $11,555,000 | $89,000 | $5,216,000 |
| Collateral | 7,295 | $1,725,025,000 | $236,000 | $15,005,000 | $232,000 | $9,153,000 |
| Credit History | 4,668 | $758,550,000 | $162,000 | $7,505,000 | $163,000 | $6,072,000 |
| Other | 1,792 | $289,820,000 | $161,000 | $1,465,000 | $230,000 | $6,600,000 |
| Unverifiable Information | 666 | $148,520,000 | $223,000 | $2,805,000 | $201,000 | $5,000,000 |
| Employment History | 366 | $77,360,000 | $211,000 | $1,785,000 | $201,000 | $3,185,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 117 | $86,175,000 | $736,000 | $8,805,000 | $309,000 | $3,112,000 |
| Credit Application Incomplete | 117 | $38,805,000 | $331,000 | $865,000 | $164,000 | $911,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank, NA's 2025 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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with aggregated HMDA statistics today.
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