Citizens Bank, NA Mortgage Lending & HMDA Data, 2011
In 2011, Citizens Bank, NA of Providence, RI reported 59,336 mortgage applications totaling $10.5 billion. The average application was for $176,344, and applicants reported an average income of $105,014. 54% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Providence-New Bedford-Fall River, RI-MA (5,346), Chicago-Joliet-Naperville, IL (4,731) and Philadelphia, PA (4,461) (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 | 59,336 |
| Total Mortgage Loan Application Amount | $10,463,593,000 |
| Average Mortgage Loan Application Amount | $176,344 |
| Highest Mortgage Loan Application Amount | $46,000,000 |
| Average Applicant Income | $105,014 |
| Highest Applicant Income | $8,070,000 |
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Act (HMDA) records Citizens Bank, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Providence-New Bedford-Fall River, RI-MA | 5,346 | $ 973,975,000 | $ 182,187 | $ 101,460 |
| Chicago-Joliet-Naperville, IL | 4,731 | $ 860,797,000 | $ 181,948 | $ 101,000 |
| Philadelphia, PA | 4,461 | $ 972,713,000 | $ 218,048 | $ 128,000 |
| Boston-Quincy, MA | 4,434 | $ 1,142,820,000 | $ 257,740 | $ 133,000 |
| Cleveland-Elyria-Mentor, OH | 3,200 | $ 329,025,000 | $ 102,820 | $ 73,000 |
| Cambridge-Newton-Framingham, MA | 3,153 | $ 918,579,000 | $ 291,334 | $ 145,000 |
| Warren-Troy-Farmington Hills, MI | 3,072 | $ 429,421,000 | $ 139,785 | $ 94,000 |
| Buffalo-Niagara Falls, NY | 2,155 | $ 152,798,000 | $ 70,903 | $ 61,000 |
| Detroit-Livonia-Dearborn, MI | 2,016 | $ 146,030,000 | $ 72,435 | $ 64,000 |
| Rochester, NY | 1,554 | $ 80,266,000 | $ 51,651 | $ 56,000 |
| Pittsburgh, PA | 1,410 | $ 199,332,000 | $ 141,370 | $ 96,000 |
| Rockingham County-Strafford County, NH | 1,222 | $ 215,101,000 | $ 176,023 | $ 102,000 |
| Springfield, MA | 998 | $ 125,874,000 | $ 126,126 | $ 72,000 |
| Manchester-Nashua, NH | 996 | $ 178,670,000 | $ 179,387 | $ 105,000 |
| Toledo, OH | 974 | $ 64,007,000 | $ 65,715 | $ 62,000 |
| Peabody, MA | 796 | $ 188,759,000 | $ 237,134 | $ 134,000 |
| Barnstable Town, MA | 773 | $ 179,671,000 | $ 232,433 | $ 137,000 |
| Akron, OH | 745 | $ 96,496,000 | $ 129,524 | $ 72,000 |
| Albany-Schenectady-Troy, NY | 728 | $ 127,965,000 | $ 175,776 | $ 85,000 |
| Wilmington, DE-MD-NJ | 678 | $ 137,875,000 | $ 203,355 | $ 127,404 |
| Hartford-West Hartford-East Hartford, CT | 675 | $ 159,500,000 | $ 236,296 | $ 100,000 |
| New York-White Plains-Wayne, NY-NJ | 653 | $ 203,795,000 | $ 312,090 | $ 170,580 |
| New Haven-Milford, CT | 651 | $ 130,564,000 | $ 200,559 | $ 122,000 |
| Canton-Massillon, OH | 618 | $ 44,877,000 | $ 72,616 | $ 59,000 |
| Syracuse, NY | 546 | $ 28,859,000 | $ 52,855 | $ 54,000 |
| Worcester, MA | 496 | $ 95,757,000 | $ 193,058 | $ 114,000 |
| Norwich-New London, CT | 424 | $ 79,069,000 | $ 186,483 | $ 109,000 |
| Nassau-Suffolk, NY | 407 | $ 64,132,000 | $ 157,572 | $ 115,000 |
| Scranton--Wilkes-Barre, PA | 400 | $ 55,509,000 | $ 138,772 | $ 79,000 |
| Reading, PA | 363 | $ 47,858,000 | $ 131,840 | $ 80,000 |
| Columbus, OH | 322 | $ 43,486,000 | $ 135,049 | $ 67,000 |
| Harrisburg-Carlisle, PA | 317 | $ 44,682,000 | $ 140,952 | $ 91,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 314 | $ 42,064,000 | $ 133,961 | $ 101,000 |
| Camden, NJ | 291 | $ 64,027,000 | $ 220,024 | $ 138,000 |
| Ocean City, NJ | 276 | $ 136,358,000 | $ 494,050 | $ 332,000 |
| Utica-Rome, NY | 270 | $ 12,549,000 | $ 46,477 | $ 48,000 |
| Youngstown-Warren-Boardman, OH-PA | 268 | $ 24,633,000 | $ 91,914 | $ 69,492 |
| Burlington-South Burlington, VT | 255 | $ 48,609,000 | $ 190,623 | $ 106,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 218 | $ 38,838,000 | $ 178,155 | $ 92,073 |
| Bridgeport-Stamford-Norwalk, CT | 218 | $ 156,085,000 | $ 715,986 | $ 257,000 |
| Lake County-Kenosha County, IL-WI | 210 | $ 86,336,000 | $ 411,123 | $ 205,185 |
| Binghamton, NY | 190 | $ 8,002,000 | $ 42,115 | $ 48,000 |
| Dover, DE | 183 | $ 24,845,000 | $ 135,765 | $ 80,000 |
| Lancaster, PA | 183 | $ 31,734,000 | $ 173,409 | $ 105,000 |
| Erie, PA | 176 | $ 20,725,000 | $ 117,755 | $ 96,000 |
| York-Hanover, PA | 156 | $ 23,605,000 | $ 151,314 | $ 86,000 |
| Newark-Union, NJ-PA | 154 | $ 48,212,000 | $ 313,064 | $ 163,363 |
| Kingston, NY | 142 | $ 13,202,000 | $ 92,971 | $ 75,000 |
| Portland-South Portland-Biddeford, ME | 137 | $ 30,359,000 | $ 221,598 | $ 153,000 |
| Ann Arbor, MI | 136 | $ 29,969,000 | $ 220,360 | $ 131,000 |
| Edison-New Brunswick, NJ | 134 | $ 44,574,000 | $ 332,641 | $ 185,000 |
| Lansing-East Lansing, MI | 124 | $ 23,030,000 | $ 185,725 | $ 130,000 |
| Altoona, PA | 123 | $ 14,303,000 | $ 116,284 | $ 74,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 107 | $ 40,861,000 | $ 381,878 | $ 204,046 |
| Kalamazoo-Portage, MI | 104 | $ 12,384,000 | $ 119,076 | $ 87,000 |
| Gary, IN | 101 | $ 15,705,000 | $ 155,495 | $ 72,000 |
| Baltimore-Towson, MD | 98 | $ 30,105,000 | $ 307,193 | $ 158,000 |
| Indianapolis-Carmel, IN | 93 | $ 20,588,000 | $ 221,376 | $ 156,000 |
| Glens Falls, NY | 89 | $ 9,794,000 | $ 110,044 | $ 84,000 |
| Monroe, MI | 85 | $ 8,994,000 | $ 105,811 | $ 67,000 |
| Atlantic City-Hammonton, NJ | 72 | $ 27,197,000 | $ 377,736 | $ 304,000 |
| State College, PA | 70 | $ 11,214,000 | $ 160,200 | $ 94,000 |
| Cincinnati-Middletown, OH-KY-IN | 69 | $ 22,169,000 | $ 321,289 | $ 103,000 |
| Pittsfield, MA | 68 | $ 8,716,000 | $ 128,176 | $ 89,000 |
| Bethesda-Rockville-Frederick, MD | 61 | $ 25,527,000 | $ 418,475 | $ 218,000 |
| Saginaw-Saginaw Township North, MI | 54 | $ 2,942,000 | $ 54,481 | $ 48,000 |
| Richmond, VA | 38 | $ 6,706,000 | $ 176,473 | $ 107,000 |
| Trenton-Ewing, NJ | 37 | $ 16,727,000 | $ 452,081 | $ 191,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 37 | $ 9,935,000 | $ 268,513 | $ 264,000 |
| Cape Coral-Fort Myers, FL | 35 | $ 6,531,000 | $ 186,600 | $ 231,000 |
| Flint, MI | 35 | $ 3,921,000 | $ 112,028 | $ 68,000 |
| Ithaca, NY | 34 | $ 2,288,000 | $ 67,294 | $ 58,000 |
| Peoria, IL | 34 | $ 5,839,000 | $ 171,735 | $ 96,000 |
| Dayton, OH | 32 | $ 2,714,000 | $ 84,812 | $ 55,000 |
| Grand Rapids-Wyoming, MI | 32 | $ 3,929,000 | $ 122,781 | $ 80,000 |
| Tampa-St. Petersburg-Clearwater, FL | 32 | $ 5,375,000 | $ 167,968 | $ 161,000 |
| North Port-Bradenton-Sarasota, FL | 29 | $ 5,731,000 | $ 197,620 | $ 159,000 |
| Atlanta-Sandy Springs-Marietta, GA | 26 | $ 4,773,000 | $ 183,576 | $ 87,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 26 | $ 7,826,000 | $ 301,000 | $ 127,961 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 25 | $ 19,835,000 | $ 793,400 | $ 139,680 |
| Elmira, NY | 24 | $ 840,000 | $ 35,000 | $ 58,000 |
| Lebanon, PA | 24 | $ 4,566,000 | $ 190,250 | $ 104,000 |
| Phoenix-Mesa-Glendale, AZ | 24 | $ 6,663,000 | $ 277,625 | $ 171,000 |
| St. Louis, MO-IL | 18 | $ 2,441,000 | $ 135,611 | $ 101,888 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 17 | $ 2,579,000 | $ 151,705 | $ 168,000 |
| Sandusky, OH | 17 | $ 1,036,000 | $ 60,941 | $ 65,000 |
| Huntington-Ashland, WV-KY-OH | 16 | $ 1,448,000 | $ 90,500 | $ 69,312 |
| Naples-Marco Island, FL | 16 | $ 4,031,000 | $ 251,937 | $ 293,000 |
| Johnstown, PA | 11 | $ 1,314,000 | $ 119,454 | $ 77,000 |
| Las Vegas-Paradise, NV | 11 | $ 1,484,000 | $ 134,909 | $ 188,000 |
| Punta Gorda, FL | 11 | $ 1,609,000 | $ 146,272 | $ 154,000 |
| South Bend-Mishawaka, IN-MI | 11 | $ 2,080,000 | $ 189,090 | $ 90,545 |
| Charleston-North Charleston-Summerville, SC | 10 | $ 3,455,000 | $ 345,500 | $ 388,000 |
| Jackson, MI | 10 | $ 1,716,000 | $ 171,600 | $ 149,000 |
| Orlando-Kissimmee-Sanford, FL | 10 | $ 1,690,000 | $ 169,000 | $ 102,000 |
| Port St. Lucie, FL | 10 | $ 1,437,000 | $ 143,700 | $ 140,000 |
| Asheville, NC | 9 | $ 1,384,000 | $ 153,777 | $ 85,000 |
| Holland-Grand Haven, MI | 9 | $ 1,267,000 | $ 140,777 | $ 101,000 |
| Miami-Miami Beach-Kendall, FL | 9 | $ 1,955,000 | $ 217,222 | $ 193,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 9 | $ 1,461,000 | $ 162,333 | $ 128,000 |
| Palm Bay-Melbourne-Titusville, FL | 9 | $ 1,583,000 | $ 175,888 | $ 152,000 |
| Durham-Chapel Hill, NC | 8 | $ 2,266,000 | $ 283,250 | $ 167,000 |
| Raleigh-Cary, NC | 8 | $ 2,134,000 | $ 266,750 | $ 165,000 |
| Winston-Salem, NC | 8 | $ 1,063,000 | $ 132,875 | $ 127,000 |
| Battle Creek, MI | 7 | $ 990,000 | $ 141,428 | $ 109,000 |
| Kankakee-Bradley, IL | 7 | $ 724,000 | $ 103,428 | $ 72,000 |
| San Diego-Carlsbad-San Marcos, CA | 7 | $ 1,656,000 | $ 236,571 | $ 104,000 |
| Jacksonville, FL | 6 | $ 777,000 | $ 129,500 | $ 102,000 |
| Wilmington, NC | 6 | $ 1,030,000 | $ 171,666 | $ 83,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 1,045,000 | $ 209,000 | $ 199,000 |
| Kansas City, MO-KS | 5 | $ 909,000 | $ 181,800 | $ 71,800 |
| Lakeland-Winter Haven, FL | 5 | $ 742,000 | $ 148,400 | $ 84,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 715,000 | $ 143,000 | $ 188,000 |
| Niles-Benton Harbor, MI | 5 | $ 1,322,000 | $ 264,400 | $ 200,000 |
| Oakland-Fremont-Hayward, CA | 5 | $ 1,856,000 | $ 371,200 | $ 178,000 |
| Steubenville-Weirton, OH-WV | 5 | $ 302,000 | $ 60,400 | $ 68,600 |
| Williamsport, PA | 5 | $ 617,000 | $ 123,400 | $ 75,000 |
| Birmingham-Hoover, AL | 4 | $ 480,000 | $ 120,000 | $ 81,000 |
| Champaign-Urbana, IL | 4 | $ 729,000 | $ 182,250 | $ 152,000 |
| Charlottesville, VA | 4 | $ 1,251,000 | $ 312,750 | $ 127,000 |
| Columbia, SC | 4 | $ 463,000 | $ 115,750 | $ 145,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 511,000 | $ 127,750 | $ 174,000 |
| Huntsville, AL | 4 | $ 699,000 | $ 174,750 | $ 78,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 2,850,000 | $ 712,500 | $ 368,000 |
| Michigan City-La Porte, IN | 4 | $ 498,000 | $ 124,500 | $ 161,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 1,762,000 | $ 440,500 | $ 380,000 |
| Muncie, IN | 4 | $ 557,000 | $ 139,250 | $ 108,000 |
| Palm Coast, FL | 4 | $ 399,000 | $ 99,750 | $ 87,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 1,648,000 | $ 412,000 | $ 157,000 |
| Rockford, IL | 4 | $ 760,000 | $ 190,000 | $ 96,000 |
| Salisbury, MD | 4 | $ 388,000 | $ 97,000 | $ 51,000 |
| Salt Lake City, UT | 4 | $ 1,235,000 | $ 308,750 | $ 336,000 |
| Santa Ana-Anaheim-Irvine, CA | 4 | $ 1,525,000 | $ 381,250 | $ 2,097,000 |
| Vineland-Millville-Bridgeton, NJ | 4 | $ 390,000 | $ 97,500 | $ 85,000 |
| Austin-Round Rock-San Marcos, TX | 3 | $ 289,000 | $ 96,333 | $ 57,000 |
| Bay City, MI | 3 | $ 300,000 | $ 100,000 | $ 63,000 |
| Dallas-Plano-Irving, TX | 3 | $ 817,000 | $ 272,333 | $ 103,000 |
| Fayetteville, NC | 3 | $ 394,000 | $ 131,333 | $ 70,000 |
| Lexington-Fayette, KY | 3 | $ 662,000 | $ 220,666 | $ 129,000 |
| Louisville-Jefferson County, KY-IN | 3 | $ 993,000 | $ 331,000 | $ 80,666 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 1,635,000 | $ 545,000 | $ 279,000 |
| Ocala, FL | 3 | $ 332,000 | $ 110,666 | $ 78,000 |
| Provo-Orem, UT | 3 | $ 666,000 | $ 222,000 | $ 66,000 |
| Roanoke, VA | 3 | $ 1,418,000 | $ 472,666 | $ 184,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 3 | $ 915,000 | $ 305,000 | $ 279,000 |
| Savannah, GA | 3 | $ 321,000 | $ 107,000 | $ 64,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 953,000 | $ 317,666 | $ 201,000 |
| Sebastian-Vero Beach, FL | 3 | $ 340,000 | $ 113,333 | $ 175,000 |
| Springfield, OH | 3 | $ 123,000 | $ 41,000 | $ 62,000 |
| Tacoma, WA | 3 | $ 1,060,000 | $ 353,333 | $ 127,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 298,000 | $ 149,000 | $ 100,000 |
| Bloomington-Normal, IL | 2 | $ 28,000 | $ 14,000 | $ 48,000 |
| Charleston, WV | 2 | $ 545,000 | $ 272,500 | $ 318,000 |
| Columbus, IN | 2 | $ 629,000 | $ 314,500 | $ 110,000 |
| Decatur, IL | 2 | $ 90,000 | $ 45,000 | $ 59,000 |
| Denver-Aurora-Broomfield, CO | 2 | $ 255,000 | $ 127,500 | $ 146,000 |
| Duluth, MN-WI | 2 | $ 315,000 | $ 157,500 | $ 96,000 |
| Fort Collins-Loveland, CO | 2 | $ 255,000 | $ 127,500 | $ 87,000 |
| Fort Wayne, IN | 2 | $ 229,000 | $ 114,500 | $ 57,000 |
| Greensboro-High Point, NC | 2 | $ 309,000 | $ 154,500 | $ 80,000 |
| Greenville-Mauldin-Easley, SC | 2 | $ 525,000 | $ 262,500 | $ 130,000 |
| Harrisonburg, VA | 2 | $ 422,000 | $ 211,000 | $ 131,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 742,000 | $ 371,000 | $ 144,000 |
| Jackson, TN | 2 | $ 254,000 | $ 127,000 | $ 67,000 |
| Knoxville, TN | 2 | $ 283,000 | $ 141,500 | $ 108,000 |
| Lima, OH | 2 | $ 106,000 | $ 53,000 | $ 54,000 |
| Memphis, TN-MS-AR | 2 | $ 351,000 | $ 175,500 | $ 220,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,858,000 | $ 929,000 | $ 249,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 2 | $ 310,000 | $ 155,000 | $ 158,000 |
| Pine Bluff, AR | 2 | $ 396,000 | $ 198,000 | $ 104,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 448,000 | $ 224,000 | $ 68,000 |
| Racine, WI | 2 | $ 478,000 | $ 239,000 | $ 129,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 259,000 | $ 129,500 | $ 99,000 |
| Spartanburg, SC | 2 | $ 258,000 | $ 129,000 | $ 57,000 |
| Albuquerque, NM | 1 | $ 139,000 | $ 139,000 | $ 158,000 |
| Amarillo, TX | 1 | $ 100,000 | $ 100,000 | $ 198,000 |
| Anderson, IN | 1 | $ 210,000 | $ 210,000 | $ 160,000 |
| Appleton, WI | 1 | $ 128,000 | $ 128,000 | $ 176,000 |
| Bangor, ME | 1 | $ 90,000 | $ 90,000 | $ 28,000 |
| Boise City-Nampa, ID | 1 | $ 38,000 | $ 38,000 | $ 60,000 |
| Bowling Green, KY | 1 | $ 15,000,000 | $ 15,000,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| Brunswick, GA | 1 | $ 1,440,000 | $ 1,440,000 | $ 418,000 |
| Chattanooga, TN-GA | 1 | $ 126,000 | $ 126,000 | $ 42,000 |
| Clarksville, TN-KY | 1 | $ 106,000 | $ 106,000 | $ 88,000 |
| Colorado Springs, CO | 1 | $ 302,000 | $ 302,000 | $ 156,000 |
| Danville, IL | 1 | $ 171,000 | $ 171,000 | $ 97,000 |
| Florence, SC | 1 | $ 81,000 | $ 81,000 | $ 26,000 |
| Fresno, CA | 1 | $ 147,000 | $ 147,000 | $ 82,000 |
| Gainesville, FL | 1 | $ 81,000 | $ 81,000 | $ 65,000 |
| Greeley, CO | 1 | $ 119,000 | $ 119,000 | $ 77,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 224,000 | $ 224,000 | $ 159,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 669,000 | $ 669,000 | $ 250,000 |
| Jacksonville, NC | 1 | $ 400,000 | $ 400,000 | $ 192,000 |
| Johnson City, TN | 1 | $ 132,000 | $ 132,000 | $ 40,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 79,000 | $ 79,000 | $ 22,000 |
| Kokomo, IN | 1 | $ 185,000 | $ 185,000 | $ 189,000 |
| Lafayette, IN | 1 | $ 143,000 | $ 143,000 | $ 57,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 150,000 | $ 150,000 | $ 72,000 |
| Lynchburg, VA | 1 | $ 208,000 | $ 208,000 | $ 139,000 |
| Missoula, MT | 1 | $ 204,000 | $ 204,000 | $ 132,000 |
| Morgantown, WV | 1 | $ 129,000 | $ 129,000 | $ 48,000 |
| Muskegon-Norton Shores, MI | 1 | $ 401,000 | $ 401,000 | $ 180,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 230,000 | $ 230,000 | $ 75,000 |
| Oklahoma City, OK | 1 | $ 336,000 | $ 336,000 | $ 130,000 |
| Olympia, WA | 1 | $ 189,000 | $ 189,000 | $ 65,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 80,000 | $ 80,000 | $ 44,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 358,000 | $ 358,000 | $ 235,000 |
| Prescott, AZ | 1 | $ 82,000 | $ 82,000 | $ 63,000 |
| Rapid City, SD | 1 | $ 35,000 | $ 35,000 | $ 28,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 345,000 | $ 345,000 | $ 114,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 490,000 | $ 490,000 | $ 220,000 |
| Santa Fe, NM | 1 | $ 417,000 | $ 417,000 | $ 520,000 |
| Springfield, IL | 1 | $ 113,000 | $ 113,000 | $ 75,000 |
| Stockton, CA | 1 | $ 489,000 | $ 489,000 | $ 144,000 |
| Terre Haute, IN | 1 | $ 114,000 | $ 114,000 | $ 51,000 |
| Topeka, KS | 1 | $ 73,000 | $ 73,000 | $ 23,000 |
| Tucson, AZ | 1 | $ 144,000 | $ 144,000 | $ 69,000 |
| Visalia-Porterville, CA | 1 | $ 224,000 | $ 224,000 | $ 102,000 |
| Wichita, KS | 1 | $ 162,000 | $ 162,000 | $ 156,000 |
| Winchester, VA-WV | 1 | $ 297,000 | $ 297,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Citizens Bank, NA in 2011
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 | 34,692 | $7,571,015,000 | $218,000 | $46,000,000 | $124,000 | $7,497,000 |
| Home Purchase | 12,663 | $2,669,990,000 | $210,000 | $8,151,000 | $106,000 | $8,070,000 |
| Home Improvement | 11,981 | $222,588,000 | $18,000 | $15,000,000 | $49,000 | $4,940,000 |
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 | 35,502 | $6,178,446,000 | $174,000 | $4,693,000 | $109,000 | $8,070,000 |
| Not Provided | 14,242 | $2,921,216,000 | $205,000 | $4,720,000 | $120,000 | $6,500,000 |
| Black or African American | 4,396 | $264,437,000 | $60,000 | $1,219,000 | $51,000 | $1,200,000 |
| Hispanic | 2,726 | $254,997,000 | $93,000 | $1,500,000 | $63,000 | $4,940,000 |
| Asian | 1,777 | $391,371,000 | $220,000 | $3,050,000 | $109,000 | $1,257,000 |
| Not applicable | 449 | $421,718,000 | $939,000 | $46,000,000 | $59,000 | $1,477,000 |
| American Indian or Alaskan Native | 146 | $12,592,000 | $86,000 | $417,000 | $69,000 | $413,000 |
| Native Hawaiian or Other Pacific Islander | 98 | $18,816,000 | $192,000 | $1,800,000 | $129,000 | $1,600,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 53,276 | $9,524,594,000 | $178,000 | $46,000,000 | $110,000 | $8,070,000 |
| FHA-insured (Federal Housing Administration) | 5,668 | $865,184,000 | $152,000 | $730,000 | $60,000 | $1,402,000 |
| VA-guaranteed (Veterans Administration) | 392 | $73,815,000 | $188,000 | $417,000 | $69,000 | $277,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 32,216 | $6,437,724,000 | $199,000 | $11,700,000 | $117,000 | $8,070,000 |
| Application Denied By Financial Institution | 15,768 | $1,547,262,000 | $98,000 | $24,200,000 | $71,000 | $5,155,000 |
| Application Withdrawn By Applicant | 5,082 | $1,202,679,000 | $236,000 | $46,000,000 | $117,000 | $6,500,000 |
| Application Approved But Not Accepted | 3,020 | $573,016,000 | $189,000 | $11,200,000 | $118,000 | $2,695,000 |
| File Closed For Incompleteness | 2,729 | $581,248,000 | $212,000 | $4,280,000 | $122,000 | $4,296,000 |
| Loan Purchased By The Institution | 385 | $97,810,000 | $254,000 | $19,585,000 | $69,000 | $1,477,000 |
| Preapproval Denied by Financial Institution | 136 | $23,854,000 | $175,000 | $1,785,000 | $63,000 | $756,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 5,659 | $456,500,000 | $80,000 | $3,160,000 | $49,000 | $1,300,000 |
| Credit History | 3,830 | $159,234,000 | $41,000 | $4,720,000 | $52,000 | $1,118,000 |
| Collateral | 3,782 | $716,136,000 | $189,000 | $4,200,000 | $120,000 | $5,155,000 |
| Other | 1,190 | $82,880,000 | $69,000 | $24,200,000 | $73,000 | $4,940,000 |
| Unverifiable Information | 838 | $54,403,000 | $64,000 | $1,247,000 | $68,000 | $516,000 |
| Credit Application Incomplete | 306 | $58,749,000 | $191,000 | $1,785,000 | $112,000 | $2,760,000 |
| Employment History | 149 | $9,153,000 | $61,000 | $670,000 | $54,000 | $1,296,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 130 | $30,370,000 | $233,000 | $1,500,000 | $102,000 | $731,000 |
| Mortgage Insurance Denied | 20 | $3,691,000 | $184,000 | $565,000 | $83,000 | $233,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank, NA's 2011 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.
For a list of all lenders in Rhode Island, download the full spreadsheet
with aggregated HMDA statistics today.
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