Citizens Bank, NA Mortgage Lending & HMDA Data, 2012
In 2012, Citizens Bank, NA of Providence, RI reported 68,748 mortgage applications totaling $12.4 billion, up 16% from 2011. The average application was for $179,731, and applicants reported an average income of $105,330. 57% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Providence-New Bedford-Fall River, RI-MA (6,389), Chicago-Joliet-Naperville, IL (5,867) and Philadelphia, PA (5,277) (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 | 68,748 |
| Total Mortgage Loan Application Amount | $12,356,207,000 |
| Average Mortgage Loan Application Amount | $179,731 |
| Highest Mortgage Loan Application Amount | $31,400,000 |
| Average Applicant Income | $105,330 |
| Highest Applicant Income | $8,417,000 |
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Act (HMDA) records Citizens Bank, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 6,389 | $ 1,128,652,000 | $ 176,655 | $ 101,672 |
| Chicago-Joliet-Naperville, IL | 5,867 | $ 1,088,229,000 | $ 185,483 | $ 104,000 |
| Philadelphia, PA | 5,277 | $ 1,161,430,000 | $ 220,092 | $ 121,000 |
| Boston-Quincy, MA | 5,040 | $ 1,316,299,000 | $ 261,170 | $ 131,000 |
| Cleveland-Elyria-Mentor, OH | 3,912 | $ 392,539,000 | $ 100,342 | $ 74,000 |
| Warren-Troy-Farmington Hills, MI | 3,866 | $ 571,470,000 | $ 147,819 | $ 97,000 |
| Cambridge-Newton-Framingham, MA | 3,612 | $ 1,098,953,000 | $ 304,250 | $ 141,000 |
| Detroit-Livonia-Dearborn, MI | 2,579 | $ 206,910,000 | $ 80,228 | $ 70,000 |
| Buffalo-Niagara Falls, NY | 2,117 | $ 161,337,000 | $ 76,210 | $ 63,000 |
| Pittsburgh, PA | 1,796 | $ 274,181,000 | $ 152,662 | $ 103,000 |
| Rockingham County-Strafford County, NH | 1,545 | $ 310,836,000 | $ 201,188 | $ 105,000 |
| Rochester, NY | 1,286 | $ 76,989,000 | $ 59,867 | $ 59,000 |
| Springfield, MA | 1,171 | $ 150,622,000 | $ 128,626 | $ 73,000 |
| Manchester-Nashua, NH | 1,039 | $ 193,634,000 | $ 186,365 | $ 106,000 |
| Toledo, OH | 1,006 | $ 63,548,000 | $ 63,168 | $ 62,000 |
| Akron, OH | 996 | $ 101,600,000 | $ 102,008 | $ 74,000 |
| Barnstable Town, MA | 974 | $ 229,560,000 | $ 235,687 | $ 135,000 |
| Peabody, MA | 949 | $ 210,484,000 | $ 221,795 | $ 115,000 |
| Hartford-West Hartford-East Hartford, CT | 825 | $ 149,144,000 | $ 180,780 | $ 107,000 |
| Wilmington, DE-MD-NJ | 790 | $ 169,034,000 | $ 213,967 | $ 115,107 |
| New Haven-Milford, CT | 788 | $ 169,241,000 | $ 214,772 | $ 117,000 |
| Canton-Massillon, OH | 758 | $ 72,018,000 | $ 95,010 | $ 64,000 |
| Worcester, MA | 684 | $ 127,915,000 | $ 187,010 | $ 109,000 |
| New York-White Plains-Wayne, NY-NJ | 669 | $ 265,684,000 | $ 397,136 | $ 199,439 |
| Albany-Schenectady-Troy, NY | 632 | $ 89,310,000 | $ 141,313 | $ 90,000 |
| Norwich-New London, CT | 584 | $ 106,897,000 | $ 183,042 | $ 111,000 |
| Syracuse, NY | 441 | $ 25,805,000 | $ 58,514 | $ 57,000 |
| Scranton--Wilkes-Barre, PA | 387 | $ 54,510,000 | $ 140,852 | $ 92,000 |
| Columbus, OH | 371 | $ 23,734,000 | $ 63,973 | $ 58,000 |
| Ocean City, NJ | 363 | $ 167,898,000 | $ 462,528 | $ 293,000 |
| Harrisburg-Carlisle, PA | 353 | $ 51,381,000 | $ 145,555 | $ 95,000 |
| Reading, PA | 343 | $ 50,934,000 | $ 148,495 | $ 85,000 |
| Camden, NJ | 307 | $ 63,597,000 | $ 207,156 | $ 131,000 |
| Youngstown-Warren-Boardman, OH-PA | 307 | $ 28,758,000 | $ 93,674 | $ 72,052 |
| Poughkeepsie-Newburgh-Middletown, NY | 298 | $ 42,305,000 | $ 141,963 | $ 85,000 |
| Bridgeport-Stamford-Norwalk, CT | 295 | $ 165,873,000 | $ 562,281 | $ 253,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 277 | $ 50,936,000 | $ 183,884 | $ 104,541 |
| Dover, DE | 268 | $ 43,053,000 | $ 160,645 | $ 88,000 |
| Burlington-South Burlington, VT | 265 | $ 53,356,000 | $ 201,343 | $ 121,000 |
| Binghamton, NY | 248 | $ 16,725,000 | $ 67,439 | $ 52,000 |
| Lake County-Kenosha County, IL-WI | 230 | $ 93,253,000 | $ 405,447 | $ 213,086 |
| Utica-Rome, NY | 212 | $ 9,130,000 | $ 43,066 | $ 48,000 |
| Erie, PA | 201 | $ 24,726,000 | $ 123,014 | $ 77,000 |
| Lancaster, PA | 197 | $ 32,348,000 | $ 164,203 | $ 92,000 |
| Portland-South Portland-Biddeford, ME | 196 | $ 41,065,000 | $ 209,515 | $ 130,000 |
| Lansing-East Lansing, MI | 194 | $ 28,059,000 | $ 144,634 | $ 107,000 |
| York-Hanover, PA | 179 | $ 27,075,000 | $ 151,256 | $ 90,000 |
| Nassau-Suffolk, NY | 176 | $ 44,114,000 | $ 250,647 | $ 152,000 |
| Ann Arbor, MI | 167 | $ 31,323,000 | $ 187,562 | $ 122,000 |
| Newark-Union, NJ-PA | 167 | $ 47,512,000 | $ 284,502 | $ 149,053 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 145 | $ 60,293,000 | $ 415,813 | $ 175,020 |
| Kingston, NY | 144 | $ 15,048,000 | $ 104,500 | $ 73,000 |
| Edison-New Brunswick, NJ | 123 | $ 41,411,000 | $ 336,674 | $ 205,000 |
| Pittsfield, MA | 118 | $ 10,469,000 | $ 88,720 | $ 82,000 |
| Gary, IN | 101 | $ 15,228,000 | $ 150,772 | $ 76,000 |
| Altoona, PA | 100 | $ 11,254,000 | $ 112,540 | $ 76,000 |
| State College, PA | 100 | $ 16,215,000 | $ 162,150 | $ 89,000 |
| Monroe, MI | 95 | $ 10,071,000 | $ 106,010 | $ 74,000 |
| Glens Falls, NY | 94 | $ 10,692,000 | $ 113,744 | $ 119,000 |
| Indianapolis-Carmel, IN | 93 | $ 16,966,000 | $ 182,430 | $ 110,000 |
| Baltimore-Towson, MD | 92 | $ 29,866,000 | $ 324,630 | $ 159,000 |
| Saginaw-Saginaw Township North, MI | 80 | $ 6,232,000 | $ 77,900 | $ 57,000 |
| Atlantic City-Hammonton, NJ | 71 | $ 20,431,000 | $ 287,760 | $ 234,000 |
| Kalamazoo-Portage, MI | 64 | $ 9,931,000 | $ 155,171 | $ 106,000 |
| Cincinnati-Middletown, OH-KY-IN | 62 | $ 10,789,000 | $ 174,016 | $ 107,661 |
| Flint, MI | 59 | $ 7,571,000 | $ 128,322 | $ 87,000 |
| Grand Rapids-Wyoming, MI | 58 | $ 7,689,000 | $ 132,568 | $ 93,000 |
| Bethesda-Rockville-Frederick, MD | 54 | $ 24,536,000 | $ 454,370 | $ 208,000 |
| Cape Coral-Fort Myers, FL | 41 | $ 7,599,000 | $ 185,341 | $ 169,000 |
| North Port-Bradenton-Sarasota, FL | 41 | $ 9,412,000 | $ 229,560 | $ 246,000 |
| Lebanon, PA | 40 | $ 6,459,000 | $ 161,475 | $ 109,000 |
| Atlanta-Sandy Springs-Marietta, GA | 39 | $ 6,310,000 | $ 161,794 | $ 91,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 37 | $ 8,267,000 | $ 223,432 | $ 381,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 36 | $ 6,444,000 | $ 179,000 | $ 109,888 |
| Naples-Marco Island, FL | 35 | $ 8,185,000 | $ 233,857 | $ 271,000 |
| Tampa-St. Petersburg-Clearwater, FL | 35 | $ 5,578,000 | $ 159,371 | $ 133,000 |
| Richmond, VA | 33 | $ 8,108,000 | $ 245,696 | $ 119,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 27 | $ 5,694,000 | $ 210,888 | $ 150,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 27 | $ 7,729,000 | $ 286,259 | $ 187,111 |
| Ithaca, NY | 25 | $ 2,183,000 | $ 87,320 | $ 90,000 |
| Orlando-Kissimmee-Sanford, FL | 25 | $ 4,622,000 | $ 184,880 | $ 151,000 |
| Trenton-Ewing, NJ | 25 | $ 7,999,000 | $ 319,960 | $ 184,000 |
| Phoenix-Mesa-Glendale, AZ | 24 | $ 7,470,000 | $ 311,250 | $ 200,000 |
| St. Louis, MO-IL | 23 | $ 3,428,000 | $ 149,043 | $ 103,608 |
| Dayton, OH | 22 | $ 2,812,000 | $ 127,818 | $ 90,000 |
| Raleigh-Cary, NC | 21 | $ 5,713,000 | $ 272,047 | $ 162,000 |
| Asheville, NC | 19 | $ 4,432,000 | $ 233,263 | $ 148,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 18 | $ 2,949,000 | $ 163,833 | $ 117,000 |
| Charleston-North Charleston-Summerville, SC | 17 | $ 4,493,000 | $ 264,294 | $ 227,000 |
| Huntington-Ashland, WV-KY-OH | 16 | $ 1,445,000 | $ 90,312 | $ 71,375 |
| Niles-Benton Harbor, MI | 16 | $ 3,777,000 | $ 236,062 | $ 200,000 |
| Jackson, MI | 15 | $ 2,609,000 | $ 173,933 | $ 135,000 |
| Holland-Grand Haven, MI | 14 | $ 2,435,000 | $ 173,928 | $ 84,000 |
| Port St. Lucie, FL | 14 | $ 2,533,000 | $ 180,928 | $ 108,000 |
| Miami-Miami Beach-Kendall, FL | 13 | $ 4,397,000 | $ 338,230 | $ 731,000 |
| Las Vegas-Paradise, NV | 12 | $ 2,437,000 | $ 203,083 | $ 153,000 |
| Battle Creek, MI | 11 | $ 1,056,000 | $ 96,000 | $ 77,000 |
| Los Angeles-Long Beach-Glendale, CA | 11 | $ 3,129,000 | $ 284,454 | $ 117,000 |
| Rockford, IL | 11 | $ 1,073,000 | $ 97,545 | $ 73,000 |
| Winston-Salem, NC | 11 | $ 1,830,000 | $ 166,363 | $ 93,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 10 | $ 1,260,000 | $ 126,000 | $ 113,000 |
| Riverside-San Bernardino-Ontario, CA | 10 | $ 1,856,000 | $ 185,600 | $ 110,000 |
| Johnstown, PA | 9 | $ 1,201,000 | $ 133,444 | $ 68,000 |
| Peoria, IL | 9 | $ 1,019,000 | $ 113,222 | $ 66,000 |
| Jacksonville, FL | 8 | $ 1,702,000 | $ 212,750 | $ 162,000 |
| Mansfield, OH | 8 | $ 416,000 | $ 52,000 | $ 53,000 |
| Palm Bay-Melbourne-Titusville, FL | 8 | $ 1,380,000 | $ 172,500 | $ 146,000 |
| Wilmington, NC | 8 | $ 1,302,000 | $ 162,750 | $ 97,000 |
| Charlottesville, VA | 7 | $ 2,189,000 | $ 312,714 | $ 165,000 |
| Michigan City-La Porte, IN | 7 | $ 3,667,000 | $ 523,857 | $ 212,000 |
| Oakland-Fremont-Hayward, CA | 7 | $ 2,794,000 | $ 399,142 | $ 150,000 |
| San Diego-Carlsbad-San Marcos, CA | 7 | $ 1,929,000 | $ 275,571 | $ 145,000 |
| Durham-Chapel Hill, NC | 6 | $ 1,717,000 | $ 286,166 | $ 221,000 |
| Elmira, NY | 6 | $ 474,000 | $ 79,000 | $ 55,000 |
| Kankakee-Bradley, IL | 6 | $ 656,000 | $ 109,333 | $ 52,000 |
| Kansas City, MO-KS | 6 | $ 951,000 | $ 158,500 | $ 88,333 |
| Muskegon-Norton Shores, MI | 6 | $ 822,000 | $ 137,000 | $ 248,000 |
| Santa Ana-Anaheim-Irvine, CA | 6 | $ 2,046,000 | $ 341,000 | $ 192,000 |
| Springfield, OH | 6 | $ 403,000 | $ 67,166 | $ 87,000 |
| Anderson, IN | 5 | $ 535,000 | $ 107,000 | $ 79,000 |
| Denver-Aurora-Broomfield, CO | 5 | $ 929,000 | $ 185,800 | $ 165,000 |
| Fort Wayne, IN | 5 | $ 538,000 | $ 107,600 | $ 61,000 |
| Lynchburg, VA | 5 | $ 1,133,000 | $ 226,600 | $ 177,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 974,000 | $ 194,800 | $ 74,000 |
| Ocala, FL | 5 | $ 731,000 | $ 146,200 | $ 76,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 5 | $ 887,000 | $ 177,400 | $ 103,200 |
| San Francisco-San Mateo-Redwood City, CA | 5 | $ 2,248,000 | $ 449,600 | $ 119,000 |
| Sandusky, OH | 5 | $ 712,000 | $ 142,400 | $ 283,000 |
| Albuquerque, NM | 4 | $ 570,000 | $ 142,500 | $ 187,000 |
| Bay City, MI | 4 | $ 676,000 | $ 169,000 | $ 81,000 |
| Greensboro-High Point, NC | 4 | $ 764,000 | $ 191,000 | $ 99,000 |
| Lakeland-Winter Haven, FL | 4 | $ 429,000 | $ 107,250 | $ 77,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 960,000 | $ 240,000 | $ 113,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 922,000 | $ 230,500 | $ 90,000 |
| New Orleans-Metairie-Kenner, LA | 4 | $ 637,000 | $ 159,250 | $ 154,000 |
| Punta Gorda, FL | 4 | $ 578,000 | $ 144,500 | $ 104,000 |
| Roanoke, VA | 4 | $ 568,000 | $ 142,000 | $ 106,000 |
| Salisbury, MD | 4 | $ 915,000 | $ 228,750 | $ 88,000 |
| Sebastian-Vero Beach, FL | 4 | $ 683,000 | $ 170,750 | $ 50,000 |
| Colorado Springs, CO | 3 | $ 426,000 | $ 142,000 | $ 111,000 |
| Dallas-Plano-Irving, TX | 3 | $ 18,441,000 | $ 6,147,000 | $ 113,000 |
| Evansville, IN-KY | 3 | $ 194,000 | $ 64,666 | $ 95,000 |
| Greenville-Mauldin-Easley, SC | 3 | $ 515,000 | $ 171,666 | $ 130,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 1,550,000 | $ 516,666 | $ 138,000 |
| Knoxville, TN | 3 | $ 759,000 | $ 253,000 | $ 103,000 |
| Lewiston-Auburn, ME | 3 | $ 605,000 | $ 201,666 | $ 348,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 305,000 | $ 101,666 | $ 75,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 495,000 | $ 165,000 | $ 112,000 |
| Prescott, AZ | 3 | $ 536,000 | $ 178,666 | $ 175,000 |
| Salem, OR | 3 | $ 527,000 | $ 175,666 | $ 56,000 |
| Savannah, GA | 3 | $ 738,000 | $ 246,000 | $ 93,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 756,000 | $ 252,000 | $ 96,000 |
| Spartanburg, SC | 3 | $ 286,000 | $ 95,333 | $ 51,000 |
| Springfield, IL | 3 | $ 175,000 | $ 58,333 | $ 73,000 |
| Tallahassee, FL | 3 | $ 6,837,000 | $ 2,279,000 | $ 91,000 |
| Tucson, AZ | 3 | $ 812,000 | $ 270,666 | $ 189,000 |
| Winchester, VA-WV | 3 | $ 746,000 | $ 248,666 | $ 360,666 |
| Anderson, SC | 2 | $ 229,000 | $ 114,500 | $ 169,000 |
| Bangor, ME | 2 | $ 291,000 | $ 145,500 | $ 121,000 |
| Birmingham-Hoover, AL | 2 | $ 246,000 | $ 123,000 | $ 57,000 |
| Bloomington, IN | 2 | $ 312,000 | $ 156,000 | $ 84,000 |
| Bloomington-Normal, IL | 2 | $ 20,000 | $ 10,000 | $ 62,000 |
| Bremerton-Silverdale, WA | 2 | $ 568,000 | $ 284,000 | $ 307,000 |
| Chattanooga, TN-GA | 2 | $ 366,000 | $ 183,000 | $ 92,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 91,000 | $ 45,500 | $ 97,000 |
| Des Moines-West Des Moines, IA | 2 | $ 296,000 | $ 148,000 | $ 78,000 |
| Duluth, MN-WI | 2 | $ 251,000 | $ 125,500 | $ 62,500 |
| Fayetteville, NC | 2 | $ 172,000 | $ 86,000 | $ 69,000 |
| Gainesville, GA | 2 | $ 310,000 | $ 155,000 | $ 76,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 175,000 | $ 87,500 | $ 75,000 |
| Jacksonville, NC | 2 | $ 230,000 | $ 115,000 | $ 60,000 |
| Joplin, MO | 2 | $ 224,000 | $ 112,000 | $ 74,000 |
| Lafayette, IN | 2 | $ 456,000 | $ 228,000 | $ 113,000 |
| Lexington-Fayette, KY | 2 | $ 282,000 | $ 141,000 | $ 85,000 |
| Lima, OH | 2 | $ 222,000 | $ 111,000 | $ 57,000 |
| Longview, WA | 2 | $ 141,000 | $ 70,500 | $ 90,000 |
| Memphis, TN-MS-AR | 2 | $ 318,000 | $ 159,000 | $ 126,000 |
| Morgantown, WV | 2 | $ 214,000 | $ 107,000 | $ 190,000 |
| Oshkosh-Neenah, WI | 2 | $ 318,000 | $ 159,000 | $ 140,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 718,000 | $ 359,000 | $ 170,000 |
| Palm Coast, FL | 2 | $ 363,000 | $ 181,500 | $ 315,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 2 | $ 391,000 | $ 195,500 | $ 76,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 589,000 | $ 294,500 | $ 90,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 596,000 | $ 298,000 | $ 138,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 1,400,000 | $ 700,000 | $ 1,428,000 |
| Tacoma, WA | 2 | $ 766,000 | $ 383,000 | $ 104,000 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 551,000 | $ 275,500 | $ 135,000 |
| Williamsport, PA | 2 | $ 155,000 | $ 77,500 | $ 108,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 100,000 | $ 100,000 | $ 121,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 118,000 | $ 118,000 | $ 59,000 |
| Bellingham, WA | 1 | $ 179,000 | $ 179,000 | $ 150,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 101,000 | $ 101,000 | $ 119,000 |
| Boise City-Nampa, ID | 1 | $ 315,000 | $ 315,000 | $ 99,000 |
| Burlington, NC | 1 | $ 244,000 | $ 244,000 | $ 145,000 |
| Champaign-Urbana, IL | 1 | $ 80,000 | $ 80,000 | $ 67,000 |
| Clarksville, TN-KY | 1 | $ 57,000 | $ 57,000 | $ 246,000 |
| Columbia, SC | 1 | $ 72,000 | $ 72,000 | $ 51,000 |
| Columbus, GA-AL | 1 | $ 139,000 | $ 139,000 | $ 37,000 |
| Danville, IL | 1 | $ 60,000 | $ 60,000 | $ 52,000 |
| Decatur, IL | 1 | $ 10,000 | $ 10,000 | $ 28,000 |
| Eugene-Springfield, OR | 1 | $ 266,000 | $ 266,000 | $ 155,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 380,000 | $ 380,000 | $ 155,000 |
| Flagstaff, AZ | 1 | $ 417,000 | $ 417,000 | $ 2,032,000 |
| Florence, SC | 1 | $ 116,000 | $ 116,000 | $ 25,000 |
| Greeley, CO | 1 | $ 170,000 | $ 170,000 | $ 101,000 |
| Hattiesburg, MS | 1 | $ 124,000 | $ 124,000 | $ 112,000 |
| Hot Springs, AR | 1 | $ 80,000 | $ 80,000 | $ 59,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 221,000 | $ 221,000 | $ 159,000 |
| Kokomo, IN | 1 | $ 98,000 | $ 98,000 | $ 72,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 48,000 | $ 48,000 | $ 35,000 |
| Madison, WI | 1 | $ 260,000 | $ 260,000 | $ 76,000 |
| Mobile, AL | 1 | $ 5,000 | $ 5,000 | $ 22,000 |
| Modesto, CA | 1 | $ 325,000 | $ 325,000 | $ 43,000 |
| Muncie, IN | 1 | $ 264,000 | $ 264,000 | $ 150,000 |
| Oklahoma City, OK | 1 | $ 335,000 | $ 335,000 | $ 130,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 173,000 | $ 173,000 | $ 91,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 193,000 | $ 193,000 | $ 89,000 |
| Racine, WI | 1 | $ 119,000 | $ 119,000 | $ 43,000 |
| Reno-Sparks, NV | 1 | $ 94,000 | $ 94,000 | $ 158,000 |
| Rochester, MN | 1 | $ 212,000 | $ 212,000 | $ 70,000 |
| Rocky Mount, NC | 1 | $ 48,000 | $ 48,000 | $ 49,000 |
| Salinas, CA | 1 | $ 578,000 | $ 578,000 | $ 220,000 |
| Salt Lake City, UT | 1 | $ 343,000 | $ 343,000 | $ 101,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 1,000,000 | $ 1,000,000 | $ 1,080,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 200,000 | $ 200,000 | $ 268,000 |
| Sumter, SC | 1 | $ 68,000 | $ 68,000 | $ 14,000 |
| Topeka, KS | 1 | $ 124,000 | $ 124,000 | $ 54,000 |
| Wenatchee-East Wenatchee, WA | 1 | $ 250,000 | $ 250,000 | $ 534,000 |
| Wheeling, WV-OH | 1 | $ 52,000 | $ 52,000 | $ 61,000 |
| Yuma, AZ | 1 | $ 94,000 | $ 94,000 | $ 52,000 |
Mortgage Loan Application Detail Totals for Citizens Bank, NA in 2012
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 | 44,392 | $9,332,408,000 | $210,000 | $30,000,000 | $120,000 | $8,417,000 |
| Home Purchase | 13,548 | $2,818,096,000 | $208,000 | $31,400,000 | $103,000 | $7,000,000 |
| Home Improvement | 10,808 | $205,703,000 | $19,000 | $25,133,000 | $48,000 | $5,000,000 |
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 | 40,829 | $7,400,253,000 | $181,000 | $11,000,000 | $110,000 | $8,417,000 |
| Not Provided | 17,359 | $3,581,232,000 | $206,000 | $2,880,000 | $118,000 | $3,620,000 |
| Black or African American | 4,902 | $336,186,000 | $68,000 | $1,500,000 | $53,000 | $1,080,000 |
| Hispanic | 3,200 | $316,660,000 | $98,000 | $1,847,000 | $57,000 | $800,000 |
| Asian | 2,086 | $451,241,000 | $216,000 | $3,588,000 | $118,000 | $6,465,000 |
| American Indian or Alaskan Native | 167 | $15,057,000 | $90,000 | $625,000 | $71,000 | $479,000 |
| Native Hawaiian or Other Pacific Islander | 138 | $25,284,000 | $183,000 | $1,971,000 | $111,000 | $762,000 |
| Not applicable | 67 | $230,294,000 | $3,437,000 | $31,400,000 | $43,000 | $271,000 |
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) | 61,755 | $11,279,000,000 | $182,000 | $31,400,000 | $111,000 | $8,417,000 |
| FHA-insured (Federal Housing Administration) | 6,402 | $966,887,000 | $151,000 | $999,000 | $58,000 | $697,000 |
| VA-guaranteed (Veterans Administration) | 591 | $110,320,000 | $186,000 | $417,000 | $68,000 | $314,000 |
| 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 | 39,101 | $7,765,212,000 | $198,000 | $31,400,000 | $116,000 | $8,417,000 |
| Application Denied By Financial Institution | 16,552 | $1,699,308,000 | $102,000 | $3,587,000 | $73,000 | $7,000,000 |
| File Closed For Incompleteness | 5,269 | $1,143,655,000 | $217,000 | $11,000,000 | $118,000 | $4,400,000 |
| Application Withdrawn By Applicant | 4,292 | $1,073,715,000 | $250,000 | $30,000,000 | $114,000 | $6,465,000 |
| Application Approved But Not Accepted | 3,114 | $613,370,000 | $196,000 | $11,450,000 | $125,000 | $5,983,000 |
| Preapproval Denied by Financial Institution | 377 | $53,962,000 | $143,000 | $1,425,000 | $59,000 | $1,392,000 |
| Loan Purchased By The Institution | 43 | $6,985,000 | $162,000 | $294,000 | $68,000 | $271,000 |
| 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 | 5,275 | $499,696,000 | $94,000 | $1,500,000 | $52,000 | $1,227,000 |
| Credit History | 4,736 | $264,843,000 | $55,000 | $3,587,000 | $56,000 | $7,000,000 |
| Collateral | 3,836 | $738,753,000 | $192,000 | $2,400,000 | $116,000 | $2,383,000 |
| Other | 1,186 | $42,795,000 | $36,000 | $1,925,000 | $71,000 | $2,330,000 |
| Unverifiable Information | 1,144 | $77,193,000 | $67,000 | $750,000 | $74,000 | $1,551,000 |
| Credit Application Incomplete | 349 | $72,646,000 | $208,000 | $1,425,000 | $126,000 | $2,271,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 202 | $43,395,000 | $214,000 | $1,999,000 | $96,000 | $785,000 |
| Employment History | 170 | $8,532,000 | $50,000 | $422,000 | $41,000 | $374,000 |
| Mortgage Insurance Denied | 31 | $5,417,000 | $174,000 | $409,000 | $88,000 | $301,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank, NA's 2012 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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