Citizens Bank, NA Mortgage Lending & HMDA Data, 2014
In 2014, Citizens Bank, NA of Providence, RI reported 32,856 mortgage applications totaling $6.2 billion, down 44% from 2013. The average application was for $187,674, and applicants reported an average income of $103,422. 51% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Providence-Warwick, RI-MA (2,361), Warren-Troy-Farmington Hills, MI (2,144) and Cleveland-Elyria, OH (1,927) (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 | 32,856 |
| Total Mortgage Loan Application Amount | $6,166,245,000 |
| Average Mortgage Loan Application Amount | $187,674 |
| Highest Mortgage Loan Application Amount | $40,950,000 |
| Average Applicant Income | $103,422 |
| Highest Applicant Income | $7,846,000 |
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Act (HMDA) records Citizens Bank, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Warwick, RI-MA | 2,361 | $ 374,230,000 | $ 158,504 | $ 89,319 |
| Warren-Troy-Farmington Hills, MI | 2,144 | $ 281,781,000 | $ 131,427 | $ 84,000 |
| Cleveland-Elyria, OH | 1,927 | $ 150,236,000 | $ 77,963 | $ 67,000 |
| Boston, MA | 1,623 | $ 484,622,000 | $ 298,596 | $ 133,000 |
| Chicago-Naperville-Arlington Heights, IL | 1,613 | $ 389,792,000 | $ 241,656 | $ 114,000 |
| Detroit-Dearborn-Livonia, MI | 1,593 | $ 94,294,000 | $ 59,192 | $ 58,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1,511 | $ 86,105,000 | $ 56,985 | $ 58,000 |
| Cambridge-Newton-Framingham, MA | 1,499 | $ 477,311,000 | $ 318,419 | $ 130,000 |
| Philadelphia, PA | 1,260 | $ 245,349,000 | $ 194,721 | $ 106,000 |
| Montgomery County-Bucks County-Chester County, PA | 1,175 | $ 318,209,000 | $ 270,816 | $ 146,000 |
| Pittsburgh, PA | 1,136 | $ 156,745,000 | $ 137,979 | $ 92,000 |
| Rochester, NY | 891 | $ 46,675,000 | $ 52,384 | $ 55,000 |
| New York-Jersey City-White Plains, NY-NJ | 763 | $ 396,708,000 | $ 519,931 | $ 233,754 |
| Toledo, OH | 687 | $ 40,193,000 | $ 58,505 | $ 57,000 |
| Akron, OH | 597 | $ 50,395,000 | $ 84,413 | $ 61,000 |
| Springfield, MA | 543 | $ 56,725,000 | $ 104,465 | $ 62,000 |
| Rockingham County-Strafford County, NH | 536 | $ 108,536,000 | $ 202,492 | $ 99,000 |
| Canton-Massillon, OH | 491 | $ 34,657,000 | $ 70,584 | $ 56,000 |
| Albany-Schenectady-Troy, NY | 375 | $ 49,973,000 | $ 133,261 | $ 83,000 |
| Manchester-Nashua, NH | 372 | $ 70,449,000 | $ 189,379 | $ 98,000 |
| Syracuse, NY | 293 | $ 13,860,000 | $ 47,303 | $ 56,000 |
| Worcester, MA-CT | 281 | $ 44,688,000 | $ 159,032 | $ 101,160 |
| New Haven-Milford, CT | 278 | $ 53,111,000 | $ 191,046 | $ 114,000 |
| Wilmington, DE-MD-NJ | 272 | $ 47,691,000 | $ 175,334 | $ 114,709 |
| Hartford-West Hartford-East Hartford, CT | 262 | $ 42,940,000 | $ 163,893 | $ 101,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 257 | $ 28,693,000 | $ 111,645 | $ 68,000 |
| Norwich-New London, CT | 256 | $ 71,788,000 | $ 280,421 | $ 85,000 |
| Barnstable Town, MA | 251 | $ 59,941,000 | $ 238,808 | $ 143,000 |
| Charlotte-Concord-Gastonia, NC-SC | 220 | $ 120,262,000 | $ 546,645 | $ 212,227 |
| Columbus, OH | 211 | $ 13,234,000 | $ 62,720 | $ 55,000 |
| Ocean City, NJ | 208 | $ 115,913,000 | $ 557,274 | $ 379,000 |
| Salisbury, MD-DE | 203 | $ 56,493,000 | $ 278,290 | $ 156,339 |
| Camden, NJ | 199 | $ 48,408,000 | $ 243,256 | $ 180,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 178 | $ 127,536,000 | $ 716,494 | $ 238,438 |
| Reading, PA | 167 | $ 23,530,000 | $ 140,898 | $ 79,000 |
| Richmond, VA | 154 | $ 42,988,000 | $ 279,142 | $ 139,000 |
| Charleston-North Charleston, SC | 146 | $ 82,418,000 | $ 564,506 | $ 236,000 |
| Baltimore-Columbia-Towson, MD | 144 | $ 81,601,000 | $ 566,673 | $ 196,000 |
| Bridgeport-Stamford-Norwalk, CT | 130 | $ 84,152,000 | $ 647,323 | $ 263,000 |
| Newark, NJ-PA | 125 | $ 55,589,000 | $ 444,712 | $ 227,344 |
| Harrisburg-Carlisle, PA | 118 | $ 17,685,000 | $ 149,872 | $ 98,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 110 | $ 21,079,000 | $ 191,627 | $ 116,872 |
| Youngstown-Warren-Boardman, OH-PA | 106 | $ 8,438,000 | $ 79,603 | $ 63,867 |
| Indianapolis-Carmel-Anderson, IN | 102 | $ 17,214,000 | $ 168,764 | $ 87,000 |
| Binghamton, NY | 99 | $ 4,200,000 | $ 42,424 | $ 46,000 |
| Nassau County-Suffolk County, NY | 92 | $ 53,513,000 | $ 581,663 | $ 276,000 |
| Erie, PA | 91 | $ 11,988,000 | $ 131,736 | $ 107,000 |
| Utica-Rome, NY | 91 | $ 2,608,000 | $ 28,659 | $ 44,000 |
| Portland-South Portland, ME | 90 | $ 19,622,000 | $ 218,022 | $ 138,000 |
| Lancaster, PA | 86 | $ 11,030,000 | $ 128,255 | $ 83,000 |
| State College, PA | 86 | $ 15,370,000 | $ 178,720 | $ 101,000 |
| Burlington-South Burlington, VT | 82 | $ 14,883,000 | $ 181,500 | $ 108,000 |
| Ann Arbor, MI | 81 | $ 11,977,000 | $ 147,864 | $ 100,000 |
| Grand Rapids-Wyoming, MI | 81 | $ 10,476,000 | $ 129,333 | $ 74,000 |
| Lake County-Kenosha County, IL-WI | 80 | $ 44,389,000 | $ 554,862 | $ 302,512 |
| Dover, DE | 79 | $ 10,507,000 | $ 133,000 | $ 70,000 |
| Cincinnati, OH-KY-IN | 76 | $ 13,887,000 | $ 182,723 | $ 89,210 |
| Dutchess County-Putnam County, NY | 74 | $ 14,827,000 | $ 200,364 | $ 123,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 74 | $ 31,350,000 | $ 423,648 | $ 225,000 |
| East Stroudsburg, PA | 71 | $ 11,712,000 | $ 164,957 | $ 108,000 |
| York-Hanover, PA | 70 | $ 11,219,000 | $ 160,271 | $ 103,000 |
| Atlantic City-Hammonton, NJ | 69 | $ 31,813,000 | $ 461,057 | $ 317,000 |
| Lansing-East Lansing, MI | 69 | $ 9,116,000 | $ 132,115 | $ 99,000 |
| Monroe, MI | 65 | $ 5,781,000 | $ 88,938 | $ 57,000 |
| Altoona, PA | 64 | $ 6,583,000 | $ 102,859 | $ 58,000 |
| Glens Falls, NY | 59 | $ 9,043,000 | $ 153,271 | $ 87,000 |
| Pittsfield, MA | 59 | $ 6,100,000 | $ 103,389 | $ 82,000 |
| Kingston, NY | 56 | $ 5,875,000 | $ 104,910 | $ 69,000 |
| Elgin, IL | 45 | $ 12,013,000 | $ 266,955 | $ 126,000 |
| Flint, MI | 42 | $ 6,016,000 | $ 143,238 | $ 86,000 |
| Saginaw, MI | 41 | $ 1,668,000 | $ 40,682 | $ 52,000 |
| Winston-Salem, NC | 37 | $ 10,276,000 | $ 277,729 | $ 162,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 35 | $ 15,471,000 | $ 442,028 | $ 188,285 |
| Kalamazoo-Portage, MI | 34 | $ 3,964,000 | $ 116,588 | $ 89,000 |
| Tampa-St. Petersburg-Clearwater, FL | 32 | $ 4,830,000 | $ 150,937 | $ 125,000 |
| Silver Spring-Frederick-Rockville, MD | 30 | $ 21,259,000 | $ 708,633 | $ 237,000 |
| Raleigh, NC | 29 | $ 11,823,000 | $ 407,689 | $ 165,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 23 | $ 5,742,000 | $ 249,652 | $ 236,826 |
| Asheville, NC | 22 | $ 5,366,000 | $ 243,909 | $ 109,000 |
| Cape Coral-Fort Myers, FL | 22 | $ 3,644,000 | $ 165,636 | $ 96,000 |
| Williamsport, PA | 22 | $ 2,984,000 | $ 135,636 | $ 56,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 21 | $ 9,373,000 | $ 446,333 | $ 385,000 |
| Ithaca, NY | 20 | $ 629,000 | $ 31,450 | $ 52,000 |
| Naples-Immokalee-Marco Island, FL | 20 | $ 4,906,000 | $ 245,300 | $ 166,000 |
| Atlanta-Sandy Springs-Roswell, GA | 18 | $ 4,239,000 | $ 235,500 | $ 79,000 |
| Phoenix-Mesa-Scottsdale, AZ | 18 | $ 6,194,000 | $ 344,111 | $ 159,000 |
| Dayton, OH | 16 | $ 2,298,000 | $ 143,625 | $ 103,000 |
| Greenville-Anderson-Mauldin, SC | 16 | $ 5,514,000 | $ 344,625 | $ 122,000 |
| Louisville/Jefferson County, KY-IN | 16 | $ 2,972,000 | $ 185,750 | $ 101,687 |
| North Port-Sarasota-Bradenton, FL | 16 | $ 2,934,000 | $ 183,375 | $ 131,000 |
| Orlando-Kissimmee-Sanford, FL | 15 | $ 3,458,000 | $ 230,533 | $ 208,000 |
| Wilmington, NC | 15 | $ 4,699,000 | $ 313,266 | $ 179,000 |
| St. Louis, MO-IL | 14 | $ 2,831,000 | $ 202,214 | $ 83,714 |
| Los Angeles-Long Beach-Glendale, CA | 12 | $ 10,141,000 | $ 845,083 | $ 245,000 |
| San Francisco-Redwood City-South San Francisco, CA | 12 | $ 8,669,000 | $ 722,416 | $ 64,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 11 | $ 1,385,000 | $ 125,909 | $ 100,000 |
| Gary, IN | 11 | $ 729,000 | $ 66,272 | $ 48,000 |
| Oakland-Hayward-Berkeley, CA | 11 | $ 7,586,000 | $ 689,636 | $ 96,000 |
| Palm Bay-Melbourne-Titusville, FL | 11 | $ 1,494,000 | $ 135,818 | $ 180,000 |
| Trenton, NJ | 11 | $ 5,558,000 | $ 505,272 | $ 194,000 |
| Columbia, SC | 10 | $ 2,989,000 | $ 298,900 | $ 104,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 10 | $ 3,234,000 | $ 323,400 | $ 156,000 |
| Port St. Lucie, FL | 10 | $ 1,285,000 | $ 128,500 | $ 101,000 |
| Miami-Miami Beach-Kendall, FL | 9 | $ 11,543,000 | $ 1,282,555 | $ 486,000 |
| San Diego-Carlsbad, CA | 9 | $ 6,417,000 | $ 713,000 | $ 182,000 |
| San Rafael, CA | 9 | $ 7,144,000 | $ 793,777 | $ 2,000 |
| Battle Creek, MI | 8 | $ 1,141,000 | $ 142,625 | $ 88,000 |
| Huntington-Ashland, WV-KY-OH | 8 | $ 819,000 | $ 102,375 | $ 85,250 |
| Jackson, MI | 8 | $ 971,000 | $ 121,375 | $ 91,000 |
| Lebanon, PA | 8 | $ 1,059,000 | $ 132,375 | $ 83,000 |
| Niles-Benton Harbor, MI | 8 | $ 4,667,000 | $ 583,375 | $ 244,000 |
| Punta Gorda, FL | 8 | $ 1,369,000 | $ 171,125 | $ 200,000 |
| Charlottesville, VA | 7 | $ 3,589,000 | $ 512,714 | $ 317,000 |
| Jacksonville, FL | 7 | $ 1,318,000 | $ 188,285 | $ 103,000 |
| Anaheim-Santa Ana-Irvine, CA | 6 | $ 5,700,000 | $ 950,000 | $ 92,000 |
| Bloomsburg-Berwick, PA | 6 | $ 505,000 | $ 84,166 | $ 105,000 |
| Denver-Aurora-Lakewood, CO | 6 | $ 22,363,000 | $ 3,727,166 | $ 116,000 |
| Durham-Chapel Hill, NC | 6 | $ 2,037,000 | $ 339,500 | $ 129,000 |
| New Orleans-Metairie, LA | 6 | $ 2,010,000 | $ 335,000 | $ 129,000 |
| Ocala, FL | 6 | $ 975,000 | $ 162,500 | $ 116,000 |
| Savannah, GA | 6 | $ 774,000 | $ 129,000 | $ 60,000 |
| Chambersburg-Waynesboro, PA | 5 | $ 501,000 | $ 100,200 | $ 75,000 |
| Fort Wayne, IN | 5 | $ 1,217,000 | $ 243,400 | $ 120,000 |
| Gettysburg, PA | 5 | $ 919,000 | $ 183,800 | $ 88,000 |
| Kankakee, IL | 5 | $ 929,000 | $ 185,800 | $ 98,000 |
| Lakeland-Winter Haven, FL | 5 | $ 653,000 | $ 130,600 | $ 62,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 2,481,000 | $ 496,200 | $ 95,000 |
| South Bend-Mishawaka, IN-MI | 5 | $ 666,000 | $ 133,200 | $ 87,400 |
| Spartanburg, SC | 5 | $ 1,404,000 | $ 280,800 | $ 100,000 |
| The Villages, FL | 5 | $ 797,000 | $ 159,400 | $ 145,000 |
| Tulsa, OK | 5 | $ 616,000 | $ 123,200 | $ 66,000 |
| Weirton-Steubenville, WV-OH | 5 | $ 285,000 | $ 57,000 | $ 31,000 |
| Baton Rouge, LA | 4 | $ 1,266,000 | $ 316,500 | $ 223,000 |
| California-Lexington Park, MD | 4 | $ 1,318,000 | $ 329,500 | $ 143,000 |
| Dallas-Plano-Irving, TX | 4 | $ 3,049,000 | $ 762,250 | $ 270,000 |
| Daphne-Fairhope-Foley, AL | 4 | $ 614,000 | $ 153,500 | $ 290,000 |
| Memphis, TN-MS-AR | 4 | $ 932,000 | $ 233,000 | $ 138,250 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 582,000 | $ 145,500 | $ 251,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 2,210,000 | $ 552,500 | $ 228,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 810,000 | $ 202,500 | $ 93,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 897,000 | $ 224,250 | $ 109,000 |
| Watertown-Fort Drum, NY | 4 | $ 595,000 | $ 148,750 | $ 232,000 |
| Chattanooga, TN-GA | 3 | $ 690,000 | $ 230,000 | $ 93,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 557,000 | $ 185,666 | $ 165,000 |
| Elmira, NY | 3 | $ 30,000 | $ 10,000 | $ 45,000 |
| Florence, SC | 3 | $ 267,000 | $ 89,000 | $ 49,000 |
| Greensboro-High Point, NC | 3 | $ 366,000 | $ 122,000 | $ 46,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 1,580,000 | $ 526,666 | $ 193,000 |
| Homosassa Springs, FL | 3 | $ 380,000 | $ 126,666 | $ 82,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 1,072,000 | $ 357,333 | $ 47,000 |
| Johnstown, PA | 3 | $ 225,000 | $ 75,000 | $ 38,000 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 349,000 | $ 116,333 | $ 100,000 |
| Mansfield, OH | 3 | $ 88,000 | $ 29,333 | $ 46,000 |
| Michigan City-La Porte, IN | 3 | $ 913,000 | $ 304,333 | $ 160,000 |
| New Bern, NC | 3 | $ 357,000 | $ 119,000 | $ 61,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 2,132,000 | $ 710,666 | $ 33,000 |
| Sebastian-Vero Beach, FL | 3 | $ 467,000 | $ 155,666 | $ 69,000 |
| Sebring, FL | 3 | $ 276,000 | $ 92,000 | $ 73,000 |
| Spokane-Spokane Valley, WA | 3 | $ 454,000 | $ 151,333 | $ 160,000 |
| Vineland-Bridgeton, NJ | 3 | $ 353,000 | $ 117,666 | $ 61,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 192,000 | $ 96,000 | $ 47,000 |
| Bloomington, IN | 2 | $ 113,000 | $ 56,500 | $ 40,000 |
| Boise City, ID | 2 | $ 134,000 | $ 67,000 | $ 45,000 |
| Colorado Springs, CO | 2 | $ 332,000 | $ 166,000 | $ 90,000 |
| Jackson, TN | 2 | $ 180,000 | $ 90,000 | $ 72,000 |
| Lafayette-West Lafayette, IN | 2 | $ 169,000 | $ 84,500 | $ 48,000 |
| Lynchburg, VA | 2 | $ 848,000 | $ 424,000 | $ 280,000 |
| Montgomery, AL | 2 | $ 256,000 | $ 128,000 | $ 40,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 219,000 | $ 109,500 | $ 52,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 405,000 | $ 202,500 | $ 197,000 |
| Roanoke, VA | 2 | $ 183,000 | $ 91,500 | $ 98,000 |
| Rockford, IL | 2 | $ 72,000 | $ 36,000 | $ 37,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 386,000 | $ 193,000 | $ 295,000 |
| San Antonio-New Braunfels, TX | 2 | $ 389,000 | $ 194,500 | $ 65,000 |
| Santa Rosa, CA | 2 | $ 1,838,000 | $ 919,000 | $ 417,000 |
| Tucson, AZ | 2 | $ 548,000 | $ 274,000 | $ 147,000 |
| Albuquerque, NM | 1 | $ 720,000 | $ 720,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 165,000 | $ 165,000 | $ 106,000 |
| Austin-Round Rock, TX | 1 | $ 187,000 | $ 187,000 | $ 53,000 |
| Bay City, MI | 1 | $ 158,000 | $ 158,000 | $ 118,000 |
| Beckley, WV | 1 | $ 56,000 | $ 56,000 | $ 26,000 |
| Birmingham-Hoover, AL | 1 | $ 60,000 | $ 60,000 | $ 25,000 |
| Boulder, CO | 1 | $ 431,000 | $ 431,000 | $ 0 |
| Brownsville-Harlingen, TX | 1 | $ 136,000 | $ 136,000 | $ 315,000 |
| Brunswick, GA | 1 | $ 190,000 | $ 190,000 | $ 79,000 |
| Charleston, WV | 1 | $ 180,000 | $ 180,000 | $ 49,000 |
| Clarksville, TN-KY | 1 | $ 420,000 | $ 420,000 | $ 72,000 |
| Columbus, GA-AL | 1 | $ 133,000 | $ 133,000 | $ 41,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 15,000 | $ 15,000 | $ 20,000 |
| Evansville, IN-KY | 1 | $ 22,000 | $ 22,000 | $ 21,000 |
| Fayetteville, NC | 1 | $ 42,000 | $ 42,000 | $ 31,000 |
| Gainesville, FL | 1 | $ 219,000 | $ 219,000 | $ 93,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 300,000 | $ 300,000 | $ 264,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 219,000 | $ 219,000 | $ 134,000 |
| Huntsville, AL | 1 | $ 219,000 | $ 219,000 | $ 75,000 |
| Jacksonville, NC | 1 | $ 161,000 | $ 161,000 | $ 59,000 |
| Janesville-Beloit, WI | 1 | $ 54,000 | $ 54,000 | $ 33,000 |
| Kansas City, MO-KS | 1 | $ 103,000 | $ 103,000 | $ 169,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 60,000 | $ 60,000 | $ 27,000 |
| Lewiston-Auburn, ME | 1 | $ 48,000 | $ 48,000 | $ 10,000 |
| Lexington-Fayette, KY | 1 | $ 96,000 | $ 96,000 | $ 66,000 |
| Lima, OH | 1 | $ 10,000 | $ 10,000 | $ 35,000 |
| Macon, GA | 1 | $ 98,000 | $ 98,000 | $ 41,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 188,000 | $ 188,000 | $ 66,000 |
| Merced, CA | 1 | $ 243,000 | $ 243,000 | $ 68,000 |
| Midland, MI | 1 | $ 58,000 | $ 58,000 | $ 29,000 |
| Modesto, CA | 1 | $ 502,000 | $ 502,000 | $ 0 |
| Morgantown, WV | 1 | $ 136,000 | $ 136,000 | $ 190,000 |
| Olympia-Tumwater, WA | 1 | $ 168,000 | $ 168,000 | $ 56,000 |
| Owensboro, KY | 1 | $ 242,000 | $ 242,000 | $ 63,000 |
| Peoria, IL | 1 | $ 98,000 | $ 98,000 | $ 48,000 |
| Prescott, AZ | 1 | $ 208,000 | $ 208,000 | $ 112,000 |
| Pueblo, CO | 1 | $ 342,000 | $ 342,000 | $ 95,000 |
| Reno, NV | 1 | $ 274,000 | $ 274,000 | $ 138,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 451,000 | $ 451,000 | $ 0 |
| Springfield, OH | 1 | $ 83,000 | $ 83,000 | $ 62,000 |
| Urban Honolulu, HI | 1 | $ 275,000 | $ 275,000 | $ 75,000 |
| Visalia-Porterville, CA | 1 | $ 219,000 | $ 219,000 | $ 250,000 |
| Wheeling, WV-OH | 1 | $ 277,000 | $ 277,000 | $ 161,000 |
| Yuba City, CA | 1 | $ 270,000 | $ 270,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Citizens Bank, NA in 2014
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 | 14,554 | $2,595,905,000 | $178,000 | $20,000,000 | $106,000 | $7,846,000 |
| Home Purchase | 11,387 | $3,291,867,000 | $289,000 | $40,950,000 | $135,000 | $4,111,000 |
| Home Improvement | 6,915 | $278,473,000 | $40,000 | $40,000,000 | $46,000 | $1,080,000 |
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 | 17,488 | $3,273,549,000 | $187,000 | $5,625,000 | $108,000 | $5,224,000 |
| Not Provided | 9,843 | $1,991,907,000 | $202,000 | $4,000,000 | $118,000 | $7,846,000 |
| Black or African American | 2,811 | $163,167,000 | $58,000 | $1,500,000 | $51,000 | $1,557,000 |
| Hispanic | 1,531 | $155,647,000 | $101,000 | $4,800,000 | $60,000 | $1,266,000 |
| Asian | 843 | $234,286,000 | $277,000 | $3,750,000 | $120,000 | $1,917,000 |
| Not applicable | 225 | $331,693,000 | $1,474,000 | $40,950,000 | $32,000 | $154,000 |
| Native Hawaiian or Other Pacific Islander | 62 | $12,609,000 | $203,000 | $2,080,000 | $122,000 | $1,819,000 |
| American Indian or Alaskan Native | 53 | $3,387,000 | $63,000 | $1,260,000 | $83,000 | $737,000 |
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) | 30,477 | $5,815,174,000 | $190,000 | $40,950,000 | $107,000 | $7,846,000 |
| FHA-insured (Federal Housing Administration) | 1,984 | $279,639,000 | $140,000 | $636,000 | $60,000 | $570,000 |
| VA-guaranteed (Veterans Administration) | 395 | $71,432,000 | $180,000 | $417,000 | $70,000 | $270,000 |
| 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 | 16,848 | $3,670,207,000 | $217,000 | $40,950,000 | $118,000 | $5,221,000 |
| Application Denied By Financial Institution | 8,673 | $810,676,000 | $93,000 | $40,000,000 | $66,000 | $3,606,000 |
| File Closed For Incompleteness | 3,529 | $736,855,000 | $208,000 | $5,625,000 | $115,000 | $2,754,000 |
| Application Withdrawn By Applicant | 1,847 | $470,991,000 | $255,000 | $38,475,000 | $128,000 | $7,846,000 |
| Application Approved But Not Accepted | 1,444 | $365,785,000 | $253,000 | $35,000,000 | $126,000 | $5,224,000 |
| Preapproval Denied by Financial Institution | 304 | $45,607,000 | $150,000 | $975,000 | $54,000 | $476,000 |
| Loan Purchased By The Institution | 211 | $66,124,000 | $313,000 | $1,992,000 | $34,000 | $154,000 |
| 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 | 3,103 | $332,486,000 | $107,000 | $40,000,000 | $54,000 | $3,385,000 |
| Credit History | 2,774 | $152,241,000 | $54,000 | $2,400,000 | $51,000 | $3,606,000 |
| Collateral | 1,316 | $259,125,000 | $196,000 | $2,700,000 | $119,000 | $1,681,000 |
| Other | 1,007 | $33,430,000 | $33,000 | $2,310,000 | $63,000 | $1,080,000 |
| Unverifiable Information | 490 | $29,282,000 | $59,000 | $1,370,000 | $62,000 | $1,048,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 183 | $38,616,000 | $211,000 | $1,988,000 | $95,000 | $1,011,000 |
| Employment History | 70 | $5,366,000 | $76,000 | $900,000 | $53,000 | $331,000 |
| Credit Application Incomplete | 31 | $5,248,000 | $169,000 | $800,000 | $141,000 | $2,094,000 |
| Mortgage Insurance Denied | 3 | $489,000 | $163,000 | $238,000 | $57,000 | $101,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank, NA's 2014 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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