The Cit Group/Consumer Finance Mortgage Lending & HMDA Data, 2003
In 2003, The Cit Group/Consumer Finance of Livingston, NJ reported 98,912 mortgage applications totaling $10.6 billion. The average application was for $107,623, and applicants reported an average income of $62,915. 22% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Houston, TX (4,545), Pittsburgh, PA (2,760) and Denver, CO (2,439) (applications in parentheses).
| Mortgage Company & Address | The Cit Group/Consumer Finance 650 Cit Drive Livingston, NJ 07039 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 98,912 |
| Total Mortgage Loan Application Amount | $10,645,296,000 |
| Average Mortgage Loan Application Amount | $107,623 |
| Highest Mortgage Loan Application Amount | $2,655,000 |
| Average Applicant Income | $62,915 |
| Highest Applicant Income | $8,449,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Cit Group/Consumer Finance filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Houston, TX | 4,545 | $ 482,770,000 | $ 106,220 | $ 83,000 |
| Pittsburgh, PA | 2,760 | $ 214,267,000 | $ 77,632 | $ 50,000 |
| Denver, CO | 2,439 | $ 352,986,000 | $ 144,725 | $ 81,000 |
| Atlanta, GA | 2,432 | $ 332,763,000 | $ 136,826 | $ 70,000 |
| St. Louis, MO-IL | 2,354 | $ 195,889,000 | $ 83,215 | $ 53,000 |
| Detroit, MI | 2,184 | $ 229,695,000 | $ 105,171 | $ 71,000 |
| Dallas, TX | 2,159 | $ 262,135,000 | $ 121,415 | $ 87,000 |
| Chicago, IL | 1,918 | $ 290,111,000 | $ 151,257 | $ 82,000 |
| Los Angeles-Long Beach, CA | 1,827 | $ 338,895,000 | $ 185,492 | $ 134,000 |
| Phoenix-Mesa, AZ | 1,575 | $ 169,390,000 | $ 107,549 | $ 80,000 |
| Columbus, OH | 1,549 | $ 172,537,000 | $ 111,386 | $ 70,000 |
| Indianapolis, IN | 1,340 | $ 123,049,000 | $ 91,827 | $ 68,000 |
| Cincinnati, OH-KY-IN | 1,228 | $ 134,379,000 | $ 109,429 | $ 54,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,214 | $ 121,434,000 | $ 100,028 | $ 56,000 |
| Philadelphia, PA-NJ | 1,177 | $ 131,216,000 | $ 111,483 | $ 59,000 |
| San Antonio, TX | 1,168 | $ 95,886,000 | $ 82,094 | $ 66,000 |
| Orlando, FL | 1,145 | $ 111,812,000 | $ 97,652 | $ 54,000 |
| Oklahoma City, OK | 1,134 | $ 84,918,000 | $ 74,883 | $ 45,000 |
| Oakland, CA | 1,122 | $ 227,151,000 | $ 202,451 | $ 114,000 |
| Louisville, KY-IN | 1,106 | $ 99,188,000 | $ 89,681 | $ 54,000 |
| Las Vegas, NV-AZ | 1,086 | $ 131,778,000 | $ 121,342 | $ 92,000 |
| Austin-San Marcos, TX | 1,059 | $ 133,509,000 | $ 126,070 | $ 106,000 |
| Fort Worth-Arlington, TX | 1,001 | $ 103,429,000 | $ 103,325 | $ 72,000 |
| Cleveland-Lorain-Elyria, OH | 970 | $ 113,069,000 | $ 116,565 | $ 58,000 |
| Kansas City, MO-KS | 912 | $ 82,089,000 | $ 90,009 | $ 54,000 |
| Youngstown-Warren, OH | 873 | $ 71,692,000 | $ 82,121 | $ 48,000 |
| Toledo, OH | 864 | $ 68,751,000 | $ 79,572 | $ 52,000 |
| Raleigh-Durham-Chapel Hill, NC | 851 | $ 98,824,000 | $ 116,126 | $ 62,000 |
| San Diego, CA | 816 | $ 153,524,000 | $ 188,142 | $ 136,000 |
| Riverside-San Bernardino, CA | 774 | $ 119,384,000 | $ 154,242 | $ 101,000 |
| Tulsa, OK | 774 | $ 70,847,000 | $ 91,533 | $ 53,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 740 | $ 77,701,000 | $ 105,001 | $ 51,000 |
| Dayton-Springfield, OH | 702 | $ 60,503,000 | $ 86,186 | $ 53,000 |
| Greensboro--Winston-Salem--High Point, NC | 695 | $ 65,649,000 | $ 94,458 | $ 49,000 |
| Akron, OH | 660 | $ 63,990,000 | $ 96,954 | $ 56,000 |
| Salt Lake City-Ogden, UT | 599 | $ 71,191,000 | $ 118,849 | $ 75,000 |
| Seattle-Bellevue-Everett, WA | 553 | $ 85,397,000 | $ 154,424 | $ 96,000 |
| New Orleans, LA | 551 | $ 51,313,000 | $ 93,127 | $ 62,000 |
| Baltimore, MD | 525 | $ 64,143,000 | $ 122,177 | $ 74,000 |
| Jacksonville, FL | 516 | $ 43,454,000 | $ 84,213 | $ 72,000 |
| Columbia, SC | 512 | $ 42,635,000 | $ 83,271 | $ 49,000 |
| San Francisco, CA | 509 | $ 116,521,000 | $ 228,921 | $ 158,000 |
| Fort Wayne, IN | 492 | $ 42,587,000 | $ 86,558 | $ 46,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 488 | $ 45,384,000 | $ 93,000 | $ 61,000 |
| Charleston-North Charleston, SC | 475 | $ 45,507,000 | $ 95,804 | $ 52,000 |
| Orange County, CA | 423 | $ 92,979,000 | $ 219,808 | $ 159,000 |
| Richmond-Petersburg, VA | 416 | $ 41,982,000 | $ 100,918 | $ 71,000 |
| Sacramento, CA | 415 | $ 66,038,000 | $ 159,127 | $ 95,000 |
| Hickory-Morganton-Lenoir, NC | 406 | $ 35,948,000 | $ 88,541 | $ 44,000 |
| San Jose, CA | 397 | $ 85,798,000 | $ 216,115 | $ 127,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 389 | $ 32,740,000 | $ 84,164 | $ 50,000 |
| Canton-Massillon, OH | 356 | $ 29,220,000 | $ 82,078 | $ 43,000 |
| Tallahassee, FL | 345 | $ 29,885,000 | $ 86,623 | $ 48,000 |
| Tacoma, WA | 319 | $ 41,350,000 | $ 129,623 | $ 89,000 |
| Hamilton-Middletown, OH | 317 | $ 33,121,000 | $ 104,482 | $ 54,000 |
| Greenville-Spartanburg-Anderson, SC | 300 | $ 25,384,000 | $ 84,613 | $ 46,000 |
| Little Rock-North Little Rock, AR | 296 | $ 28,947,000 | $ 97,793 | $ 62,000 |
| Galveston-Texas City, TX | 276 | $ 26,079,000 | $ 94,489 | $ 76,000 |
| Daytona Beach, FL | 272 | $ 23,527,000 | $ 86,496 | $ 47,000 |
| Allentown-Bethlehem-Easton, PA | 263 | $ 26,593,000 | $ 101,114 | $ 49,000 |
| Brazoria, TX | 261 | $ 26,723,000 | $ 102,386 | $ 82,000 |
| Macon, GA | 259 | $ 17,890,000 | $ 69,073 | $ 59,000 |
| Beaumont-Port Arthur, TX | 257 | $ 16,451,000 | $ 64,011 | $ 63,000 |
| Lexington, KY | 251 | $ 24,114,000 | $ 96,071 | $ 55,000 |
| Vallejo-Fairfield-Napa, CA | 249 | $ 47,663,000 | $ 191,417 | $ 106,000 |
| Fayetteville, NC | 248 | $ 21,056,000 | $ 84,903 | $ 59,000 |
| Greeley, CO | 237 | $ 30,501,000 | $ 128,696 | $ 69,000 |
| Stockton-Lodi, CA | 236 | $ 36,882,000 | $ 156,279 | $ 82,000 |
| Colorado Springs, CO | 230 | $ 31,843,000 | $ 138,447 | $ 67,000 |
| Omaha, NE-IA | 228 | $ 20,696,000 | $ 90,771 | $ 81,000 |
| Grand Rapids-Muskegon-Holland, MI | 221 | $ 19,544,000 | $ 88,434 | $ 45,000 |
| Wilmington, NC | 211 | $ 19,123,000 | $ 90,630 | $ 52,000 |
| Minneapolis-St. Paul, MN-WI | 208 | $ 37,478,000 | $ 180,182 | $ 72,000 |
| Newark, NJ | 208 | $ 39,551,000 | $ 190,149 | $ 81,000 |
| Flint, MI | 207 | $ 17,212,000 | $ 83,149 | $ 55,000 |
| McAllen-Edinburg-Mission, TX | 207 | $ 16,091,000 | $ 77,734 | $ 68,000 |
| Terre Haute, IN | 206 | $ 12,749,000 | $ 61,888 | $ 40,000 |
| Florence, SC | 198 | $ 14,406,000 | $ 72,757 | $ 39,000 |
| Hartford, CT | 188 | $ 19,627,000 | $ 104,398 | $ 70,000 |
| Myrtle Beach, SC | 183 | $ 18,611,000 | $ 101,699 | $ 52,000 |
| Sharon, PA | 180 | $ 14,521,000 | $ 80,672 | $ 44,000 |
| Fort Lauderdale, FL | 179 | $ 21,260,000 | $ 118,770 | $ 62,000 |
| Johnstown, PA | 177 | $ 11,913,000 | $ 67,305 | $ 41,000 |
| Evansville-Henderson, IN-KY | 169 | $ 12,289,000 | $ 72,715 | $ 37,000 |
| Asheville, NC | 167 | $ 17,110,000 | $ 102,455 | $ 59,000 |
| Lakeland-Winter Haven, FL | 167 | $ 12,384,000 | $ 74,155 | $ 59,000 |
| Reno, NV | 167 | $ 24,322,000 | $ 145,640 | $ 99,000 |
| Ventura, CA | 167 | $ 33,701,000 | $ 201,802 | $ 143,000 |
| Rocky Mount, NC | 165 | $ 13,468,000 | $ 81,624 | $ 48,000 |
| Greenville, NC | 153 | $ 12,090,000 | $ 79,019 | $ 46,000 |
| Erie, PA | 151 | $ 10,545,000 | $ 69,834 | $ 41,000 |
| Provo-Orem, UT | 148 | $ 16,329,000 | $ 110,331 | $ 82,000 |
| Sumter, SC | 142 | $ 10,299,000 | $ 72,528 | $ 34,000 |
| Killeen-Temple, TX | 141 | $ 10,049,000 | $ 71,269 | $ 59,000 |
| West Palm Beach-Boca Raton, FL | 141 | $ 14,963,000 | $ 106,120 | $ 63,000 |
| Gary, IN | 140 | $ 11,704,000 | $ 83,600 | $ 53,000 |
| Providence-Fall River-Warwick, RI-MA | 138 | $ 20,878,000 | $ 151,289 | $ 66,000 |
| Miami, FL | 135 | $ 19,109,000 | $ 141,548 | $ 111,000 |
| Brownsville-Harlingen-San Benito, TX | 133 | $ 11,015,000 | $ 82,819 | $ 63,000 |
| Wichita Falls, TX | 131 | $ 8,210,000 | $ 62,671 | $ 46,000 |
| Lansing-East Lansing, MI | 130 | $ 13,047,000 | $ 100,361 | $ 58,000 |
| Modesto, CA | 128 | $ 17,352,000 | $ 135,562 | $ 79,000 |
| El Paso, TX | 125 | $ 10,369,000 | $ 82,952 | $ 62,000 |
| Lynchburg, VA | 125 | $ 11,026,000 | $ 88,208 | $ 43,000 |
| Bergen-Passaic, NJ | 123 | $ 29,148,000 | $ 236,975 | $ 92,000 |
| Kokomo, IN | 121 | $ 9,306,000 | $ 76,909 | $ 45,000 |
| South Bend, IN | 120 | $ 9,279,000 | $ 77,325 | $ 55,000 |
| Harrisburg-Lebanon-Carlisle, PA | 117 | $ 10,270,000 | $ 87,777 | $ 48,000 |
| Elkhart-Goshen, IN | 114 | $ 10,352,000 | $ 90,807 | $ 52,000 |
| Ocala, FL | 114 | $ 7,039,000 | $ 61,745 | $ 39,000 |
| Mansfield, OH | 113 | $ 9,796,000 | $ 86,690 | $ 48,000 |
| Danville, VA | 112 | $ 7,754,000 | $ 69,232 | $ 34,000 |
| Lafayette, IN | 112 | $ 9,943,000 | $ 88,776 | $ 52,000 |
| Huntington-Ashland, WV-KY-OH | 111 | $ 7,008,000 | $ 63,135 | $ 35,000 |
| Boulder-Longmont, CO | 108 | $ 18,115,000 | $ 167,731 | $ 90,000 |
| Wilmington-Newark, DE-MD | 108 | $ 12,272,000 | $ 113,629 | $ 63,000 |
| Kalamazoo-Battle Creek, MI | 107 | $ 9,554,000 | $ 89,289 | $ 59,000 |
| Monmouth-Ocean, NJ | 107 | $ 18,071,000 | $ 168,887 | $ 79,000 |
| Roanoke, VA | 106 | $ 8,784,000 | $ 82,867 | $ 46,000 |
| Ann Arbor, MI | 104 | $ 13,869,000 | $ 133,355 | $ 69,000 |
| Sarasota-Bradenton, FL | 104 | $ 11,994,000 | $ 115,326 | $ 57,000 |
| Atlantic-Cape May, NJ | 102 | $ 13,021,000 | $ 127,656 | $ 70,000 |
| Fort Myers-Cape Coral, FL | 102 | $ 10,049,000 | $ 98,519 | $ 50,000 |
| Salinas, CA | 101 | $ 20,073,000 | $ 198,742 | $ 145,000 |
| Fresno, CA | 99 | $ 12,168,000 | $ 122,909 | $ 66,000 |
| Longview-Marshall, TX | 99 | $ 7,156,000 | $ 72,282 | $ 58,000 |
| Bellingham, WA | 98 | $ 12,232,000 | $ 124,816 | $ 65,000 |
| Santa Rosa, CA | 98 | $ 16,398,000 | $ 167,326 | $ 148,000 |
| Portland-Vancouver, OR-WA | 95 | $ 15,036,000 | $ 158,273 | $ 48,000 |
| Fort Collins-Loveland, CO | 92 | $ 16,161,000 | $ 175,663 | $ 82,000 |
| Jacksonville, NC | 91 | $ 6,943,000 | $ 76,296 | $ 48,000 |
| Muncie, IN | 86 | $ 4,975,000 | $ 57,848 | $ 41,000 |
| Melbourne-Titusville-Palm Bay, FL | 83 | $ 7,670,000 | $ 92,409 | $ 62,000 |
| Pensacola, FL | 82 | $ 5,611,000 | $ 68,426 | $ 52,000 |
| Goldsboro, NC | 80 | $ 5,851,000 | $ 73,137 | $ 66,000 |
| Boston, MA-NH | 78 | $ 19,843,000 | $ 254,397 | $ 89,000 |
| Middlesex-Somerset-Hunterdon, NJ | 77 | $ 14,624,000 | $ 189,922 | $ 87,000 |
| Reading, PA | 77 | $ 7,565,000 | $ 98,246 | $ 65,000 |
| Waco, TX | 77 | $ 6,276,000 | $ 81,506 | $ 52,000 |
| Savannah, GA | 73 | $ 7,559,000 | $ 103,547 | $ 53,000 |
| Athens, GA | 70 | $ 6,016,000 | $ 85,942 | $ 40,000 |
| Bridgeport, CT | 70 | $ 9,112,000 | $ 130,171 | $ 67,000 |
| Charleston, WV | 70 | $ 5,271,000 | $ 75,300 | $ 40,000 |
| New Haven-Meriden, CT | 70 | $ 8,332,000 | $ 119,028 | $ 84,000 |
| Saginaw-Bay City-Midland, MI | 68 | $ 5,490,000 | $ 80,735 | $ 39,000 |
| Pueblo, CO | 66 | $ 7,690,000 | $ 116,515 | $ 50,000 |
| Vineland-Millville-Bridgeton, NJ | 66 | $ 6,478,000 | $ 98,151 | $ 55,000 |
| Bakersfield, CA | 63 | $ 6,845,000 | $ 108,650 | $ 100,000 |
| Lima, OH | 62 | $ 4,569,000 | $ 73,693 | $ 48,000 |
| Tucson, AZ | 62 | $ 6,401,000 | $ 103,241 | $ 73,000 |
| Fort Pierce-Port St. Lucie, FL | 61 | $ 5,852,000 | $ 95,934 | $ 45,000 |
| Jackson, MI | 61 | $ 5,457,000 | $ 89,459 | $ 71,000 |
| Owensboro, KY | 61 | $ 4,755,000 | $ 77,950 | $ 88,000 |
| Spokane, WA | 61 | $ 5,671,000 | $ 92,967 | $ 46,000 |
| Lancaster, PA | 60 | $ 6,773,000 | $ 112,883 | $ 98,000 |
| Lincoln, NE | 57 | $ 5,965,000 | $ 104,649 | $ 59,000 |
| Waterbury, CT | 57 | $ 4,542,000 | $ 79,684 | $ 61,000 |
| Bremerton, WA | 56 | $ 7,002,000 | $ 125,035 | $ 76,000 |
| Bloomington, IN | 55 | $ 4,967,000 | $ 90,309 | $ 58,000 |
| Gainesville, FL | 54 | $ 4,045,000 | $ 74,907 | $ 53,000 |
| Jersey City, NJ | 52 | $ 11,552,000 | $ 222,153 | $ 76,000 |
| Danbury, CT | 51 | $ 9,681,000 | $ 189,823 | $ 92,000 |
| Corpus Christi, TX | 49 | $ 4,699,000 | $ 95,897 | $ 56,000 |
| Baton Rouge, LA | 48 | $ 4,886,000 | $ 101,791 | $ 39,000 |
| Lubbock, TX | 48 | $ 4,030,000 | $ 83,958 | $ 77,000 |
| Nashville, TN | 48 | $ 4,408,000 | $ 91,833 | $ 31,000 |
| Augusta-Aiken, GA-SC | 46 | $ 3,582,000 | $ 77,869 | $ 55,000 |
| Yakima, WA | 45 | $ 5,024,000 | $ 111,644 | $ 54,000 |
| Panama City, FL | 43 | $ 3,516,000 | $ 81,767 | $ 57,000 |
| Stamford-Norwalk, CT | 43 | $ 10,507,000 | $ 244,348 | $ 137,000 |
| Rockford, IL | 42 | $ 3,951,000 | $ 94,071 | $ 51,000 |
| Tyler, TX | 42 | $ 3,957,000 | $ 94,214 | $ 69,000 |
| Benton Harbor, MI | 41 | $ 3,313,000 | $ 80,804 | $ 64,000 |
| Lawton, OK | 40 | $ 2,163,000 | $ 54,075 | $ 45,000 |
| York, PA | 40 | $ 3,997,000 | $ 99,925 | $ 51,000 |
| Altoona, PA | 39 | $ 2,585,000 | $ 66,282 | $ 40,000 |
| Fort Walton Beach, FL | 38 | $ 3,181,000 | $ 83,710 | $ 129,000 |
| Olympia, WA | 38 | $ 4,402,000 | $ 115,842 | $ 61,000 |
| Santa Cruz-Watsonville, CA | 38 | $ 7,624,000 | $ 200,631 | $ 148,000 |
| Wichita, KS | 38 | $ 2,543,000 | $ 66,921 | $ 59,000 |
| Knoxville, TN | 37 | $ 3,029,000 | $ 81,864 | $ 34,000 |
| Laredo, TX | 37 | $ 3,862,000 | $ 104,378 | $ 90,000 |
| Amarillo, TX | 36 | $ 2,365,000 | $ 65,694 | $ 52,000 |
| Charlottesville, VA | 36 | $ 4,262,000 | $ 118,388 | $ 55,000 |
| Chattanooga, TN-GA | 36 | $ 2,865,000 | $ 79,583 | $ 33,000 |
| Merced, CA | 36 | $ 5,759,000 | $ 159,972 | $ 68,000 |
| Bryan-College Station, TX | 34 | $ 3,079,000 | $ 90,558 | $ 67,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 34 | $ 7,006,000 | $ 206,058 | $ 229,000 |
| Trenton, NJ | 33 | $ 5,462,000 | $ 165,515 | $ 64,000 |
| Boise City, ID | 32 | $ 3,277,000 | $ 102,406 | $ 52,000 |
| Columbus, GA-AL | 32 | $ 2,389,000 | $ 74,656 | $ 35,000 |
| Steubenville-Weirton, OH-WV | 31 | $ 1,987,000 | $ 64,096 | $ 39,000 |
| Fayetteville-Springdale-Rogers, AR | 30 | $ 3,778,000 | $ 125,933 | $ 59,000 |
| Grand Junction, CO | 30 | $ 4,033,000 | $ 134,433 | $ 64,000 |
| Shreveport-Bossier City, LA | 30 | $ 2,222,000 | $ 74,066 | $ 35,000 |
| Visalia-Tulare-Porterville, CA | 30 | $ 3,126,000 | $ 104,200 | $ 75,000 |
| Albany, GA | 28 | $ 2,793,000 | $ 99,750 | $ 49,000 |
| Richland-Kennewick-Pasco, WA | 28 | $ 3,387,000 | $ 120,964 | $ 70,000 |
| Albuquerque, NM | 27 | $ 2,827,000 | $ 104,703 | $ 50,000 |
| Naples, FL | 27 | $ 4,025,000 | $ 149,074 | $ 115,000 |
| State College, PA | 27 | $ 2,055,000 | $ 76,111 | $ 54,000 |
| Williamsport, PA | 27 | $ 2,239,000 | $ 82,925 | $ 44,000 |
| Worcester, MA-CT | 27 | $ 3,316,000 | $ 122,814 | $ 81,000 |
| Enid, OK | 26 | $ 1,336,000 | $ 51,384 | $ 37,000 |
| Odessa-Midland, TX | 26 | $ 1,331,000 | $ 51,192 | $ 56,000 |
| Redding, CA | 25 | $ 2,145,000 | $ 85,800 | $ 80,000 |
| Dover, DE | 24 | $ 2,506,000 | $ 104,416 | $ 68,000 |
| Kankakee, IL | 24 | $ 1,615,000 | $ 67,291 | $ 51,000 |
| Memphis, TN-AR-MS | 24 | $ 2,621,000 | $ 109,208 | $ 42,000 |
| Topeka, KS | 24 | $ 1,672,000 | $ 69,666 | $ 36,000 |
| Wheeling, WV-OH | 24 | $ 2,149,000 | $ 89,541 | $ 64,000 |
| Des Moines, IA | 23 | $ 2,355,000 | $ 102,391 | $ 35,000 |
| Salem, OR | 23 | $ 2,482,000 | $ 107,913 | $ 32,000 |
| Cheyenne, WY | 22 | $ 2,709,000 | $ 123,136 | $ 56,000 |
| Sherman-Denison, TX | 22 | $ 1,855,000 | $ 84,318 | $ 59,000 |
| Punta Gorda, FL | 20 | $ 1,526,000 | $ 76,300 | $ 43,000 |
| St. Joseph, MO | 20 | $ 1,448,000 | $ 72,400 | $ 40,000 |
| Chico-Paradise, CA | 19 | $ 2,431,000 | $ 127,947 | $ 76,000 |
| Eugene-Springfield, OR | 19 | $ 2,413,000 | $ 127,000 | $ 16,000 |
| Milwaukee-Waukesha, WI | 19 | $ 1,840,000 | $ 96,842 | $ 25,000 |
| Parkersburg-Marietta, WV-OH | 19 | $ 1,503,000 | $ 79,105 | $ 42,000 |
| Yolo, CA | 19 | $ 3,316,000 | $ 174,526 | $ 117,000 |
| Houma, LA | 18 | $ 1,575,000 | $ 87,500 | $ 44,000 |
| Victoria, TX | 18 | $ 994,000 | $ 55,222 | $ 59,000 |
| Washington, DC-MD-VA-WV | 18 | $ 3,222,000 | $ 179,000 | $ 40,000 |
| Brockton, MA | 17 | $ 3,962,000 | $ 233,058 | $ 42,000 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 15 | $ 3,494,000 | $ 232,933 | $ 77,000 |
| Abilene, TX | 14 | $ 1,135,000 | $ 81,071 | $ 50,000 |
| Columbia, MO | 14 | $ 1,045,000 | $ 74,642 | $ 41,000 |
| Lawrence, MA-NH | 14 | $ 2,510,000 | $ 179,285 | $ 79,000 |
| Springfield, MA | 14 | $ 1,338,000 | $ 95,571 | $ 80,000 |
| Springfield, MO | 14 | $ 1,425,000 | $ 101,785 | $ 55,000 |
| Yuba City, CA | 13 | $ 1,713,000 | $ 131,769 | $ 38,000 |
| Fort Smith, AR-OK | 12 | $ 1,164,000 | $ 97,000 | $ 66,000 |
| Hagerstown, MD | 12 | $ 1,278,000 | $ 106,500 | $ 54,000 |
| Pine Bluff, AR | 12 | $ 817,000 | $ 68,083 | $ 49,000 |
| Davenport-Moline-Rock Island, IA-IL | 11 | $ 957,000 | $ 87,000 | $ 44,000 |
| Lawrence, KS | 11 | $ 1,679,000 | $ 152,636 | $ 64,000 |
| Champaign-Urbana, IL | 10 | $ 794,000 | $ 79,400 | $ 34,000 |
| Duluth-Superior, MN-WI | 10 | $ 878,000 | $ 87,800 | $ 37,000 |
| Texarkana, TX-AR | 10 | $ 523,000 | $ 52,300 | $ 41,000 |
| Casper, WY | 9 | $ 852,000 | $ 94,666 | $ 39,000 |
| Joplin, MO | 9 | $ 759,000 | $ 84,333 | $ 39,000 |
| Peoria-Pekin, IL | 9 | $ 612,000 | $ 68,000 | $ 40,000 |
| Decatur, IL | 8 | $ 404,000 | $ 50,500 | $ 44,000 |
| Johnson City-Kingsport-Bristol, TN-VA | 8 | $ 542,000 | $ 67,750 | $ 8,000 |
| New London-Norwich, CT-RI | 8 | $ 1,016,000 | $ 127,000 | $ 41,000 |
| Bloomington-Normal, IL | 7 | $ 527,000 | $ 75,285 | $ 34,000 |
| Clarksville-Hopkinsville, TN-KY | 7 | $ 470,000 | $ 67,142 | $ 34,000 |
| Kenosha, WI | 7 | $ 668,000 | $ 95,428 | $ 29,000 |
| Lafayette, LA | 7 | $ 715,000 | $ 102,142 | $ 79,000 |
| Racine, WI | 7 | $ 681,000 | $ 97,285 | $ 50,000 |
| Billings, MT | 6 | $ 739,000 | $ 123,166 | $ 46,000 |
| Cedar Rapids, IA | 6 | $ 569,000 | $ 94,833 | $ 60,000 |
| Cumberland, MD-WV | 6 | $ 492,000 | $ 82,000 | $ 36,000 |
| Portsmouth-Rochester, NH-ME | 6 | $ 857,000 | $ 142,833 | $ 58,000 |
| San Angelo, TX | 6 | $ 576,000 | $ 96,000 | $ 41,000 |
| Springfield, IL | 6 | $ 456,000 | $ 76,000 | $ 39,000 |
| Barnstable-Yarmouth, MA | 5 | $ 1,529,000 | $ 305,800 | $ 233,000 |
| Biloxi-Gulfport-Pascagoula, MS | 5 | $ 305,000 | $ 61,000 | $ 10,000 |
| Birmingham, AL | 5 | $ 624,000 | $ 124,800 | $ 43,000 |
| Flagstaff, AZ-UT | 5 | $ 1,073,000 | $ 214,600 | $ 83,000 |
| Jackson, MS | 5 | $ 373,000 | $ 74,600 | $ 25,000 |
| Lowell, MA-NH | 5 | $ 843,000 | $ 168,600 | $ 96,000 |
| Jonesboro, AR | 4 | $ 407,000 | $ 101,750 | $ 42,000 |
| Manchester, NH | 4 | $ 626,000 | $ 156,500 | $ 43,000 |
| Mobile, AL | 4 | $ 418,000 | $ 104,500 | $ 89,000 |
| Nashua, NH | 4 | $ 629,000 | $ 157,250 | $ 33,000 |
| Rochester, MN | 4 | $ 773,000 | $ 193,250 | $ 77,000 |
| Santa Fe, NM | 4 | $ 365,000 | $ 91,250 | $ 81,000 |
| Jackson, TN | 3 | $ 326,000 | $ 108,666 | $ 86,000 |
| La Crosse, WI-MN | 3 | $ 531,000 | $ 177,000 | $ 78,000 |
| Lake Charles, LA | 3 | $ 136,000 | $ 45,333 | $ 37,000 |
| Madison, WI | 3 | $ 402,000 | $ 134,000 | $ 105,000 |
| Montgomery, AL | 3 | $ 175,000 | $ 58,333 | $ 60,000 |
| New Bedford, MA | 3 | $ 699,000 | $ 233,000 | $ 21,000 |
| Sioux City, IA-NE | 3 | $ 163,000 | $ 54,333 | $ 45,000 |
| Waterloo-Cedar Falls, IA | 3 | $ 200,000 | $ 66,666 | $ 29,000 |
| Yuma, AZ | 3 | $ 185,000 | $ 61,666 | $ 45,000 |
| Appleton-Oshkosh-Neenah, WI | 2 | $ 235,000 | $ 117,500 | $ 0 |
| Fitchburg-Leominster, MA | 2 | $ 312,000 | $ 156,000 | $ 37,000 |
| Janesville-Beloit, WI | 2 | $ 201,000 | $ 100,500 | $ 64,000 |
| Medford-Ashland, OR | 2 | $ 176,000 | $ 88,000 | $ 28,000 |
| Missoula, MT | 2 | $ 239,000 | $ 119,500 | $ 24,000 |
| Monroe, LA | 2 | $ 113,000 | $ 56,500 | $ 50,000 |
| Wausau, WI | 2 | $ 107,000 | $ 53,500 | $ 54,000 |
| Alexandria, LA | 1 | $ 204,000 | $ 204,000 | $ 120,000 |
| Anniston, AL | 1 | $ 110,000 | $ 110,000 | $ 41,000 |
| Dothan, AL | 1 | $ 55,000 | $ 55,000 | $ 22,000 |
| Eau Claire, WI | 1 | $ 100,000 | $ 100,000 | $ 39,000 |
| Fargo-Moorhead, ND-MN | 1 | $ 152,000 | $ 152,000 | $ 52,000 |
| Florence, AL | 1 | $ 66,000 | $ 66,000 | $ 25,000 |
| Gadsden, AL | 1 | $ 105,000 | $ 105,000 | $ 46,000 |
| Great Falls, MT | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Green Bay, WI | 1 | $ 109,000 | $ 109,000 | $ 84,000 |
| Huntsville, AL | 1 | $ 77,000 | $ 77,000 | $ 23,000 |
| Iowa City, IA | 1 | $ 60,000 | $ 60,000 | $ 62,000 |
| Las Cruces, NM | 1 | $ 86,000 | $ 86,000 | $ 84,000 |
| Lewiston-Auburn, ME | 1 | $ 135,000 | $ 135,000 | $ 0 |
| New York, NY | 1 | $ 181,000 | $ 181,000 | $ 57,000 |
| Portland, ME | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Sheboygan, WI | 1 | $ 171,000 | $ 171,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for The Cit Group/Consumer Finance in 2003
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 (home purchase or home improvement, one-to-four family) | 62,172 | $6,918,372,000 | $124,000 | $2,275,000 | $51,510 | $8,449,000 |
| Home Purchase (one-to-four family) | 23,093 | $2,268,719,000 | $101,250 | $2,655,000 | $73,863 | $2,880,000 |
| Home Improvement (one-to-four family) | 13,647 | $1,458,205,000 | $114,697 | $1,721,000 | $72,581 | $3,600,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 39,249 | $4,228,760,000 | $126,466 | $2,655,000 | $63,600 | $8,449,000 |
| Information not provided by applicant in mail or telephone application | 36,828 | $3,882,199,000 | $116,244 | $2,275,000 | $60,326 | $4,800,000 |
| Black | 12,347 | $1,172,595,000 | $101,025 | $1,431,000 | $55,475 | $1,880,000 |
| Hispanic | 6,874 | $812,960,000 | $110,075 | $1,750,000 | $53,750 | $2,100,000 |
| Asian or Pacific Islander | 1,516 | $260,261,000 | $153,187 | $1,440,000 | $82,906 | $2,292,000 |
| Other | 1,036 | $135,049,000 | $123,794 | $1,032,000 | $67,264 | $960,000 |
| Not applicable | 843 | $131,186,000 | $129,595 | $721,000 | $309 | $138,000 |
| American Indian or Alaskan Native | 219 | $22,286,000 | $111,153 | $694,000 | $63,692 | $448,000 |
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) | 98,912 | $10,645,296,000 | $119,551 | $2,655,000 | $57,836 | $8,449,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 |
|---|---|---|---|---|---|---|
| Application Approved But Not Accepted | 36,906 | $3,661,577,000 | $104,674 | $739,000 | $66,441 | $2,011,000 |
| Loan Originated | 22,122 | $2,320,766,000 | $106,904 | $925,000 | $69,214 | $2,088,000 |
| Application Denied By Financial Institution | 18,662 | $1,906,933,000 | $114,711 | $2,655,000 | $66,044 | $4,200,000 |
| Application Withdrawn By Applicant | 17,088 | $2,085,356,000 | $128,702 | $2,275,000 | $76,085 | $8,449,000 |
| Loan Purchased By The Institution | 4,134 | $670,664,000 | $135,782 | $721,000 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Cit Group/Consumer Finance's 2003 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 The Cit Group/Consumer Finance'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 New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.
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