The Cit Group/Consumer Finance
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
The Cit Group/Consumer Finance 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 3,287 |
| Total Mortgage Loan Application Amount | $279,938,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $1,142,000 |
| Average Applicant Income | $254,227 |
| Highest Applicant Income | $4,493,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with The Cit Group/Consumer Finance. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing The Cit Group/Consumer Finance's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down The Cit Group/Consumer Finance's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how The Cit Group/Consumer Finance serves its applicants.
Each category highlights the total number of mortgage applications processed by The Cit Group/Consumer Finance, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at The Cit Group/Consumer Finance's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hamilton County Tennessee | 389 | $ 33,049,000 | $ 84,000 | $ 49,000 |
| Davidson County Tennessee | 353 | $ 35,215,000 | $ 99,000 | $ 67,000 |
| Knox County Tennessee | 230 | $ 21,637,000 | $ 94,000 | $ 58,000 |
| Bradley County Tennessee | 136 | $ 11,240,000 | $ 82,000 | $ 44,000 |
| Sevier County Tennessee | 110 | $ 11,814,000 | $ 107,000 | $ 87,000 |
| Blount County Tennessee | 106 | $ 9,510,000 | $ 89,000 | $ 48,000 |
| Sumner County Tennessee | 104 | $ 10,170,000 | $ 97,000 | $ 49,000 |
| Rutherford County Tennessee | 98 | $ 9,402,000 | $ 95,000 | $ 60,000 |
| Wilson County Tennessee | 82 | $ 8,363,000 | $ 101,000 | $ 55,000 |
| Anderson County Tennessee | 76 | $ 5,907,000 | $ 77,000 | $ 43,000 |
| Roane County Tennessee | 72 | $ 4,928,000 | $ 68,000 | $ 45,000 |
| Jefferson County Tennessee | 71 | $ 5,786,000 | $ 81,000 | $ 53,000 |
| Shelby County Tennessee | 64 | $ 4,760,000 | $ 74,000 | $ 85,000 |
| Robertson County Tennessee | 62 | $ 6,340,000 | $ 102,000 | $ 47,000 |
| Dickson County Tennessee | 58 | $ 4,782,000 | $ 82,000 | $ 43,000 |
| Cheatham County Tennessee | 46 | $ 3,955,000 | $ 85,000 | $ 50,000 |
| Greene County Tennessee | 43 | $ 3,170,000 | $ 73,000 | $ 46,000 |
| McMinn County Tennessee | 43 | $ 2,629,000 | $ 61,000 | $ 44,000 |
| Williamson County Tennessee | 43 | $ 5,919,000 | $ 137,000 | $ 133,000 |
| Maury County Tennessee | 42 | $ 3,569,000 | $ 84,000 | $ 42,000 |
| Cocke County Tennessee | 41 | $ 2,561,000 | $ 62,000 | $ 36,000 |
| Hawkins County Tennessee | 41 | $ 3,356,000 | $ 81,000 | $ 39,000 |
| Monroe County Tennessee | 40 | $ 3,184,000 | $ 79,000 | $ 50,000 |
| Montgomery County Tennessee | 40 | $ 3,092,000 | $ 77,000 | $ 36,000 |
| Hamblen County Tennessee | 39 | $ 3,084,000 | $ 79,000 | $ 43,000 |
| Loudon County Tennessee | 39 | $ 2,730,000 | $ 70,000 | $ 49,000 |
| Campbell County Tennessee | 38 | $ 2,056,000 | $ 54,000 | $ 34,000 |
| Humphreys County Tennessee | 35 | $ 2,383,000 | $ 68,000 | $ 47,000 |
| Cumberland County Tennessee | 34 | $ 2,094,000 | $ 61,000 | $ 38,000 |
| Sullivan County Tennessee | 34 | $ 2,735,000 | $ 80,000 | $ 42,000 |
| Lawrence County Tennessee | 31 | $ 2,340,000 | $ 75,000 | $ 38,000 |
| Claiborne County Tennessee | 30 | $ 1,695,000 | $ 56,000 | $ 33,000 |
| Rhea County Tennessee | 29 | $ 1,869,000 | $ 64,000 | $ 36,000 |
| Washington County Tennessee | 27 | $ 2,126,000 | $ 78,000 | $ 43,000 |
| Bedford County Tennessee | 24 | $ 1,883,000 | $ 78,000 | $ 42,000 |
| Coffee County Tennessee | 21 | $ 1,648,000 | $ 78,000 | $ 39,000 |
| Union County Tennessee | 21 | $ 1,530,000 | $ 72,000 | $ 72,000 |
| Giles County Tennessee | 18 | $ 1,234,000 | $ 68,000 | $ 55,000 |
| Hickman County Tennessee | 18 | $ 1,217,000 | $ 67,000 | $ 45,000 |
| Marshall County Tennessee | 18 | $ 1,590,000 | $ 88,000 | $ 50,000 |
| Smith County Tennessee | 18 | $ 1,293,000 | $ 71,000 | $ 37,000 |
| Carter County Tennessee | 17 | $ 1,200,000 | $ 70,000 | $ 48,000 |
| Marion County Tennessee | 17 | $ 1,175,000 | $ 69,000 | $ 49,000 |
| Polk County Tennessee | 17 | $ 1,441,000 | $ 84,000 | $ 48,000 |
| Grainger County Tennessee | 15 | $ 1,017,000 | $ 67,000 | $ 34,000 |
| Scott County Tennessee | 14 | $ 931,000 | $ 66,000 | $ 46,000 |
| Warren County Tennessee | 14 | $ 850,000 | $ 60,000 | $ 35,000 |
| Lincoln County Tennessee | 13 | $ 753,000 | $ 57,000 | $ 36,000 |
| Meigs County Tennessee | 12 | $ 760,000 | $ 63,000 | $ 30,000 |
| Madison County Tennessee | 11 | $ 734,000 | $ 66,000 | $ 60,000 |
| Putnam County Tennessee | 11 | $ 822,000 | $ 74,000 | $ 35,000 |
| Catoosa County Georgia | 10 | $ 986,000 | $ 98,000 | $ 55,000 |
| Macon County Tennessee | 10 | $ 718,000 | $ 71,000 | $ 47,000 |
| Stewart County Tennessee | 10 | $ 973,000 | $ 97,000 | $ 154,000 |
| Cannon County Tennessee | 9 | $ 783,000 | $ 87,000 | $ 49,000 |
| DeKalb County Tennessee | 9 | $ 855,000 | $ 95,000 | $ 56,000 |
| Franklin County Tennessee | 9 | $ 660,000 | $ 73,000 | $ 40,000 |
| Gibson County Tennessee | 9 | $ 548,000 | $ 60,000 | $ 31,000 |
| Sequatchie County Tennessee | 9 | $ 860,000 | $ 95,000 | $ 45,000 |
| Tipton County Tennessee | 9 | $ 633,000 | $ 70,000 | $ 43,000 |
| Walker County Georgia | 8 | $ 703,000 | $ 87,000 | $ 41,000 |
| Benton County Tennessee | 8 | $ 811,000 | $ 101,000 | $ 58,000 |
| Johnson County Tennessee | 8 | $ 946,000 | $ 118,000 | $ 135,000 |
| Trousdale County Tennessee | 8 | $ 537,000 | $ 67,000 | $ 44,000 |
| White County Tennessee | 8 | $ 431,000 | $ 53,000 | $ 28,000 |
| Fayette County Tennessee | 7 | $ 458,000 | $ 65,000 | $ 33,000 |
| Bledsoe County Tennessee | 6 | $ 470,000 | $ 78,000 | $ 67,000 |
| Hancock County Tennessee | 6 | $ 401,000 | $ 66,000 | $ 43,000 |
| Lewis County Tennessee | 6 | $ 446,000 | $ 74,000 | $ 38,000 |
| Henderson County Tennessee | 5 | $ 294,000 | $ 58,000 | $ 36,000 |
| Morgan County Tennessee | 5 | $ 328,000 | $ 65,000 | $ 55,000 |
| Pickett County Tennessee | 5 | $ 345,000 | $ 69,000 | $ 49,000 |
| Whitfield County Georgia | 4 | $ 458,000 | $ 114,000 | $ 44,000 |
| Carroll County Tennessee | 3 | $ 212,000 | $ 70,000 | $ 39,000 |
| Chester County Tennessee | 3 | $ 161,000 | $ 53,000 | $ 37,000 |
| Clay County Tennessee | 3 | $ 181,000 | $ 60,000 | $ 40,000 |
| Henry County Tennessee | 3 | $ 235,000 | $ 78,000 | $ 26,000 |
| Houston County Tennessee | 3 | $ 176,000 | $ 58,000 | $ 30,000 |
| Overton County Tennessee | 3 | $ 186,000 | $ 62,000 | $ 40,000 |
| Perry County Tennessee | 3 | $ 138,000 | $ 46,000 | $ 43,000 |
| Unicoi County Tennessee | 3 | $ 178,000 | $ 59,000 | $ 20,000 |
| Wayne County Tennessee | 3 | $ 145,000 | $ 48,000 | $ 21,000 |
| Murray County Georgia | 2 | $ 174,000 | $ 87,000 | $ 41,000 |
| Clark County Indiana | 2 | $ 152,000 | $ 76,000 | $ 48,000 |
| Christian County Kentucky | 2 | $ 100,000 | $ 50,000 | $ 18,000 |
| Muhlenberg County Kentucky | 2 | $ 76,000 | $ 38,000 | $ 30,000 |
| Ohio County Kentucky | 2 | $ 90,000 | $ 45,000 | $ 52,000 |
| Simpson County Kentucky | 2 | $ 144,000 | $ 72,000 | $ 46,000 |
| Crockett County Tennessee | 2 | $ 99,000 | $ 49,000 | $ 23,000 |
| Fentress County Tennessee | 2 | $ 136,000 | $ 68,000 | $ 29,000 |
| Grundy County Tennessee | 2 | $ 201,000 | $ 100,000 | $ 39,000 |
| Hardeman County Tennessee | 2 | $ 182,000 | $ 91,000 | $ 27,000 |
| Lauderdale County Tennessee | 2 | $ 131,000 | $ 65,000 | $ 55,000 |
| McNairy County Tennessee | 2 | $ 102,000 | $ 51,000 | $ 30,000 |
| Obion County Tennessee | 2 | $ 167,000 | $ 83,000 | $ 29,000 |
| Washington County Virginia | 2 | $ 517,000 | $ 258,000 | $ 59,000 |
| Crittenden County Arkansas | 1 | $ 30,000 | $ 30,000 | $ 120,000 |
| Denver County Colorado | 1 | $ 86,000 | $ 86,000 | $ 4,493,000 |
| Broward County Florida | 1 | $ 195,000 | $ 195,000 | $ 54,000 |
| Carroll County Georgia | 1 | $ 116,000 | $ 116,000 | $ 44,000 |
| Dade County Georgia | 1 | $ 65,000 | $ 65,000 | $ 57,000 |
| Paulding County Georgia | 1 | $ 100,000 | $ 100,000 | $ 31,000 |
| Rockdale County Georgia | 1 | $ 211,000 | $ 211,000 | $ 127,000 |
| Marion County Indiana | 1 | $ 138,000 | $ 138,000 | $ 36,000 |
| Owen County Indiana | 1 | $ 60,000 | $ 60,000 | $ 38,000 |
| Allen County Kentucky | 1 | $ 60,000 | $ 60,000 | $ 69,000 |
| Graves County Kentucky | 1 | $ 66,000 | $ 66,000 | $ 40,000 |
| Hardin County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Jefferson County Kentucky | 1 | $ 92,000 | $ 92,000 | $ 46,000 |
| Letcher County Kentucky | 1 | $ 80,000 | $ 80,000 | $ 46,000 |
| Logan County Kentucky | 1 | $ 47,000 | $ 47,000 | $ 45,000 |
| Monroe County Kentucky | 1 | $ 64,000 | $ 64,000 | $ 34,000 |
| Oldham County Kentucky | 1 | $ 68,000 | $ 68,000 | $ 48,000 |
| Todd County Kentucky | 1 | $ 61,000 | $ 61,000 | $ 45,000 |
| Warren County Kentucky | 1 | $ 90,000 | $ 90,000 | $ 24,000 |
| Prince George's County Maryland | 1 | $ 180,000 | $ 180,000 | $ 78,000 |
| Douglas County Minnesota | 1 | $ 84,000 | $ 84,000 | $ 44,000 |
| DeSoto County Mississippi | 1 | $ 88,000 | $ 88,000 | $ 30,000 |
| Sunflower County Mississippi | 1 | $ 30,000 | $ 30,000 | $ 31,000 |
| Warren County Mississippi | 1 | $ 84,000 | $ 84,000 | $ 60,000 |
| Surry County North Carolina | 1 | $ 63,000 | $ 63,000 | $ 22,000 |
| Butler County Ohio | 1 | $ 111,000 | $ 111,000 | $ 46,000 |
| Hamilton County Ohio | 1 | $ 64,000 | $ 64,000 | $ 36,000 |
| Decatur County Tennessee | 1 | $ 64,000 | $ 64,000 | $ 27,000 |
| Dyer County Tennessee | 1 | $ 69,000 | $ 69,000 | $ 80,000 |
| Hardin County Tennessee | 1 | $ 47,000 | $ 47,000 | $ 18,000 |
| Jackson County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| Weakley County Tennessee | 1 | $ 54,000 | $ 54,000 | $ 19,000 |
| Bristol County Virginia | 1 | $ 136,000 | $ 136,000 | $ 31,000 |
| Fairfax County Virginia | 1 | $ 340,000 | $ 340,000 | $ 130,000 |
| Scott County Virginia | 1 | $ 72,000 | $ 72,000 | $ 30,000 |
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) | 2,187 | $191,219,000 | $100,333 | $1,142,000 | $46,500 | $912,000 |
| Home Purchase (one-to-four family) | 732 | $58,586,000 | $103,000 | $550,000 | $63,571 | $780,000 |
| Home Improvement (one-to-four family) | 368 | $30,133,000 | $84,333 | $468,000 | $1,530,000 | $4,493,000 |
| 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 | 1,885 | $157,538,000 | $111,000 | $1,142,000 | $56,571 | $768,000 |
| Information not provided by applicant in mail or telephone application | 1,068 | $94,469,000 | $102,181 | $926,000 | $46,818 | $912,000 |
| Black | 291 | $23,883,000 | $49,500 | $243,000 | $61,500 | $461,000 |
| Other | 19 | $1,849,000 | $103,000 | $182,000 | $50,666 | $216,000 |
| Hispanic | 14 | $1,301,000 | $85,333 | $189,000 | $1,521,666 | $4,493,000 |
| Asian or Pacific Islander | 8 | $754,000 | $94,000 | $240,000 | $56,000 | $120,000 |
| American Indian or Alaskan Native | 2 | $144,000 | $72,000 | $73,000 | $44,000 | $62,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 3,287 | $279,938,000 | $100,428 | $1,142,000 | $370,714 | $4,493,000 |
| 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 | 1,161 | $98,359,000 | $66,000 | $492,000 | $51,333 | $702,000 |
| Application Denied By Financial Institution | 880 | $69,208,000 | $76,000 | $517,000 | $36,625 | $480,000 |
| Loan Originated | 698 | $57,115,000 | $81,000 | $400,000 | $51,000 | $768,000 |
| Application Withdrawn By Applicant | 548 | $55,256,000 | $105,785 | $1,142,000 | $372,428 | $4,493,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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.