The Cit Group/Consumer Finance Mortgage Lending & HMDA Data, 2007

In 2007, The Cit Group/Consumer Finance of Livingston, NJ reported 50,943 mortgage applications totaling $8.1 billion, down 43% from 2006. The average application was for $159,811, and applicants reported an average income of $81,173. 24% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (4,198), Chicago-Naperville-Joliet, IL (3,419) and Phoenix-Mesa-Scottsdale, AZ (1,666) (applications in parentheses).

Mortgage Company & Address The Cit Group/Consumer Finance
1 Cit Drive
Livingston, NJ 07039
Tel #: available with data download
Federal Regulator * available with data download
Years 2007  2006  2005  2004  
Total Number of Mortgage Applications 50,943
Total Mortgage Loan Application Amount $8,141,265,000
Average Mortgage Loan Application Amount $159,811
Highest Mortgage Loan Application Amount $12,350,000
Average Applicant Income $81,173
Highest Applicant Income $7,562,000

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records The Cit Group/Consumer Finance filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for The Cit Group/Consumer Finance by County in 2007

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Harris, Texas 3,102 $ 354,873,000 $ 114,401 $ 83,000
Cook, Illinois 2,835 $ 566,035,000 $ 199,659 $ 87,000
Maricopa, Arizona 1,567 $ 238,560,000 $ 152,239 $ 69,000
Los Angeles, California 1,318 $ 425,426,000 $ 322,781 $ 122,000
Bexar, Texas 1,065 $ 98,277,000 $ 92,278 $ 67,000
Wayne, Michigan 976 $ 93,766,000 $ 96,071 $ 58,000
Dallas, Texas 913 $ 97,943,000 $ 107,276 $ 76,000
Clark, Nevada 912 $ 185,106,000 $ 202,967 $ 89,000
St. Louis, Missouri 660 $ 69,797,000 $ 105,753 $ 62,000
El Paso, Texas 641 $ 59,987,000 $ 93,583 $ 61,000
Miami-Dade, Florida 552 $ 129,015,000 $ 233,722 $ 122,000
Riverside, California 516 $ 150,695,000 $ 292,044 $ 117,000
Fort Bend, Texas 511 $ 67,578,000 $ 132,246 $ 84,000
Broward, Florida 503 $ 101,083,000 $ 200,960 $ 90,000
San Bernardino, California 498 $ 119,195,000 $ 239,347 $ 97,000
Allegheny, Pennsylvania 461 $ 40,408,000 $ 87,652 $ 68,000
Tarrant, Texas 454 $ 51,672,000 $ 113,814 $ 78,000
St. Louis City, Missouri 441 $ 42,636,000 $ 96,680 $ 60,000
Franklin, Ohio 411 $ 47,810,000 $ 116,326 $ 72,000
Salt Lake, Utah 409 $ 60,015,000 $ 146,735 $ 63,000
San Diego, California 399 $ 119,396,000 $ 299,238 $ 113,000
Fulton, Georgia 379 $ 68,070,000 $ 179,604 $ 87,000
Marion, Indiana 369 $ 34,084,000 $ 92,368 $ 81,000
Hamilton, Ohio 365 $ 41,679,000 $ 114,189 $ 61,000
Oklahoma, Oklahoma 362 $ 33,086,000 $ 91,397 $ 63,000
Prince George's, Maryland 354 $ 95,988,000 $ 271,152 $ 81,000
Jackson, Missouri 349 $ 32,790,000 $ 93,954 $ 55,000
Hillsborough, Florida 325 $ 54,699,000 $ 168,304 $ 91,000
Jefferson, Kentucky 312 $ 29,209,000 $ 93,618 $ 59,000
Essex, New Jersey 300 $ 87,217,000 $ 290,723 $ 99,000
Orange, Florida 299 $ 55,587,000 $ 185,909 $ 99,000
Mecklenburg, North Carolina 285 $ 41,607,000 $ 145,989 $ 135,000
Hidalgo, Texas 284 $ 27,652,000 $ 97,366 $ 71,000
Philadelphia, Pennsylvania 278 $ 31,334,000 $ 112,712 $ 62,000
Travis, Texas 276 $ 44,715,000 $ 162,010 $ 102,000
Palm Beach, Florida 274 $ 54,263,000 $ 198,040 $ 102,000
Baltimore City, Maryland 261 $ 31,225,000 $ 119,636 $ 75,000
Denver, Colorado 254 $ 37,481,000 $ 147,562 $ 74,000
Tulsa, Oklahoma 250 $ 26,989,000 $ 107,956 $ 82,000
Cuyahoga, Ohio 247 $ 25,799,000 $ 104,449 $ 80,000
DeKalb, Georgia 231 $ 36,867,000 $ 159,597 $ 79,000
Alameda, California 227 $ 83,060,000 $ 365,903 $ 139,000
Gwinnett, Georgia 221 $ 36,567,000 $ 165,461 $ 81,000
Contra Costa, California 217 $ 74,149,000 $ 341,700 $ 132,000
Montgomery, Texas 214 $ 33,757,000 $ 157,742 $ 103,000
Will, Illinois 210 $ 45,231,000 $ 215,385 $ 90,000
Lucas, Ohio 202 $ 17,596,000 $ 87,108 $ 87,000
Sacramento, California 201 $ 44,948,000 $ 223,621 $ 90,000
Baltimore, Maryland 197 $ 43,277,000 $ 219,680 $ 70,000
Summit, Ohio 191 $ 18,125,000 $ 94,895 $ 66,000
Collin, Texas 191 $ 29,493,000 $ 154,413 $ 110,000
Ventura, California 188 $ 60,210,000 $ 320,265 $ 120,000
Oakland, Michigan 187 $ 47,114,000 $ 251,946 $ 93,000
Adams, Colorado 186 $ 25,156,000 $ 135,247 $ 106,000
Montgomery, Ohio 185 $ 18,025,000 $ 97,432 $ 74,000
Galveston, Texas 178 $ 21,719,000 $ 122,016 $ 89,000
Lee, Florida 175 $ 30,872,000 $ 176,411 $ 93,000
San Joaquin, California 174 $ 46,137,000 $ 265,155 $ 100,000
Duval, Florida 173 $ 25,058,000 $ 144,843 $ 67,000
DuPage, Illinois 172 $ 33,874,000 $ 196,941 $ 82,000
Wake, North Carolina 172 $ 30,243,000 $ 175,831 $ 87,000
Denton, Texas 169 $ 25,570,000 $ 151,301 $ 182,000
Cameron, Texas 168 $ 16,087,000 $ 95,755 $ 65,000
Orange, California 167 $ 59,558,000 $ 356,634 $ 131,000
Arapahoe, Colorado 162 $ 33,724,000 $ 208,172 $ 83,000
Kern, California 157 $ 28,153,000 $ 179,318 $ 88,000
Butler, Ohio 156 $ 20,002,000 $ 128,217 $ 71,000
Guilford, North Carolina 155 $ 19,398,000 $ 125,148 $ 63,000
Hennepin, Minnesota 151 $ 28,392,000 $ 188,026 $ 75,000
Lake, Illinois 142 $ 26,108,000 $ 183,859 $ 87,000
Montgomery, Maryland 140 $ 36,696,000 $ 262,114 $ 76,000
Westmoreland, Pennsylvania 135 $ 14,915,000 $ 110,481 $ 70,000
Richland, South Carolina 133 $ 14,363,000 $ 107,992 $ 68,000
Santa Clara, California 132 $ 53,594,000 $ 406,015 $ 153,000
Genesee, Michigan 132 $ 10,618,000 $ 80,439 $ 57,000
Stark, Ohio 132 $ 12,374,000 $ 93,742 $ 56,000
Brazoria, Texas 132 $ 17,924,000 $ 135,787 $ 81,000
Pinellas, Florida 125 $ 22,494,000 $ 179,952 $ 73,000
Kane, Illinois 122 $ 19,385,000 $ 158,893 $ 76,000
Lake, Indiana 122 $ 16,543,000 $ 135,598 $ 78,000
Cobb, Georgia 121 $ 20,048,000 $ 165,685 $ 102,000
King, Washington 117 $ 29,303,000 $ 250,452 $ 72,000
Mahoning, Ohio 113 $ 8,719,000 $ 77,159 $ 56,000
New Castle, Delaware 110 $ 16,246,000 $ 147,690 $ 70,000
Multnomah, Oregon 108 $ 22,808,000 $ 211,185 $ 83,000
McLennan, Texas 108 $ 9,249,000 $ 85,638 $ 55,000
Vanderburgh, Indiana 104 $ 8,696,000 $ 83,615 $ 61,000
Camden, New Jersey 103 $ 15,473,000 $ 150,223 $ 72,000
Pima, Arizona 102 $ 16,308,000 $ 159,882 $ 104,000
El Paso, Colorado 102 $ 18,628,000 $ 182,627 $ 73,000
Polk, Florida 100 $ 13,863,000 $ 138,630 $ 72,000
Pinal, Arizona 99 $ 12,974,000 $ 131,050 $ 58,000
Passaic, New Jersey 99 $ 28,688,000 $ 289,777 $ 97,000
Trumbull, Ohio 98 $ 7,749,000 $ 79,071 $ 46,000
Solano, California 94 $ 27,908,000 $ 296,893 $ 107,000
Macomb, Michigan 94 $ 17,230,000 $ 183,297 $ 78,000
Pulaski, Arkansas 93 $ 11,162,000 $ 120,021 $ 72,000
Pasco, Florida 93 $ 15,105,000 $ 162,419 $ 63,000
Jefferson, Texas 93 $ 7,658,000 $ 82,344 $ 73,000
Williamson, Texas 93 $ 12,149,000 $ 130,634 $ 87,000
Union, New Jersey 92 $ 26,391,000 $ 286,858 $ 107,000
Cumberland, North Carolina 92 $ 8,329,000 $ 90,532 $ 115,000
Clayton, Georgia 91 $ 10,541,000 $ 115,835 $ 61,000
St. Charles, Missouri 90 $ 13,985,000 $ 155,388 $ 67,000
Charleston, South Carolina 89 $ 16,092,000 $ 180,808 $ 89,000
Webb, Texas 88 $ 8,300,000 $ 94,318 $ 62,000
St. Lucie, Florida 87 $ 15,834,000 $ 182,000 $ 102,000
Volusia, Florida 87 $ 14,176,000 $ 162,942 $ 73,000
Nueces, Texas 87 $ 9,643,000 $ 110,839 $ 97,000
Vigo, Indiana 86 $ 5,869,000 $ 68,244 $ 49,000
Wyandotte, Kansas 86 $ 7,819,000 $ 90,918 $ 54,000
Fresno, California 84 $ 15,632,000 $ 186,095 $ 66,000
Pueblo, Colorado 84 $ 10,304,000 $ 122,666 $ 94,000
Anne Arundel, Maryland 84 $ 21,580,000 $ 256,904 $ 72,000
Bell, Texas 84 $ 10,158,000 $ 120,928 $ 99,000
Bernalillo, New Mexico 83 $ 14,597,000 $ 175,867 $ 77,000
Horry, South Carolina 83 $ 16,647,000 $ 200,566 $ 120,000
Fayette, Pennsylvania 82 $ 6,816,000 $ 83,121 $ 49,000
Osceola, Florida 79 $ 16,939,000 $ 214,417 $ 113,000
Lake, Florida 77 $ 13,811,000 $ 179,363 $ 69,000
Utah, Utah 77 $ 12,278,000 $ 159,454 $ 72,000
Fairfield, Connecticut 75 $ 21,058,000 $ 280,773 $ 125,000
Seminole, Florida 75 $ 16,507,000 $ 220,093 $ 118,000
Forsyth, North Carolina 75 $ 8,187,000 $ 109,160 $ 55,000
Stanislaus, California 74 $ 20,073,000 $ 271,256 $ 80,000
Henry, Georgia 74 $ 15,285,000 $ 206,554 $ 120,000
Kent, Michigan 73 $ 8,777,000 $ 120,232 $ 51,000
Hudson, New Jersey 72 $ 23,493,000 $ 326,291 $ 110,000
Lehigh, Pennsylvania 72 $ 7,227,000 $ 100,375 $ 48,000
Lexington, South Carolina 72 $ 8,794,000 $ 122,138 $ 68,000
Jefferson, Colorado 71 $ 13,930,000 $ 196,197 $ 94,000
St. Clair, Illinois 71 $ 6,206,000 $ 87,408 $ 44,000
Chesterfield, Virginia 70 $ 12,525,000 $ 178,928 $ 77,000
Pierce, Washington 70 $ 14,300,000 $ 204,285 $ 46,000
Washington, Oregon 69 $ 14,104,000 $ 204,405 $ 92,000
Ellis, Texas 69 $ 8,183,000 $ 118,594 $ 81,000
Bergen, New Jersey 65 $ 25,062,000 $ 385,569 $ 127,000
Delaware, Pennsylvania 65 $ 10,480,000 $ 161,230 $ 68,000
Richmond City, Virginia 64 $ 7,656,000 $ 119,625 $ 70,000
Collier, Florida 63 $ 17,318,000 $ 274,888 $ 157,000
Washington, Pennsylvania 63 $ 6,208,000 $ 98,539 $ 63,000
Fairfax, Virginia 63 $ 20,622,000 $ 327,333 $ 89,000
Middlesex, New Jersey 62 $ 18,458,000 $ 297,709 $ 101,000
Durham, North Carolina 62 $ 6,830,000 $ 110,161 $ 69,000
Orleans, Louisiana 61 $ 8,677,000 $ 142,245 $ 118,000
Ramsey, Minnesota 61 $ 9,667,000 $ 158,475 $ 74,000
Cleveland, Oklahoma 61 $ 6,643,000 $ 108,901 $ 68,000
Clermont, Ohio 60 $ 10,233,000 $ 170,550 $ 83,000
Henrico, Virginia 60 $ 10,493,000 $ 174,883 $ 85,000
Brevard, Florida 59 $ 10,619,000 $ 179,983 $ 112,000
Snohomish, Washington 59 $ 12,226,000 $ 207,220 $ 92,000
Beaver, Pennsylvania 58 $ 5,480,000 $ 94,482 $ 59,000
Monterey, California 57 $ 20,140,000 $ 353,333 $ 121,000
Marion, Florida 57 $ 8,142,000 $ 142,842 $ 59,000
Johnson, Kansas 56 $ 8,796,000 $ 157,071 $ 68,000
Greenville, South Carolina 55 $ 6,968,000 $ 126,690 $ 74,000
Hardin, Kentucky 54 $ 5,305,000 $ 98,240 $ 49,000
Delaware, Ohio 54 $ 12,254,000 $ 226,925 $ 118,000
Pitt, North Carolina 53 $ 4,930,000 $ 93,018 $ 65,000
Larimer, Colorado 52 $ 9,698,000 $ 186,500 $ 111,000
New Haven, Connecticut 52 $ 8,333,000 $ 160,250 $ 72,000
Jefferson, Louisiana 52 $ 6,400,000 $ 123,076 $ 80,000
Burlington, New Jersey 52 $ 11,536,000 $ 221,846 $ 77,000
Warren, Ohio 52 $ 8,361,000 $ 160,788 $ 89,000
New Hanover, North Carolina 51 $ 10,089,000 $ 197,823 $ 84,000
Prince William, Virginia 51 $ 13,679,000 $ 268,215 $ 75,000
Douglas, Georgia 50 $ 7,663,000 $ 153,260 $ 81,000
Clackamas, Oregon 50 $ 10,057,000 $ 201,140 $ 67,000
Johnson, Texas 50 $ 4,600,000 $ 92,000 $ 63,000
Monmouth, New Jersey 49 $ 15,023,000 $ 306,591 $ 115,000
Jefferson, Missouri 48 $ 6,521,000 $ 135,854 $ 66,000
Lorain, Ohio 48 $ 5,518,000 $ 114,958 $ 88,000
Mercer, Pennsylvania 48 $ 3,351,000 $ 69,812 $ 84,000
Dorchester, South Carolina 48 $ 7,748,000 $ 161,416 $ 80,000
Madison, Illinois 47 $ 4,499,000 $ 95,723 $ 50,000
Clark, Ohio 47 $ 3,766,000 $ 80,127 $ 48,000
Canadian, Oklahoma 47 $ 4,700,000 $ 100,000 $ 52,000
Montgomery, Pennsylvania 47 $ 11,571,000 $ 246,191 $ 54,000
Charles, Maryland 46 $ 13,960,000 $ 303,478 $ 66,000
Davidson, North Carolina 46 $ 5,141,000 $ 111,760 $ 62,000
Lubbock, Texas 46 $ 3,894,000 $ 84,652 $ 63,000
Clark, Washington 46 $ 10,091,000 $ 219,369 $ 54,000
Douglas, Colorado 45 $ 12,671,000 $ 281,577 $ 150,000
Allen, Indiana 45 $ 4,509,000 $ 100,200 $ 41,000
Clay, Missouri 45 $ 5,616,000 $ 124,800 $ 68,000
Atlantic, New Jersey 45 $ 9,562,000 $ 212,488 $ 82,000
Alamance, North Carolina 45 $ 4,237,000 $ 94,155 $ 64,000
Bucks, Pennsylvania 45 $ 11,577,000 $ 257,266 $ 113,000
Spartanburg, South Carolina 45 $ 3,813,000 $ 84,733 $ 54,000
Washoe, Nevada 43 $ 9,591,000 $ 223,046 $ 71,000
Ocean, New Jersey 43 $ 12,977,000 $ 301,790 $ 133,000
Weld, Colorado 42 $ 7,137,000 $ 169,928 $ 79,000
Gloucester, New Jersey 42 $ 8,152,000 $ 194,095 $ 81,000
Lawrence, Pennsylvania 42 $ 3,111,000 $ 74,071 $ 40,000
Wichita, Texas 42 $ 2,472,000 $ 58,857 $ 42,000
McHenry, Illinois 41 $ 8,009,000 $ 195,341 $ 68,000
Hamilton, Indiana 41 $ 7,068,000 $ 172,390 $ 120,000
East Baton Rouge, Louisiana 41 $ 4,604,000 $ 112,292 $ 74,000
Virginia Beach, Virginia 41 $ 9,021,000 $ 220,024 $ 105,000
Bibb, Georgia 40 $ 4,291,000 $ 107,275 $ 150,000
Chatham, Georgia 40 $ 4,384,000 $ 109,600 $ 48,000
Harford, Maryland 40 $ 10,201,000 $ 255,025 $ 125,000
Mercer, New Jersey 40 $ 6,322,000 $ 158,050 $ 87,000
Dona Ana, New Mexico 40 $ 5,329,000 $ 133,225 $ 62,000
Johnston, North Carolina 40 $ 5,081,000 $ 127,025 $ 69,000
Chesapeake, Virginia 40 $ 9,946,000 $ 248,650 $ 152,000
Merced, California 39 $ 9,388,000 $ 240,717 $ 82,000
Mesa, Colorado 39 $ 6,961,000 $ 178,487 $ 97,000
Rockdale, Georgia 39 $ 5,783,000 $ 148,282 $ 63,000
Berkeley, South Carolina 39 $ 5,021,000 $ 128,743 $ 111,000
Madison, Indiana 38 $ 2,959,000 $ 77,868 $ 61,000
Frederick, Maryland 38 $ 9,529,000 $ 250,763 $ 73,000
Sarasota, Florida 37 $ 9,325,000 $ 252,027 $ 79,000
Cherokee, Georgia 37 $ 6,660,000 $ 180,000 $ 80,000
York, Pennsylvania 37 $ 5,863,000 $ 158,459 $ 62,000
Sumter, South Carolina 37 $ 3,066,000 $ 82,864 $ 51,000
Hartford, Connecticut 36 $ 6,783,000 $ 188,416 $ 54,000
Manatee, Florida 36 $ 6,877,000 $ 191,027 $ 92,000
Newton, Georgia 36 $ 6,312,000 $ 175,333 $ 74,000
Fayette, Kentucky 36 $ 7,228,000 $ 200,777 $ 123,000
Hancock, Ohio 36 $ 3,081,000 $ 85,583 $ 52,000
Wood, Ohio 36 $ 4,960,000 $ 137,777 $ 93,000
Comal, Texas 36 $ 6,525,000 $ 181,250 $ 93,000
Norfolk, Virginia 36 $ 5,250,000 $ 145,833 $ 92,000
Hernando, Florida 35 $ 5,779,000 $ 165,114 $ 73,000
Johnson, Indiana 35 $ 6,393,000 $ 182,657 $ 80,000
Portsmouth, Virginia 35 $ 4,858,000 $ 138,800 $ 86,000
Dakota, Minnesota 34 $ 5,660,000 $ 166,470 $ 96,000
Elko, Nevada 34 $ 5,540,000 $ 162,941 $ 92,000
Licking, Ohio 34 $ 5,059,000 $ 148,794 $ 56,000
Brown, Texas 34 $ 2,543,000 $ 74,794 $ 51,000
Smith, Texas 34 $ 4,239,000 $ 124,676 $ 72,000
Milwaukee, Wisconsin 34 $ 4,032,000 $ 118,588 $ 63,000
Union, North Carolina 33 $ 12,362,000 $ 374,606 $ 183,000
Columbiana, Ohio 33 $ 2,722,000 $ 82,484 $ 56,000
Chester, Pennsylvania 33 $ 5,674,000 $ 171,939 $ 59,000
Guadalupe, Texas 33 $ 4,150,000 $ 125,757 $ 73,000
Kenton, Kentucky 32 $ 2,835,000 $ 88,593 $ 68,000
Howard, Maryland 32 $ 9,327,000 $ 291,468 $ 68,000
Forsyth, Georgia 31 $ 7,843,000 $ 253,000 $ 170,000
Muscogee, Georgia 31 $ 3,668,000 $ 118,322 $ 37,000
Anoka, Minnesota 31 $ 5,317,000 $ 171,516 $ 65,000
Garfield, Oklahoma 31 $ 2,553,000 $ 82,354 $ 52,000
Kaufman, Texas 31 $ 3,527,000 $ 113,774 $ 79,000
Escambia, Florida 30 $ 4,494,000 $ 149,800 $ 122,000
Pulaski, Kentucky 30 $ 2,358,000 $ 78,600 $ 54,000
Cabarrus, North Carolina 30 $ 4,142,000 $ 138,066 $ 71,000
Pottawatomie, Oklahoma 30 $ 2,630,000 $ 87,666 $ 57,000
Erie, Pennsylvania 30 $ 2,152,000 $ 71,733 $ 39,000
Muskegon, Michigan 29 $ 2,442,000 $ 84,206 $ 41,000
Gaston, North Carolina 29 $ 3,024,000 $ 104,275 $ 51,000
Shelby, Tennessee 29 $ 3,165,000 $ 109,137 $ 19,000
Grayson, Texas 29 $ 2,352,000 $ 81,103 $ 61,000
Newport News, Virginia 29 $ 3,893,000 $ 134,241 $ 53,000
Washington, Arkansas 28 $ 3,921,000 $ 140,035 $ 55,000
Delaware, Indiana 28 $ 1,897,000 $ 67,750 $ 43,000
Calhoun, Michigan 28 $ 2,115,000 $ 75,535 $ 54,000
Kalamazoo, Michigan 28 $ 2,386,000 $ 85,214 $ 57,000
Sandoval, New Mexico 28 $ 5,854,000 $ 209,071 $ 94,000
Fairfield, Ohio 28 $ 5,155,000 $ 184,107 $ 75,000
Marion, Ohio 28 $ 2,131,000 $ 76,107 $ 46,000
Berks, Pennsylvania 28 $ 3,927,000 $ 140,250 $ 62,000
Bastrop, Texas 28 $ 2,640,000 $ 94,285 $ 65,000
Hood, Texas 28 $ 4,693,000 $ 167,607 $ 103,000
Weber, Utah 28 $ 4,533,000 $ 161,892 $ 56,000
Paulding, Georgia 27 $ 2,638,000 $ 97,703 $ 52,000
Hendricks, Indiana 27 $ 3,133,000 $ 116,037 $ 66,000
Edgecombe, North Carolina 27 $ 1,997,000 $ 73,962 $ 47,000
Lake, Ohio 27 $ 3,817,000 $ 141,370 $ 56,000
Davis, Utah 27 $ 4,665,000 $ 172,777 $ 61,000
San Mateo, California 26 $ 11,852,000 $ 455,846 $ 149,000
Clark, Indiana 26 $ 2,675,000 $ 102,884 $ 69,000
Warren, Kentucky 26 $ 2,484,000 $ 95,538 $ 47,000
Monroe, Pennsylvania 26 $ 6,052,000 $ 232,769 $ 85,000
Aiken, South Carolina 26 $ 2,838,000 $ 109,153 $ 64,000
Beaufort, South Carolina 26 $ 9,435,000 $ 362,884 $ 123,000
Benton, Arkansas 25 $ 3,418,000 $ 136,720 $ 82,000
Boulder, Colorado 25 $ 5,186,000 $ 207,440 $ 78,000
Kent, Delaware 25 $ 5,216,000 $ 208,640 $ 63,000
Martin, Florida 25 $ 4,715,000 $ 188,600 $ 94,000
Washington, Maryland 25 $ 4,628,000 $ 185,120 $ 45,000
Ingham, Michigan 25 $ 3,260,000 $ 130,400 $ 62,000
Buncombe, North Carolina 25 $ 4,335,000 $ 173,400 $ 71,000
Nash, North Carolina 25 $ 2,128,000 $ 85,120 $ 60,000
Wilson, North Carolina 25 $ 2,521,000 $ 100,840 $ 65,000
Greene, Ohio 25 $ 3,679,000 $ 147,160 $ 62,000
Richland, Ohio 25 $ 1,686,000 $ 67,440 $ 59,000
Northampton, Pennsylvania 25 $ 3,684,000 $ 147,360 $ 66,000
York, South Carolina 25 $ 3,783,000 $ 151,320 $ 58,000
Brazos, Texas 25 $ 2,546,000 $ 101,840 $ 64,000
Ector, Texas 25 $ 1,662,000 $ 66,480 $ 59,000
Gregg, Texas 25 $ 3,368,000 $ 134,720 $ 71,000
Wise, Texas 25 $ 3,501,000 $ 140,040 $ 92,000
Tulare, California 24 $ 4,619,000 $ 192,458 $ 95,000
Carroll, Georgia 24 $ 3,216,000 $ 134,000 $ 61,000
Cambria, Pennsylvania 24 $ 1,426,000 $ 59,416 $ 44,000
Pickens, South Carolina 24 $ 2,035,000 $ 84,791 $ 40,000
Hays, Texas 24 $ 4,948,000 $ 206,166 $ 126,000
Parker, Texas 24 $ 2,626,000 $ 109,416 $ 69,000
Yavapai, Arizona 23 $ 3,053,000 $ 132,739 $ 45,000
Richmond, Georgia 23 $ 2,152,000 $ 93,565 $ 40,000
Henry, Indiana 23 $ 1,706,000 $ 74,173 $ 52,000
Cumberland, New Jersey 23 $ 2,975,000 $ 129,347 $ 65,000
Randolph, North Carolina 23 $ 2,895,000 $ 125,869 $ 72,000
Rockingham, North Carolina 23 $ 2,195,000 $ 95,434 $ 60,000
Muskingum, Ohio 23 $ 1,747,000 $ 75,956 $ 40,000
Rogers, Oklahoma 23 $ 2,238,000 $ 97,304 $ 46,000
Stafford, Virginia 23 $ 4,676,000 $ 203,304 $ 69,000
Cowlitz, Washington 23 $ 3,194,000 $ 138,869 $ 62,000
Imperial, California 22 $ 3,571,000 $ 162,318 $ 48,000
Leon, Florida 22 $ 2,905,000 $ 132,045 $ 64,000
Winnebago, Illinois 22 $ 2,254,000 $ 102,454 $ 66,000
Floyd, Indiana 22 $ 2,389,000 $ 108,590 $ 148,000
Cass, Missouri 22 $ 3,578,000 $ 162,636 $ 73,000
Morris, New Jersey 22 $ 6,756,000 $ 307,090 $ 276,000
Somerset, New Jersey 22 $ 5,872,000 $ 266,909 $ 78,000
Medina, Ohio 22 $ 3,407,000 $ 154,863 $ 77,000
Pittsburg, Oklahoma 22 $ 1,747,000 $ 79,409 $ 56,000
Butler, Pennsylvania 22 $ 3,639,000 $ 165,409 $ 90,000
Florence, South Carolina 22 $ 2,298,000 $ 104,454 $ 70,000
Cooke, Texas 22 $ 1,453,000 $ 66,045 $ 48,000
Liberty, Texas 22 $ 1,934,000 $ 87,909 $ 68,000
Hampton, Virginia 22 $ 3,339,000 $ 151,772 $ 59,000
Spotsylvania, Virginia 22 $ 5,213,000 $ 236,954 $ 63,000
Saline, Arkansas 21 $ 2,403,000 $ 114,428 $ 49,000
San Benito, California 21 $ 6,462,000 $ 307,714 $ 286,000
Yolo, California 21 $ 5,162,000 $ 245,809 $ 122,000
Charlotte, Florida 21 $ 4,351,000 $ 207,190 $ 116,000
Indian River, Florida 21 $ 8,460,000 $ 402,857 $ 309,000
St. Tammany, Louisiana 21 $ 2,904,000 $ 138,285 $ 58,000
Carroll, Maryland 21 $ 5,766,000 $ 274,571 $ 84,000
Livingston, Michigan 21 $ 4,814,000 $ 229,238 $ 107,000
Franklin, Missouri 21 $ 2,791,000 $ 132,904 $ 56,000
Crawford, Pennsylvania 21 $ 1,615,000 $ 76,904 $ 46,000
Maverick, Texas 21 $ 2,138,000 $ 101,809 $ 54,000
Randall, Texas 21 $ 1,575,000 $ 75,000 $ 77,000
San Patricio, Texas 21 $ 2,349,000 $ 111,857 $ 70,000
Frederick, Virginia 21 $ 4,538,000 $ 216,095 $ 75,000
Kendall, Illinois 20 $ 3,410,000 $ 170,500 $ 67,000
Warrick, Indiana 20 $ 2,755,000 $ 137,750 $ 89,000
Boone, Kentucky 20 $ 2,843,000 $ 142,150 $ 84,000
St. John the Baptist, Louisiana 20 $ 2,718,000 $ 135,900 $ 75,000
Scott, Missouri 20 $ 1,031,000 $ 51,550 $ 58,000
Douglas, Nebraska 20 $ 2,163,000 $ 108,150 $ 88,000
Harnett, North Carolina 20 $ 2,058,000 $ 102,900 $ 94,000
Iredell, North Carolina 20 $ 3,568,000 $ 178,400 $ 100,000
Sandusky, Ohio 20 $ 2,612,000 $ 130,600 $ 62,000
Somerset, Pennsylvania 20 $ 1,287,000 $ 64,350 $ 43,000
Providence, Rhode Island 20 $ 4,034,000 $ 201,700 $ 34,000
Roanoke City, Virginia 20 $ 1,624,000 $ 81,200 $ 59,000
Kitsap, Washington 20 $ 4,599,000 $ 229,950 $ 108,000
Fayette, Georgia 19 $ 5,819,000 $ 306,263 $ 119,000
Hall, Georgia 19 $ 2,119,000 $ 111,526 $ 63,000
Howard, Indiana 19 $ 1,916,000 $ 100,842 $ 55,000
Caddo, Louisiana 19 $ 1,841,000 $ 96,894 $ 39,000
Lenawee, Michigan 19 $ 2,751,000 $ 144,789 $ 97,000
Monroe, Michigan 19 $ 3,539,000 $ 186,263 $ 86,000
Saginaw, Michigan 19 $ 2,030,000 $ 106,842 $ 56,000
Washtenaw, Michigan 19 $ 3,436,000 $ 180,842 $ 101,000
Rowan, North Carolina 19 $ 2,105,000 $ 110,789 $ 72,000
Erie, Ohio 19 $ 1,894,000 $ 99,684 $ 88,000
Portage, Ohio 19 $ 2,302,000 $ 121,157 $ 53,000
Carter, Oklahoma 19 $ 1,893,000 $ 99,631 $ 43,000
Rockwall, Texas 19 $ 2,896,000 $ 152,421 $ 95,000
Taylor, Texas 19 $ 1,741,000 $ 91,631 $ 85,000
Victoria, Texas 19 $ 1,455,000 $ 76,578 $ 134,000
Loudoun, Virginia 19 $ 7,002,000 $ 368,526 $ 134,000
Placer, California 18 $ 6,370,000 $ 353,888 $ 74,000
St. Johns, Florida 18 $ 3,642,000 $ 202,333 $ 101,000
Coweta, Georgia 18 $ 2,926,000 $ 162,555 $ 64,000
Lee, Georgia 18 $ 2,525,000 $ 140,277 $ 155,000
Campbell, Kentucky 18 $ 3,147,000 $ 174,833 $ 66,000
Jackson, Michigan 18 $ 1,523,000 $ 84,611 $ 68,000
Craven, North Carolina 18 $ 1,798,000 $ 99,888 $ 56,000
Allen, Ohio 18 $ 1,597,000 $ 88,722 $ 44,000
Ottawa, Ohio 18 $ 2,879,000 $ 159,944 $ 78,000
Marion, Oregon 18 $ 3,297,000 $ 183,166 $ 70,000
Dauphin, Pennsylvania 18 $ 1,601,000 $ 88,944 $ 63,000
Lackawanna, Pennsylvania 18 $ 2,235,000 $ 124,166 $ 50,000
Midland, Texas 18 $ 1,680,000 $ 93,333 $ 61,000
Tom Green, Texas 18 $ 1,545,000 $ 85,833 $ 88,000
Santa Cruz, Arizona 17 $ 2,479,000 $ 145,823 $ 38,000
Pope, Arkansas 17 $ 1,135,000 $ 66,764 $ 47,000
Sonoma, California 17 $ 5,921,000 $ 348,294 $ 153,000
Clay, Florida 17 $ 2,775,000 $ 163,235 $ 68,000
Sullivan, Indiana 17 $ 1,482,000 $ 87,176 $ 55,000
Wayne, Indiana 17 $ 2,142,000 $ 126,000 $ 65,000
Sedgwick, Kansas 17 $ 1,721,000 $ 101,235 $ 50,000
Boyd, Kentucky 17 $ 1,445,000 $ 85,000 $ 67,000
Bullitt, Kentucky 17 $ 1,751,000 $ 103,000 $ 43,000
Whitley, Kentucky 17 $ 1,139,000 $ 67,000 $ 36,000
Robeson, North Carolina 17 $ 1,733,000 $ 101,941 $ 72,000
Tuscarawas, Ohio 17 $ 1,437,000 $ 84,529 $ 42,000
Indiana, Pennsylvania 17 $ 1,476,000 $ 86,823 $ 39,000
Lancaster, Pennsylvania 17 $ 2,421,000 $ 142,411 $ 42,000
Davidson, Tennessee 17 $ 2,042,000 $ 120,117 $ 15,000
Coryell, Texas 17 $ 1,185,000 $ 69,705 $ 58,000
Potter, Texas 17 $ 1,279,000 $ 75,235 $ 46,000
Lynchburg, Virginia 17 $ 1,593,000 $ 93,705 $ 69,000
Suffolk, Virginia 17 $ 2,817,000 $ 165,705 $ 115,000
Mohave, Arizona 16 $ 3,324,000 $ 207,750 $ 78,000
Garland, Arkansas 16 $ 1,924,000 $ 120,250 $ 61,000
Madera, California 16 $ 2,648,000 $ 165,500 $ 95,000
Walton, Florida 16 $ 3,341,000 $ 208,812 $ 97,000
Walton, Georgia 16 $ 3,058,000 $ 191,125 $ 91,000
Dearborn, Indiana 16 $ 1,388,000 $ 86,750 $ 55,000
Wright, Minnesota 16 $ 3,457,000 $ 216,062 $ 88,000
St. Francois, Missouri 16 $ 1,427,000 $ 89,187 $ 45,000
Sussex, New Jersey 16 $ 3,818,000 $ 238,625 $ 102,000
Catawba, North Carolina 16 $ 2,226,000 $ 139,125 $ 65,000
Pickaway, Ohio 16 $ 2,498,000 $ 156,125 $ 74,000
Seneca, Ohio 16 $ 1,131,000 $ 70,687 $ 50,000
McClain, Oklahoma 16 $ 2,121,000 $ 132,562 $ 69,000
Matagorda, Texas 16 $ 1,581,000 $ 98,812 $ 72,000
Orange, Texas 16 $ 1,055,000 $ 65,937 $ 54,000
Walker, Texas 16 $ 2,098,000 $ 131,125 $ 83,000
Waller, Texas 16 $ 1,412,000 $ 88,250 $ 81,000
Wharton, Texas 16 $ 1,056,000 $ 66,000 $ 43,000
Warren, Virginia 16 $ 3,198,000 $ 199,875 $ 71,000
San Francisco, California 15 $ 7,615,000 $ 507,666 $ 435,000
Santa Cruz, California 15 $ 7,150,000 $ 476,666 $ 177,000
Litchfield, Connecticut 15 $ 2,705,000 $ 180,333 $ 110,000
Porter, Indiana 15 $ 3,076,000 $ 205,066 $ 65,000
Laurel, Kentucky 15 $ 1,460,000 $ 97,333 $ 46,000
Lincoln, Missouri 15 $ 2,627,000 $ 175,133 $ 60,000
Crawford, Ohio 15 $ 889,000 $ 59,266 $ 49,000
Comanche, Oklahoma 15 $ 1,023,000 $ 68,200 $ 33,000
Creek, Oklahoma 15 $ 1,271,000 $ 84,733 $ 42,000
Linn, Oregon 15 $ 1,701,000 $ 113,400 $ 42,000
Knox, Tennessee 15 $ 1,091,000 $ 72,733 $ 14,000
Angelina, Texas 15 $ 1,080,000 $ 72,000 $ 149,000
Atascosa, Texas 15 $ 1,276,000 $ 85,066 $ 69,000
Burnet, Texas 15 $ 1,570,000 $ 104,666 $ 89,000
Val Verde, Texas 15 $ 1,268,000 $ 84,533 $ 52,000
Van Zandt, Texas 15 $ 1,249,000 $ 83,266 $ 61,000
Flagler, Florida 14 $ 3,347,000 $ 239,071 $ 163,000
Houston, Georgia 14 $ 2,321,000 $ 165,785 $ 58,000
Spalding, Georgia 14 $ 1,929,000 $ 137,785 $ 44,000
Ada, Idaho 14 $ 5,617,000 $ 401,214 $ 47,000
Boone, Illinois 14 $ 2,136,000 $ 152,571 $ 51,000
Grant, Indiana 14 $ 889,000 $ 63,500 $ 40,000
St. Joseph, Indiana 14 $ 1,403,000 $ 100,214 $ 51,000
Daviess, Kentucky 14 $ 1,107,000 $ 79,071 $ 40,000
Henderson, Kentucky 14 $ 1,314,000 $ 93,857 $ 42,000
Madison, Kentucky 14 $ 1,560,000 $ 111,428 $ 50,000
St. Mary's, Maryland 14 $ 3,494,000 $ 249,571 $ 77,000
Brunswick, North Carolina 14 $ 2,481,000 $ 177,214 $ 163,000
Onslow, North Carolina 14 $ 1,549,000 $ 110,642 $ 111,000
Surry, North Carolina 14 $ 1,625,000 $ 116,071 $ 44,000
Logan, Ohio 14 $ 1,691,000 $ 120,785 $ 59,000
Miami, Ohio 14 $ 1,735,000 $ 123,928 $ 66,000
Scioto, Ohio 14 $ 1,498,000 $ 107,000 $ 63,000
Grady, Oklahoma 14 $ 1,139,000 $ 81,357 $ 55,000
Jackson, Oklahoma 14 $ 899,000 $ 64,214 $ 43,000
Muskogee, Oklahoma 14 $ 922,000 $ 65,857 $ 44,000
Orangeburg, South Carolina 14 $ 2,036,000 $ 145,428 $ 77,000
Kerr, Texas 14 $ 2,075,000 $ 148,214 $ 66,000
Medina, Texas 14 $ 1,039,000 $ 74,214 $ 40,000
Washington, Utah 14 $ 4,251,000 $ 303,642 $ 214,000
Yuba, California 13 $ 2,220,000 $ 170,769 $ 71,000
Sussex, Delaware 13 $ 2,154,000 $ 165,692 $ 84,000
Bay, Florida 13 $ 4,605,000 $ 354,230 $ 243,000
Citrus, Florida 13 $ 1,797,000 $ 138,230 $ 72,000
Nassau, Florida 13 $ 2,039,000 $ 156,846 $ 123,000
Kootenai, Idaho 13 $ 2,958,000 $ 227,538 $ 93,000
DeKalb, Illinois 13 $ 1,827,000 $ 140,538 $ 92,000
McLean, Illinois 13 $ 1,424,000 $ 109,538 $ 67,000
Gibson, Indiana 13 $ 1,166,000 $ 89,692 $ 95,000
Morgan, Indiana 13 $ 1,287,000 $ 99,000 $ 67,000
Vermillion, Indiana 13 $ 926,000 $ 71,230 $ 48,000
Lincoln, Kentucky 13 $ 1,080,000 $ 83,076 $ 44,000
Ottawa, Michigan 13 $ 2,427,000 $ 186,692 $ 59,000
Washington, Minnesota 13 $ 3,569,000 $ 274,538 $ 108,000
Valencia, New Mexico 13 $ 1,965,000 $ 151,153 $ 35,000
Franklin, North Carolina 13 $ 1,511,000 $ 116,230 $ 49,000
Union, Ohio 13 $ 1,478,000 $ 113,692 $ 78,000
Okmulgee, Oklahoma 13 $ 1,007,000 $ 77,461 $ 52,000
Chambers, Texas 13 $ 1,361,000 $ 104,692 $ 89,000
Henderson, Texas 13 $ 1,421,000 $ 109,307 $ 189,000
Kendall, Texas 13 $ 3,336,000 $ 256,615 $ 136,000
Lonoke, Arkansas 12 $ 1,387,000 $ 115,583 $ 147,000
Bartholomew, Indiana 12 $ 1,399,000 $ 116,583 $ 67,000
Boone, Indiana 12 $ 2,394,000 $ 199,500 $ 69,000
Hancock, Indiana 12 $ 1,784,000 $ 148,666 $ 42,000
Calcasieu, Louisiana 12 $ 1,120,000 $ 93,333 $ 68,000
Wicomico, Maryland 12 $ 2,069,000 $ 172,416 $ 28,000
Berrien, Michigan 12 $ 841,000 $ 70,083 $ 45,000
Scott, Minnesota 12 $ 2,433,000 $ 202,750 $ 128,000
Lyon, Nevada 12 $ 1,882,000 $ 156,833 $ 33,000
Burke, North Carolina 12 $ 1,011,000 $ 84,250 $ 40,000
Lee, North Carolina 12 $ 1,055,000 $ 87,916 $ 43,000
Champaign, Ohio 12 $ 1,393,000 $ 116,083 $ 60,000
Geauga, Ohio 12 $ 2,171,000 $ 180,916 $ 80,000
Stephens, Oklahoma 12 $ 856,000 $ 71,333 $ 50,000
Wagoner, Oklahoma 12 $ 1,214,000 $ 101,166 $ 80,000
Bedford, Pennsylvania 12 $ 1,214,000 $ 101,166 $ 60,000
Luzerne, Pennsylvania 12 $ 903,000 $ 75,250 $ 36,000
Anderson, South Carolina 12 $ 1,948,000 $ 162,333 $ 278,000
Bee, Texas 12 $ 1,045,000 $ 87,083 $ 51,000
Hardin, Texas 12 $ 1,192,000 $ 99,333 $ 73,000
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Mortgage Loan Application Detail Totals for The Cit Group/Consumer Finance in 2007

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 25,371 $4,282,403,000 $168,000 $5,546,000 $77,000 $5,412,000
Home Purchase 22,652 $3,399,914,000 $150,000 $12,350,000 $86,000 $7,562,000
Home Improvement 2,920 $458,948,000 $157,000 $775,000 $80,000 $4,602,000

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 17,507 $2,762,440,000 $157,000 $5,546,000 $93,000 $7,562,000
Black or African American 11,254 $1,644,893,000 $146,000 $12,350,000 $78,000 $4,183,000
Hispanic 10,606 $1,703,257,000 $160,000 $1,200,000 $84,000 $5,040,000
Not Provided 6,962 $1,122,668,000 $161,000 $1,609,000 $85,000 $3,000,000
Not applicable 3,502 $657,446,000 $187,000 $920,000 $0 $0
Asian 859 $197,687,000 $230,000 $2,850,000 $129,000 $2,084,000
Native Hawaiian or Other Pacific Islander 142 $30,946,000 $217,000 $699,000 $169,000 $4,067,000
American Indian or Alaskan Native 111 $21,928,000 $197,000 $775,000 $115,000 $586,000

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) 50,943 $8,141,265,000 $159,000 $12,350,000 $81,000 $7,562,000
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 Withdrawn By Applicant 17,585 $2,906,649,000 $165,000 $12,350,000 $91,000 $5,412,000
Loan Originated 12,139 $1,745,729,000 $143,000 $850,000 $84,000 $7,562,000
Application Approved But Not Accepted 8,865 $1,368,744,000 $154,000 $981,000 $88,000 $5,040,000
Application Denied By Financial Institution 8,852 $1,462,697,000 $165,000 $3,230,000 $83,000 $2,132,000
Loan Purchased By The Institution 3,502 $657,446,000 $187,000 $920,000 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $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 2007 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.
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