The Cit Group/Consumer Finance Mortgage Lending & HMDA Data, 2004

In 2004, The Cit Group/Consumer Finance of Livingston, NJ reported 85,826 mortgage applications totaling $9.9 billion. The average application was for $114,986, and applicants reported an average income of $67,299. 22% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Houston-Baytown-Sugar Land, TX (4,481), Pittsburgh, PA (2,423) and Chicago-Naperville-Joliet, IL (2,281) (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 85,826
Total Mortgage Loan Application Amount $9,868,845,000
Average Mortgage Loan Application Amount $114,986
Highest Mortgage Loan Application Amount $6,000,000
Average Applicant Income $67,299
Highest Applicant Income $4,788,000

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records The Cit Group/Consumer Finance filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Harris, Texas 3,200 $ 335,947,000 $ 104,983 $ 82,000
Cook, Illinois 1,986 $ 315,356,000 $ 158,789 $ 77,000
Los Angeles, California 1,638 $ 355,919,000 $ 217,288 $ 136,000
Maricopa, Arizona 1,461 $ 173,644,000 $ 118,852 $ 79,000
Bexar, Texas 1,393 $ 101,871,000 $ 73,130 $ 73,000
Wayne, Michigan 1,362 $ 116,131,000 $ 85,265 $ 56,000
Dallas, Texas 1,313 $ 128,255,000 $ 97,680 $ 82,000
Clark, Nevada 1,295 $ 225,431,000 $ 174,077 $ 101,000
Allegheny, Pennsylvania 1,254 $ 90,208,000 $ 71,936 $ 53,000
Franklin, Ohio 1,038 $ 102,814,000 $ 99,050 $ 58,000
Hamilton, Ohio 968 $ 103,244,000 $ 106,657 $ 69,000
Tarrant, Texas 840 $ 83,435,000 $ 99,327 $ 85,000
Oklahoma, Oklahoma 814 $ 60,132,000 $ 73,872 $ 54,000
St. Louis, Missouri 782 $ 72,013,000 $ 92,088 $ 54,000
Lucas, Ohio 765 $ 52,417,000 $ 68,518 $ 57,000
Marion, Indiana 690 $ 49,677,000 $ 71,995 $ 66,000
Fulton, Georgia 661 $ 101,893,000 $ 154,149 $ 90,000
Jefferson, Kentucky 625 $ 52,693,000 $ 84,308 $ 59,000
San Diego, California 620 $ 129,857,000 $ 209,446 $ 155,000
Tulsa, Oklahoma 613 $ 49,971,000 $ 81,518 $ 51,000
St. Louis City, Missouri 574 $ 43,354,000 $ 75,529 $ 52,000
Jackson, Missouri 560 $ 44,631,000 $ 79,698 $ 53,000
Hillsborough, Florida 544 $ 57,844,000 $ 106,330 $ 67,000
Cuyahoga, Ohio 524 $ 59,046,000 $ 112,683 $ 77,000
Travis, Texas 521 $ 60,131,000 $ 115,414 $ 109,000
Orange, Florida 508 $ 61,466,000 $ 120,996 $ 68,000
Salt Lake, Utah 502 $ 58,821,000 $ 117,173 $ 84,000
Wake, North Carolina 496 $ 62,539,000 $ 126,086 $ 98,000
Fort Bend, Texas 480 $ 61,598,000 $ 128,329 $ 86,000
Westmoreland, Pennsylvania 468 $ 36,415,000 $ 77,809 $ 44,000
DeKalb, Georgia 466 $ 62,079,000 $ 133,216 $ 78,000
Summit, Ohio 460 $ 44,989,000 $ 97,802 $ 65,000
Montgomery, Ohio 448 $ 37,368,000 $ 83,410 $ 56,000
Riverside, California 440 $ 81,829,000 $ 185,975 $ 131,000
Sacramento, California 437 $ 70,961,000 $ 162,382 $ 106,000
Alameda, California 428 $ 100,617,000 $ 235,086 $ 133,000
Philadelphia, Pennsylvania 426 $ 31,670,000 $ 74,342 $ 56,000
Orange, California 424 $ 92,911,000 $ 219,129 $ 166,000
Denver, Colorado 421 $ 66,804,000 $ 158,679 $ 81,000
Contra Costa, California 418 $ 94,205,000 $ 225,370 $ 121,000
Arapahoe, Colorado 388 $ 59,876,000 $ 154,319 $ 87,000
Oakland, Michigan 372 $ 66,354,000 $ 178,370 $ 89,000
San Bernardino, California 371 $ 58,996,000 $ 159,018 $ 105,000
Broward, Florida 345 $ 48,651,000 $ 141,017 $ 76,000
Palm Beach, Florida 339 $ 54,312,000 $ 160,212 $ 83,000
Prince George's, Maryland 337 $ 59,965,000 $ 177,937 $ 77,000
Mahoning, Ohio 327 $ 26,955,000 $ 82,431 $ 49,000
Stark, Ohio 317 $ 28,203,000 $ 88,968 $ 48,000
Pinellas, Florida 312 $ 35,549,000 $ 113,939 $ 69,000
Richland, South Carolina 309 $ 28,550,000 $ 92,394 $ 59,000
Baltimore City, Maryland 303 $ 24,575,000 $ 81,105 $ 61,000
Mecklenburg, North Carolina 303 $ 30,970,000 $ 102,211 $ 58,000
King, Washington 287 $ 52,356,000 $ 182,425 $ 111,000
Duval, Florida 286 $ 24,051,000 $ 84,094 $ 60,000
Galveston, Texas 285 $ 28,529,000 $ 100,101 $ 85,000
Santa Clara, California 273 $ 65,604,000 $ 240,307 $ 151,000
Lexington, South Carolina 267 $ 23,712,000 $ 88,808 $ 51,000
Jefferson, Colorado 265 $ 48,445,000 $ 182,811 $ 92,000
Genesee, Michigan 261 $ 20,250,000 $ 77,586 $ 65,000
Vigo, Indiana 254 $ 14,469,000 $ 56,964 $ 34,000
St. Clair, Illinois 251 $ 18,097,000 $ 72,099 $ 42,000
Allen, Indiana 251 $ 14,965,000 $ 59,621 $ 42,000
Denton, Texas 247 $ 35,447,000 $ 143,510 $ 89,000
Hidalgo, Texas 247 $ 19,802,000 $ 80,170 $ 62,000
Orleans, Louisiana 241 $ 26,752,000 $ 111,004 $ 102,000
Hennepin, Minnesota 239 $ 43,342,000 $ 181,347 $ 105,000
Miami-Dade, Florida 236 $ 36,437,000 $ 154,394 $ 90,000
Butler, Ohio 229 $ 27,668,000 $ 120,820 $ 64,000
Trumbull, Ohio 229 $ 19,295,000 $ 84,257 $ 45,000
Brazoria, Texas 226 $ 21,159,000 $ 93,623 $ 72,000
Collin, Texas 223 $ 39,975,000 $ 179,260 $ 100,000
Baltimore, Maryland 217 $ 34,006,000 $ 156,709 $ 73,000
Williamson, Texas 207 $ 17,587,000 $ 84,961 $ 85,000
Volusia, Florida 205 $ 20,917,000 $ 102,034 $ 60,000
Washington, Pennsylvania 205 $ 15,937,000 $ 77,741 $ 45,000
Montgomery, Texas 205 $ 29,367,000 $ 143,253 $ 114,000
Polk, Florida 204 $ 16,727,000 $ 81,995 $ 65,000
Multnomah, Oregon 203 $ 25,163,000 $ 123,955 $ 77,000
Adams, Colorado 201 $ 30,842,000 $ 153,442 $ 80,000
Pasco, Florida 201 $ 17,861,000 $ 88,860 $ 58,000
Cameron, Texas 200 $ 15,666,000 $ 78,330 $ 52,000
Camden, New Jersey 199 $ 24,247,000 $ 121,844 $ 66,000
Durham, North Carolina 199 $ 21,454,000 $ 107,809 $ 66,000
Fairfax, Virginia 197 $ 47,718,000 $ 242,223 $ 111,000
Essex, New Jersey 196 $ 47,573,000 $ 242,719 $ 85,000
Guilford, North Carolina 195 $ 19,859,000 $ 101,841 $ 55,000
San Joaquin, California 194 $ 35,552,000 $ 183,257 $ 114,000
Lorain, Ohio 193 $ 20,481,000 $ 106,119 $ 55,000
Madison, Illinois 189 $ 15,015,000 $ 79,444 $ 51,000
Fayette, Pennsylvania 186 $ 12,902,000 $ 69,365 $ 42,000
Snohomish, Washington 184 $ 26,922,000 $ 146,315 $ 90,000
Laurel, Kentucky 182 $ 12,804,000 $ 70,351 $ 44,000
Buncombe, North Carolina 178 $ 17,879,000 $ 100,443 $ 50,000
Gwinnett, Georgia 177 $ 26,821,000 $ 151,531 $ 72,000
Macomb, Michigan 175 $ 25,790,000 $ 147,371 $ 67,000
Charleston, South Carolina 175 $ 20,040,000 $ 114,514 $ 64,000
Pierce, Washington 174 $ 20,800,000 $ 119,540 $ 87,000
Osceola, Florida 170 $ 18,295,000 $ 107,617 $ 60,000
Columbiana, Ohio 170 $ 13,223,000 $ 77,782 $ 42,000
Cumberland, North Carolina 165 $ 12,826,000 $ 77,733 $ 64,000
Ventura, California 164 $ 39,155,000 $ 238,750 $ 130,000
San Mateo, California 160 $ 39,838,000 $ 248,987 $ 179,000
Clayton, Georgia 160 $ 16,605,000 $ 103,781 $ 56,000
Mercer, Pennsylvania 160 $ 11,549,000 $ 72,181 $ 41,000
Cobb, Georgia 159 $ 22,696,000 $ 142,742 $ 79,000
Cleveland, Oklahoma 156 $ 13,236,000 $ 84,846 $ 58,000
Prince William, Virginia 151 $ 37,285,000 $ 246,920 $ 87,000
Leon, Florida 148 $ 12,264,000 $ 82,864 $ 70,000
Seminole, Florida 148 $ 17,682,000 $ 119,472 $ 75,000
Beaver, Pennsylvania 147 $ 11,237,000 $ 76,442 $ 50,000
Solano, California 146 $ 28,182,000 $ 193,027 $ 117,000
Marion, Florida 146 $ 10,931,000 $ 74,869 $ 48,000
Forsyth, North Carolina 145 $ 14,429,000 $ 99,510 $ 58,000
Berkeley, South Carolina 145 $ 14,419,000 $ 99,441 $ 47,000
Horry, South Carolina 144 $ 15,991,000 $ 111,048 $ 49,000
Montgomery, Maryland 142 $ 34,848,000 $ 245,408 $ 96,000
Johnston, North Carolina 139 $ 14,298,000 $ 102,863 $ 51,000
St. Charles, Missouri 138 $ 17,430,000 $ 126,304 $ 58,000
Wyandotte, Kansas 136 $ 9,089,000 $ 66,830 $ 40,000
Jefferson, Louisiana 134 $ 15,999,000 $ 119,395 $ 63,000
Lake, Florida 133 $ 13,471,000 $ 101,285 $ 54,000
Norfolk, Virginia 131 $ 12,468,000 $ 95,175 $ 71,000
Licking, Ohio 130 $ 14,417,000 $ 110,900 $ 62,000
Clark, Washington 130 $ 14,580,000 $ 112,153 $ 65,000
Milwaukee, Wisconsin 130 $ 13,545,000 $ 104,192 $ 65,000
Berkeley, West Virginia 129 $ 15,978,000 $ 123,860 $ 49,000
Clark, Ohio 128 $ 10,257,000 $ 80,132 $ 56,000
Washoe, Nevada 125 $ 19,735,000 $ 157,880 $ 93,000
Virginia Beach, Virginia 125 $ 14,376,000 $ 115,008 $ 67,000
Jefferson, Missouri 124 $ 12,834,000 $ 103,500 $ 46,000
Weld, Colorado 123 $ 17,700,000 $ 143,902 $ 181,000
El Paso, Texas 122 $ 10,569,000 $ 86,631 $ 59,000
Chesterfield, Virginia 122 $ 17,014,000 $ 139,459 $ 59,000
San Francisco, California 121 $ 34,259,000 $ 283,132 $ 161,000
Butler, Pennsylvania 121 $ 12,252,000 $ 101,256 $ 52,000
Pitt, North Carolina 120 $ 9,531,000 $ 79,425 $ 47,000
Bell, Texas 120 $ 10,145,000 $ 84,541 $ 81,000
Hartford, Connecticut 118 $ 15,282,000 $ 129,508 $ 111,000
New Haven, Connecticut 117 $ 17,123,000 $ 146,350 $ 57,000
Lake, Indiana 117 $ 8,949,000 $ 76,487 $ 59,000
Kent, Michigan 117 $ 13,008,000 $ 111,179 $ 55,000
Douglas, Colorado 116 $ 25,696,000 $ 221,517 $ 114,000
Brevard, Florida 116 $ 12,207,000 $ 105,232 $ 54,000
Gloucester, New Jersey 116 $ 17,282,000 $ 148,982 $ 68,000
Ramsey, Minnesota 115 $ 18,617,000 $ 161,886 $ 89,000
Catawba, North Carolina 114 $ 10,493,000 $ 92,043 $ 51,000
Clermont, Ohio 114 $ 12,917,000 $ 113,307 $ 57,000
El Paso, Colorado 113 $ 15,261,000 $ 135,053 $ 79,000
Haywood, North Carolina 113 $ 10,134,000 $ 89,681 $ 44,000
Luzerne, Pennsylvania 113 $ 8,411,000 $ 74,433 $ 51,000
Weber, Utah 113 $ 10,760,000 $ 95,221 $ 74,000
Madison, Indiana 112 $ 6,849,000 $ 61,151 $ 37,000
Johnson, Kansas 112 $ 17,680,000 $ 157,857 $ 71,000
Richmond City, Virginia 112 $ 9,496,000 $ 84,785 $ 57,000
Will, Illinois 111 $ 16,720,000 $ 150,630 $ 72,000
Warren, Ohio 111 $ 15,163,000 $ 136,603 $ 64,000
Portage, Ohio 110 $ 14,459,000 $ 131,445 $ 72,000
Muskingum, Ohio 109 $ 7,700,000 $ 70,642 $ 36,000
Montgomery, Pennsylvania 109 $ 18,371,000 $ 168,541 $ 83,000
Alamance, North Carolina 107 $ 10,587,000 $ 98,943 $ 47,000
Richland, Ohio 107 $ 8,799,000 $ 82,233 $ 50,000
Whitley, Kentucky 106 $ 6,268,000 $ 59,132 $ 36,000
Stanislaus, California 105 $ 18,022,000 $ 171,638 $ 88,000
Fairfield, Ohio 105 $ 13,613,000 $ 129,647 $ 67,000
Lee, Florida 104 $ 12,278,000 $ 118,057 $ 96,000
Utah, Utah 104 $ 12,818,000 $ 123,250 $ 82,000
Kern, California 102 $ 13,137,000 $ 128,794 $ 76,000
Jefferson, Texas 101 $ 6,685,000 $ 66,188 $ 49,000
Greenville, South Carolina 100 $ 9,837,000 $ 98,370 $ 47,000
Sumter, South Carolina 100 $ 8,537,000 $ 85,370 $ 42,000
Hardin, Kentucky 99 $ 7,297,000 $ 73,707 $ 49,000
Scioto, Ohio 99 $ 6,297,000 $ 63,606 $ 34,000
Gaston, North Carolina 98 $ 8,791,000 $ 89,704 $ 52,000
Delaware, Pennsylvania 97 $ 10,896,000 $ 112,329 $ 86,000
Iredell, North Carolina 96 $ 9,882,000 $ 102,937 $ 50,000
Providence, Rhode Island 96 $ 17,499,000 $ 182,281 $ 62,000
Delaware, Indiana 95 $ 5,337,000 $ 56,178 $ 52,000
Wichita, Texas 95 $ 5,105,000 $ 53,736 $ 46,000
Northampton, Pennsylvania 94 $ 10,446,000 $ 111,127 $ 61,000
Kenton, Kentucky 93 $ 8,143,000 $ 87,559 $ 50,000
Lake, Ohio 93 $ 10,950,000 $ 117,741 $ 64,000
Ellis, Texas 93 $ 10,471,000 $ 112,591 $ 65,000
Clark, Indiana 92 $ 8,261,000 $ 89,793 $ 42,000
Burlington, New Jersey 92 $ 15,617,000 $ 169,750 $ 77,000
New Hanover, North Carolina 92 $ 11,497,000 $ 124,967 $ 60,000
Delaware, Ohio 92 $ 16,514,000 $ 179,500 $ 105,000
Erie, Pennsylvania 92 $ 5,887,000 $ 63,989 $ 41,000
Nash, North Carolina 91 $ 8,858,000 $ 97,340 $ 50,000
Canadian, Oklahoma 91 $ 7,702,000 $ 84,637 $ 47,000
Rutherford, North Carolina 90 $ 6,907,000 $ 76,744 $ 32,000
Orangeburg, South Carolina 90 $ 6,618,000 $ 73,533 $ 45,000
Caldwell, North Carolina 88 $ 6,911,000 $ 78,534 $ 40,000
Union, New Jersey 87 $ 20,277,000 $ 233,068 $ 87,000
Henrico, Virginia 87 $ 9,790,000 $ 112,528 $ 81,000
Bibb, Georgia 86 $ 5,550,000 $ 64,534 $ 53,000
Ingham, Michigan 86 $ 6,906,000 $ 80,302 $ 52,000
Washington, Oregon 86 $ 12,717,000 $ 147,872 $ 80,000
Lehigh, Pennsylvania 86 $ 7,819,000 $ 90,918 $ 54,000
Burke, North Carolina 85 $ 6,675,000 $ 78,529 $ 31,000
Lawrence, Pennsylvania 85 $ 6,193,000 $ 72,858 $ 41,000
Fayette, Kentucky 84 $ 8,376,000 $ 99,714 $ 216,000
Fresno, California 83 $ 12,277,000 $ 147,915 $ 94,000
Vanderburgh, Indiana 83 $ 4,361,000 $ 52,542 $ 32,000
Anne Arundel, Maryland 83 $ 16,393,000 $ 197,506 $ 90,000
Franklin, North Carolina 83 $ 7,438,000 $ 89,614 $ 56,000
Florence, South Carolina 83 $ 6,510,000 $ 78,433 $ 46,000
New Castle, Delaware 82 $ 10,127,000 $ 123,500 $ 73,000
Sarasota, Florida 82 $ 9,984,000 $ 121,756 $ 94,000
Lawrence, Ohio 82 $ 6,242,000 $ 76,121 $ 41,000
York, Pennsylvania 82 $ 7,364,000 $ 89,804 $ 62,000
Dorchester, South Carolina 82 $ 8,060,000 $ 98,292 $ 50,000
Clackamas, Oregon 81 $ 11,276,000 $ 139,209 $ 85,000
Bucks, Pennsylvania 81 $ 15,718,000 $ 194,049 $ 89,000
McLennan, Texas 81 $ 6,579,000 $ 81,222 $ 45,000
Wood, Ohio 80 $ 8,486,000 $ 106,075 $ 59,000
DuPage, Illinois 79 $ 14,223,000 $ 180,037 $ 103,000
St. Joseph, Indiana 79 $ 4,730,000 $ 59,873 $ 37,000
Fairfield, Connecticut 78 $ 19,614,000 $ 251,461 $ 124,000
Douglas, Nebraska 78 $ 5,920,000 $ 75,897 $ 72,000
Elkhart, Indiana 77 $ 7,083,000 $ 91,987 $ 58,000
Elko, Nevada 77 $ 7,167,000 $ 93,077 $ 56,000
Henderson, North Carolina 77 $ 8,369,000 $ 108,688 $ 48,000
Spartanburg, South Carolina 77 $ 5,776,000 $ 75,012 $ 43,000
Smith, Texas 77 $ 5,955,000 $ 77,337 $ 51,000
Lake, Illinois 76 $ 13,424,000 $ 176,631 $ 87,000
Bullitt, Kentucky 76 $ 6,453,000 $ 84,907 $ 47,000
Brown, Ohio 76 $ 6,765,000 $ 89,013 $ 46,000
Pottawatomie, Oklahoma 76 $ 4,603,000 $ 60,565 $ 37,000
Citrus, Florida 75 $ 5,156,000 $ 68,746 $ 44,000
Comanche, Oklahoma 75 $ 4,293,000 $ 57,240 $ 38,000
Hernando, Florida 74 $ 6,862,000 $ 92,729 $ 42,000
Carter, Oklahoma 74 $ 4,520,000 $ 61,081 $ 37,000
Walker, Georgia 73 $ 6,471,000 $ 88,643 $ 44,000
Passaic, New Jersey 73 $ 19,120,000 $ 261,917 $ 77,000
Creek, Oklahoma 72 $ 4,900,000 $ 68,055 $ 55,000
Lackawanna, Pennsylvania 72 $ 5,857,000 $ 81,347 $ 59,000
York, South Carolina 72 $ 6,665,000 $ 92,569 $ 51,000
Chesapeake, Virginia 72 $ 8,377,000 $ 116,347 $ 80,000
Pulaski, Arkansas 71 $ 6,401,000 $ 90,154 $ 54,000
Escambia, Florida 71 $ 4,518,000 $ 63,633 $ 231,000
Pinal, Arizona 70 $ 7,898,000 $ 112,828 $ 79,000
Medina, Ohio 70 $ 10,154,000 $ 145,057 $ 56,000
Kershaw, South Carolina 70 $ 5,396,000 $ 77,085 $ 47,000
Atlantic, New Jersey 68 $ 11,023,000 $ 162,102 $ 55,000
Chester, Pennsylvania 68 $ 11,858,000 $ 174,382 $ 87,000
Lancaster, Pennsylvania 68 $ 6,732,000 $ 99,000 $ 41,000
Whitfield, Georgia 67 $ 6,117,000 $ 91,298 $ 43,000
Harnett, North Carolina 67 $ 6,444,000 $ 96,179 $ 75,000
Marion, Ohio 67 $ 4,407,000 $ 65,776 $ 47,000
Knox, Kentucky 66 $ 3,533,000 $ 53,530 $ 40,000
Brunswick, North Carolina 66 $ 6,163,000 $ 93,378 $ 50,000
Ashtabula, Ohio 66 $ 6,531,000 $ 98,954 $ 59,000
Erie, Ohio 66 $ 5,888,000 $ 89,212 $ 53,000
Cambria, Pennsylvania 66 $ 3,786,000 $ 57,363 $ 36,000
Somerset, Pennsylvania 66 $ 4,563,000 $ 69,136 $ 41,000
Pima, Arizona 65 $ 7,868,000 $ 121,046 $ 133,000
Frederick, Virginia 65 $ 8,466,000 $ 130,246 $ 67,000
Sonoma, California 64 $ 13,462,000 $ 210,343 $ 157,000
Union, North Carolina 64 $ 9,311,000 $ 145,484 $ 65,000
Ross, Ohio 64 $ 5,372,000 $ 83,937 $ 54,000
Johnson, Texas 64 $ 6,393,000 $ 99,890 $ 63,000
Placer, California 63 $ 12,635,000 $ 200,555 $ 127,000
Catoosa, Georgia 63 $ 6,052,000 $ 96,063 $ 61,000
Clay, Missouri 63 $ 7,156,000 $ 113,587 $ 57,000
Robeson, North Carolina 63 $ 4,359,000 $ 69,190 $ 43,000
Greene, Ohio 63 $ 8,289,000 $ 131,571 $ 63,000
Monroe, Pennsylvania 63 $ 9,006,000 $ 142,952 $ 60,000
Laurens, South Carolina 63 $ 4,649,000 $ 73,793 $ 38,000
Harford, Maryland 62 $ 7,909,000 $ 127,564 $ 68,000
Bergen, New Jersey 62 $ 20,306,000 $ 327,516 $ 125,000
Ocean, New Jersey 62 $ 14,301,000 $ 230,661 $ 88,000
Portsmouth, Virginia 62 $ 4,902,000 $ 79,064 $ 65,000
Merced, California 61 $ 10,241,000 $ 167,885 $ 142,000
Gadsden, Florida 61 $ 4,198,000 $ 68,819 $ 40,000
Putnam, Florida 61 $ 4,454,000 $ 73,016 $ 40,000
Hall, Georgia 61 $ 7,607,000 $ 124,704 $ 56,000
Hudson, New Jersey 61 $ 16,544,000 $ 271,213 $ 78,000
Lincoln, North Carolina 61 $ 5,141,000 $ 84,278 $ 37,000
Rowan, North Carolina 61 $ 4,703,000 $ 77,098 $ 53,000
Anderson, South Carolina 61 $ 4,384,000 $ 71,868 $ 38,000
Davis, Utah 61 $ 6,957,000 $ 114,049 $ 91,000
Cherokee, Georgia 60 $ 7,497,000 $ 124,950 $ 56,000
Pulaski, Kentucky 60 $ 4,009,000 $ 66,816 $ 34,000
St. Lucie, Florida 59 $ 6,529,000 $ 110,661 $ 76,000
Tippecanoe, Indiana 59 $ 6,900,000 $ 116,949 $ 65,000
Harlan, Kentucky 59 $ 2,900,000 $ 49,152 $ 37,000
Davidson, North Carolina 59 $ 5,723,000 $ 97,000 $ 42,000
Granville, North Carolina 59 $ 5,723,000 $ 97,000 $ 53,000
Wilson, North Carolina 59 $ 5,238,000 $ 88,779 $ 52,000
Nueces, Texas 59 $ 5,140,000 $ 87,118 $ 82,000
Ada, Idaho 58 $ 7,923,000 $ 136,603 $ 85,000
Onslow, North Carolina 58 $ 4,598,000 $ 79,275 $ 49,000
Wayne, North Carolina 58 $ 4,885,000 $ 84,224 $ 43,000
Loudoun, Virginia 58 $ 16,765,000 $ 289,051 $ 100,000
Richmond, Georgia 57 $ 4,536,000 $ 79,578 $ 59,000
Kane, Illinois 57 $ 10,060,000 $ 176,491 $ 76,000
Jackson, Michigan 57 $ 5,710,000 $ 100,175 $ 57,000
Middlesex, New Jersey 57 $ 12,404,000 $ 217,614 $ 83,000
Marion, Oregon 57 $ 7,465,000 $ 130,964 $ 98,000
Hays, Texas 57 $ 7,031,000 $ 123,350 $ 94,000
Bell, Kentucky 56 $ 2,717,000 $ 48,517 $ 24,000
Craven, North Carolina 56 $ 4,970,000 $ 88,750 $ 72,000
Marin, California 55 $ 14,785,000 $ 268,818 $ 183,000
Boyd, Kentucky 55 $ 4,053,000 $ 73,690 $ 41,000
Monroe, Michigan 55 $ 7,394,000 $ 134,436 $ 77,000
Belmont, Ohio 55 $ 4,550,000 $ 82,727 $ 44,000
Dauphin, Pennsylvania 55 $ 3,956,000 $ 71,927 $ 39,000
Alachua, Florida 54 $ 4,667,000 $ 86,425 $ 47,000
Henry, Georgia 54 $ 7,773,000 $ 143,944 $ 57,000
Vance, North Carolina 54 $ 4,592,000 $ 85,037 $ 53,000
Sampson, North Carolina 53 $ 4,122,000 $ 77,773 $ 38,000
Rogers, Oklahoma 53 $ 5,274,000 $ 99,509 $ 49,000
Crawford, Pennsylvania 53 $ 3,614,000 $ 68,188 $ 57,000
Darlington, South Carolina 53 $ 3,698,000 $ 69,773 $ 51,000
Gregg, Texas 53 $ 3,187,000 $ 60,132 $ 59,000
Lubbock, Texas 53 $ 3,879,000 $ 73,188 $ 68,000
Boulder, Colorado 52 $ 11,161,000 $ 214,634 $ 127,000
Pueblo, Colorado 52 $ 4,748,000 $ 91,307 $ 100,000
Douglas, Georgia 52 $ 7,054,000 $ 135,653 $ 68,000
Monroe, Indiana 52 $ 5,555,000 $ 106,826 $ 83,000
Boone, Kentucky 52 $ 5,955,000 $ 114,519 $ 56,000
Berks, Pennsylvania 52 $ 5,921,000 $ 113,865 $ 52,000
Aiken, South Carolina 52 $ 4,292,000 $ 82,538 $ 43,000
Brazos, Texas 52 $ 4,990,000 $ 95,961 $ 111,000
Brown, Texas 52 $ 3,331,000 $ 64,057 $ 78,000
Clay, Florida 51 $ 4,768,000 $ 93,490 $ 60,000
St. Johns, Florida 51 $ 6,415,000 $ 125,784 $ 66,000
Dakota, Minnesota 51 $ 10,711,000 $ 210,019 $ 100,000
Randolph, North Carolina 51 $ 4,421,000 $ 86,686 $ 49,000
Miami, Ohio 51 $ 5,478,000 $ 107,411 $ 54,000
Hamilton, Indiana 50 $ 8,344,000 $ 166,880 $ 97,000
Wayne, Indiana 50 $ 3,612,000 $ 72,240 $ 41,000
Cabarrus, North Carolina 50 $ 4,642,000 $ 92,840 $ 60,000
Lenoir, North Carolina 50 $ 3,955,000 $ 79,100 $ 50,000
Roanoke City, Virginia 50 $ 4,403,000 $ 88,060 $ 50,000
Chatham, Georgia 49 $ 3,959,000 $ 80,795 $ 49,000
Logan, Ohio 49 $ 3,908,000 $ 79,755 $ 46,000
Colleton, South Carolina 49 $ 4,465,000 $ 91,122 $ 59,000
Bedford, Virginia 49 $ 4,109,000 $ 83,857 $ 37,000
Mecklenburg, Virginia 49 $ 3,620,000 $ 73,877 $ 47,000
Rockdale, Georgia 48 $ 7,073,000 $ 147,354 $ 73,000
Lawrence, Indiana 48 $ 3,180,000 $ 66,250 $ 44,000
Saginaw, Michigan 48 $ 4,243,000 $ 88,395 $ 59,000
Parker, Texas 48 $ 5,524,000 $ 115,083 $ 82,000
Monterey, California 47 $ 12,129,000 $ 258,063 $ 171,000
Monmouth, New Jersey 47 $ 13,573,000 $ 288,787 $ 98,000
Knox, Ohio 47 $ 5,205,000 $ 110,744 $ 44,000
Ottawa, Ohio 47 $ 6,393,000 $ 136,021 $ 62,000
Tulare, California 46 $ 5,007,000 $ 108,847 $ 88,000
Harrison, Indiana 46 $ 4,053,000 $ 88,108 $ 46,000
Henry, Indiana 46 $ 3,401,000 $ 73,934 $ 59,000
Sedgwick, Kansas 46 $ 3,750,000 $ 81,521 $ 44,000
Mercer, New Jersey 46 $ 5,814,000 $ 126,391 $ 93,000
Shelby, Tennessee 46 $ 3,557,000 $ 77,326 $ 27,000
Newport News, Virginia 46 $ 3,918,000 $ 85,173 $ 73,000
Howard, Indiana 45 $ 3,159,000 $ 70,200 $ 42,000
Scott, Indiana 45 $ 3,061,000 $ 68,022 $ 43,000
Warren, Kentucky 45 $ 4,058,000 $ 90,177 $ 47,000
Worcester, Massachusetts 45 $ 8,713,000 $ 193,622 $ 30,000
Rockingham, North Carolina 45 $ 3,054,000 $ 67,866 $ 57,000
Hancock, Ohio 45 $ 4,883,000 $ 108,511 $ 54,000
Comal, Texas 45 $ 5,963,000 $ 132,511 $ 69,000
Franklin, Virginia 45 $ 4,188,000 $ 93,066 $ 44,000
Manatee, Florida 44 $ 4,586,000 $ 104,227 $ 64,000
Murray, Georgia 44 $ 4,076,000 $ 92,636 $ 53,000
Floyd, Indiana 44 $ 4,007,000 $ 91,068 $ 50,000
Grant, Indiana 44 $ 2,372,000 $ 53,909 $ 33,000
Hendricks, Indiana 44 $ 4,838,000 $ 109,954 $ 54,000
Madison, Kentucky 44 $ 3,840,000 $ 87,272 $ 50,000
Howard, Maryland 44 $ 9,276,000 $ 210,818 $ 92,000
Person, North Carolina 44 $ 4,580,000 $ 104,090 $ 44,000
Clinton, Ohio 44 $ 4,308,000 $ 97,909 $ 52,000
Huron, Ohio 44 $ 4,588,000 $ 104,272 $ 46,000
Guadalupe, Texas 44 $ 3,054,000 $ 69,409 $ 62,000
Kaufman, Texas 44 $ 3,943,000 $ 89,613 $ 64,000
Hampton, Virginia 44 $ 3,617,000 $ 82,204 $ 58,000
Bay, Florida 43 $ 5,060,000 $ 117,674 $ 60,000
St. Tammany, Louisiana 43 $ 4,364,000 $ 101,488 $ 77,000
Cumberland, New Jersey 43 $ 4,475,000 $ 104,069 $ 61,000
Cleveland, North Carolina 43 $ 3,684,000 $ 85,674 $ 53,000
Wagoner, Oklahoma 43 $ 3,878,000 $ 90,186 $ 48,000
Bastrop, Texas 43 $ 3,962,000 $ 92,139 $ 58,000
Larimer, Colorado 42 $ 7,632,000 $ 181,714 $ 72,000
District of Columbia, District Of Columbia 42 $ 8,412,000 $ 200,285 $ 68,000
Collier, Florida 42 $ 7,143,000 $ 170,071 $ 123,000
Paulding, Georgia 42 $ 5,330,000 $ 126,904 $ 72,000
Edgecombe, North Carolina 42 $ 3,033,000 $ 72,214 $ 43,000
Moore, North Carolina 42 $ 4,636,000 $ 110,380 $ 55,000
Armstrong, Pennsylvania 42 $ 2,991,000 $ 71,214 $ 55,000
Jefferson, West Virginia 42 $ 6,089,000 $ 144,976 $ 54,000
Jackson, Georgia 41 $ 3,851,000 $ 93,926 $ 49,000
Nelson, Kentucky 41 $ 3,121,000 $ 76,121 $ 46,000
Frederick, Maryland 41 $ 8,540,000 $ 208,292 $ 83,000
Allen, Ohio 41 $ 3,181,000 $ 77,585 $ 43,000
Highland, Ohio 41 $ 3,603,000 $ 87,878 $ 45,000
Kitsap, Washington 41 $ 5,591,000 $ 136,365 $ 118,000
Santa Cruz, California 40 $ 9,159,000 $ 228,975 $ 179,000
Montgomery, Indiana 40 $ 2,963,000 $ 74,075 $ 44,000
Greenup, Kentucky 40 $ 2,815,000 $ 70,375 $ 38,000
Anoka, Minnesota 40 $ 6,263,000 $ 156,575 $ 101,000
Tuscarawas, Ohio 40 $ 3,561,000 $ 89,025 $ 43,000
Wayne, Ohio 40 $ 3,746,000 $ 93,650 $ 51,000
Beaufort, South Carolina 40 $ 5,392,000 $ 134,800 $ 84,000
Nassau, Florida 39 $ 3,706,000 $ 95,025 $ 74,000
Wakulla, Florida 39 $ 2,709,000 $ 69,461 $ 45,000
Morgan, Indiana 39 $ 3,694,000 $ 94,717 $ 74,000
McCracken, Kentucky 39 $ 2,563,000 $ 65,717 $ 38,000
Jefferson, Ohio 39 $ 2,457,000 $ 63,000 $ 44,000
Indiana, Pennsylvania 39 $ 2,691,000 $ 69,000 $ 59,000
Lancaster, South Carolina 39 $ 2,986,000 $ 76,564 $ 36,000
Webb, Texas 39 $ 3,501,000 $ 89,769 $ 75,000
Warren, Virginia 39 $ 6,104,000 $ 156,512 $ 57,000
Carroll, Georgia 38 $ 3,862,000 $ 101,631 $ 53,000
Walton, Georgia 38 $ 3,751,000 $ 98,710 $ 47,000
Charles, Maryland 38 $ 7,617,000 $ 200,447 $ 67,000
Berrien, Michigan 38 $ 3,215,000 $ 84,605 $ 54,000
Lenawee, Michigan 38 $ 4,510,000 $ 118,684 $ 52,000
Carteret, North Carolina 38 $ 4,136,000 $ 108,842 $ 54,000
Chatham, North Carolina 38 $ 4,417,000 $ 116,236 $ 55,000
Pender, North Carolina 38 $ 3,202,000 $ 84,263 $ 49,000
Washington, Utah 38 $ 4,545,000 $ 119,605 $ 69,000
Cowlitz, Washington 38 $ 3,080,000 $ 81,052 $ 56,000
El Dorado, California 37 $ 7,355,000 $ 198,783 $ 100,000
Clarke, Georgia 37 $ 3,722,000 $ 100,594 $ 49,000
Bartholomew, Indiana 37 $ 3,702,000 $ 100,054 $ 53,000
Greene, Indiana 37 $ 2,298,000 $ 62,108 $ 31,000
Clay, Kentucky 37 $ 1,996,000 $ 53,945 $ 36,000
Calhoun, Michigan 37 $ 3,477,000 $ 93,972 $ 81,000
Livingston, Michigan 37 $ 6,410,000 $ 173,243 $ 78,000
Duplin, North Carolina 37 $ 2,887,000 $ 78,027 $ 42,000
Rockwall, Texas 37 $ 6,887,000 $ 186,135 $ 129,000
Spotsylvania, Virginia 37 $ 6,805,000 $ 183,918 $ 102,000
Faulkner, Arkansas 36 $ 4,110,000 $ 114,166 $ 47,000
Forsyth, Georgia 36 $ 6,325,000 $ 175,694 $ 91,000
Newton, Georgia 36 $ 4,049,000 $ 112,472 $ 59,000
Meade, Kentucky 36 $ 2,759,000 $ 76,638 $ 40,000
Pickaway, Ohio 36 $ 4,283,000 $ 118,972 $ 63,000
Grayson, Texas 36 $ 2,900,000 $ 80,555 $ 76,000
Liberty, Texas 36 $ 2,615,000 $ 72,638 $ 61,000
Kanawha, West Virginia 36 $ 2,379,000 $ 66,083 $ 51,000
Sullivan, Indiana 35 $ 1,882,000 $ 53,771 $ 32,000
Campbell, Kentucky 35 $ 3,267,000 $ 93,342 $ 45,000
Oldham, Kentucky 35 $ 4,211,000 $ 120,314 $ 76,000
St. Clair, Michigan 35 $ 5,137,000 $ 146,771 $ 50,000
Washtenaw, Michigan 35 $ 6,382,000 $ 182,342 $ 98,000
Pittsylvania, Virginia 35 $ 3,000,000 $ 85,714 $ 40,000
Yavapai, Arizona 34 $ 5,358,000 $ 157,588 $ 106,000
Johnson, Indiana 34 $ 3,733,000 $ 109,794 $ 77,000
Grant, Kentucky 34 $ 2,890,000 $ 85,000 $ 49,000
Bristol, Massachusetts 34 $ 6,820,000 $ 200,588 $ 3,000
Bay, Michigan 34 $ 2,751,000 $ 80,911 $ 50,000
Franklin, Missouri 34 $ 3,146,000 $ 92,529 $ 39,000
Union, Ohio 34 $ 4,388,000 $ 129,058 $ 69,000
Muskogee, Oklahoma 34 $ 2,056,000 $ 60,470 $ 31,000
Jackson, Florida 33 $ 2,310,000 $ 70,000 $ 40,000
Winnebago, Illinois 33 $ 3,182,000 $ 96,424 $ 72,000
Washington, Indiana 33 $ 2,466,000 $ 74,727 $ 37,000
Plymouth, Massachusetts 33 $ 6,673,000 $ 202,212 $ 17,000
Crawford, Ohio 33 $ 2,220,000 $ 67,272 $ 44,000
Perry, Ohio 33 $ 2,510,000 $ 76,060 $ 40,000
Lane, Oregon 33 $ 3,626,000 $ 109,878 $ 55,000
Danville, Virginia 33 $ 1,846,000 $ 55,939 $ 51,000
Lynchburg, Virginia 33 $ 3,054,000 $ 92,545 $ 42,000
McHenry, Illinois 32 $ 4,351,000 $ 135,968 $ 78,000
Dearborn, Indiana 32 $ 3,249,000 $ 101,531 $ 58,000
Kosciusko, Indiana 32 $ 2,605,000 $ 81,406 $ 44,000
Noble, Indiana 32 $ 2,361,000 $ 73,781 $ 50,000
Carroll, Maryland 32 $ 7,175,000 $ 224,218 $ 80,000
Lapeer, Michigan 32 $ 4,897,000 $ 153,031 $ 53,000
Halifax, North Carolina 32 $ 2,450,000 $ 76,562 $ 49,000
Athens, Ohio 32 $ 2,131,000 $ 66,593 $ 36,000
Champaign, Ohio 32 $ 3,577,000 $ 111,781 $ 45,000
Hocking, Ohio 32 $ 2,860,000 $ 89,375 $ 143,000
Sandusky, Ohio 32 $ 3,595,000 $ 112,343 $ 68,000
Grady, Oklahoma 32 $ 1,823,000 $ 56,968 $ 33,000
Marshall, Kentucky 31 $ 2,038,000 $ 65,741 $ 45,000
Beaufort, North Carolina 31 $ 3,040,000 $ 98,064 $ 53,000
Auglaize, Ohio 31 $ 2,980,000 $ 96,129 $ 52,000
Harrison, Ohio 31 $ 2,068,000 $ 66,709 $ 33,000
Morrow, Ohio 31 $ 3,169,000 $ 102,225 $ 49,000
Blair, Pennsylvania 31 $ 1,783,000 $ 57,516 $ 35,000
Kent, Rhode Island 31 $ 6,401,000 $ 206,483 $ 59,000
Hunt, Texas 31 $ 2,304,000 $ 74,322 $ 118,000
Martin, Florida 30 $ 5,127,000 $ 170,900 $ 126,000
Santa Rosa, Florida 30 $ 2,131,000 $ 71,033 $ 47,000
Muscogee, Georgia 30 $ 2,906,000 $ 96,866 $ 48,000
Canyon, Idaho 30 $ 2,316,000 $ 77,200 $ 61,000
Clay, Indiana 30 $ 2,231,000 $ 74,366 $ 33,000
DeKalb, Indiana 30 $ 2,716,000 $ 90,533 $ 51,000
Wayne, Kentucky 30 $ 1,796,000 $ 59,866 $ 32,000
East Baton Rouge, Louisiana 30 $ 2,689,000 $ 89,633 $ 61,000
Bernalillo, New Mexico 30 $ 3,409,000 $ 113,633 $ 74,000
Wilkes, North Carolina 30 $ 2,414,000 $ 80,466 $ 52,000
Marion, South Carolina 30 $ 1,912,000 $ 63,733 $ 40,000
Davidson, Tennessee 30 $ 2,813,000 $ 93,766 $ 35,000
Maverick, Texas 30 $ 2,383,000 $ 79,433 $ 52,000
Ohio, West Virginia 30 $ 2,398,000 $ 79,933 $ 47,000
Jefferson, Alabama 29 $ 2,870,000 $ 98,965 $ 0
Santa Barbara, California 29 $ 5,618,000 $ 193,724 $ 209,000
Fayette, Georgia 29 $ 6,354,000 $ 219,103 $ 86,000
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Mortgage Loan Application Detail Totals for The Cit Group/Consumer Finance in 2004

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 39,846 $4,254,976,000 $127,104 $2,400,000 $72,583 $4,788,000
Home Purchase 34,554 $4,184,286,000 $131,820 $6,000,000 $52,100 $4,397,000
Home Improvement 11,426 $1,429,583,000 $134,409 $999,000 $70,295 $4,200,000

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 37,362 $4,129,041,000 $124,714 $2,400,000 $71,897 $4,788,000
Not Provided 19,542 $2,107,459,000 $137,808 $2,165,000 $72,553 $4,397,000
Black or African American 13,322 $1,373,856,000 $112,300 $6,000,000 $64,425 $4,200,000
Not applicable 7,780 $1,242,878,000 $136,500 $1,000,000 $1,854 $724,000
Hispanic 5,846 $677,791,000 $116,075 $1,200,000 $61,450 $1,578,000
Asian 1,527 $276,061,000 $156,656 $1,100,000 $89,093 $1,255,000
Native Hawaiian or Other Pacific Islander 241 $38,554,000 $132,185 $1,075,000 $69,333 $360,000
American Indian or Alaskan Native 206 $23,205,000 $112,739 $757,000 $63,434 $405,000

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) 85,826 $9,868,845,000 $135,215 $6,000,000 $61,215 $4,788,000
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 27,319 $2,855,555,000 $110,125 $1,000,000 $71,525 $2,700,000
Loan Originated 19,138 $2,115,112,000 $122,976 $1,000,000 $80,595 $1,783,000
Application Denied By Financial Institution 15,532 $1,625,070,000 $135,255 $1,200,000 $68,489 $2,992,000
Application Withdrawn By Applicant 14,842 $1,864,131,000 $132,108 $6,000,000 $82,478 $4,788,000
Loan Purchased By The Institution 8,995 $1,408,977,000 $135,770 $1,000,000 $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 2004 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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