The Cit Group/Consumer Finance Mortgage Lending & HMDA Data, 2005

In 2005, The Cit Group/Consumer Finance of Livingston, NJ reported 82,389 mortgage applications totaling $10.2 billion, down 4% from 2004. The average application was for $123,441, and applicants reported an average income of $61,561. 25% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Houston-Baytown-Sugar Land, TX (3,404), Chicago-Naperville-Joliet, IL (2,547) and Atlanta-Sandy Springs-Marietta, GA (2,364) (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 82,389
Total Mortgage Loan Application Amount $10,170,215,000
Average Mortgage Loan Application Amount $123,441
Highest Mortgage Loan Application Amount $2,700,000
Average Applicant Income $61,561
Highest Applicant Income $5,021,000

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records The Cit Group/Consumer Finance filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Harris, Texas 2,396 $ 230,765,000 $ 96,312 $ 68,000
Cook, Illinois 2,126 $ 338,549,000 $ 159,242 $ 74,000
Maricopa, Arizona 1,755 $ 256,296,000 $ 146,037 $ 78,000
Wayne, Michigan 1,708 $ 152,096,000 $ 89,049 $ 54,000
Los Angeles, California 1,610 $ 388,379,000 $ 241,229 $ 131,000
Bexar, Texas 1,178 $ 91,183,000 $ 77,404 $ 60,000
Dallas, Texas 1,149 $ 109,205,000 $ 95,043 $ 91,000
Clark, Nevada 1,113 $ 199,012,000 $ 178,806 $ 87,000
Allegheny, Pennsylvania 1,101 $ 85,840,000 $ 77,965 $ 64,000
Franklin, Ohio 1,025 $ 91,393,000 $ 89,163 $ 62,000
St. Louis, Missouri 904 $ 91,394,000 $ 101,099 $ 54,000
Oklahoma, Oklahoma 764 $ 54,030,000 $ 70,719 $ 45,000
Hamilton, Ohio 763 $ 77,066,000 $ 101,003 $ 60,000
Tarrant, Texas 735 $ 69,994,000 $ 95,229 $ 72,000
Tulsa, Oklahoma 692 $ 54,749,000 $ 79,117 $ 61,000
San Diego, California 685 $ 172,742,000 $ 252,178 $ 131,000
Riverside, California 615 $ 132,728,000 $ 215,817 $ 136,000
Lucas, Ohio 610 $ 50,381,000 $ 82,591 $ 44,000
Miami-Dade, Florida 595 $ 99,243,000 $ 166,794 $ 82,000
Broward, Florida 586 $ 95,920,000 $ 163,686 $ 76,000
Marion, Indiana 543 $ 41,562,000 $ 76,541 $ 50,000
St. Louis City, Missouri 530 $ 42,997,000 $ 81,126 $ 49,000
Hillsborough, Florida 529 $ 62,066,000 $ 117,327 $ 59,000
Wake, North Carolina 521 $ 61,025,000 $ 117,130 $ 64,000
Jackson, Missouri 519 $ 42,681,000 $ 82,236 $ 55,000
Fulton, Georgia 514 $ 72,577,000 $ 141,200 $ 79,000
Orange, Florida 499 $ 62,538,000 $ 125,326 $ 68,000
Salt Lake, Utah 461 $ 53,502,000 $ 116,056 $ 66,000
San Bernardino, California 455 $ 92,180,000 $ 202,593 $ 110,000
Summit, Ohio 447 $ 38,501,000 $ 86,131 $ 50,000
Fort Bend, Texas 447 $ 51,535,000 $ 115,290 $ 83,000
Montgomery, Ohio 444 $ 37,510,000 $ 84,481 $ 53,000
Denver, Colorado 443 $ 61,314,000 $ 138,406 $ 70,000
Arapahoe, Colorado 438 $ 57,423,000 $ 131,102 $ 66,000
Prince George's, Maryland 434 $ 90,974,000 $ 209,617 $ 80,000
Philadelphia, Pennsylvania 434 $ 36,895,000 $ 85,011 $ 51,000
Palm Beach, Florida 429 $ 72,911,000 $ 169,955 $ 79,000
Stark, Ohio 429 $ 32,523,000 $ 75,811 $ 44,000
Sacramento, California 422 $ 91,111,000 $ 215,902 $ 88,000
Alameda, California 414 $ 114,414,000 $ 276,362 $ 131,000
DeKalb, Georgia 394 $ 46,173,000 $ 117,190 $ 61,000
Jefferson, Kentucky 390 $ 33,766,000 $ 86,579 $ 47,000
Contra Costa, California 387 $ 97,388,000 $ 251,648 $ 123,000
Cuyahoga, Ohio 383 $ 41,685,000 $ 108,838 $ 65,000
Mahoning, Ohio 377 $ 28,227,000 $ 74,872 $ 43,000
Westmoreland, Pennsylvania 371 $ 29,643,000 $ 79,900 $ 50,000
Oakland, Michigan 367 $ 59,497,000 $ 162,117 $ 94,000
Travis, Texas 358 $ 50,210,000 $ 140,251 $ 79,000
Adams, Colorado 349 $ 44,184,000 $ 126,601 $ 64,000
Mecklenburg, North Carolina 339 $ 35,093,000 $ 103,519 $ 61,000
Hidalgo, Texas 326 $ 28,281,000 $ 86,751 $ 55,000
Butler, Ohio 320 $ 31,982,000 $ 99,943 $ 52,000
Orange, California 315 $ 79,927,000 $ 253,736 $ 145,000
Multnomah, Oregon 307 $ 37,404,000 $ 121,837 $ 83,000
Duval, Florida 298 $ 28,140,000 $ 94,429 $ 57,000
Baltimore City, Maryland 297 $ 25,921,000 $ 87,276 $ 69,000
Pinellas, Florida 290 $ 36,252,000 $ 125,006 $ 66,000
Gwinnett, Georgia 288 $ 38,635,000 $ 134,149 $ 87,000
San Joaquin, California 287 $ 67,419,000 $ 234,909 $ 105,000
Collin, Texas 281 $ 40,573,000 $ 144,387 $ 94,000
Santa Clara, California 280 $ 75,223,000 $ 268,653 $ 144,000
Trumbull, Ohio 266 $ 22,359,000 $ 84,056 $ 46,000
King, Washington 265 $ 48,526,000 $ 183,116 $ 92,000
Denton, Texas 254 $ 32,944,000 $ 129,700 $ 77,000
Jefferson, Colorado 251 $ 38,981,000 $ 155,302 $ 95,000
Allen, Indiana 249 $ 16,946,000 $ 68,056 $ 40,000
Genesee, Michigan 238 $ 19,593,000 $ 82,323 $ 47,000
Lee, Florida 233 $ 34,525,000 $ 148,175 $ 83,000
Macomb, Michigan 230 $ 28,896,000 $ 125,634 $ 62,000
Solano, California 225 $ 51,974,000 $ 230,995 $ 103,000
Cobb, Georgia 221 $ 30,404,000 $ 137,574 $ 67,000
Vigo, Indiana 221 $ 13,515,000 $ 61,153 $ 36,000
Polk, Florida 216 $ 19,311,000 $ 89,402 $ 47,000
Baltimore, Maryland 215 $ 34,573,000 $ 160,804 $ 75,000
Volusia, Florida 199 $ 22,693,000 $ 114,035 $ 50,000
Horry, South Carolina 199 $ 21,858,000 $ 109,839 $ 62,000
Guilford, North Carolina 197 $ 20,715,000 $ 105,152 $ 65,000
Milwaukee, Wisconsin 197 $ 18,955,000 $ 96,218 $ 60,000
Pierce, Washington 195 $ 30,684,000 $ 157,353 $ 69,000
Montgomery, Texas 194 $ 22,310,000 $ 115,000 $ 83,000
Clark, Washington 194 $ 24,641,000 $ 127,015 $ 65,000
Essex, New Jersey 193 $ 44,390,000 $ 230,000 $ 86,000
Warren, Ohio 192 $ 23,335,000 $ 121,536 $ 69,000
Osceola, Florida 185 $ 24,164,000 $ 130,616 $ 67,000
Fresno, California 183 $ 30,137,000 $ 164,683 $ 78,000
Richland, South Carolina 180 $ 17,605,000 $ 97,805 $ 57,000
St. Charles, Missouri 179 $ 22,793,000 $ 127,335 $ 55,000
Durham, North Carolina 179 $ 16,421,000 $ 91,737 $ 70,000
Fayette, Pennsylvania 179 $ 13,435,000 $ 75,055 $ 46,000
Hennepin, Minnesota 178 $ 29,157,000 $ 163,803 $ 74,000
Galveston, Texas 178 $ 18,665,000 $ 104,859 $ 68,000
Lorain, Ohio 176 $ 18,459,000 $ 104,880 $ 55,000
Cameron, Texas 176 $ 12,441,000 $ 70,687 $ 45,000
Pasco, Florida 175 $ 18,388,000 $ 105,074 $ 75,000
El Paso, Colorado 168 $ 21,762,000 $ 129,535 $ 78,000
Charleston, South Carolina 167 $ 20,725,000 $ 124,101 $ 61,000
Lake, Florida 161 $ 18,383,000 $ 114,180 $ 57,000
New Haven, Connecticut 158 $ 25,414,000 $ 160,848 $ 62,000
Chesterfield, Virginia 158 $ 19,719,000 $ 124,803 $ 56,000
Clayton, Georgia 154 $ 15,728,000 $ 102,129 $ 45,000
Kern, California 153 $ 25,868,000 $ 169,071 $ 85,000
Washington, Pennsylvania 153 $ 14,122,000 $ 92,300 $ 64,000
Jefferson, Missouri 152 $ 18,279,000 $ 120,256 $ 57,000
Clermont, Ohio 152 $ 15,905,000 $ 104,638 $ 48,000
El Paso, Texas 151 $ 13,668,000 $ 90,516 $ 57,000
Will, Illinois 150 $ 22,973,000 $ 153,153 $ 75,000
Marion, Florida 149 $ 15,032,000 $ 100,885 $ 62,000
Laurel, Kentucky 149 $ 11,040,000 $ 74,093 $ 38,000
Snohomish, Washington 149 $ 27,732,000 $ 186,120 $ 92,000
Cleveland, Oklahoma 148 $ 11,671,000 $ 78,858 $ 46,000
Brazoria, Texas 148 $ 17,344,000 $ 117,189 $ 87,000
Montgomery, Maryland 147 $ 36,532,000 $ 248,517 $ 104,000
Ventura, California 146 $ 38,309,000 $ 262,390 $ 143,000
Stanislaus, California 145 $ 31,046,000 $ 214,110 $ 182,000
Providence, Rhode Island 142 $ 28,258,000 $ 199,000 $ 33,000
Mercer, Pennsylvania 141 $ 9,656,000 $ 68,482 $ 46,000
Utah, Utah 140 $ 18,938,000 $ 135,271 $ 86,000
Seminole, Florida 139 $ 18,190,000 $ 130,863 $ 72,000
Vanderburgh, Indiana 139 $ 10,074,000 $ 72,474 $ 43,000
Johnston, North Carolina 139 $ 12,773,000 $ 91,892 $ 49,000
Lake, Indiana 138 $ 11,349,000 $ 82,239 $ 54,000
Lawrence, Pennsylvania 138 $ 9,199,000 $ 66,659 $ 41,000
Johnson, Kansas 137 $ 17,743,000 $ 129,510 $ 62,000
Washington, Oregon 137 $ 20,859,000 $ 152,255 $ 72,000
Williamson, Texas 137 $ 14,486,000 $ 105,737 $ 67,000
DuPage, Illinois 136 $ 24,727,000 $ 181,816 $ 69,000
Anne Arundel, Maryland 134 $ 28,577,000 $ 213,261 $ 89,000
Lexington, South Carolina 133 $ 12,534,000 $ 94,240 $ 51,000
St. Lucie, Florida 132 $ 19,748,000 $ 149,606 $ 72,000
Berkeley, South Carolina 132 $ 12,467,000 $ 94,446 $ 58,000
Pulaski, Arkansas 131 $ 13,228,000 $ 100,977 $ 75,000
San Mateo, California 130 $ 37,155,000 $ 285,807 $ 178,000
Cumberland, North Carolina 130 $ 9,838,000 $ 75,676 $ 57,000
Fairfax, Virginia 130 $ 34,111,000 $ 262,392 $ 115,000
Prince William, Virginia 130 $ 32,699,000 $ 251,530 $ 73,000
Orleans, Louisiana 129 $ 13,413,000 $ 103,976 $ 63,000
Butler, Pennsylvania 129 $ 13,617,000 $ 105,558 $ 57,000
Clackamas, Oregon 128 $ 20,065,000 $ 156,757 $ 100,000
Monterey, California 127 $ 31,566,000 $ 248,551 $ 151,000
Camden, New Jersey 126 $ 16,723,000 $ 132,722 $ 67,000
Columbiana, Ohio 126 $ 10,470,000 $ 83,095 $ 45,000
Kent, Michigan 125 $ 14,566,000 $ 116,528 $ 58,000
Fairfield, Connecticut 122 $ 32,206,000 $ 263,983 $ 130,000
Lake, Illinois 122 $ 21,268,000 $ 174,327 $ 67,000
Jefferson, Louisiana 122 $ 13,893,000 $ 113,877 $ 62,000
Alamance, North Carolina 122 $ 10,858,000 $ 89,000 $ 47,000
Hartford, Connecticut 121 $ 19,134,000 $ 158,132 $ 70,000
Douglas, Colorado 120 $ 20,680,000 $ 172,333 $ 89,000
Comanche, Oklahoma 120 $ 7,455,000 $ 62,125 $ 38,000
Beaver, Pennsylvania 120 $ 9,121,000 $ 76,008 $ 57,000
Weld, Colorado 119 $ 16,252,000 $ 136,571 $ 67,000
Larimer, Colorado 118 $ 18,452,000 $ 156,372 $ 71,000
Elko, Nevada 117 $ 10,863,000 $ 92,846 $ 66,000
Washoe, Nevada 115 $ 22,718,000 $ 197,547 $ 72,000
Brevard, Florida 114 $ 13,137,000 $ 115,236 $ 67,000
St. Clair, Illinois 113 $ 8,506,000 $ 75,274 $ 47,000
Buncombe, North Carolina 112 $ 12,500,000 $ 111,607 $ 47,000
Henrico, Virginia 112 $ 14,422,000 $ 128,767 $ 60,000
Clark, Ohio 111 $ 9,146,000 $ 82,396 $ 59,000
Pinal, Arizona 110 $ 14,170,000 $ 128,818 $ 55,000
Forsyth, North Carolina 110 $ 10,370,000 $ 94,272 $ 57,000
Pima, Arizona 104 $ 14,678,000 $ 141,134 $ 51,000
Madison, Indiana 104 $ 6,514,000 $ 62,634 $ 40,000
Fairfield, Ohio 104 $ 11,641,000 $ 111,932 $ 55,000
Licking, Ohio 104 $ 9,756,000 $ 93,807 $ 55,000
Jefferson, Alabama 103 $ 9,442,000 $ 91,669 $ 0
Portage, Ohio 103 $ 10,931,000 $ 106,126 $ 48,000
Delaware, Pennsylvania 103 $ 13,350,000 $ 129,611 $ 56,000
Bell, Texas 103 $ 8,218,000 $ 79,786 $ 54,000
Nash, North Carolina 102 $ 7,643,000 $ 74,931 $ 48,000
Newton, Georgia 101 $ 9,229,000 $ 91,376 $ 49,000
Pitt, North Carolina 100 $ 9,418,000 $ 94,180 $ 68,000
Madison, Illinois 99 $ 7,625,000 $ 77,020 $ 42,000
St. Joseph, Indiana 99 $ 6,375,000 $ 64,393 $ 39,000
Davis, Utah 99 $ 13,662,000 $ 138,000 $ 101,000
Delaware, Ohio 98 $ 16,315,000 $ 166,479 $ 92,000
Montgomery, Pennsylvania 98 $ 20,744,000 $ 211,673 $ 87,000
Dorchester, South Carolina 98 $ 10,520,000 $ 107,346 $ 59,000
Wyandotte, Kansas 97 $ 7,604,000 $ 78,391 $ 37,000
Lake, Ohio 97 $ 12,653,000 $ 130,443 $ 64,000
Greenville, South Carolina 97 $ 8,758,000 $ 90,288 $ 49,000
Sonoma, California 95 $ 18,404,000 $ 193,726 $ 147,000
Cherokee, Georgia 95 $ 14,591,000 $ 153,589 $ 70,000
Marion, Oregon 95 $ 11,447,000 $ 120,494 $ 68,000
York, Pennsylvania 95 $ 10,741,000 $ 113,063 $ 52,000
Union, New Jersey 93 $ 22,504,000 $ 241,978 $ 79,000
Medina, Ohio 91 $ 13,414,000 $ 147,406 $ 62,000
Kenton, Kentucky 90 $ 9,188,000 $ 102,088 $ 43,000
Wichita, Texas 88 $ 5,486,000 $ 62,340 $ 43,000
York, South Carolina 87 $ 8,511,000 $ 97,827 $ 70,000
Virginia Beach, Virginia 87 $ 14,201,000 $ 163,229 $ 82,000
Marion, Ohio 86 $ 5,817,000 $ 67,639 $ 59,000
Richmond City, Virginia 85 $ 7,654,000 $ 90,047 $ 43,000
Muskegon, Michigan 82 $ 6,171,000 $ 75,256 $ 38,000
Bucks, Pennsylvania 81 $ 15,138,000 $ 186,888 $ 85,000
Jefferson, Texas 81 $ 5,119,000 $ 63,197 $ 48,000
Ellis, Texas 80 $ 8,612,000 $ 107,650 $ 62,000
Greene, Ohio 78 $ 7,508,000 $ 96,256 $ 48,000
Faulkner, Arkansas 77 $ 7,260,000 $ 94,285 $ 51,000
San Francisco, California 77 $ 23,173,000 $ 300,948 $ 167,000
Henry, Georgia 77 $ 8,908,000 $ 115,688 $ 108,000
Ashtabula, Ohio 77 $ 6,426,000 $ 83,454 $ 55,000
Merced, California 76 $ 15,389,000 $ 202,486 $ 113,000
Clark, Indiana 75 $ 7,729,000 $ 103,053 $ 44,000
Gaston, North Carolina 75 $ 7,036,000 $ 93,813 $ 42,000
Canadian, Oklahoma 75 $ 6,270,000 $ 83,600 $ 56,000
Maverick, Texas 75 $ 5,183,000 $ 69,106 $ 40,000
New Castle, Delaware 73 $ 11,124,000 $ 152,383 $ 53,000
Hardin, Kentucky 73 $ 6,658,000 $ 91,205 $ 44,000
Wood, Ohio 73 $ 8,903,000 $ 121,958 $ 77,000
Shelby, Tennessee 73 $ 6,507,000 $ 89,136 $ 30,000
Collier, Florida 72 $ 13,070,000 $ 181,527 $ 85,000
Davidson, North Carolina 72 $ 6,537,000 $ 90,791 $ 52,000
Berkeley, West Virginia 72 $ 9,708,000 $ 134,833 $ 49,000
Sarasota, Florida 71 $ 9,794,000 $ 137,943 $ 73,000
Hamilton, Indiana 71 $ 10,549,000 $ 148,577 $ 82,000
Lehigh, Pennsylvania 71 $ 7,295,000 $ 102,746 $ 62,000
McLennan, Texas 71 $ 4,714,000 $ 66,394 $ 52,000
Burlington, New Jersey 70 $ 13,842,000 $ 197,742 $ 72,000
Harnett, North Carolina 70 $ 6,337,000 $ 90,528 $ 49,000
Catoosa, Georgia 69 $ 6,964,000 $ 100,927 $ 57,000
Douglas, Georgia 69 $ 7,966,000 $ 115,449 $ 52,000
Paulding, Georgia 69 $ 7,077,000 $ 102,565 $ 54,000
Harford, Maryland 69 $ 12,269,000 $ 177,811 $ 75,000
Roanoke City, Virginia 69 $ 4,772,000 $ 69,159 $ 47,000
Placer, California 68 $ 18,110,000 $ 266,323 $ 124,000
Ingham, Michigan 68 $ 6,801,000 $ 100,014 $ 48,000
Dakota, Minnesota 68 $ 14,504,000 $ 213,294 $ 79,000
New Hanover, North Carolina 68 $ 7,866,000 $ 115,676 $ 56,000
Erie, Pennsylvania 68 $ 4,712,000 $ 69,294 $ 36,000
Northampton, Pennsylvania 68 $ 9,060,000 $ 133,235 $ 81,000
Weber, Utah 68 $ 7,721,000 $ 113,544 $ 54,000
Whitley, Kentucky 67 $ 4,024,000 $ 60,059 $ 36,000
Monmouth, New Jersey 67 $ 17,494,000 $ 261,104 $ 100,000
Somerset, Pennsylvania 67 $ 5,739,000 $ 85,656 $ 43,000
Washtenaw, Michigan 66 $ 10,921,000 $ 165,469 $ 61,000
Anoka, Minnesota 66 $ 10,907,000 $ 165,257 $ 82,000
Cabarrus, North Carolina 66 $ 5,559,000 $ 84,227 $ 42,000
Muskingum, Ohio 66 $ 4,594,000 $ 69,606 $ 45,000
Lancaster, Pennsylvania 66 $ 8,998,000 $ 136,333 $ 86,000
Greene, Missouri 65 $ 5,751,000 $ 88,476 $ 68,000
Atlantic, New Jersey 65 $ 11,618,000 $ 178,738 $ 65,000
Gloucester, New Jersey 65 $ 11,656,000 $ 179,323 $ 80,000
Middlesex, New Jersey 65 $ 16,402,000 $ 252,338 $ 97,000
Haywood, North Carolina 65 $ 7,757,000 $ 119,338 $ 60,000
Lawrence, Ohio 65 $ 5,073,000 $ 78,046 $ 48,000
Richland, Ohio 65 $ 5,041,000 $ 77,553 $ 55,000
Muscogee, Georgia 64 $ 5,858,000 $ 91,531 $ 49,000
Delaware, Indiana 64 $ 3,540,000 $ 55,312 $ 43,000
Fayette, Kentucky 64 $ 6,865,000 $ 107,265 $ 49,000
Warren, Kentucky 64 $ 5,770,000 $ 90,156 $ 50,000
Passaic, New Jersey 64 $ 17,644,000 $ 275,687 $ 90,000
Edgecombe, North Carolina 64 $ 4,252,000 $ 66,437 $ 46,000
Spartanburg, South Carolina 64 $ 5,611,000 $ 87,671 $ 46,000
Johnson, Texas 64 $ 6,007,000 $ 93,859 $ 67,000
Winnebago, Illinois 63 $ 4,966,000 $ 78,825 $ 41,000
Seneca, Ohio 63 $ 5,636,000 $ 89,460 $ 36,000
Tulare, California 62 $ 9,704,000 $ 156,516 $ 96,000
Johnson, Indiana 62 $ 6,889,000 $ 111,112 $ 83,000
Ramsey, Minnesota 61 $ 9,942,000 $ 162,983 $ 48,000
Hudson, New Jersey 61 $ 17,973,000 $ 294,639 $ 93,000
Pueblo, Colorado 60 $ 6,569,000 $ 109,483 $ 44,000
Hernando, Florida 60 $ 6,104,000 $ 101,733 $ 55,000
Rockdale, Georgia 60 $ 6,422,000 $ 107,033 $ 51,000
Kane, Illinois 60 $ 8,157,000 $ 135,950 $ 75,000
Erie, Ohio 59 $ 5,601,000 $ 94,932 $ 44,000
Smith, Texas 59 $ 4,966,000 $ 84,169 $ 55,000
Clay, Florida 58 $ 6,057,000 $ 104,431 $ 71,000
Leon, Florida 58 $ 5,942,000 $ 102,448 $ 52,000
Walker, Georgia 58 $ 5,321,000 $ 91,741 $ 44,000
Hendricks, Indiana 58 $ 6,735,000 $ 116,120 $ 52,000
Allen, Ohio 58 $ 3,812,000 $ 65,724 $ 45,000
Henderson, North Carolina 57 $ 5,382,000 $ 94,421 $ 52,000
Lincoln, North Carolina 57 $ 5,091,000 $ 89,315 $ 44,000
Pottawatomie, Oklahoma 57 $ 3,423,000 $ 60,052 $ 42,000
Grayson, Texas 57 $ 4,962,000 $ 87,052 $ 57,000
Kaufman, Texas 57 $ 4,670,000 $ 81,929 $ 62,000
Boulder, Colorado 56 $ 9,377,000 $ 167,446 $ 95,000
Manatee, Florida 56 $ 7,789,000 $ 139,089 $ 67,000
Sedgwick, Kansas 56 $ 4,435,000 $ 79,196 $ 37,000
Pulaski, Kentucky 56 $ 3,420,000 $ 61,071 $ 32,000
Ocean, New Jersey 56 $ 12,695,000 $ 226,696 $ 90,000
Brown, Ohio 56 $ 5,046,000 $ 90,107 $ 44,000
Berks, Pennsylvania 56 $ 5,517,000 $ 98,517 $ 52,000
Forsyth, Georgia 55 $ 8,363,000 $ 152,054 $ 63,000
Caddo, Louisiana 55 $ 4,029,000 $ 73,254 $ 39,000
Clay, Missouri 55 $ 5,865,000 $ 106,636 $ 43,000
Caldwell, North Carolina 54 $ 4,460,000 $ 82,592 $ 30,000
Union, North Carolina 54 $ 7,108,000 $ 131,629 $ 75,000
Rutherford, North Carolina 53 $ 4,023,000 $ 75,905 $ 42,000
Miami, Ohio 53 $ 5,868,000 $ 110,716 $ 50,000
Chatham, Georgia 52 $ 6,428,000 $ 123,615 $ 56,000
Portsmouth, Virginia 52 $ 5,413,000 $ 104,096 $ 52,000
Citrus, Florida 51 $ 4,235,000 $ 83,039 $ 48,000
Daviess, Kentucky 51 $ 3,696,000 $ 72,470 $ 51,000
Calcasieu, Louisiana 51 $ 4,616,000 $ 90,509 $ 45,000
Jackson, Michigan 51 $ 4,606,000 $ 90,313 $ 34,000
Catawba, North Carolina 51 $ 3,907,000 $ 76,607 $ 45,000
Nueces, Texas 51 $ 3,874,000 $ 75,960 $ 75,000
Chesapeake, Virginia 51 $ 8,067,000 $ 158,176 $ 48,000
Whatcom, Washington 51 $ 8,005,000 $ 156,960 $ 78,000
St. Johns, Florida 50 $ 7,868,000 $ 157,360 $ 66,000
St. Clair, Michigan 50 $ 6,792,000 $ 135,840 $ 52,000
Creek, Oklahoma 50 $ 3,287,000 $ 65,740 $ 43,000
Cambria, Pennsylvania 50 $ 3,203,000 $ 64,060 $ 48,000
Elkhart, Indiana 49 $ 4,213,000 $ 85,979 $ 43,000
Florence, South Carolina 49 $ 3,969,000 $ 81,000 $ 41,000
Sumter, South Carolina 49 $ 3,921,000 $ 80,020 $ 46,000
Carroll, Georgia 48 $ 4,489,000 $ 93,520 $ 67,000
Hall, Georgia 48 $ 4,886,000 $ 101,791 $ 43,000
Boone, Kentucky 48 $ 6,271,000 $ 130,645 $ 55,000
Boyd, Kentucky 48 $ 2,984,000 $ 62,166 $ 46,000
Knox, Kentucky 48 $ 2,866,000 $ 59,708 $ 30,000
Brown, Texas 48 $ 2,872,000 $ 59,833 $ 44,000
Lubbock, Texas 48 $ 3,846,000 $ 80,125 $ 72,000
Whitfield, Georgia 47 $ 7,093,000 $ 150,914 $ 72,000
Franklin, North Carolina 47 $ 3,761,000 $ 80,021 $ 46,000
Darke, Ohio 47 $ 3,494,000 $ 74,340 $ 53,000
Logan, Ohio 47 $ 3,701,000 $ 78,744 $ 44,000
Chester, Pennsylvania 47 $ 10,520,000 $ 223,829 $ 80,000
Rockwall, Texas 47 $ 6,253,000 $ 133,042 $ 82,000
Loudoun, Virginia 47 $ 11,611,000 $ 247,042 $ 111,000
Norfolk, Virginia 47 $ 5,435,000 $ 115,638 $ 80,000
Marin, California 46 $ 11,561,000 $ 251,326 $ 179,000
San Benito, California 46 $ 12,253,000 $ 266,369 $ 131,000
McHenry, Illinois 46 $ 7,912,000 $ 172,000 $ 71,000
Knox, Ohio 46 $ 4,292,000 $ 93,304 $ 56,000
Dauphin, Pennsylvania 46 $ 4,263,000 $ 92,673 $ 40,000
Monroe, Indiana 45 $ 4,565,000 $ 101,444 $ 45,000
Charles, Maryland 45 $ 9,054,000 $ 201,200 $ 59,000
Bernalillo, New Mexico 45 $ 5,078,000 $ 112,844 $ 44,000
Wilson, North Carolina 45 $ 4,009,000 $ 89,088 $ 55,000
Stephens, Oklahoma 45 $ 2,342,000 $ 52,044 $ 40,000
El Dorado, California 44 $ 10,852,000 $ 246,636 $ 109,000
Clarke, Georgia 44 $ 4,796,000 $ 109,000 $ 84,000
Frederick, Maryland 44 $ 9,704,000 $ 220,545 $ 65,000
Ross, Ohio 44 $ 4,672,000 $ 106,181 $ 60,000
Muskogee, Oklahoma 44 $ 2,893,000 $ 65,750 $ 41,000
Rogers, Oklahoma 44 $ 4,394,000 $ 99,863 $ 56,000
Laramie, Wyoming 44 $ 4,879,000 $ 110,886 $ 49,000
Warrick, Indiana 43 $ 4,426,000 $ 102,930 $ 74,000
Cass, Missouri 43 $ 4,333,000 $ 100,767 $ 48,000
Iredell, North Carolina 43 $ 4,690,000 $ 109,069 $ 45,000
Rowan, North Carolina 43 $ 3,346,000 $ 77,813 $ 43,000
Scioto, Ohio 43 $ 2,900,000 $ 67,441 $ 37,000
Wagoner, Oklahoma 43 $ 3,018,000 $ 70,186 $ 45,000
Monroe, Michigan 42 $ 5,772,000 $ 137,428 $ 57,000
Franklin, Missouri 42 $ 4,542,000 $ 108,142 $ 36,000
Mercer, New Jersey 42 $ 7,169,000 $ 170,690 $ 70,000
Granville, North Carolina 42 $ 3,397,000 $ 80,880 $ 52,000
Monroe, Pennsylvania 42 $ 6,292,000 $ 149,809 $ 56,000
Alachua, Florida 41 $ 3,799,000 $ 92,658 $ 33,000
Charlotte, Florida 41 $ 5,528,000 $ 134,829 $ 63,000
Floyd, Indiana 41 $ 4,072,000 $ 99,317 $ 46,000
Bullitt, Kentucky 41 $ 4,711,000 $ 114,902 $ 52,000
Campbell, Kentucky 41 $ 3,534,000 $ 86,195 $ 40,000
Bergen, New Jersey 41 $ 12,638,000 $ 308,243 $ 95,000
Lenoir, North Carolina 41 $ 3,391,000 $ 82,707 $ 65,000
Hancock, Ohio 41 $ 3,425,000 $ 83,536 $ 51,000
Highland, Ohio 41 $ 3,557,000 $ 86,756 $ 42,000
Ottawa, Ohio 41 $ 4,654,000 $ 113,512 $ 42,000
Luzerne, Pennsylvania 41 $ 2,651,000 $ 64,658 $ 41,000
Saline, Arkansas 40 $ 3,680,000 $ 92,000 $ 47,000
Yolo, California 40 $ 8,622,000 $ 215,550 $ 136,000
Vermillion, Indiana 40 $ 2,257,000 $ 56,425 $ 33,000
Lenawee, Michigan 40 $ 4,041,000 $ 101,025 $ 41,000
Brunswick, North Carolina 40 $ 5,839,000 $ 145,975 $ 63,000
Carter, Oklahoma 40 $ 2,538,000 $ 63,450 $ 49,000
Armstrong, Pennsylvania 40 $ 2,820,000 $ 70,500 $ 40,000
Hamilton, Tennessee 40 $ 3,996,000 $ 99,900 $ 49,000
Hampton, Virginia 40 $ 4,121,000 $ 103,025 $ 48,000
Mecklenburg, Virginia 40 $ 3,509,000 $ 87,725 $ 56,000
Roanoke, Virginia 40 $ 4,994,000 $ 124,850 $ 58,000
Cowlitz, Washington 40 $ 4,140,000 $ 103,500 $ 59,000
Lawrence, Indiana 39 $ 3,028,000 $ 77,641 $ 37,000
Worcester, Massachusetts 39 $ 7,058,000 $ 180,974 $ 31,000
Sandusky, Ohio 39 $ 3,660,000 $ 93,846 $ 49,000
Indiana, Pennsylvania 39 $ 2,493,000 $ 63,923 $ 43,000
Georgetown, South Carolina 39 $ 3,963,000 $ 101,615 $ 55,000
Clay, Indiana 38 $ 2,276,000 $ 59,894 $ 43,000
Harlan, Kentucky 38 $ 2,081,000 $ 54,763 $ 29,000
Calhoun, Michigan 38 $ 2,718,000 $ 71,526 $ 39,000
Randolph, North Carolina 38 $ 3,845,000 $ 101,184 $ 36,000
Crawford, Ohio 38 $ 2,964,000 $ 78,000 $ 51,000
Washington, Oklahoma 38 $ 2,220,000 $ 58,421 $ 40,000
Pickens, South Carolina 38 $ 3,579,000 $ 94,184 $ 47,000
Kanawha, West Virginia 38 $ 3,053,000 $ 80,342 $ 40,000
Bartow, Georgia 37 $ 3,701,000 $ 100,027 $ 37,000
Morgan, Indiana 37 $ 4,649,000 $ 125,648 $ 47,000
McCracken, Kentucky 37 $ 3,130,000 $ 84,594 $ 30,000
St. Tammany, Louisiana 37 $ 4,334,000 $ 117,135 $ 59,000
Douglas, Nebraska 37 $ 3,433,000 $ 92,783 $ 46,000
Tuscarawas, Ohio 37 $ 2,495,000 $ 67,432 $ 48,000
Anderson, South Carolina 37 $ 3,095,000 $ 83,648 $ 46,000
Orangeburg, South Carolina 37 $ 3,119,000 $ 84,297 $ 44,000
Webb, Texas 37 $ 4,723,000 $ 127,648 $ 80,000
Washington, Utah 37 $ 4,477,000 $ 121,000 $ 69,000
Barrow, Georgia 36 $ 3,180,000 $ 88,333 $ 43,000
Dearborn, Indiana 36 $ 3,447,000 $ 95,750 $ 47,000
Bell, Kentucky 36 $ 2,014,000 $ 55,944 $ 32,000
East Baton Rouge, Louisiana 36 $ 3,268,000 $ 90,777 $ 58,000
Howard, Maryland 36 $ 9,703,000 $ 269,527 $ 148,000
Livingston, Michigan 36 $ 5,578,000 $ 154,944 $ 48,000
Saginaw, Michigan 36 $ 2,532,000 $ 70,333 $ 45,000
Mobile, Alabama 35 $ 2,935,000 $ 83,857 $ 0
San Juan, New Mexico 35 $ 4,058,000 $ 115,942 $ 63,000
Vance, North Carolina 35 $ 2,469,000 $ 70,542 $ 38,000
Garfield, Oklahoma 35 $ 2,062,000 $ 58,914 $ 32,000
Gregg, Texas 35 $ 2,781,000 $ 79,457 $ 65,000
Fayette, Georgia 34 $ 6,921,000 $ 203,558 $ 93,000
Laurens, South Carolina 34 $ 2,670,000 $ 78,529 $ 46,000
Davidson, Tennessee 34 $ 3,633,000 $ 106,852 $ 31,000
Frederick, Virginia 34 $ 4,665,000 $ 137,205 $ 62,000
Halifax, Virginia 34 $ 2,489,000 $ 73,205 $ 34,000
Hanover, Virginia 34 $ 5,843,000 $ 171,852 $ 55,000
Stafford, Virginia 34 $ 7,660,000 $ 225,294 $ 70,000
Thurston, Washington 34 $ 5,155,000 $ 151,617 $ 51,000
Wood, West Virginia 34 $ 2,634,000 $ 77,470 $ 33,000
Kosciusko, Indiana 33 $ 2,419,000 $ 73,303 $ 39,000
Burke, North Carolina 33 $ 2,759,000 $ 83,606 $ 39,000
Cleveland, North Carolina 33 $ 2,133,000 $ 64,636 $ 36,000
Morrow, Ohio 33 $ 3,622,000 $ 109,757 $ 56,000
Pickaway, Ohio 33 $ 3,689,000 $ 111,787 $ 50,000
Kent, Rhode Island 33 $ 5,933,000 $ 179,787 $ 11,000
Knox, Tennessee 33 $ 3,546,000 $ 107,454 $ 44,000
Newport News, Virginia 33 $ 3,990,000 $ 120,909 $ 43,000
Bibb, Georgia 32 $ 2,014,000 $ 62,937 $ 33,000
Gibson, Indiana 32 $ 1,830,000 $ 57,187 $ 25,000
Howard, Indiana 32 $ 2,658,000 $ 83,062 $ 54,000
Washington, Minnesota 32 $ 5,476,000 $ 171,125 $ 68,000
Madison, Ohio 32 $ 4,150,000 $ 129,687 $ 64,000
Preble, Ohio 32 $ 3,361,000 $ 105,031 $ 39,000
Beaufort, South Carolina 32 $ 4,510,000 $ 140,937 $ 66,000
Spotsylvania, Virginia 32 $ 6,354,000 $ 198,562 $ 60,000
Kenosha, Wisconsin 32 $ 4,066,000 $ 127,062 $ 77,000
Nassau, Florida 31 $ 2,873,000 $ 92,677 $ 73,000
Santa Rosa, Florida 31 $ 3,247,000 $ 104,741 $ 50,000
Henry, Indiana 31 $ 2,503,000 $ 80,741 $ 45,000
Clay, Kentucky 31 $ 1,528,000 $ 49,290 $ 37,000
Huron, Ohio 31 $ 2,920,000 $ 94,193 $ 45,000
Jefferson, Ohio 31 $ 2,179,000 $ 70,290 $ 35,000
Union, Ohio 31 $ 3,412,000 $ 110,064 $ 77,000
Darlington, South Carolina 31 $ 2,998,000 $ 96,709 $ 41,000
Santa Barbara, California 30 $ 7,655,000 $ 255,166 $ 100,000
Santa Cruz, California 30 $ 7,579,000 $ 252,633 $ 143,000
Highlands, Florida 30 $ 2,440,000 $ 81,333 $ 125,000
Putnam, Florida 30 $ 2,466,000 $ 82,200 $ 30,000
Hart, Georgia 30 $ 2,825,000 $ 94,166 $ 36,000
Huntington, Indiana 30 $ 2,012,000 $ 67,066 $ 32,000
Columbia, Oregon 30 $ 3,133,000 $ 104,433 $ 44,000
Hays, Texas 30 $ 3,854,000 $ 128,466 $ 68,000
Franklin, Virginia 30 $ 3,919,000 $ 130,633 $ 53,000
Walton, Georgia 29 $ 3,545,000 $ 122,241 $ 116,000
Madison, Kentucky 29 $ 2,160,000 $ 74,482 $ 46,000
Craven, North Carolina 29 $ 2,331,000 $ 80,379 $ 50,000
Hardin, Ohio 29 $ 2,446,000 $ 84,344 $ 46,000
Grady, Oklahoma 29 $ 1,630,000 $ 56,206 $ 30,000
Mayes, Oklahoma 29 $ 1,586,000 $ 54,689 $ 32,000
Kershaw, South Carolina 29 $ 2,189,000 $ 75,482 $ 43,000
Wise, Texas 29 $ 2,576,000 $ 88,827 $ 50,000
Carroll, Maryland 28 $ 6,756,000 $ 241,285 $ 53,000
Middlesex, Massachusetts 28 $ 7,561,000 $ 270,035 $ 0
Onslow, North Carolina 28 $ 2,629,000 $ 93,892 $ 49,000
Champaign, Ohio 28 $ 2,484,000 $ 88,714 $ 53,000
Clinton, Ohio 28 $ 1,976,000 $ 70,571 $ 40,000
Geauga, Ohio 28 $ 4,205,000 $ 150,178 $ 69,000
Yamhill, Oregon 28 $ 3,099,000 $ 110,678 $ 57,000
Lackawanna, Pennsylvania 28 $ 2,301,000 $ 82,178 $ 41,000
Burnet, Texas 28 $ 3,273,000 $ 116,892 $ 69,000
Campbell, Virginia 28 $ 2,103,000 $ 75,107 $ 37,000
Spokane, Washington 28 $ 4,518,000 $ 161,357 $ 104,000
Montgomery, Alabama 27 $ 1,529,000 $ 56,629 $ 26,000
Shelby, Indiana 27 $ 2,031,000 $ 75,222 $ 55,000
Wayne, Indiana 27 $ 1,531,000 $ 56,703 $ 36,000
Bristol, Massachusetts 27 $ 5,870,000 $ 217,407 $ 0
Scott, Minnesota 27 $ 5,607,000 $ 207,666 $ 57,000
Buchanan, Missouri 27 $ 1,790,000 $ 66,296 $ 35,000
Lincoln, Missouri 27 $ 3,042,000 $ 112,666 $ 70,000
St. Francois, Missouri 27 $ 2,157,000 $ 79,888 $ 46,000
Somerset, New Jersey 27 $ 6,068,000 $ 224,740 $ 74,000
Duplin, North Carolina 27 $ 2,226,000 $ 82,444 $ 53,000
Wayne, North Carolina 27 $ 2,036,000 $ 75,407 $ 46,000
Hocking, Ohio 27 $ 2,532,000 $ 93,777 $ 52,000
Crawford, Pennsylvania 27 $ 2,144,000 $ 79,407 $ 72,000
Bastrop, Texas 27 $ 2,816,000 $ 104,296 $ 70,000
Guadalupe, Texas 27 $ 2,650,000 $ 98,148 $ 74,000
Henry, Virginia 27 $ 1,639,000 $ 60,703 $ 37,000
Yavapai, Arizona 26 $ 3,237,000 $ 124,500 $ 162,000
Flagler, Florida 26 $ 3,433,000 $ 132,038 $ 104,000
Houston, Georgia 26 $ 2,483,000 $ 95,500 $ 49,000
Clinton, Indiana 26 $ 1,714,000 $ 65,923 $ 81,000
Kalamazoo, Michigan 26 $ 2,181,000 $ 83,884 $ 40,000
Montcalm, Michigan 26 $ 2,228,000 $ 85,692 $ 40,000
Rockingham, North Carolina 26 $ 2,480,000 $ 95,384 $ 40,000
Belmont, Ohio 26 $ 1,464,000 $ 56,307 $ 39,000
Henry, Ohio 26 $ 2,199,000 $ 84,576 $ 43,000
Jackson, Ohio 26 $ 2,147,000 $ 82,576 $ 43,000
Washington, Ohio 26 $ 2,231,000 $ 85,807 $ 43,000
Adams, Pennsylvania 26 $ 3,476,000 $ 133,692 $ 66,000
Comal, Texas 26 $ 3,624,000 $ 139,384 $ 65,000
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Mortgage Loan Application Detail Totals for The Cit Group/Consumer Finance in 2005

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
Home Purchase 38,369 $4,875,480,000 $124,687 $1,483,000 $36,229 $2,058,000
Refinancing 33,222 $3,823,829,000 $122,717 $2,700,000 $67,608 $5,021,000
Home Improvement 10,798 $1,470,906,000 $143,642 $990,000 $66,904 $2,473,000

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 32,430 $3,675,296,000 $126,673 $1,741,000 $56,217 $5,021,000
Not applicable 16,127 $2,605,284,000 $134,312 $973,000 $0 $0
Not Provided 13,249 $1,494,202,000 $114,023 $1,493,000 $71,285 $2,234,000
Black or African American 12,434 $1,335,834,000 $124,615 $2,700,000 $59,846 $2,915,000
Hispanic 6,693 $821,818,000 $145,527 $2,500,000 $69,888 $1,885,000
Asian 1,094 $192,960,000 $144,848 $788,000 $71,151 $3,485,000
Native Hawaiian or Other Pacific Islander 186 $25,808,000 $143,920 $800,000 $82,160 $408,000
American Indian or Alaskan Native 176 $19,013,000 $136,040 $442,000 $62,440 $306,000

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) 82,389 $10,170,215,000 $125,571 $2,700,000 $49,448 $5,021,000
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
Loan Originated 20,730 $2,346,112,000 $117,750 $990,000 $69,350 $3,485,000
Application Approved But Not Accepted 20,724 $2,287,828,000 $116,358 $1,074,000 $67,846 $5,021,000
Loan Purchased By The Institution 18,232 $2,919,699,000 $134,958 $973,000 $0 $0
Application Withdrawn By Applicant 12,624 $1,540,508,000 $143,755 $2,700,000 $82,022 $2,915,000
Application Denied By Financial Institution 10,079 $1,076,068,000 $123,142 $1,741,000 $65,285 $2,234,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial 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 2005 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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