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records The Cit Group/Consumer Finance filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-Sugar Land-Baytown, TX | 4,198 | $ 501,608,000 | $ 119,487 | $ 84,000 |
| Chicago-Naperville-Joliet, IL | 3,419 | $ 679,186,000 | $ 198,650 | $ 86,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1,666 | $ 251,534,000 | $ 150,980 | $ 69,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1,473 | $ 247,788,000 | $ 168,219 | $ 85,000 |
| St. Louis, MO-IL | 1,418 | $ 152,007,000 | $ 107,198 | $ 59,789 |
| Dallas-Plano-Irving, TX | 1,405 | $ 168,938,000 | $ 120,240 | $ 94,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,318 | $ 425,426,000 | $ 322,781 | $ 122,000 |
| San Antonio, TX | 1,190 | $ 116,416,000 | $ 97,828 | $ 69,000 |
| Riverside-San Bernardino-Ontario, CA | 1,014 | $ 269,890,000 | $ 266,163 | $ 107,000 |
| Detroit-Livonia-Dearborn, MI | 976 | $ 93,766,000 | $ 96,071 | $ 58,000 |
| Las Vegas-Paradise, NV | 912 | $ 185,106,000 | $ 202,967 | $ 89,000 |
| Pittsburgh, PA | 831 | $ 78,233,000 | $ 94,143 | $ 66,000 |
| Denver-Aurora, CO | 741 | $ 128,163,000 | $ 172,959 | $ 92,000 |
| Cincinnati-Middletown, OH-KY-IN | 737 | $ 93,251,000 | $ 126,527 | $ 69,051 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 646 | $ 179,306,000 | $ 277,563 | $ 81,377 |
| El Paso, TX | 641 | $ 59,987,000 | $ 93,583 | $ 61,000 |
| Baltimore-Towson, MD | 639 | $ 122,586,000 | $ 191,840 | $ 76,000 |
| Kansas City, MO-KS | 603 | $ 63,750,000 | $ 105,721 | $ 56,726 |
| Tampa-St. Petersburg-Clearwater, FL | 578 | $ 98,077,000 | $ 169,683 | $ 82,000 |
| Columbus, OH | 569 | $ 75,586,000 | $ 132,840 | $ 75,000 |
| Fort Worth-Arlington, TX | 553 | $ 62,399,000 | $ 112,837 | $ 77,000 |
| Miami-Miami Beach-Kendall, FL | 552 | $ 129,015,000 | $ 233,722 | $ 122,000 |
| Orlando-Kissimmee, FL | 530 | $ 102,844,000 | $ 194,045 | $ 100,000 |
| Indianapolis-Carmel, IN | 526 | $ 58,321,000 | $ 110,876 | $ 80,000 |
| Oklahoma City, OK | 511 | $ 48,378,000 | $ 94,673 | $ 62,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 503 | $ 101,083,000 | $ 200,960 | $ 90,000 |
| Philadelphia, PA | 468 | $ 70,636,000 | $ 150,931 | $ 67,000 |
| Oakland-Fremont-Hayward, CA | 444 | $ 157,209,000 | $ 354,074 | $ 135,000 |
| Newark-Union, NJ-PA | 440 | $ 126,017,000 | $ 286,402 | $ 109,181 |
| Louisville-Jefferson County, KY-IN | 433 | $ 42,440,000 | $ 98,013 | $ 62,988 |
| Austin-Round Rock, TX | 427 | $ 65,277,000 | $ 152,873 | $ 98,000 |
| Salt Lake City, UT | 425 | $ 63,707,000 | $ 149,898 | $ 65,000 |
| Charlotte-Gastonia-Concord, NC-SC | 407 | $ 65,511,000 | $ 160,960 | $ 122,761 |
| San Diego-Carlsbad-San Marcos, CA | 399 | $ 119,396,000 | $ 299,238 | $ 113,000 |
| Cleveland-Elyria-Mentor, OH | 356 | $ 40,712,000 | $ 114,359 | $ 79,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 339 | $ 63,392,000 | $ 186,997 | $ 82,790 |
| Tulsa, OK | 323 | $ 34,229,000 | $ 105,972 | $ 76,000 |
| Warren-Troy-Farmington Hills, MI | 314 | $ 70,381,000 | $ 224,143 | $ 88,000 |
| Portland-Vancouver-Beaverton, OR-WA | 290 | $ 60,146,000 | $ 207,400 | $ 77,272 |
| McAllen-Edinburg-Mission, TX | 284 | $ 27,652,000 | $ 97,366 | $ 71,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 274 | $ 54,263,000 | $ 198,040 | $ 102,000 |
| Toledo, OH | 265 | $ 26,804,000 | $ 101,147 | $ 86,000 |
| Richmond, VA | 263 | $ 40,761,000 | $ 154,984 | $ 83,000 |
| Youngstown-Warren-Boardman, OH-PA | 259 | $ 19,819,000 | $ 76,521 | $ 57,115 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 254 | $ 48,324,000 | $ 190,251 | $ 98,614 |
| Sacramento--Arden-Arcade--Roseville, CA | 251 | $ 59,418,000 | $ 236,725 | $ 93,000 |
| New York-White Plains-Wayne, NY-NJ | 236 | $ 77,243,000 | $ 327,300 | $ 109,000 |
| Dayton, OH | 233 | $ 24,353,000 | $ 104,519 | $ 71,000 |
| Columbia, SC | 225 | $ 26,240,000 | $ 116,622 | $ 67,000 |
| Raleigh-Cary, NC | 225 | $ 36,835,000 | $ 163,711 | $ 82,000 |
| Jacksonville, FL | 221 | $ 33,514,000 | $ 151,647 | $ 73,000 |
| Akron, OH | 210 | $ 20,427,000 | $ 97,271 | $ 65,000 |
| Greensboro-High Point, NC | 201 | $ 24,488,000 | $ 121,830 | $ 64,000 |
| Camden, NJ | 197 | $ 35,161,000 | $ 178,482 | $ 75,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 188 | $ 60,210,000 | $ 320,265 | $ 120,000 |
| Bethesda-Gaithersburg-Frederick, MD | 178 | $ 46,225,000 | $ 259,691 | $ 75,000 |
| Charleston-North Charleston, SC | 176 | $ 28,861,000 | $ 163,982 | $ 91,000 |
| Edison, NJ | 176 | $ 52,330,000 | $ 297,329 | $ 110,000 |
| Seattle-Bellevue-Everett, WA | 176 | $ 41,529,000 | $ 235,960 | $ 79,000 |
| Cape Coral-Fort Myers, FL | 175 | $ 30,872,000 | $ 176,411 | $ 93,000 |
| Stockton, CA | 174 | $ 46,137,000 | $ 265,155 | $ 100,000 |
| Brownsville-Harlingen, TX | 168 | $ 16,087,000 | $ 95,755 | $ 65,000 |
| Santa Ana-Anaheim-Irvine, CA | 167 | $ 59,558,000 | $ 356,634 | $ 131,000 |
| New Orleans-Metairie-Kenner, LA | 166 | $ 21,873,000 | $ 131,765 | $ 91,000 |
| Evansville, IN-KY | 158 | $ 14,383,000 | $ 91,031 | $ 64,670 |
| Bakersfield, CA | 157 | $ 28,153,000 | $ 179,318 | $ 88,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 153 | $ 60,056,000 | $ 392,522 | $ 171,000 |
| Lake County-Kenosha County, IL-WI | 149 | $ 26,812,000 | $ 179,946 | $ 85,872 |
| Gary, IN | 141 | $ 20,081,000 | $ 142,418 | $ 76,000 |
| Canton-Massillon, OH | 138 | $ 12,945,000 | $ 93,804 | $ 55,000 |
| Little Rock-North Little Rock-Conway, AR | 135 | $ 15,619,000 | $ 115,696 | $ 73,000 |
| Flint, MI | 132 | $ 10,618,000 | $ 80,439 | $ 57,000 |
| Terre Haute, IN | 126 | $ 9,050,000 | $ 71,825 | $ 50,000 |
| Wilmington, DE-MD-NJ | 125 | $ 19,852,000 | $ 158,816 | $ 68,480 |
| Albuquerque, NM | 124 | $ 22,416,000 | $ 180,774 | $ 77,000 |
| Beaumont-Port Arthur, TX | 121 | $ 9,905,000 | $ 81,859 | $ 70,000 |
| Corpus Christi, TX | 115 | $ 12,922,000 | $ 112,365 | $ 92,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 113 | $ 13,697,000 | $ 121,212 | $ 55,902 |
| Colorado Springs, CO | 112 | $ 20,621,000 | $ 184,116 | $ 71,000 |
| Port St. Lucie, FL | 112 | $ 20,549,000 | $ 183,473 | $ 100,000 |
| Killeen-Temple-Fort Hood, TX | 108 | $ 12,587,000 | $ 116,546 | $ 100,000 |
| Waco, TX | 108 | $ 9,249,000 | $ 85,638 | $ 55,000 |
| Tucson, AZ | 102 | $ 16,308,000 | $ 159,882 | $ 104,000 |
| Lakeland, FL | 100 | $ 13,863,000 | $ 138,630 | $ 72,000 |
| Fayetteville, NC | 98 | $ 8,913,000 | $ 90,948 | $ 113,000 |
| Vallejo-Fairfield, CA | 94 | $ 27,908,000 | $ 296,893 | $ 107,000 |
| Grand Rapids-Wyoming, MI | 92 | $ 10,865,000 | $ 118,097 | $ 50,000 |
| Greenville-Mauldin-Easley, SC | 89 | $ 10,160,000 | $ 114,157 | $ 64,000 |
| Laredo, TX | 88 | $ 8,300,000 | $ 94,318 | $ 62,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 87 | $ 14,176,000 | $ 162,942 | $ 73,000 |
| Winston-Salem, NC | 85 | $ 9,882,000 | $ 116,258 | $ 57,000 |
| Fresno, CA | 84 | $ 15,632,000 | $ 186,095 | $ 66,000 |
| Pueblo, CO | 84 | $ 10,304,000 | $ 122,666 | $ 94,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 83 | $ 16,647,000 | $ 200,566 | $ 120,000 |
| Durham, NC | 78 | $ 8,967,000 | $ 114,961 | $ 67,000 |
| Provo-Orem, UT | 77 | $ 12,278,000 | $ 159,454 | $ 72,000 |
| Bridgeport-Stamford-Norwalk, CT | 75 | $ 21,058,000 | $ 280,773 | $ 125,000 |
| Wilmington, NC | 75 | $ 13,746,000 | $ 183,280 | $ 95,000 |
| Modesto, CA | 74 | $ 20,073,000 | $ 271,256 | $ 80,000 |
| Sarasota-Bradenton-Venice, FL | 73 | $ 16,202,000 | $ 221,945 | $ 85,000 |
| Tacoma, WA | 70 | $ 14,300,000 | $ 204,285 | $ 46,000 |
| Naples-Marco Island, FL | 63 | $ 17,318,000 | $ 274,888 | $ 157,000 |
| Augusta-Richmond County, GA-SC | 62 | $ 6,391,000 | $ 103,080 | $ 51,806 |
| Elizabethtown, KY | 62 | $ 5,913,000 | $ 95,370 | $ 49,000 |
| Lexington-Fayette, KY | 59 | $ 9,264,000 | $ 157,016 | $ 89,000 |
| Palm Bay-Melbourne-Titusville, FL | 59 | $ 10,619,000 | $ 179,983 | $ 112,000 |
| Baton Rouge, LA | 57 | $ 6,646,000 | $ 116,596 | $ 66,000 |
| Greenville, NC | 57 | $ 5,178,000 | $ 90,842 | $ 65,000 |
| Ocala, FL | 57 | $ 8,142,000 | $ 142,842 | $ 59,000 |
| Salinas, CA | 57 | $ 20,140,000 | $ 353,333 | $ 121,000 |
| Ogden-Clearfield, UT | 56 | $ 9,294,000 | $ 165,964 | $ 60,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 54 | $ 7,390,000 | $ 136,851 | $ 67,000 |
| Fort Wayne, IN | 53 | $ 5,319,000 | $ 100,358 | $ 43,000 |
| Fort Collins-Loveland, CO | 52 | $ 9,698,000 | $ 186,500 | $ 111,000 |
| New Haven-Milford, CT | 52 | $ 8,333,000 | $ 160,250 | $ 72,000 |
| Rocky Mount, NC | 52 | $ 4,125,000 | $ 79,326 | $ 53,000 |
| Milwaukee-Waukesha-West Allis, WI | 49 | $ 6,572,000 | $ 134,122 | $ 65,000 |
| San Francisco-San Mateo-Redwood City, CA | 49 | $ 22,597,000 | $ 461,163 | $ 231,000 |
| Hartford-West Hartford-East Hartford, CT | 48 | $ 9,853,000 | $ 205,270 | $ 65,000 |
| Lynchburg, VA | 48 | $ 6,112,000 | $ 127,333 | $ 72,000 |
| Wichita Falls, TX | 48 | $ 2,874,000 | $ 59,875 | $ 51,000 |
| Macon, GA | 47 | $ 4,951,000 | $ 105,340 | $ 132,000 |
| Springfield, OH | 47 | $ 3,766,000 | $ 80,127 | $ 48,000 |
| Lubbock, TX | 46 | $ 3,894,000 | $ 84,652 | $ 63,000 |
| Atlantic City, NJ | 45 | $ 9,562,000 | $ 212,488 | $ 82,000 |
| Burlington, NC | 45 | $ 4,237,000 | $ 94,155 | $ 64,000 |
| Spartanburg, SC | 45 | $ 3,813,000 | $ 84,733 | $ 54,000 |
| Reno-Sparks, NV | 44 | $ 9,860,000 | $ 224,090 | $ 71,000 |
| Roanoke, VA | 44 | $ 5,578,000 | $ 126,772 | $ 80,000 |
| Savannah, GA | 43 | $ 5,261,000 | $ 122,348 | $ 48,000 |
| Greeley, CO | 42 | $ 7,137,000 | $ 169,928 | $ 79,000 |
| Pensacola-Ferry Pass-Brent, FL | 41 | $ 5,591,000 | $ 136,365 | $ 102,000 |
| Amarillo, TX | 40 | $ 3,166,000 | $ 79,150 | $ 64,000 |
| Las Cruces, NM | 40 | $ 5,329,000 | $ 133,225 | $ 62,000 |
| Longview, TX | 40 | $ 5,248,000 | $ 131,200 | $ 69,000 |
| Trenton-Ewing, NJ | 40 | $ 6,322,000 | $ 158,050 | $ 87,000 |
| Asheville, NC | 39 | $ 6,491,000 | $ 166,435 | $ 63,000 |
| Grand Junction, CO | 39 | $ 6,961,000 | $ 178,487 | $ 97,000 |
| Hickory-Lenoir-Morganton, NC | 39 | $ 3,967,000 | $ 101,717 | $ 75,000 |
| Lansing-East Lansing, MI | 39 | $ 5,431,000 | $ 139,256 | $ 83,000 |
| Merced, CA | 39 | $ 9,388,000 | $ 240,717 | $ 82,000 |
| Anderson, IN | 38 | $ 2,959,000 | $ 77,868 | $ 61,000 |
| Providence-New Bedford-Fall River, RI-MA | 37 | $ 7,343,000 | $ 198,459 | $ 23,513 |
| Sumter, SC | 37 | $ 3,066,000 | $ 82,864 | $ 51,000 |
| York-Hanover, PA | 37 | $ 5,863,000 | $ 158,459 | $ 62,000 |
| Columbus, GA-AL | 36 | $ 4,446,000 | $ 123,500 | $ 33,777 |
| Hagerstown-Martinsburg, MD-WV | 36 | $ 6,351,000 | $ 176,416 | $ 41,027 |
| Rockford, IL | 36 | $ 4,390,000 | $ 121,944 | $ 60,000 |
| Huntington-Ashland, WV-KY-OH | 35 | $ 2,801,000 | $ 80,028 | $ 52,542 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 35 | $ 4,546,000 | $ 129,885 | $ 26,000 |
| Memphis, TN-MS-AR | 34 | $ 3,679,000 | $ 108,205 | $ 15,529 |
| Tyler, TX | 34 | $ 4,239,000 | $ 124,676 | $ 72,000 |
| Kalamazoo-Portage, MI | 32 | $ 2,887,000 | $ 90,218 | $ 55,000 |
| Scranton--Wilkes-Barre, PA | 31 | $ 3,197,000 | $ 103,129 | $ 44,000 |
| College Station-Bryan, TX | 30 | $ 2,803,000 | $ 93,433 | $ 65,000 |
| Erie, PA | 30 | $ 2,152,000 | $ 71,733 | $ 39,000 |
| Boise City-Nampa, ID | 29 | $ 7,315,000 | $ 252,241 | $ 39,000 |
| Florence, SC | 29 | $ 2,895,000 | $ 99,827 | $ 62,000 |
| Muskegon-Norton Shores, MI | 29 | $ 2,442,000 | $ 84,206 | $ 41,000 |
| Sherman-Denison, TX | 29 | $ 2,352,000 | $ 81,103 | $ 61,000 |
| Battle Creek, MI | 28 | $ 2,115,000 | $ 75,535 | $ 54,000 |
| Bowling Green, KY | 28 | $ 2,691,000 | $ 96,107 | $ 47,000 |
| Fort Smith, AR-OK | 28 | $ 2,584,000 | $ 92,285 | $ 47,642 |
| Muncie, IN | 28 | $ 1,897,000 | $ 67,750 | $ 43,000 |
| Reading, PA | 28 | $ 3,927,000 | $ 140,250 | $ 62,000 |
| Albany, GA | 27 | $ 3,561,000 | $ 131,888 | $ 127,000 |
| Shreveport-Bossier City, LA | 27 | $ 2,790,000 | $ 103,333 | $ 39,000 |
| Abilene, TX | 26 | $ 2,838,000 | $ 109,153 | $ 92,000 |
| Omaha-Council Bluffs, NE-IA | 26 | $ 2,972,000 | $ 114,307 | $ 75,000 |
| Boulder, CO | 25 | $ 5,186,000 | $ 207,440 | $ 78,000 |
| Dover, DE | 25 | $ 5,216,000 | $ 208,640 | $ 63,000 |
| Mansfield, OH | 25 | $ 1,686,000 | $ 67,440 | $ 59,000 |
| Odessa, TX | 25 | $ 1,662,000 | $ 66,480 | $ 59,000 |
| Victoria, TX | 25 | $ 2,053,000 | $ 82,120 | $ 126,000 |
| Harrisburg-Carlisle, PA | 24 | $ 2,305,000 | $ 96,041 | $ 56,000 |
| Johnstown, PA | 24 | $ 1,426,000 | $ 59,416 | $ 44,000 |
| Kokomo, IN | 24 | $ 2,255,000 | $ 93,958 | $ 55,000 |
| Visalia-Porterville, CA | 24 | $ 4,619,000 | $ 192,458 | $ 95,000 |
| Winchester, VA-WV | 24 | $ 5,125,000 | $ 213,541 | $ 67,875 |
| Longview, WA | 23 | $ 3,194,000 | $ 138,869 | $ 62,000 |
| Prescott, AZ | 23 | $ 3,053,000 | $ 132,739 | $ 45,000 |
| Salem, OR | 23 | $ 4,178,000 | $ 181,652 | $ 59,000 |
| Vineland-Millville-Bridgeton, NJ | 23 | $ 2,975,000 | $ 129,347 | $ 65,000 |
| El Centro, CA | 22 | $ 3,571,000 | $ 162,318 | $ 48,000 |
| Tallahassee, FL | 22 | $ 2,905,000 | $ 132,045 | $ 64,000 |
| Owensboro, KY | 21 | $ 1,551,000 | $ 73,857 | $ 38,000 |
| Punta Gorda, FL | 21 | $ 4,351,000 | $ 207,190 | $ 116,000 |
| Sebastian-Vero Beach, FL | 21 | $ 8,460,000 | $ 402,857 | $ 309,000 |
| Wichita, KS | 21 | $ 2,408,000 | $ 114,666 | $ 51,000 |
| Bloomington, IN | 20 | $ 2,618,000 | $ 130,900 | $ 102,000 |
| Bremerton-Silverdale, WA | 20 | $ 4,599,000 | $ 229,950 | $ 108,000 |
| Knoxville, TN | 20 | $ 1,595,000 | $ 79,750 | $ 16,000 |
| Wheeling, WV-OH | 20 | $ 1,773,000 | $ 88,650 | $ 51,050 |
| Ann Arbor, MI | 19 | $ 3,436,000 | $ 180,842 | $ 101,000 |
| Gainesville, GA | 19 | $ 2,119,000 | $ 111,526 | $ 63,000 |
| Monroe, MI | 19 | $ 3,539,000 | $ 186,263 | $ 86,000 |
| Saginaw-Saginaw Township North, MI | 19 | $ 2,030,000 | $ 106,842 | $ 56,000 |
| Sandusky, OH | 19 | $ 1,894,000 | $ 99,684 | $ 88,000 |
| Jackson, MI | 18 | $ 1,523,000 | $ 84,611 | $ 68,000 |
| Lima, OH | 18 | $ 1,597,000 | $ 88,722 | $ 44,000 |
| Midland, TX | 18 | $ 1,680,000 | $ 93,333 | $ 61,000 |
| San Angelo, TX | 18 | $ 1,545,000 | $ 85,833 | $ 88,000 |
| Yuba City, CA | 18 | $ 3,485,000 | $ 193,611 | $ 64,000 |
| Lancaster, PA | 17 | $ 2,421,000 | $ 142,411 | $ 42,000 |
| Santa Rosa-Petaluma, CA | 17 | $ 5,921,000 | $ 348,294 | $ 153,000 |
| South Bend-Mishawaka, IN-MI | 17 | $ 1,665,000 | $ 97,941 | $ 45,176 |
| Springfield, MO | 17 | $ 1,847,000 | $ 108,647 | $ 48,000 |
| Hot Springs, AR | 16 | $ 1,924,000 | $ 120,250 | $ 61,000 |
| Lake Havasu City-Kingman, AZ | 16 | $ 3,324,000 | $ 207,750 | $ 78,000 |
| Madera, CA | 16 | $ 2,648,000 | $ 165,500 | $ 95,000 |
| Texarkana, Tx-Texarkana, AR | 16 | $ 1,149,000 | $ 71,812 | $ 73,250 |
| Lafayette, IN | 15 | $ 1,382,000 | $ 92,133 | $ 58,000 |
| Lawton, OK | 15 | $ 1,023,000 | $ 68,200 | $ 33,000 |
| Salisbury, MD | 15 | $ 2,359,000 | $ 157,266 | $ 31,000 |
| Santa Cruz-Watsonville, CA | 15 | $ 7,150,000 | $ 476,666 | $ 177,000 |
| Athens-Clarke County, GA | 14 | $ 2,056,000 | $ 146,857 | $ 93,000 |
| Birmingham-Hoover, AL | 14 | $ 1,562,000 | $ 111,571 | $ 0 |
| Charleston, WV | 14 | $ 1,256,000 | $ 89,714 | $ 71,000 |
| Jacksonville, NC | 14 | $ 1,549,000 | $ 110,642 | $ 111,000 |
| Palm Coast, FL | 14 | $ 3,347,000 | $ 239,071 | $ 163,000 |
| St. George, UT | 14 | $ 4,251,000 | $ 303,642 | $ 214,000 |
| Warner Robins, GA | 14 | $ 2,321,000 | $ 165,785 | $ 58,000 |
| Bloomington-Normal, IL | 13 | $ 1,424,000 | $ 109,538 | $ 67,000 |
| Coeur D'Alene, ID | 13 | $ 2,958,000 | $ 227,538 | $ 93,000 |
| Holland-Grand Haven, MI | 13 | $ 2,427,000 | $ 186,692 | $ 59,000 |
| Panama City-Lynn Haven, FL | 13 | $ 4,605,000 | $ 354,230 | $ 243,000 |
| Anderson, SC | 12 | $ 1,948,000 | $ 162,333 | $ 278,000 |
| Clarksville, TN-KY | 12 | $ 1,269,000 | $ 105,750 | $ 37,666 |
| Columbus, IN | 12 | $ 1,399,000 | $ 116,583 | $ 67,000 |
| Joplin, MO | 12 | $ 963,000 | $ 80,250 | $ 49,000 |
| Lake Charles, LA | 12 | $ 1,120,000 | $ 93,333 | $ 68,000 |
| Niles-Benton Harbor, MI | 12 | $ 841,000 | $ 70,083 | $ 45,000 |
| Olympia, WA | 12 | $ 2,044,000 | $ 170,333 | $ 53,000 |
| Chattanooga, TN-GA | 11 | $ 1,176,000 | $ 106,909 | $ 22,545 |
| Chico, CA | 11 | $ 2,242,000 | $ 203,818 | $ 122,000 |
| Elkhart-Goshen, IN | 11 | $ 1,342,000 | $ 122,000 | $ 54,000 |
| Fort Walton Beach-Crestview-Destin, FL | 11 | $ 1,778,000 | $ 161,636 | $ 58,000 |
| Houma-Bayou Cane-Thibodaux, LA | 11 | $ 1,122,000 | $ 102,000 | $ 57,000 |
| Michigan City-La Porte, IN | 11 | $ 940,000 | $ 85,454 | $ 107,000 |
| Bend, OR | 10 | $ 2,092,000 | $ 209,200 | $ 47,000 |
| Boston-Quincy, MA | 10 | $ 1,893,000 | $ 189,300 | $ 0 |
| Kennewick-Richland-Pasco, WA | 10 | $ 1,239,000 | $ 123,900 | $ 112,000 |
| Mobile, AL | 10 | $ 748,000 | $ 74,800 | $ 0 |
| Peoria, IL | 10 | $ 1,106,000 | $ 110,600 | $ 53,000 |
| Portland-South Portland-Biddeford, ME | 10 | $ 2,362,000 | $ 236,200 | $ 87,000 |
| Santa Fe, NM | 10 | $ 2,585,000 | $ 258,500 | $ 74,000 |
| Spokane, WA | 10 | $ 1,519,000 | $ 151,900 | $ 73,000 |
| Cheyenne, WY | 9 | $ 1,672,000 | $ 185,777 | $ 74,000 |
| Cumberland, MD-WV | 9 | $ 1,024,000 | $ 113,777 | $ 53,000 |
| Danville, VA | 9 | $ 774,000 | $ 86,000 | $ 95,000 |
| Des Moines-West Des Moines, IA | 9 | $ 988,000 | $ 109,777 | $ 51,000 |
| Gainesville, FL | 9 | $ 1,183,000 | $ 131,444 | $ 48,000 |
| Kankakee-Bradley, IL | 9 | $ 862,000 | $ 95,777 | $ 70,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 9 | $ 610,000 | $ 67,777 | $ 27,222 |
| Redding, CA | 9 | $ 2,293,000 | $ 254,777 | $ 127,000 |
| Rome, GA | 9 | $ 1,086,000 | $ 120,666 | $ 46,000 |
| Charlottesville, VA | 8 | $ 1,422,000 | $ 177,750 | $ 46,000 |
| Eugene-Springfield, OR | 8 | $ 1,528,000 | $ 191,000 | $ 129,000 |
| Goldsboro, NC | 8 | $ 522,000 | $ 65,250 | $ 65,000 |
| Hanford-Corcoran, CA | 8 | $ 1,149,000 | $ 143,625 | $ 38,000 |
| Lewiston, ID-WA | 8 | $ 881,000 | $ 110,125 | $ 62,875 |
| Lincoln, NE | 8 | $ 591,000 | $ 73,875 | $ 55,000 |
| St. Joseph, MO-KS | 8 | $ 675,000 | $ 84,375 | $ 34,000 |
| Weirton-Steubenville, WV-OH | 8 | $ 497,000 | $ 62,125 | $ 31,500 |
| Yuma, AZ | 8 | $ 952,000 | $ 119,000 | $ 54,000 |
| Altoona, PA | 7 | $ 624,000 | $ 89,142 | $ 61,000 |
| Bellingham, WA | 7 | $ 1,147,000 | $ 163,857 | $ 43,000 |
| Flagstaff, AZ | 7 | $ 1,817,000 | $ 259,571 | $ 182,000 |
| Kingsport-Bristol-Bristol, TN-VA | 7 | $ 674,000 | $ 96,285 | $ 36,857 |
| Lawrence, KS | 7 | $ 400,000 | $ 57,142 | $ 38,000 |
| Napa, CA | 7 | $ 2,298,000 | $ 328,285 | $ 155,000 |
| Rockingham County-Strafford County, NH | 7 | $ 1,290,000 | $ 184,285 | $ 79,000 |
| San Luis Obispo-Paso Robles, CA | 7 | $ 3,153,000 | $ 450,428 | $ 117,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 7 | $ 2,234,000 | $ 319,142 | $ 22,000 |
| Huntsville, AL | 6 | $ 1,527,000 | $ 254,500 | $ 19,000 |
| Lafayette, LA | 6 | $ 709,000 | $ 118,166 | $ 16,000 |
| Lebanon, PA | 6 | $ 572,000 | $ 95,333 | $ 57,000 |
| Logan, UT-ID | 6 | $ 850,000 | $ 141,666 | $ 31,833 |
| Morgantown, WV | 6 | $ 903,000 | $ 150,500 | $ 55,000 |
| Mount Vernon-Anacortes, WA | 6 | $ 1,426,000 | $ 237,666 | $ 153,000 |
| St. Cloud, MN | 6 | $ 874,000 | $ 145,666 | $ 75,000 |
| Topeka, KS | 6 | $ 652,000 | $ 108,666 | $ 30,000 |
| Blacksburg-Christiansburg-Radford, VA | 5 | $ 490,000 | $ 98,000 | $ 22,000 |
| Cambridge-Newton-Framingham, MA | 5 | $ 1,207,000 | $ 241,400 | $ 0 |
| Columbia, MO | 5 | $ 778,000 | $ 155,600 | $ 166,000 |
| Farmington, NM | 5 | $ 753,000 | $ 150,600 | $ 71,000 |
| Jefferson City, MO | 5 | $ 591,000 | $ 118,200 | $ 35,000 |
| Jonesboro, AR | 5 | $ 464,000 | $ 92,800 | $ 32,000 |
| Madison, WI | 5 | $ 1,116,000 | $ 223,200 | $ 76,000 |
| Manchester-Nashua, NH | 5 | $ 1,261,000 | $ 252,200 | $ 40,000 |
| Monroe, LA | 5 | $ 277,000 | $ 55,400 | $ 66,000 |
| Norwich-New London, CT | 5 | $ 736,000 | $ 147,200 | $ 59,000 |
| Ocean City, NJ | 5 | $ 1,767,000 | $ 353,400 | $ 183,000 |
| Pine Bluff, AR | 5 | $ 625,000 | $ 125,000 | $ 70,000 |
| Racine, WI | 5 | $ 647,000 | $ 129,400 | $ 71,000 |
| Fargo, ND-MN | 4 | $ 477,000 | $ 119,250 | $ 0 |
| Harrisonburg, VA | 4 | $ 513,000 | $ 128,250 | $ 56,000 |
| Janesville, WI | 4 | $ 378,000 | $ 94,500 | $ 23,000 |
| Rochester, MN | 4 | $ 412,000 | $ 103,000 | $ 48,000 |
| Sioux City, IA-NE-SD | 4 | $ 309,000 | $ 77,250 | $ 20,000 |
| Valdosta, GA | 4 | $ 250,000 | $ 62,500 | $ 42,000 |
| Yakima, WA | 4 | $ 325,000 | $ 81,250 | $ 21,000 |
| Bay City, MI | 3 | $ 326,000 | $ 108,666 | $ 25,000 |
| Champaign-Urbana, IL | 3 | $ 349,000 | $ 116,333 | $ 44,000 |
| Danville, IL | 3 | $ 262,000 | $ 87,333 | $ 51,000 |
| Duluth, MN-WI | 3 | $ 280,000 | $ 93,333 | $ 35,000 |
| Lewiston-Auburn, ME | 3 | $ 481,000 | $ 160,333 | $ 0 |
| Medford, OR | 3 | $ 865,000 | $ 288,333 | $ 0 |
| Sioux Falls, SD | 3 | $ 186,000 | $ 62,000 | $ 15,000 |
| Springfield, IL | 3 | $ 310,000 | $ 103,333 | $ 44,000 |
| State College, PA | 3 | $ 420,000 | $ 140,000 | $ 25,000 |
| Williamsport, PA | 3 | $ 276,000 | $ 92,000 | $ 44,000 |
| Worcester, MA | 3 | $ 385,000 | $ 128,333 | $ 0 |
| Alexandria, LA | 2 | $ 182,000 | $ 91,000 | $ 7,000 |
| Auburn-Opelika, AL | 2 | $ 273,000 | $ 136,500 | $ 0 |
| Bangor, ME | 2 | $ 96,000 | $ 48,000 | $ 0 |
| Brunswick, GA | 2 | $ 248,000 | $ 124,000 | $ 49,000 |
| Cleveland, TN | 2 | $ 185,000 | $ 92,500 | $ 28,000 |
| Decatur, IL | 2 | $ 196,000 | $ 98,000 | $ 45,000 |
| Dothan, AL | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Eau Claire, WI | 2 | $ 225,000 | $ 112,500 | $ 0 |
| Gadsden, AL | 2 | $ 379,000 | $ 189,500 | $ 0 |
| Grand Forks, ND-MN | 2 | $ 229,000 | $ 114,500 | $ 74,000 |
| Gulfport-Biloxi, MS | 2 | $ 315,000 | $ 157,500 | $ 496,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 303,000 | $ 151,500 | $ 53,000 |
| Idaho Falls, ID | 2 | $ 360,000 | $ 180,000 | $ 88,000 |
| Jackson, MS | 2 | $ 972,000 | $ 486,000 | $ 117,000 |
| Johnson City, TN | 2 | $ 352,000 | $ 176,000 | $ 272,000 |
| Montgomery, AL | 2 | $ 115,000 | $ 57,500 | $ 0 |
| Peabody, MA | 2 | $ 235,000 | $ 117,500 | $ 0 |
| Pittsfield, MA | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Pocatello, ID | 2 | $ 237,000 | $ 118,500 | $ 43,000 |
| Springfield, MA | 2 | $ 49,000 | $ 24,500 | $ 0 |
| Waterloo-Cedar Falls, IA | 2 | $ 102,000 | $ 51,000 | $ 16,000 |
| Wenatchee, WA | 2 | $ 372,000 | $ 186,000 | $ 28,000 |
| Barnstable Town, MA | 1 | $ 63,000 | $ 63,000 | $ 0 |
| Billings, MT | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Burlington-South Burlington, VT | 1 | $ 300,000 | $ 300,000 | $ 94,000 |
| Carson City, NV | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Casper, WY | 1 | $ 155,000 | $ 155,000 | $ 32,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 120,000 | $ 120,000 | $ 51,000 |
| Decatur, AL | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Great Falls, MT | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Iowa City, IA | 1 | $ 211,000 | $ 211,000 | $ 341,000 |
| Missoula, MT | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Oshkosh-Neenah, WI | 1 | $ 254,000 | $ 254,000 | $ 106,000 |
| Pascagoula, MS | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Rapid City, SD | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Wausau, WI | 1 | $ 229,000 | $ 229,000 | $ 97,000 |
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.
For a list of all lenders in New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.
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