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records The Cit Group/Consumer Finance filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-Baytown-Sugar Land, TX | 4,481 | $ 483,677,000 | $ 107,939 | $ 83,000 |
| Pittsburgh, PA | 2,423 | $ 181,942,000 | $ 75,089 | $ 49,000 |
| Chicago-Naperville-Joliet, IL | 2,281 | $ 363,079,000 | $ 159,175 | $ 78,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2,195 | $ 303,604,000 | $ 138,316 | $ 68,000 |
| Dallas-Plano-Irving, TX | 1,990 | $ 227,316,000 | $ 114,229 | $ 88,000 |
| St. Louis, MO-IL | 1,678 | $ 151,531,000 | $ 90,304 | $ 50,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,637 | $ 355,687,000 | $ 217,279 | $ 137,000 |
| San Antonio, TX | 1,561 | $ 120,270,000 | $ 77,046 | $ 72,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1,529 | $ 181,445,000 | $ 118,669 | $ 80,000 |
| Cincinnati-Middletown, OH-KY-IN | 1,497 | $ 165,657,000 | $ 110,659 | $ 63,000 |
| Columbus, OH | 1,488 | $ 161,943,000 | $ 108,832 | $ 66,000 |
| Denver-Aurora, CO | 1,451 | $ 244,706,000 | $ 168,646 | $ 89,000 |
| Detroit-Livonia-Dearborn, MI | 1,362 | $ 116,131,000 | $ 85,265 | $ 56,000 |
| Las Vegas-Paradise, NV | 1,291 | $ 224,723,000 | $ 174,068 | $ 96,000 |
| Oklahoma City, OK | 1,150 | $ 87,291,000 | $ 75,905 | $ 49,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,129 | $ 117,923,000 | $ 104,449 | $ 62,000 |
| Fort Worth-Arlington, TX | 973 | $ 97,763,000 | $ 100,475 | $ 79,000 |
| Orlando, FL | 956 | $ 110,534,000 | $ 115,621 | $ 65,000 |
| Indianapolis, IN | 954 | $ 80,105,000 | $ 83,967 | $ 67,000 |
| Toledo, OH | 913 | $ 69,790,000 | $ 76,440 | $ 58,000 |
| Cleveland-Elyria-Mentor, OH | 907 | $ 106,140,000 | $ 117,023 | $ 68,000 |
| Louisville, KY-IN | 882 | $ 76,880,000 | $ 87,165 | $ 56,000 |
| Oakland-Fremont-Hayward, CA | 845 | $ 194,672,000 | $ 230,381 | $ 127,000 |
| Austin-Round Rock, TX | 835 | $ 89,053,000 | $ 106,650 | $ 91,000 |
| Tulsa, OK | 829 | $ 67,670,000 | $ 81,628 | $ 50,000 |
| Riverside-San Bernardino-Ontario, CA | 811 | $ 140,825,000 | $ 173,643 | $ 119,000 |
| Philadelphia, PA | 781 | $ 88,513,000 | $ 113,332 | $ 75,000 |
| Baltimore-Towson, MD | 746 | $ 100,571,000 | $ 134,813 | $ 74,000 |
| Raleigh-Cary, NC | 716 | $ 84,032,000 | $ 117,363 | $ 73,000 |
| Columbia, SC | 695 | $ 60,929,000 | $ 87,667 | $ 51,000 |
| Kansas City, MO-KS | 686 | $ 59,150,000 | $ 86,224 | $ 53,000 |
| Warren-Farmington Hills-Troy, MI | 651 | $ 108,588,000 | $ 166,801 | $ 73,000 |
| San Diego-Carlsbad-San Marcos, CA | 620 | $ 129,857,000 | $ 209,446 | $ 155,000 |
| Dayton, OH | 591 | $ 53,968,000 | $ 91,316 | $ 58,000 |
| Akron, OH | 570 | $ 59,448,000 | $ 104,294 | $ 68,000 |
| Youngstown-Warren-Boardman, OH-PA | 556 | $ 46,250,000 | $ 83,183 | $ 47,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 553 | $ 55,310,000 | $ 100,018 | $ 67,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 552 | $ 99,013,000 | $ 179,371 | $ 109,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 552 | $ 93,180,000 | $ 168,804 | $ 115,000 |
| Salt Lake City, UT | 535 | $ 62,655,000 | $ 117,112 | $ 87,000 |
| Charlotte-Gastonia-Concord, NC-SC | 524 | $ 54,299,000 | $ 103,624 | $ 56,000 |
| New Orleans-Metairie-Kenner, LA | 473 | $ 52,724,000 | $ 111,467 | $ 77,000 |
| Richmond, VA | 473 | $ 51,408,000 | $ 108,684 | $ 58,000 |
| Seattle-Bellevue-Everett, WA | 471 | $ 79,278,000 | $ 168,318 | $ 102,000 |
| Jacksonville, FL | 436 | $ 39,531,000 | $ 90,667 | $ 62,000 |
| Santa Ana-Anaheim-Irvine, CA | 424 | $ 92,911,000 | $ 219,129 | $ 166,000 |
| Camden, NJ | 407 | $ 57,146,000 | $ 140,407 | $ 70,000 |
| Portland-Vancouver-Beaverton, OR-WA | 405 | $ 52,278,000 | $ 129,081 | $ 74,000 |
| Charleston-North Charleston, SC | 402 | $ 42,519,000 | $ 105,768 | $ 53,000 |
| Asheville, NC | 377 | $ 37,068,000 | $ 98,323 | $ 48,000 |
| Canton-Massillon, OH | 345 | $ 30,979,000 | $ 89,794 | $ 45,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 344 | $ 48,400,000 | $ 140,697 | $ 76,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 339 | $ 54,312,000 | $ 160,212 | $ 83,000 |
| San Francisco-San Mateo-Redwood City, CA | 336 | $ 88,882,000 | $ 264,529 | $ 172,000 |
| Terre Haute, IN | 336 | $ 19,441,000 | $ 57,860 | $ 34,000 |
| Newark-Union, NJ-PA | 324 | $ 79,603,000 | $ 245,688 | $ 92,000 |
| Hickory-Lenoir-Morganton, NC | 315 | $ 26,782,000 | $ 85,022 | $ 41,000 |
| Durham, NC | 305 | $ 32,995,000 | $ 108,180 | $ 56,000 |
| Greensboro-High Point, NC | 290 | $ 27,280,000 | $ 94,068 | $ 54,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 290 | $ 69,369,000 | $ 239,203 | $ 148,000 |
| Fort Wayne, IN | 289 | $ 17,934,000 | $ 62,055 | $ 44,000 |
| Flint, MI | 261 | $ 20,250,000 | $ 77,586 | $ 65,000 |
| Tallahassee, FL | 255 | $ 19,556,000 | $ 76,690 | $ 59,000 |
| McAllen-Edinburg-Pharr, TX | 247 | $ 19,802,000 | $ 80,170 | $ 62,000 |
| Miami-Miami Beach-Kendall, FL | 236 | $ 36,437,000 | $ 154,394 | $ 90,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 205 | $ 20,917,000 | $ 102,034 | $ 60,000 |
| Lakeland, FL | 204 | $ 16,727,000 | $ 81,995 | $ 65,000 |
| Brownsville-Harlingen, TX | 200 | $ 15,666,000 | $ 78,330 | $ 52,000 |
| Winston-Salem, NC | 197 | $ 18,777,000 | $ 95,314 | $ 52,000 |
| Wilmington, NC | 196 | $ 20,862,000 | $ 106,438 | $ 54,000 |
| Stockton, CA | 194 | $ 35,552,000 | $ 183,257 | $ 114,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 193 | $ 19,416,000 | $ 100,601 | $ 56,000 |
| Scranton--Wilkes-Barre, PA | 192 | $ 14,811,000 | $ 77,140 | $ 54,000 |
| Edison, NJ | 191 | $ 48,381,000 | $ 253,303 | $ 93,000 |
| Greenville, SC | 188 | $ 16,600,000 | $ 88,297 | $ 44,000 |
| Fayetteville, NC | 185 | $ 14,287,000 | $ 77,227 | $ 59,000 |
| Bethesda-Frederick-Gaithersburg, MD | 183 | $ 43,388,000 | $ 237,092 | $ 92,000 |
| Ogden-Clearfield, UT | 179 | $ 18,485,000 | $ 103,268 | $ 81,000 |
| Tacoma, WA | 174 | $ 20,800,000 | $ 119,540 | $ 87,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 164 | $ 39,155,000 | $ 238,750 | $ 130,000 |
| Milwaukee-Waukesha-West Allis, WI | 157 | $ 20,297,000 | $ 129,280 | $ 63,000 |
| Gary, IN | 155 | $ 12,639,000 | $ 81,541 | $ 55,000 |
| Killeen-Temple-Fort Hood, TX | 152 | $ 12,060,000 | $ 79,342 | $ 93,000 |
| Lexington-Fayette, KY | 151 | $ 14,314,000 | $ 94,794 | $ 115,000 |
| Beaumont-Port Arthur, TX | 150 | $ 9,920,000 | $ 66,133 | $ 54,000 |
| Grand Rapids-Wyoming, MI | 147 | $ 16,128,000 | $ 109,714 | $ 48,000 |
| Evansville, IN-KY | 146 | $ 9,227,000 | $ 63,198 | $ 46,000 |
| Ocala, FL | 146 | $ 10,931,000 | $ 74,869 | $ 48,000 |
| Vallejo-Fairfield, CA | 146 | $ 28,182,000 | $ 193,027 | $ 117,000 |
| Providence-New Bedford-Fall River, RI-MA | 145 | $ 28,321,000 | $ 195,317 | $ 77,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 144 | $ 15,991,000 | $ 111,048 | $ 49,000 |
| Roanoke, VA | 140 | $ 13,100,000 | $ 93,571 | $ 46,000 |
| Florence, SC | 136 | $ 10,208,000 | $ 75,058 | $ 48,000 |
| Little Rock-North Little Rock, AR | 135 | $ 12,455,000 | $ 92,259 | $ 48,000 |
| Rocky Mount, NC | 133 | $ 11,891,000 | $ 89,406 | $ 47,000 |
| Greenville, NC | 131 | $ 10,241,000 | $ 78,175 | $ 48,000 |
| Hartford-West Hartford-East Hartford, CT | 131 | $ 17,437,000 | $ 133,106 | $ 98,000 |
| Springfield, OH | 128 | $ 10,257,000 | $ 80,132 | $ 56,000 |
| Reno-Sparks, NV | 126 | $ 19,945,000 | $ 158,293 | $ 92,000 |
| Sarasota-Bradenton-Venice, FL | 125 | $ 14,417,000 | $ 115,336 | $ 82,000 |
| Greeley, CO | 123 | $ 17,700,000 | $ 143,902 | $ 181,000 |
| Lynchburg, VA | 123 | $ 10,306,000 | $ 83,788 | $ 41,000 |
| El Paso, TX | 122 | $ 10,569,000 | $ 86,631 | $ 59,000 |
| Colorado Springs, CO | 119 | $ 15,832,000 | $ 133,042 | $ 81,000 |
| New Haven-Milford, CT | 117 | $ 17,123,000 | $ 146,350 | $ 57,000 |
| Palm Bay-Melbourne-Titusville, FL | 116 | $ 12,207,000 | $ 105,232 | $ 54,000 |
| Anderson, IN | 112 | $ 6,849,000 | $ 61,151 | $ 37,000 |
| Dalton, GA | 111 | $ 10,193,000 | $ 91,828 | $ 46,000 |
| Lansing-East Lansing, MI | 110 | $ 9,259,000 | $ 84,172 | $ 54,000 |
| Wichita Falls, TX | 108 | $ 5,846,000 | $ 54,129 | $ 47,000 |
| Bloomington, IN | 107 | $ 9,197,000 | $ 85,953 | $ 55,000 |
| Burlington, NC | 107 | $ 10,587,000 | $ 98,943 | $ 47,000 |
| Mansfield, OH | 107 | $ 8,799,000 | $ 82,233 | $ 50,000 |
| Elizabethtown, KY | 106 | $ 7,639,000 | $ 72,066 | $ 47,000 |
| Provo-Orem, UT | 106 | $ 12,987,000 | $ 122,518 | $ 80,000 |
| Macon, GA | 105 | $ 7,135,000 | $ 67,952 | $ 49,000 |
| Modesto, CA | 105 | $ 18,022,000 | $ 171,638 | $ 88,000 |
| Cape Coral-Fort Myers, FL | 103 | $ 11,963,000 | $ 116,145 | $ 92,000 |
| Augusta-Richmond County, GA-SC | 102 | $ 9,090,000 | $ 89,117 | $ 63,000 |
| Bakersfield, CA | 102 | $ 13,137,000 | $ 128,794 | $ 76,000 |
| Pensacola-Ferry Pass-Brent, FL | 101 | $ 6,649,000 | $ 65,831 | $ 158,000 |
| Sumter, SC | 100 | $ 8,537,000 | $ 85,370 | $ 42,000 |
| Muncie, IN | 95 | $ 5,337,000 | $ 56,178 | $ 52,000 |
| Boise City-Nampa, ID | 93 | $ 10,681,000 | $ 114,849 | $ 74,000 |
| Erie, PA | 92 | $ 5,887,000 | $ 63,989 | $ 41,000 |
| Omaha-Council Bluffs, NE-IA | 92 | $ 7,870,000 | $ 85,543 | $ 68,000 |
| Port St. Lucie-Fort Pierce, FL | 89 | $ 11,656,000 | $ 130,966 | $ 94,000 |
| Lafayette, IN | 86 | $ 8,344,000 | $ 97,023 | $ 48,000 |
| Harrisburg-Carlisle, PA | 85 | $ 6,995,000 | $ 82,294 | $ 44,000 |
| Longview, TX | 84 | $ 4,660,000 | $ 55,476 | $ 54,000 |
| Fresno, CA | 83 | $ 12,277,000 | $ 147,915 | $ 94,000 |
| Wilmington, DE-MD-NJ | 82 | $ 10,127,000 | $ 123,500 | $ 73,000 |
| York-Hanover, PA | 82 | $ 7,364,000 | $ 89,804 | $ 62,000 |
| Athens-Clarke County, GA | 81 | $ 7,429,000 | $ 91,716 | $ 42,000 |
| Boston-Quincy, MA | 81 | $ 19,548,000 | $ 241,333 | $ 18,000 |
| Waco, TX | 81 | $ 6,579,000 | $ 81,222 | $ 45,000 |
| South Bend-Mishawaka, IN-MI | 79 | $ 4,730,000 | $ 59,873 | $ 37,000 |
| Bridgeport-Stamford-Norwalk, CT | 78 | $ 19,614,000 | $ 251,461 | $ 124,000 |
| Elkhart-Goshen, IN | 77 | $ 7,083,000 | $ 91,987 | $ 58,000 |
| Spartanburg, SC | 77 | $ 5,776,000 | $ 75,012 | $ 43,000 |
| Winchester, VA-WV | 77 | $ 9,824,000 | $ 127,584 | $ 62,000 |
| Lake County-Kenosha County, IL-WI | 76 | $ 13,424,000 | $ 176,631 | $ 87,000 |
| Tyler, TX | 76 | $ 5,896,000 | $ 77,578 | $ 52,000 |
| Lawton, OK | 75 | $ 4,293,000 | $ 57,240 | $ 38,000 |
| Corpus Christi, TX | 70 | $ 6,138,000 | $ 87,685 | $ 78,000 |
| Salem, OR | 70 | $ 8,832,000 | $ 126,171 | $ 82,000 |
| Atlantic City, NJ | 68 | $ 11,023,000 | $ 162,102 | $ 55,000 |
| Danville, VA | 68 | $ 4,846,000 | $ 71,264 | $ 45,000 |
| Lancaster, PA | 68 | $ 6,732,000 | $ 99,000 | $ 41,000 |
| Savannah, GA | 67 | $ 5,570,000 | $ 83,134 | $ 45,000 |
| Johnstown, PA | 66 | $ 3,786,000 | $ 57,363 | $ 36,000 |
| Sandusky, OH | 66 | $ 5,888,000 | $ 89,212 | $ 53,000 |
| Charleston, WV | 65 | $ 4,525,000 | $ 69,615 | $ 39,000 |
| Nashville-Davidson--Murfreesboro, TN | 65 | $ 6,494,000 | $ 99,907 | $ 28,000 |
| Tucson, AZ | 65 | $ 7,868,000 | $ 121,046 | $ 133,000 |
| Santa Rosa-Petaluma, CA | 64 | $ 13,462,000 | $ 210,343 | $ 157,000 |
| Anderson, SC | 61 | $ 4,384,000 | $ 71,868 | $ 38,000 |
| Gainesville, GA | 61 | $ 7,607,000 | $ 124,704 | $ 56,000 |
| Merced, CA | 61 | $ 10,241,000 | $ 167,885 | $ 142,000 |
| College Station-Bryan, TX | 60 | $ 5,510,000 | $ 91,833 | $ 103,000 |
| Gainesville, FL | 60 | $ 5,134,000 | $ 85,566 | $ 49,000 |
| Baton Rouge, LA | 59 | $ 6,004,000 | $ 101,762 | $ 65,000 |
| Goldsboro, NC | 58 | $ 4,885,000 | $ 84,224 | $ 43,000 |
| Jacksonville, NC | 58 | $ 4,598,000 | $ 79,275 | $ 49,000 |
| Jackson, MI | 57 | $ 5,710,000 | $ 100,175 | $ 57,000 |
| Wheeling, WV-OH | 57 | $ 4,183,000 | $ 73,385 | $ 39,000 |
| Kokomo, IN | 56 | $ 4,100,000 | $ 73,214 | $ 36,000 |
| Bowling Green, KY | 55 | $ 4,660,000 | $ 84,727 | $ 45,000 |
| Monroe, MI | 55 | $ 7,394,000 | $ 134,436 | $ 77,000 |
| Lubbock, TX | 54 | $ 4,014,000 | $ 74,333 | $ 73,000 |
| Wichita, KS | 54 | $ 4,427,000 | $ 81,981 | $ 38,000 |
| Boulder, CO | 52 | $ 11,161,000 | $ 214,634 | $ 127,000 |
| Pueblo, CO | 52 | $ 4,748,000 | $ 91,307 | $ 100,000 |
| Reading, PA | 52 | $ 5,921,000 | $ 113,865 | $ 52,000 |
| Memphis, TN-MS-AR | 50 | $ 3,827,000 | $ 76,540 | $ 24,000 |
| Huntington-Ashland, WV-KY-OH | 48 | $ 3,270,000 | $ 68,125 | $ 35,000 |
| Saginaw-Saginaw Township North, MI | 48 | $ 4,243,000 | $ 88,395 | $ 59,000 |
| Salinas, CA | 47 | $ 12,129,000 | $ 258,063 | $ 171,000 |
| Trenton-Ewing, NJ | 46 | $ 5,814,000 | $ 126,391 | $ 93,000 |
| Visalia-Porterville, CA | 46 | $ 5,007,000 | $ 108,847 | $ 88,000 |
| Worcester, MA | 45 | $ 8,713,000 | $ 193,622 | $ 30,000 |
| Panama City-Lynn Haven, FL | 43 | $ 5,060,000 | $ 117,674 | $ 60,000 |
| Vineland-Millville-Bridgeton, NJ | 43 | $ 4,475,000 | $ 104,069 | $ 61,000 |
| Fort Collins-Loveland, CO | 42 | $ 7,632,000 | $ 181,714 | $ 72,000 |
| Naples-Marco Island, FL | 42 | $ 7,143,000 | $ 170,071 | $ 123,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 42 | $ 8,412,000 | $ 200,285 | $ 68,000 |
| Albuquerque, NM | 41 | $ 5,025,000 | $ 122,560 | $ 65,000 |
| Bremerton-Silverdale, WA | 41 | $ 5,591,000 | $ 136,365 | $ 118,000 |
| Lima, OH | 41 | $ 3,181,000 | $ 77,585 | $ 43,000 |
| Charlottesville, VA | 40 | $ 4,830,000 | $ 120,750 | $ 66,000 |
| Santa Cruz-Watsonville, CA | 40 | $ 9,159,000 | $ 228,975 | $ 179,000 |
| Laredo, TX | 39 | $ 3,501,000 | $ 89,769 | $ 75,000 |
| Longview, WA | 38 | $ 3,080,000 | $ 81,052 | $ 56,000 |
| Niles-Benton Harbor, MI | 38 | $ 3,215,000 | $ 84,605 | $ 54,000 |
| Rockford, IL | 38 | $ 3,745,000 | $ 98,552 | $ 69,000 |
| St. George, UT | 38 | $ 4,545,000 | $ 119,605 | $ 69,000 |
| Battle Creek, MI | 37 | $ 3,477,000 | $ 93,972 | $ 81,000 |
| Columbus, IN | 37 | $ 3,702,000 | $ 100,054 | $ 53,000 |
| Kalamazoo-Portage, MI | 37 | $ 3,982,000 | $ 107,621 | $ 48,000 |
| Sherman-Denison, TX | 36 | $ 2,900,000 | $ 80,555 | $ 76,000 |
| Springfield, MO | 36 | $ 3,677,000 | $ 102,138 | $ 106,000 |
| Ann Arbor, MI | 35 | $ 6,382,000 | $ 182,342 | $ 98,000 |
| Blacksburg-Christiansburg-Radford, VA | 35 | $ 3,234,000 | $ 92,400 | $ 47,000 |
| Knoxville, TN | 35 | $ 3,357,000 | $ 95,914 | $ 31,000 |
| Owensboro, KY | 35 | $ 2,213,000 | $ 63,228 | $ 31,000 |
| Bay City, MI | 34 | $ 2,751,000 | $ 80,911 | $ 50,000 |
| Columbus, GA-AL | 34 | $ 3,346,000 | $ 98,411 | $ 43,000 |
| Prescott, AZ | 34 | $ 5,358,000 | $ 157,588 | $ 106,000 |
| Birmingham-Hoover, AL | 33 | $ 3,324,000 | $ 100,727 | $ 5,000 |
| Eugene-Springfield, OR | 33 | $ 3,626,000 | $ 109,878 | $ 55,000 |
| Altoona, PA | 31 | $ 1,783,000 | $ 57,516 | $ 35,000 |
| Chattanooga, TN-GA | 30 | $ 2,662,000 | $ 88,733 | $ 37,000 |
| Michigan City-La Porte, IN | 29 | $ 2,287,000 | $ 78,862 | $ 40,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 29 | $ 5,618,000 | $ 193,724 | $ 209,000 |
| Spokane, WA | 29 | $ 3,425,000 | $ 118,103 | $ 79,000 |
| Lincoln, NE | 28 | $ 2,132,000 | $ 76,142 | $ 49,000 |
| Salisbury, MD | 28 | $ 2,570,000 | $ 91,785 | $ 67,000 |
| Champaign-Urbana, IL | 27 | $ 1,650,000 | $ 61,111 | $ 53,000 |
| Holland-Grand Haven, MI | 27 | $ 3,534,000 | $ 130,888 | $ 44,000 |
| Olympia, WA | 27 | $ 3,452,000 | $ 127,851 | $ 88,000 |
| Fort Smith, AR-OK | 26 | $ 2,392,000 | $ 92,000 | $ 80,000 |
| Hagerstown-Martinsburg, MD-WV | 26 | $ 3,682,000 | $ 141,615 | $ 42,000 |
| Lebanon, PA | 26 | $ 2,652,000 | $ 102,000 | $ 54,000 |
| Muskegon-Norton Shores, MI | 26 | $ 1,996,000 | $ 76,769 | $ 34,000 |
| Cambridge-Newton-Framingham, MA | 25 | $ 5,535,000 | $ 221,400 | $ 67,000 |
| Mount Vernon-Anacortes, WA | 25 | $ 2,876,000 | $ 115,040 | $ 73,000 |
| Punta Gorda, FL | 25 | $ 3,483,000 | $ 139,320 | $ 61,000 |
| Midland, TX | 24 | $ 2,458,000 | $ 102,416 | $ 54,000 |
| Napa, CA | 24 | $ 5,777,000 | $ 240,708 | $ 161,000 |
| Williamsport, PA | 24 | $ 1,988,000 | $ 82,833 | $ 35,000 |
| Warner Robins, GA | 23 | $ 2,074,000 | $ 90,173 | $ 51,000 |
| Abilene, TX | 22 | $ 1,782,000 | $ 81,000 | $ 59,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 22 | $ 2,285,000 | $ 103,863 | $ 45,000 |
| Parkersburg-Marietta, WV-OH | 22 | $ 1,494,000 | $ 67,909 | $ 32,000 |
| Topeka, KS | 22 | $ 2,169,000 | $ 98,590 | $ 61,000 |
| Essex County, MA | 21 | $ 5,137,000 | $ 244,619 | $ 17,000 |
| Hot Springs, AR | 21 | $ 1,742,000 | $ 82,952 | $ 36,000 |
| Lake Charles, LA | 21 | $ 1,686,000 | $ 80,285 | $ 89,000 |
| Logan, UT-ID | 21 | $ 2,368,000 | $ 112,761 | $ 55,000 |
| Bellingham, WA | 20 | $ 2,966,000 | $ 148,300 | $ 63,000 |
| Rockingham County-Strafford County, NH | 20 | $ 3,857,000 | $ 192,850 | $ 34,000 |
| San Luis Obispo-Paso Robles, CA | 20 | $ 3,938,000 | $ 196,900 | $ 138,000 |
| Shreveport-Bossier City, LA | 20 | $ 1,830,000 | $ 91,500 | $ 56,000 |
| Victoria, TX | 20 | $ 1,652,000 | $ 82,600 | $ 66,000 |
| Norwich-New London, CT | 19 | $ 3,389,000 | $ 178,368 | $ 28,000 |
| Portland-South Portland-Biddeford, ME | 19 | $ 3,432,000 | $ 180,631 | $ 67,000 |
| Weirton-Steubenville, WV-OH | 19 | $ 1,502,000 | $ 79,052 | $ 79,000 |
| Yakima, WA | 19 | $ 1,833,000 | $ 96,473 | $ 57,000 |
| Yuba City, CA | 19 | $ 2,983,000 | $ 157,000 | $ 80,000 |
| Danville, IL | 18 | $ 1,042,000 | $ 57,888 | $ 41,000 |
| Des Moines, IA | 18 | $ 1,797,000 | $ 99,833 | $ 20,000 |
| Dover, DE | 18 | $ 2,106,000 | $ 117,000 | $ 41,000 |
| Morgantown, WV | 18 | $ 1,666,000 | $ 92,555 | $ 40,000 |
| Odessa, TX | 18 | $ 1,028,000 | $ 57,111 | $ 65,000 |
| Redding, CA | 18 | $ 1,929,000 | $ 107,166 | $ 159,000 |
| San Angelo, TX | 18 | $ 1,059,000 | $ 58,833 | $ 50,000 |
| Springfield, MA | 18 | $ 1,870,000 | $ 103,888 | $ 0 |
| Texarkana, Tx-Texarkana, AR | 18 | $ 1,271,000 | $ 70,611 | $ 46,000 |
| Cheyenne, WY | 17 | $ 2,010,000 | $ 118,235 | $ 49,000 |
| Chico, CA | 17 | $ 2,111,000 | $ 124,176 | $ 58,000 |
| Columbia, MO | 17 | $ 2,403,000 | $ 141,352 | $ 87,000 |
| Farmington, NM | 17 | $ 1,717,000 | $ 101,000 | $ 63,000 |
| Grand Junction, CO | 17 | $ 1,823,000 | $ 107,235 | $ 88,000 |
| Idaho Falls, ID | 17 | $ 1,385,000 | $ 81,470 | $ 48,000 |
| Manchester-Nashua, NH | 17 | $ 3,030,000 | $ 178,235 | $ 0 |
| Albany, GA | 16 | $ 1,361,000 | $ 85,062 | $ 46,000 |
| Fort Walton Beach-Crestview-Destin, FL | 16 | $ 1,281,000 | $ 80,062 | $ 38,000 |
| Harrisonburg, VA | 16 | $ 1,788,000 | $ 111,750 | $ 38,000 |
| Madera, CA | 16 | $ 2,515,000 | $ 157,187 | $ 94,000 |
| Amarillo, TX | 15 | $ 1,059,000 | $ 70,600 | $ 40,000 |
| Joplin, MO | 15 | $ 1,016,000 | $ 67,733 | $ 39,000 |
| Kankakee-Bradley, IL | 15 | $ 1,408,000 | $ 93,866 | $ 63,000 |
| Medford, OR | 15 | $ 1,875,000 | $ 125,000 | $ 65,000 |
| Vero Beach, FL | 15 | $ 1,427,000 | $ 95,133 | $ 102,000 |
| Yuma, AZ | 15 | $ 1,300,000 | $ 86,666 | $ 58,000 |
| Peoria, IL | 14 | $ 1,355,000 | $ 96,785 | $ 36,000 |
| Springfield, IL | 14 | $ 972,000 | $ 69,428 | $ 32,000 |
| Hinesville-Fort Stewart, GA | 13 | $ 901,000 | $ 69,307 | $ 70,000 |
| Kennewick-Richland-Pasco, WA | 13 | $ 1,223,000 | $ 94,076 | $ 55,000 |
| Ocean City, NJ | 13 | $ 1,870,000 | $ 143,846 | $ 101,000 |
| St. Joseph, MO-KS | 13 | $ 1,040,000 | $ 80,000 | $ 43,000 |
| Davenport-Moline-Rock Island, IA-IL | 12 | $ 963,000 | $ 80,250 | $ 33,000 |
| Montgomery, AL | 12 | $ 1,019,000 | $ 84,916 | $ 6,000 |
| Bangor, ME | 11 | $ 1,142,000 | $ 103,818 | $ 48,000 |
| Coeur D'Alene, ID | 11 | $ 1,446,000 | $ 131,454 | $ 39,000 |
| Houma-Bayou Cane-Thibodaux, LA | 11 | $ 1,107,000 | $ 100,636 | $ 37,000 |
| Janesville, WI | 11 | $ 1,053,000 | $ 95,727 | $ 50,000 |
| Madison, WI | 11 | $ 1,619,000 | $ 147,181 | $ 40,000 |
| Rome, GA | 11 | $ 1,199,000 | $ 109,000 | $ 85,000 |
| State College, PA | 11 | $ 1,130,000 | $ 102,727 | $ 56,000 |
| Las Cruces, NM | 10 | $ 1,315,000 | $ 131,500 | $ 57,000 |
| Lewiston-Auburn, ME | 10 | $ 1,224,000 | $ 122,400 | $ 20,000 |
| Carson City, NV | 9 | $ 1,450,000 | $ 161,111 | $ 71,000 |
| Cumberland, MD-WV | 9 | $ 739,000 | $ 82,111 | $ 44,000 |
| El Centro, CA | 9 | $ 1,255,000 | $ 139,444 | $ 29,000 |
| Flagstaff, AZ | 9 | $ 1,106,000 | $ 122,888 | $ 88,000 |
| Hanford-Corcoran, CA | 9 | $ 688,000 | $ 76,444 | $ 64,000 |
| Jefferson City, MO | 9 | $ 741,000 | $ 82,333 | $ 41,000 |
| Lawrence, KS | 9 | $ 1,646,000 | $ 182,888 | $ 129,000 |
| Mobile, AL | 9 | $ 894,000 | $ 99,333 | $ 15,000 |
| Auburn-Opelika, AL | 8 | $ 656,000 | $ 82,000 | $ 20,000 |
| Cleveland, TN | 8 | $ 702,000 | $ 87,750 | $ 20,000 |
| Kingsport-Bristol-Bristol, TN-VA | 8 | $ 683,000 | $ 85,375 | $ 31,000 |
| Pine Bluff, AR | 8 | $ 567,000 | $ 70,875 | $ 29,000 |
| Pittsfield, MA | 8 | $ 760,000 | $ 95,000 | $ 0 |
| Rochester, MN | 8 | $ 937,000 | $ 117,125 | $ 57,000 |
| Santa Fe, NM | 8 | $ 1,541,000 | $ 192,625 | $ 60,000 |
| Bloomington-Normal, IL | 7 | $ 883,000 | $ 126,142 | $ 41,000 |
| Decatur, IL | 7 | $ 480,000 | $ 68,571 | $ 31,000 |
| Duluth, MN-WI | 7 | $ 569,000 | $ 81,285 | $ 75,000 |
| Lafayette, LA | 7 | $ 744,000 | $ 106,285 | $ 79,000 |
| Morristown, TN | 7 | $ 469,000 | $ 67,000 | $ 43,000 |
| Valdosta, GA | 7 | $ 520,000 | $ 74,285 | $ 39,000 |
| Barnstable Town, MA | 6 | $ 1,086,000 | $ 181,000 | $ 0 |
| Bend, OR | 6 | $ 930,000 | $ 155,000 | $ 102,000 |
| Brunswick, GA | 6 | $ 1,142,000 | $ 190,333 | $ 70,000 |
| Clarksville, TN-KY | 6 | $ 754,000 | $ 125,666 | $ 18,000 |
| Johnson City, TN | 6 | $ 398,000 | $ 66,333 | $ 29,000 |
| Monroe, LA | 6 | $ 448,000 | $ 74,666 | $ 177,000 |
| Racine, WI | 6 | $ 357,000 | $ 59,500 | $ 44,000 |
| St. Cloud, MN | 6 | $ 884,000 | $ 147,333 | $ 98,000 |
| Wenatchee, WA | 6 | $ 786,000 | $ 131,000 | $ 81,000 |
| Cedar Rapids, IA | 5 | $ 418,000 | $ 83,600 | $ 15,000 |
| Missoula, MT | 5 | $ 757,000 | $ 151,400 | $ 16,000 |
| Oshkosh-Neenah, WI | 5 | $ 543,000 | $ 108,600 | $ 134,000 |
| Pocatello, ID | 5 | $ 265,000 | $ 53,000 | $ 119,000 |
| Sheboygan, WI | 5 | $ 379,000 | $ 75,800 | $ 47,000 |
| Alexandria, LA | 4 | $ 359,000 | $ 89,750 | $ 43,000 |
| Corvallis, OR | 4 | $ 327,000 | $ 81,750 | $ 37,000 |
| Gadsden, AL | 4 | $ 213,000 | $ 53,250 | $ 24,000 |
| Great Falls, MT | 4 | $ 250,000 | $ 62,500 | $ 116,000 |
| Iowa City, IA | 4 | $ 300,000 | $ 75,000 | $ 0 |
| Anniston-Oxford, AL | 3 | $ 167,000 | $ 55,666 | $ 0 |
| Appleton, WI | 3 | $ 270,000 | $ 90,000 | $ 37,000 |
| Eau Claire, WI | 3 | $ 310,000 | $ 103,333 | $ 67,000 |
| Florence-Muscle Shoals, AL | 3 | $ 373,000 | $ 124,333 | $ 11,000 |
| Huntsville, AL | 3 | $ 205,000 | $ 68,333 | $ 0 |
| Lewiston, ID-WA | 3 | $ 192,000 | $ 64,000 | $ 25,000 |
| Sioux City, IA-NE-SD | 3 | $ 262,000 | $ 87,333 | $ 50,000 |
| Tuscaloosa, AL | 3 | $ 238,000 | $ 79,333 | $ 43,000 |
| Billings, MT | 2 | $ 231,000 | $ 115,500 | $ 0 |
| Burlington-South Burlington, VT | 2 | $ 279,000 | $ 139,500 | $ 0 |
| Casper, WY | 2 | $ 173,000 | $ 86,500 | $ 52,000 |
| Dubuque, IA | 2 | $ 115,000 | $ 57,500 | $ 72,000 |
| Grand Forks, ND-MN | 2 | $ 94,000 | $ 47,000 | $ 0 |
| Green Bay, WI | 2 | $ 132,000 | $ 66,000 | $ 39,000 |
| Jonesboro, AR | 2 | $ 242,000 | $ 121,000 | $ 42,000 |
| La Crosse, WI-MN | 2 | $ 518,000 | $ 259,000 | $ 66,000 |
| Wausau, WI | 2 | $ 130,000 | $ 65,000 | $ 18,000 |
| Ames, IA | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Anchorage, AK | 1 | $ 276,000 | $ 276,000 | $ 130,000 |
| Decatur, AL | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Dothan, AL | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Fond Du Lac, WI | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Gulfport-Biloxi, MS | 1 | $ 112,000 | $ 112,000 | $ 42,000 |
| Jackson, MS | 1 | $ 33,000 | $ 33,000 | $ 90,000 |
| Jackson, TN | 1 | $ 39,000 | $ 39,000 | $ 49,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 14,000 | $ 14,000 | $ 0 |
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.
For a list of all lenders in New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.
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