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records The Cit Group/Consumer Finance filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 3,404 | $ 344,070,000 | $ 101,078 | $ 75,000 |
| Chicago-Naperville-Joliet, IL | 2,547 | $ 406,111,000 | $ 159,446 | $ 72,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2,364 | $ 297,224,000 | $ 125,729 | $ 66,000 |
| Pittsburgh, PA | 2,093 | $ 168,598,000 | $ 80,553 | $ 56,000 |
| Dallas-Plano-Irving, TX | 1,888 | $ 203,681,000 | $ 107,881 | $ 80,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1,864 | $ 270,310,000 | $ 145,016 | $ 73,000 |
| St. Louis, MO-IL | 1,846 | $ 184,299,000 | $ 99,836 | $ 52,000 |
| Detroit-Livonia-Dearborn, MI | 1,708 | $ 152,096,000 | $ 89,049 | $ 54,000 |
| Denver-Aurora, CO | 1,637 | $ 229,212,000 | $ 140,019 | $ 73,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,606 | $ 387,560,000 | $ 241,320 | $ 131,000 |
| Cincinnati-Middletown, OH-KY-IN | 1,483 | $ 153,334,000 | $ 103,394 | $ 56,000 |
| Columbus, OH | 1,460 | $ 143,978,000 | $ 98,615 | $ 64,000 |
| San Antonio, TX | 1,295 | $ 102,703,000 | $ 79,307 | $ 63,000 |
| Las Vegas-Paradise, NV | 1,113 | $ 199,012,000 | $ 178,806 | $ 87,000 |
| Oklahoma City, OK | 1,075 | $ 78,137,000 | $ 72,685 | $ 45,000 |
| Riverside-San Bernardino-Ontario, CA | 1,068 | $ 224,631,000 | $ 210,328 | $ 124,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,054 | $ 122,810,000 | $ 116,518 | $ 64,000 |
| Orlando, FL | 982 | $ 123,221,000 | $ 125,479 | $ 66,000 |
| Tulsa, OK | 882 | $ 69,149,000 | $ 78,400 | $ 53,000 |
| Fort Worth-Arlington, TX | 854 | $ 81,581,000 | $ 95,528 | $ 72,000 |
| Indianapolis, IN | 854 | $ 78,896,000 | $ 92,384 | $ 60,000 |
| Oakland-Fremont-Hayward, CA | 799 | $ 211,241,000 | $ 264,381 | $ 127,000 |
| Baltimore-Towson, MD | 789 | $ 120,184,000 | $ 152,324 | $ 80,000 |
| Cleveland-Elyria-Mentor, OH | 775 | $ 90,416,000 | $ 116,665 | $ 63,000 |
| Philadelphia, PA | 763 | $ 96,647,000 | $ 126,667 | $ 67,000 |
| Toledo, OH | 749 | $ 66,679,000 | $ 89,024 | $ 51,000 |
| Raleigh-Cary, NC | 707 | $ 77,559,000 | $ 109,701 | $ 55,000 |
| Warren-Farmington Hills-Troy, MI | 701 | $ 103,590,000 | $ 147,774 | $ 73,000 |
| San Diego-Carlsbad-San Marcos, CA | 685 | $ 172,742,000 | $ 252,178 | $ 131,000 |
| Kansas City, MO-KS | 647 | $ 56,393,000 | $ 87,160 | $ 49,000 |
| Youngstown-Warren-Boardman, OH-PA | 643 | $ 50,586,000 | $ 78,671 | $ 45,000 |
| Portland-Vancouver-Beaverton, OR-WA | 630 | $ 84,560,000 | $ 134,222 | $ 78,000 |
| Dayton, OH | 607 | $ 54,247,000 | $ 89,369 | $ 49,000 |
| Miami-Miami Beach-Kendall, FL | 595 | $ 99,243,000 | $ 166,794 | $ 82,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 586 | $ 95,920,000 | $ 163,686 | $ 76,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 574 | $ 128,695,000 | $ 224,207 | $ 105,000 |
| Austin-Round Rock, TX | 562 | $ 72,225,000 | $ 128,514 | $ 73,000 |
| Akron, OH | 550 | $ 49,432,000 | $ 89,876 | $ 49,000 |
| Louisville, KY-IN | 544 | $ 49,862,000 | $ 91,658 | $ 49,000 |
| Charlotte-Gastonia-Concord, NC-SC | 541 | $ 55,255,000 | $ 102,134 | $ 54,000 |
| Richmond, VA | 500 | $ 59,259,000 | $ 118,518 | $ 54,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 491 | $ 85,132,000 | $ 173,384 | $ 70,000 |
| Salt Lake City, UT | 485 | $ 56,030,000 | $ 115,525 | $ 75,000 |
| Canton-Massillon, OH | 451 | $ 34,133,000 | $ 75,682 | $ 42,000 |
| Jacksonville, FL | 444 | $ 45,428,000 | $ 102,315 | $ 62,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 429 | $ 72,911,000 | $ 169,955 | $ 79,000 |
| Seattle-Bellevue-Everett, WA | 414 | $ 76,258,000 | $ 184,198 | $ 92,000 |
| Charleston-North Charleston, SC | 397 | $ 43,712,000 | $ 110,105 | $ 59,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 376 | $ 51,608,000 | $ 137,255 | $ 62,000 |
| Columbia, SC | 364 | $ 34,153,000 | $ 93,826 | $ 50,000 |
| New Orleans-Metairie-Kenner, LA | 331 | $ 35,961,000 | $ 108,643 | $ 59,000 |
| Newark-Union, NJ-PA | 330 | $ 79,349,000 | $ 240,451 | $ 88,000 |
| McAllen-Edinburg-Pharr, TX | 326 | $ 28,281,000 | $ 86,751 | $ 55,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 326 | $ 87,476,000 | $ 268,331 | $ 141,000 |
| Terre Haute, IN | 324 | $ 19,371,000 | $ 59,787 | $ 37,000 |
| Santa Ana-Anaheim-Irvine, CA | 315 | $ 79,927,000 | $ 253,736 | $ 145,000 |
| Fort Wayne, IN | 293 | $ 20,349,000 | $ 69,450 | $ 41,000 |
| Stockton, CA | 287 | $ 67,419,000 | $ 234,909 | $ 105,000 |
| Little Rock-North Little Rock, AR | 263 | $ 25,906,000 | $ 98,501 | $ 72,000 |
| Camden, NJ | 261 | $ 42,221,000 | $ 161,766 | $ 72,000 |
| Greensboro-High Point, NC | 261 | $ 27,040,000 | $ 103,601 | $ 54,000 |
| San Francisco-San Mateo-Redwood City, CA | 253 | $ 71,889,000 | $ 284,146 | $ 175,000 |
| Asheville, NC | 240 | $ 26,398,000 | $ 109,991 | $ 54,000 |
| Flint, MI | 238 | $ 19,593,000 | $ 82,323 | $ 47,000 |
| Durham, NC | 236 | $ 22,015,000 | $ 93,283 | $ 65,000 |
| Cape Coral-Fort Myers, FL | 233 | $ 34,525,000 | $ 148,175 | $ 83,000 |
| Evansville, IN-KY | 226 | $ 17,044,000 | $ 75,415 | $ 47,000 |
| Vallejo-Fairfield, CA | 225 | $ 51,974,000 | $ 230,995 | $ 103,000 |
| Milwaukee-Waukesha-West Allis, WI | 221 | $ 24,029,000 | $ 108,728 | $ 62,000 |
| Edison, NJ | 215 | $ 52,659,000 | $ 244,925 | $ 92,000 |
| Lakeland, FL | 215 | $ 19,277,000 | $ 89,660 | $ 47,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 199 | $ 22,693,000 | $ 114,035 | $ 50,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 199 | $ 21,858,000 | $ 109,839 | $ 62,000 |
| Tacoma, WA | 195 | $ 30,684,000 | $ 157,353 | $ 69,000 |
| Bethesda-Frederick-Gaithersburg, MD | 191 | $ 46,236,000 | $ 242,073 | $ 91,000 |
| Providence-New Bedford-Fall River, RI-MA | 191 | $ 38,648,000 | $ 202,345 | $ 21,000 |
| Fresno, CA | 183 | $ 30,137,000 | $ 164,683 | $ 78,000 |
| Gary, IN | 179 | $ 15,373,000 | $ 85,882 | $ 45,000 |
| Brownsville-Harlingen, TX | 176 | $ 12,441,000 | $ 70,687 | $ 45,000 |
| Colorado Springs, CO | 173 | $ 22,741,000 | $ 131,450 | $ 77,000 |
| Ogden-Clearfield, UT | 172 | $ 22,344,000 | $ 129,906 | $ 78,000 |
| Greenville, SC | 169 | $ 15,007,000 | $ 88,798 | $ 48,000 |
| Rocky Mount, NC | 166 | $ 11,895,000 | $ 71,656 | $ 47,000 |
| New Haven-Milford, CT | 158 | $ 25,414,000 | $ 160,848 | $ 62,000 |
| Port St. Lucie-Fort Pierce, FL | 155 | $ 23,252,000 | $ 150,012 | $ 73,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 154 | $ 17,625,000 | $ 114,448 | $ 66,000 |
| Bakersfield, CA | 153 | $ 25,868,000 | $ 169,071 | $ 85,000 |
| Roanoke, VA | 153 | $ 15,272,000 | $ 99,816 | $ 50,000 |
| Hickory-Lenoir-Morganton, NC | 152 | $ 12,332,000 | $ 81,131 | $ 39,000 |
| El Paso, TX | 151 | $ 13,668,000 | $ 90,516 | $ 57,000 |
| Hartford-West Hartford-East Hartford, CT | 151 | $ 24,679,000 | $ 163,437 | $ 58,000 |
| Ocala, FL | 149 | $ 15,032,000 | $ 100,885 | $ 62,000 |
| Fayetteville, NC | 147 | $ 11,263,000 | $ 76,619 | $ 54,000 |
| Grand Rapids-Wyoming, MI | 147 | $ 17,398,000 | $ 118,353 | $ 51,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 146 | $ 38,309,000 | $ 262,390 | $ 143,000 |
| Modesto, CA | 145 | $ 31,046,000 | $ 214,110 | $ 182,000 |
| Provo-Orem, UT | 144 | $ 19,175,000 | $ 133,159 | $ 82,000 |
| Winston-Salem, NC | 138 | $ 12,756,000 | $ 92,434 | $ 54,000 |
| Birmingham-Hoover, AL | 137 | $ 14,808,000 | $ 108,087 | $ 0 |
| Killeen-Temple-Fort Hood, TX | 132 | $ 10,679,000 | $ 80,901 | $ 59,000 |
| Salinas, CA | 127 | $ 31,566,000 | $ 248,551 | $ 151,000 |
| Sarasota-Bradenton-Venice, FL | 127 | $ 17,583,000 | $ 138,448 | $ 71,000 |
| Wilmington, NC | 127 | $ 15,344,000 | $ 120,818 | $ 58,000 |
| Bridgeport-Stamford-Norwalk, CT | 122 | $ 32,206,000 | $ 263,983 | $ 130,000 |
| Burlington, NC | 122 | $ 10,858,000 | $ 89,000 | $ 47,000 |
| Lake County-Kenosha County, IL-WI | 122 | $ 21,268,000 | $ 174,327 | $ 67,000 |
| Lawton, OK | 120 | $ 7,455,000 | $ 62,125 | $ 38,000 |
| Lexington-Fayette, KY | 120 | $ 11,270,000 | $ 93,916 | $ 44,000 |
| Greeley, CO | 119 | $ 16,252,000 | $ 136,571 | $ 67,000 |
| Beaumont-Port Arthur, TX | 118 | $ 8,067,000 | $ 68,364 | $ 48,000 |
| Fort Collins-Loveland, CO | 118 | $ 18,452,000 | $ 156,372 | $ 71,000 |
| Reno-Sparks, NV | 117 | $ 22,947,000 | $ 196,128 | $ 70,000 |
| Palm Bay-Melbourne-Titusville, FL | 114 | $ 13,137,000 | $ 115,236 | $ 67,000 |
| Springfield, OH | 111 | $ 9,146,000 | $ 82,396 | $ 59,000 |
| Greenville, NC | 108 | $ 9,877,000 | $ 91,453 | $ 62,000 |
| Anderson, IN | 104 | $ 6,514,000 | $ 62,634 | $ 40,000 |
| Tucson, AZ | 104 | $ 14,678,000 | $ 141,134 | $ 51,000 |
| Salem, OR | 103 | $ 12,933,000 | $ 125,563 | $ 63,000 |
| Wichita Falls, TX | 102 | $ 6,564,000 | $ 64,352 | $ 45,000 |
| South Bend-Mishawaka, IN-MI | 99 | $ 6,375,000 | $ 64,393 | $ 39,000 |
| Santa Rosa-Petaluma, CA | 95 | $ 18,404,000 | $ 193,726 | $ 147,000 |
| York-Hanover, PA | 95 | $ 10,741,000 | $ 113,063 | $ 52,000 |
| Nashville-Davidson--Murfreesboro, TN | 92 | $ 11,087,000 | $ 120,510 | $ 40,000 |
| Springfield, MO | 88 | $ 8,332,000 | $ 94,681 | $ 63,000 |
| Lansing-East Lansing, MI | 87 | $ 9,228,000 | $ 106,068 | $ 49,000 |
| Lynchburg, VA | 84 | $ 7,116,000 | $ 84,714 | $ 51,000 |
| Muskegon-Norton Shores, MI | 82 | $ 6,171,000 | $ 75,256 | $ 38,000 |
| Tallahassee, FL | 81 | $ 8,041,000 | $ 99,271 | $ 50,000 |
| Florence, SC | 80 | $ 6,967,000 | $ 87,087 | $ 41,000 |
| Memphis, TN-MS-AR | 79 | $ 7,092,000 | $ 89,772 | $ 23,000 |
| Columbus, GA-AL | 78 | $ 7,291,000 | $ 93,474 | $ 45,000 |
| Elizabethtown, KY | 78 | $ 6,958,000 | $ 89,205 | $ 43,000 |
| Merced, CA | 76 | $ 15,389,000 | $ 202,486 | $ 113,000 |
| Scranton--Wilkes-Barre, PA | 75 | $ 5,592,000 | $ 74,560 | $ 41,000 |
| Bloomington, IN | 74 | $ 6,470,000 | $ 87,432 | $ 42,000 |
| Shreveport-Bossier City, LA | 74 | $ 5,822,000 | $ 78,675 | $ 42,000 |
| Wilmington, DE-MD-NJ | 73 | $ 11,124,000 | $ 152,383 | $ 53,000 |
| Harrisburg-Carlisle, PA | 72 | $ 7,116,000 | $ 98,833 | $ 44,000 |
| Naples-Marco Island, FL | 72 | $ 13,070,000 | $ 181,527 | $ 85,000 |
| Savannah, GA | 71 | $ 8,591,000 | $ 121,000 | $ 49,000 |
| Waco, TX | 71 | $ 4,714,000 | $ 66,394 | $ 52,000 |
| Athens-Clarke County, GA | 70 | $ 7,477,000 | $ 106,814 | $ 70,000 |
| Rockford, IL | 70 | $ 5,710,000 | $ 81,571 | $ 37,000 |
| Wichita, KS | 70 | $ 5,605,000 | $ 80,071 | $ 35,000 |
| Bowling Green, KY | 69 | $ 6,145,000 | $ 89,057 | $ 46,000 |
| Baton Rouge, LA | 68 | $ 6,739,000 | $ 99,102 | $ 67,000 |
| Erie, PA | 68 | $ 4,712,000 | $ 69,294 | $ 36,000 |
| Ann Arbor, MI | 66 | $ 10,921,000 | $ 165,469 | $ 61,000 |
| Lancaster, PA | 66 | $ 8,998,000 | $ 136,333 | $ 86,000 |
| Atlantic City, NJ | 65 | $ 11,618,000 | $ 178,738 | $ 65,000 |
| Mansfield, OH | 65 | $ 5,041,000 | $ 77,553 | $ 55,000 |
| Muncie, IN | 64 | $ 3,540,000 | $ 55,312 | $ 43,000 |
| Spartanburg, SC | 64 | $ 5,611,000 | $ 87,671 | $ 46,000 |
| Dalton, GA | 63 | $ 9,074,000 | $ 144,031 | $ 68,000 |
| Corpus Christi, TX | 62 | $ 4,650,000 | $ 75,000 | $ 68,000 |
| Visalia-Porterville, CA | 62 | $ 9,704,000 | $ 156,516 | $ 96,000 |
| Pueblo, CO | 60 | $ 6,569,000 | $ 109,483 | $ 44,000 |
| Owensboro, KY | 59 | $ 4,243,000 | $ 71,915 | $ 50,000 |
| Sandusky, OH | 59 | $ 5,601,000 | $ 94,932 | $ 44,000 |
| Tyler, TX | 59 | $ 4,966,000 | $ 84,169 | $ 55,000 |
| Lima, OH | 58 | $ 3,812,000 | $ 65,724 | $ 45,000 |
| Sherman-Denison, TX | 57 | $ 4,962,000 | $ 87,052 | $ 57,000 |
| Albuquerque, NM | 56 | $ 6,440,000 | $ 115,000 | $ 41,000 |
| Boulder, CO | 56 | $ 9,377,000 | $ 167,446 | $ 95,000 |
| Charleston, WV | 56 | $ 4,508,000 | $ 80,500 | $ 38,000 |
| Reading, PA | 56 | $ 5,517,000 | $ 98,517 | $ 52,000 |
| Knoxville, TN | 55 | $ 5,918,000 | $ 107,600 | $ 34,000 |
| Boston-Quincy, MA | 54 | $ 13,186,000 | $ 244,185 | $ 12,000 |
| Longview, TX | 54 | $ 4,198,000 | $ 77,740 | $ 55,000 |
| Pensacola-Ferry Pass-Brent, FL | 54 | $ 5,964,000 | $ 110,444 | $ 42,000 |
| Bellingham, WA | 51 | $ 8,005,000 | $ 156,960 | $ 78,000 |
| Jackson, MI | 51 | $ 4,606,000 | $ 90,313 | $ 34,000 |
| Lake Charles, LA | 51 | $ 4,616,000 | $ 90,509 | $ 45,000 |
| Johnstown, PA | 50 | $ 3,203,000 | $ 64,060 | $ 48,000 |
| Elkhart-Goshen, IN | 49 | $ 4,213,000 | $ 85,979 | $ 43,000 |
| Sumter, SC | 49 | $ 3,921,000 | $ 80,020 | $ 46,000 |
| Gainesville, GA | 48 | $ 4,886,000 | $ 101,791 | $ 43,000 |
| Lubbock, TX | 48 | $ 3,846,000 | $ 80,125 | $ 72,000 |
| Macon, GA | 47 | $ 3,678,000 | $ 78,255 | $ 33,000 |
| Parkersburg-Marietta, WV-OH | 47 | $ 3,607,000 | $ 76,744 | $ 36,000 |
| Danville, VA | 46 | $ 3,640,000 | $ 79,130 | $ 57,000 |
| Boise City-Nampa, ID | 45 | $ 5,378,000 | $ 119,511 | $ 31,000 |
| Albany, GA | 44 | $ 4,365,000 | $ 99,204 | $ 59,000 |
| Cheyenne, WY | 44 | $ 4,879,000 | $ 110,886 | $ 49,000 |
| Omaha-Council Bluffs, NE-IA | 43 | $ 4,070,000 | $ 94,651 | $ 108,000 |
| Winchester, VA-WV | 43 | $ 6,572,000 | $ 152,837 | $ 61,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 42 | $ 4,976,000 | $ 118,476 | $ 75,000 |
| Gainesville, FL | 42 | $ 3,897,000 | $ 92,785 | $ 33,000 |
| Monroe, MI | 42 | $ 5,772,000 | $ 137,428 | $ 57,000 |
| Trenton-Ewing, NJ | 42 | $ 7,169,000 | $ 170,690 | $ 70,000 |
| Chattanooga, TN-GA | 41 | $ 4,044,000 | $ 98,634 | $ 47,000 |
| Punta Gorda, FL | 41 | $ 5,528,000 | $ 134,829 | $ 63,000 |
| Longview, WA | 40 | $ 4,140,000 | $ 103,500 | $ 59,000 |
| Kokomo, IN | 39 | $ 3,158,000 | $ 80,974 | $ 52,000 |
| Worcester, MA | 39 | $ 7,058,000 | $ 180,974 | $ 31,000 |
| Battle Creek, MI | 38 | $ 2,718,000 | $ 71,526 | $ 39,000 |
| Anderson, SC | 37 | $ 3,095,000 | $ 83,648 | $ 46,000 |
| Huntington-Ashland, WV-KY-OH | 37 | $ 3,006,000 | $ 81,243 | $ 29,000 |
| Laredo, TX | 37 | $ 4,723,000 | $ 127,648 | $ 80,000 |
| St. George, UT | 37 | $ 4,477,000 | $ 121,000 | $ 69,000 |
| Montgomery, AL | 36 | $ 2,002,000 | $ 55,611 | $ 8,000 |
| Saginaw-Saginaw Township North, MI | 36 | $ 2,532,000 | $ 70,333 | $ 45,000 |
| Yuba City, CA | 36 | $ 6,747,000 | $ 187,416 | $ 63,000 |
| Farmington, NM | 35 | $ 4,058,000 | $ 115,942 | $ 63,000 |
| Mobile, AL | 35 | $ 2,935,000 | $ 83,857 | $ 0 |
| Olympia, WA | 34 | $ 5,155,000 | $ 151,617 | $ 51,000 |
| Portland-South Portland-Biddeford, ME | 34 | $ 7,241,000 | $ 212,970 | $ 55,000 |
| Kalamazoo-Portage, MI | 32 | $ 2,781,000 | $ 86,906 | $ 39,000 |
| Wheeling, WV-OH | 32 | $ 1,990,000 | $ 62,187 | $ 32,000 |
| Abilene, TX | 31 | $ 2,163,000 | $ 69,774 | $ 56,000 |
| Amarillo, TX | 30 | $ 1,910,000 | $ 63,666 | $ 40,000 |
| Augusta-Richmond County, GA-SC | 30 | $ 2,444,000 | $ 81,466 | $ 65,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 30 | $ 7,655,000 | $ 255,166 | $ 100,000 |
| Santa Cruz-Watsonville, CA | 30 | $ 7,579,000 | $ 252,633 | $ 143,000 |
| Cambridge-Newton-Framingham, MA | 28 | $ 7,561,000 | $ 270,035 | $ 0 |
| Jacksonville, NC | 28 | $ 2,629,000 | $ 93,892 | $ 49,000 |
| Spokane, WA | 28 | $ 4,518,000 | $ 161,357 | $ 104,000 |
| St. Joseph, MO-KS | 28 | $ 1,874,000 | $ 66,928 | $ 30,000 |
| Goldsboro, NC | 27 | $ 2,036,000 | $ 75,407 | $ 46,000 |
| College Station-Bryan, TX | 26 | $ 2,118,000 | $ 81,461 | $ 73,000 |
| Des Moines, IA | 26 | $ 2,625,000 | $ 100,961 | $ 21,000 |
| Prescott, AZ | 26 | $ 3,237,000 | $ 124,500 | $ 162,000 |
| Rockingham County-Strafford County, NH | 26 | $ 4,740,000 | $ 182,307 | $ 40,000 |
| Topeka, KS | 26 | $ 2,539,000 | $ 97,653 | $ 32,000 |
| Warner Robins, GA | 26 | $ 2,483,000 | $ 95,500 | $ 49,000 |
| Michigan City-La Porte, IN | 25 | $ 2,216,000 | $ 88,640 | $ 35,000 |
| San Angelo, TX | 25 | $ 1,455,000 | $ 58,200 | $ 45,000 |
| Chico, CA | 24 | $ 3,997,000 | $ 166,541 | $ 42,000 |
| Dover, DE | 24 | $ 3,469,000 | $ 144,541 | $ 46,000 |
| Harrisonburg, VA | 24 | $ 2,586,000 | $ 107,750 | $ 41,000 |
| Bremerton-Silverdale, WA | 23 | $ 4,483,000 | $ 194,913 | $ 74,000 |
| Norwich-New London, CT | 23 | $ 4,787,000 | $ 208,130 | $ 62,000 |
| Odessa, TX | 23 | $ 1,290,000 | $ 56,086 | $ 54,000 |
| Panama City-Lynn Haven, FL | 23 | $ 2,862,000 | $ 124,434 | $ 64,000 |
| Racine, WI | 23 | $ 2,177,000 | $ 94,652 | $ 25,000 |
| Altoona, PA | 22 | $ 1,421,000 | $ 64,590 | $ 37,000 |
| Eugene-Springfield, OR | 22 | $ 2,930,000 | $ 133,181 | $ 44,000 |
| Grand Junction, CO | 22 | $ 2,629,000 | $ 119,500 | $ 72,000 |
| Hot Springs, AR | 22 | $ 2,023,000 | $ 91,954 | $ 61,000 |
| Lafayette, IN | 22 | $ 2,119,000 | $ 96,318 | $ 42,000 |
| Madison, WI | 22 | $ 3,176,000 | $ 144,363 | $ 34,000 |
| Vineland-Millville-Bridgeton, NJ | 22 | $ 2,756,000 | $ 125,272 | $ 48,000 |
| Williamsport, PA | 22 | $ 1,710,000 | $ 77,727 | $ 49,000 |
| Charlottesville, VA | 21 | $ 3,060,000 | $ 145,714 | $ 69,000 |
| Fort Walton Beach-Crestview-Destin, FL | 21 | $ 3,869,000 | $ 184,238 | $ 86,000 |
| Holland-Grand Haven, MI | 21 | $ 2,321,000 | $ 110,523 | $ 21,000 |
| Huntsville, AL | 21 | $ 1,730,000 | $ 82,380 | $ 0 |
| Peoria, IL | 21 | $ 1,731,000 | $ 82,428 | $ 52,000 |
| Vero Beach, FL | 21 | $ 3,488,000 | $ 166,095 | $ 58,000 |
| Victoria, TX | 21 | $ 1,773,000 | $ 84,428 | $ 76,000 |
| Weirton-Steubenville, WV-OH | 21 | $ 1,746,000 | $ 83,142 | $ 33,000 |
| Yuma, AZ | 21 | $ 2,442,000 | $ 116,285 | $ 40,000 |
| Bay City, MI | 20 | $ 1,409,000 | $ 70,450 | $ 31,000 |
| Idaho Falls, ID | 20 | $ 1,474,000 | $ 73,700 | $ 49,000 |
| Kankakee-Bradley, IL | 20 | $ 1,412,000 | $ 70,600 | $ 57,000 |
| Madera, CA | 20 | $ 3,337,000 | $ 166,850 | $ 75,000 |
| Manchester-Nashua, NH | 20 | $ 3,996,000 | $ 199,800 | $ 32,000 |
| Napa, CA | 20 | $ 5,492,000 | $ 274,600 | $ 175,000 |
| Rome, GA | 20 | $ 2,147,000 | $ 107,350 | $ 47,000 |
| Blacksburg-Christiansburg-Radford, VA | 19 | $ 2,018,000 | $ 106,210 | $ 45,000 |
| Janesville, WI | 19 | $ 1,682,000 | $ 88,526 | $ 36,000 |
| Springfield, IL | 19 | $ 1,041,000 | $ 54,789 | $ 34,000 |
| Cleveland, TN | 18 | $ 1,785,000 | $ 99,166 | $ 35,000 |
| Essex County, MA | 18 | $ 5,202,000 | $ 289,000 | $ 0 |
| Pine Bluff, AR | 18 | $ 1,416,000 | $ 78,666 | $ 49,000 |
| Salisbury, MD | 18 | $ 2,089,000 | $ 116,055 | $ 53,000 |
| Johnson City, TN | 17 | $ 1,343,000 | $ 79,000 | $ 53,000 |
| Medford, OR | 17 | $ 3,611,000 | $ 212,411 | $ 94,000 |
| San Luis Obispo-Paso Robles, CA | 17 | $ 6,008,000 | $ 353,411 | $ 104,000 |
| Columbus, IN | 16 | $ 1,821,000 | $ 113,812 | $ 70,000 |
| Houma-Bayou Cane-Thibodaux, LA | 16 | $ 1,699,000 | $ 106,187 | $ 45,000 |
| Las Cruces, NM | 16 | $ 2,684,000 | $ 167,750 | $ 76,000 |
| Morristown, TN | 16 | $ 1,144,000 | $ 71,500 | $ 33,000 |
| Niles-Benton Harbor, MI | 16 | $ 2,319,000 | $ 144,937 | $ 51,000 |
| Redding, CA | 16 | $ 3,165,000 | $ 197,812 | $ 54,000 |
| El Centro, CA | 15 | $ 2,093,000 | $ 139,533 | $ 55,000 |
| Flagstaff, AZ | 15 | $ 2,115,000 | $ 141,000 | $ 63,000 |
| Hanford-Corcoran, CA | 15 | $ 2,024,000 | $ 134,933 | $ 70,000 |
| Lebanon, PA | 15 | $ 1,605,000 | $ 107,000 | $ 43,000 |
| Midland, TX | 15 | $ 1,081,000 | $ 72,066 | $ 38,000 |
| Mount Vernon-Anacortes, WA | 15 | $ 1,756,000 | $ 117,066 | $ 96,000 |
| Yakima, WA | 15 | $ 1,730,000 | $ 115,333 | $ 71,000 |
| Bend, OR | 14 | $ 2,350,000 | $ 167,857 | $ 45,000 |
| Brunswick, GA | 14 | $ 1,365,000 | $ 97,500 | $ 44,000 |
| Duluth, MN-WI | 14 | $ 1,547,000 | $ 110,500 | $ 74,000 |
| Fort Smith, AR-OK | 14 | $ 1,022,000 | $ 73,000 | $ 42,000 |
| Morgantown, WV | 14 | $ 1,595,000 | $ 113,928 | $ 51,000 |
| Ocean City, NJ | 14 | $ 3,728,000 | $ 266,285 | $ 143,000 |
| Springfield, MA | 13 | $ 2,079,000 | $ 159,923 | $ 0 |
| Cedar Rapids, IA | 12 | $ 1,477,000 | $ 123,083 | $ 30,000 |
| Hagerstown-Martinsburg, MD-WV | 12 | $ 2,248,000 | $ 187,333 | $ 31,000 |
| Jefferson City, MO | 12 | $ 937,000 | $ 78,083 | $ 45,000 |
| St. Cloud, MN | 12 | $ 1,644,000 | $ 137,000 | $ 38,000 |
| Columbia, MO | 11 | $ 736,000 | $ 66,909 | $ 19,000 |
| Cumberland, MD-WV | 11 | $ 971,000 | $ 88,272 | $ 57,000 |
| Kennewick-Richland-Pasco, WA | 11 | $ 1,069,000 | $ 97,181 | $ 37,000 |
| Kingsport-Bristol-Bristol, TN-VA | 11 | $ 874,000 | $ 79,454 | $ 48,000 |
| Lafayette, LA | 11 | $ 1,057,000 | $ 96,090 | $ 23,000 |
| Logan, UT-ID | 11 | $ 1,087,000 | $ 98,818 | $ 34,000 |
| Texarkana, Tx-Texarkana, AR | 11 | $ 705,000 | $ 64,090 | $ 42,000 |
| Champaign-Urbana, IL | 10 | $ 735,000 | $ 73,500 | $ 30,000 |
| Joplin, MO | 10 | $ 838,000 | $ 83,800 | $ 52,000 |
| Rochester, MN | 9 | $ 1,096,000 | $ 121,777 | $ 21,000 |
| Valdosta, GA | 9 | $ 836,000 | $ 92,888 | $ 43,000 |
| Auburn-Opelika, AL | 8 | $ 906,000 | $ 113,250 | $ 0 |
| Clarksville, TN-KY | 8 | $ 620,000 | $ 77,500 | $ 0 |
| Coeur D'Alene, ID | 8 | $ 926,000 | $ 115,750 | $ 22,000 |
| Corvallis, OR | 8 | $ 866,000 | $ 108,250 | $ 284,000 |
| Florence-Muscle Shoals, AL | 8 | $ 615,000 | $ 76,875 | $ 12,000 |
| Iowa City, IA | 8 | $ 865,000 | $ 108,125 | $ 31,000 |
| Jackson, TN | 8 | $ 641,000 | $ 80,125 | $ 17,000 |
| La Crosse, WI-MN | 8 | $ 554,000 | $ 69,250 | $ 19,000 |
| Monroe, LA | 8 | $ 620,000 | $ 77,500 | $ 29,000 |
| Santa Fe, NM | 8 | $ 1,537,000 | $ 192,125 | $ 67,000 |
| Sioux City, IA-NE-SD | 8 | $ 390,000 | $ 48,750 | $ 0 |
| State College, PA | 8 | $ 930,000 | $ 116,250 | $ 41,000 |
| Tuscaloosa, AL | 8 | $ 1,059,000 | $ 132,375 | $ 0 |
| Alexandria, LA | 7 | $ 471,000 | $ 67,285 | $ 64,000 |
| Great Falls, MT | 7 | $ 708,000 | $ 101,142 | $ 40,000 |
| Green Bay, WI | 7 | $ 701,000 | $ 100,142 | $ 5,000 |
| Hinesville-Fort Stewart, GA | 7 | $ 480,000 | $ 68,571 | $ 36,000 |
| Carson City, NV | 6 | $ 616,000 | $ 102,666 | $ 85,000 |
| Gadsden, AL | 6 | $ 426,000 | $ 71,000 | $ 0 |
| Jonesboro, AR | 6 | $ 405,000 | $ 67,500 | $ 27,000 |
| Lewiston-Auburn, ME | 6 | $ 750,000 | $ 125,000 | $ 0 |
| Appleton, WI | 5 | $ 576,000 | $ 115,200 | $ 0 |
| Barnstable Town, MA | 5 | $ 1,297,000 | $ 259,400 | $ 0 |
| Bloomington-Normal, IL | 5 | $ 369,000 | $ 73,800 | $ 64,000 |
| Lawrence, KS | 5 | $ 519,000 | $ 103,800 | $ 16,000 |
| Wenatchee, WA | 5 | $ 793,000 | $ 158,600 | $ 70,000 |
| Anniston-Oxford, AL | 4 | $ 203,000 | $ 50,750 | $ 0 |
| Bangor, ME | 4 | $ 537,000 | $ 134,250 | $ 0 |
| Burlington-South Burlington, VT | 4 | $ 556,000 | $ 139,000 | $ 0 |
| Danville, IL | 4 | $ 279,000 | $ 69,750 | $ 35,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 610,000 | $ 152,500 | $ 0 |
| Decatur, AL | 4 | $ 230,000 | $ 57,500 | $ 0 |
| Fargo, ND-MN | 4 | $ 298,000 | $ 74,500 | $ 0 |
| Sheboygan, WI | 4 | $ 303,000 | $ 75,750 | $ 15,000 |
| Waterloo-Cedar Falls, IA | 4 | $ 316,000 | $ 79,000 | $ 31,000 |
| Wausau, WI | 4 | $ 549,000 | $ 137,250 | $ 0 |
| Billings, MT | 3 | $ 491,000 | $ 163,666 | $ 0 |
| Casper, WY | 3 | $ 155,000 | $ 51,666 | $ 26,000 |
| Dothan, AL | 3 | $ 306,000 | $ 102,000 | $ 0 |
| Missoula, MT | 3 | $ 461,000 | $ 153,666 | $ 0 |
| Decatur, IL | 2 | $ 126,000 | $ 63,000 | $ 16,000 |
| Fond Du Lac, WI | 2 | $ 92,000 | $ 46,000 | $ 61,000 |
| Lewiston, ID-WA | 2 | $ 204,000 | $ 102,000 | $ 0 |
| Lincoln, NE | 2 | $ 189,000 | $ 94,500 | $ 0 |
| Oshkosh-Neenah, WI | 2 | $ 243,000 | $ 121,500 | $ 0 |
| Pocatello, ID | 2 | $ 156,000 | $ 78,000 | $ 0 |
| Ames, IA | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Eau Claire, WI | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Jackson, MS | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Pascagoula, MS | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Pittsfield, MA | 1 | $ 72,000 | $ 72,000 | $ 47,000 |
| Ponce, PR | 1 | $ 88,000 | $ 88,000 | $ 147,000 |
| Rapid City, SD | 1 | $ 62,000 | $ 62,000 | $ 40,000 |
| Sioux Falls, SD | 1 | $ 72,000 | $ 72,000 | $ 0 |
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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