The Cit Group/Consumer Finance Mortgage Lending & HMDA Data, 2006
In 2006, The Cit Group/Consumer Finance of Livingston, NJ reported 89,356 mortgage applications totaling $10.9 billion, up 8% from 2005. The average application was for $122,401, and applicants reported an average income of $67,664. 32% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (4,580), Houston-Sugar Land-Baytown, TX (4,429) and Atlanta-Sandy Springs-Marietta, GA (3,052) (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 | 89,356 |
| Total Mortgage Loan Application Amount | $10,937,277,000 |
| Average Mortgage Loan Application Amount | $122,401 |
| Highest Mortgage Loan Application Amount | $1,889,000 |
| Average Applicant Income | $67,664 |
| Highest Applicant Income | $4,607,000 |
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records The Cit Group/Consumer Finance filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Chicago-Naperville-Joliet, IL | 4,580 | $ 711,882,000 | $ 155,432 | $ 67,000 |
| Houston-Sugar Land-Baytown, TX | 4,429 | $ 412,956,000 | $ 93,239 | $ 70,000 |
| Atlanta-Sandy Springs-Marietta, GA | 3,052 | $ 366,596,000 | $ 120,116 | $ 70,000 |
| St. Louis, MO-IL | 2,601 | $ 227,386,000 | $ 87,422 | $ 52,609 |
| Detroit-Livonia-Dearborn, MI | 2,293 | $ 190,301,000 | $ 82,992 | $ 49,000 |
| Pittsburgh, PA | 2,024 | $ 149,296,000 | $ 73,762 | $ 62,000 |
| Dallas-Plano-Irving, TX | 1,960 | $ 198,841,000 | $ 101,449 | $ 69,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,938 | $ 474,993,000 | $ 245,094 | $ 128,000 |
| Cincinnati-Middletown, OH-KY-IN | 1,929 | $ 186,847,000 | $ 96,862 | $ 65,087 |
| Phoenix-Mesa-Scottsdale, AZ | 1,730 | $ 250,028,000 | $ 144,524 | $ 65,000 |
| Denver-Aurora, CO | 1,728 | $ 220,377,000 | $ 127,532 | $ 79,000 |
| San Antonio, TX | 1,700 | $ 134,678,000 | $ 79,222 | $ 60,000 |
| Riverside-San Bernardino-Ontario, CA | 1,591 | $ 338,459,000 | $ 212,733 | $ 99,000 |
| Columbus, OH | 1,469 | $ 148,716,000 | $ 101,236 | $ 60,000 |
| Las Vegas-Paradise, NV | 1,412 | $ 236,751,000 | $ 167,670 | $ 84,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,161 | $ 257,422,000 | $ 221,724 | $ 81,633 |
| Tampa-St. Petersburg-Clearwater, FL | 1,106 | $ 141,889,000 | $ 128,290 | $ 60,000 |
| Oklahoma City, OK | 1,091 | $ 84,201,000 | $ 77,177 | $ 54,000 |
| Kansas City, MO-KS | 1,086 | $ 104,502,000 | $ 96,226 | $ 50,285 |
| Orlando-Kissimmee, FL | 984 | $ 137,154,000 | $ 139,384 | $ 70,000 |
| Miami-Miami Beach-Kendall, FL | 949 | $ 164,499,000 | $ 173,339 | $ 85,000 |
| Indianapolis-Carmel, IN | 937 | $ 82,762,000 | $ 88,326 | $ 61,000 |
| Cleveland-Elyria-Mentor, OH | 918 | $ 97,563,000 | $ 106,277 | $ 65,000 |
| Baltimore-Towson, MD | 877 | $ 132,634,000 | $ 151,236 | $ 64,000 |
| Fort Worth-Arlington, TX | 876 | $ 79,570,000 | $ 90,833 | $ 61,000 |
| Louisville-Jefferson County, KY-IN | 842 | $ 73,161,000 | $ 86,889 | $ 57,503 |
| Oakland-Fremont-Hayward, CA | 823 | $ 214,303,000 | $ 260,392 | $ 143,000 |
| Tulsa, OK | 777 | $ 56,724,000 | $ 73,003 | $ 57,000 |
| Philadelphia, PA | 741 | $ 87,226,000 | $ 117,713 | $ 63,000 |
| Warren-Troy-Farmington Hills, MI | 736 | $ 97,761,000 | $ 132,827 | $ 60,000 |
| Charlotte-Gastonia-Concord, NC-SC | 721 | $ 69,363,000 | $ 96,203 | $ 64,558 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 692 | $ 108,659,000 | $ 157,021 | $ 53,453 |
| El Paso, TX | 676 | $ 55,134,000 | $ 81,559 | $ 61,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 637 | $ 100,403,000 | $ 157,618 | $ 77,000 |
| Salt Lake City, UT | 616 | $ 74,822,000 | $ 121,464 | $ 72,000 |
| Toledo, OH | 613 | $ 51,352,000 | $ 83,771 | $ 59,000 |
| Austin-Round Rock, TX | 595 | $ 71,131,000 | $ 119,547 | $ 80,000 |
| Youngstown-Warren-Boardman, OH-PA | 568 | $ 41,896,000 | $ 73,760 | $ 52,767 |
| Dayton, OH | 560 | $ 46,543,000 | $ 83,112 | $ 76,000 |
| Raleigh-Cary, NC | 549 | $ 58,332,000 | $ 106,251 | $ 67,000 |
| San Diego-Carlsbad-San Marcos, CA | 544 | $ 126,301,000 | $ 232,170 | $ 127,000 |
| Akron, OH | 531 | $ 48,335,000 | $ 91,026 | $ 53,000 |
| Newark-Union, NJ-PA | 530 | $ 126,795,000 | $ 239,235 | $ 76,575 |
| Portland-Vancouver-Beaverton, OR-WA | 505 | $ 75,670,000 | $ 149,841 | $ 79,366 |
| Jacksonville, FL | 499 | $ 57,172,000 | $ 114,573 | $ 61,000 |
| Canton-Massillon, OH | 456 | $ 34,954,000 | $ 76,653 | $ 59,000 |
| Richmond, VA | 456 | $ 54,044,000 | $ 118,517 | $ 58,000 |
| Columbia, SC | 449 | $ 40,575,000 | $ 90,367 | $ 56,000 |
| Little Rock-North Little Rock, AR | 436 | $ 37,809,000 | $ 86,717 | $ 58,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 424 | $ 70,846,000 | $ 167,089 | $ 96,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 416 | $ 88,086,000 | $ 211,745 | $ 93,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 404 | $ 52,186,000 | $ 129,173 | $ 58,762 |
| Charleston-North Charleston, SC | 385 | $ 44,767,000 | $ 116,277 | $ 65,000 |
| Seattle-Bellevue-Everett, WA | 342 | $ 60,959,000 | $ 178,242 | $ 86,000 |
| McAllen-Edinburg-Mission, TX | 323 | $ 23,465,000 | $ 72,647 | $ 52,000 |
| Santa Ana-Anaheim-Irvine, CA | 320 | $ 84,306,000 | $ 263,456 | $ 123,000 |
| Greensboro-High Point, NC | 314 | $ 32,655,000 | $ 103,996 | $ 61,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 304 | $ 78,785,000 | $ 259,161 | $ 133,000 |
| Camden, NJ | 291 | $ 44,531,000 | $ 153,027 | $ 67,000 |
| Evansville, IN-KY | 278 | $ 21,476,000 | $ 77,251 | $ 52,877 |
| San Jose-Sunnyvale-Santa Clara, CA | 270 | $ 69,780,000 | $ 258,444 | $ 155,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 269 | $ 30,677,000 | $ 114,040 | $ 63,613 |
| Colorado Springs, CO | 267 | $ 33,767,000 | $ 126,468 | $ 82,000 |
| Greenville, SC | 263 | $ 22,051,000 | $ 83,844 | $ 51,000 |
| Edison, NJ | 259 | $ 61,912,000 | $ 239,042 | $ 82,000 |
| Lakeland, FL | 254 | $ 29,265,000 | $ 115,216 | $ 57,000 |
| Terre Haute, IN | 252 | $ 16,193,000 | $ 64,257 | $ 40,000 |
| Bethesda-Gaithersburg-Frederick, MD | 250 | $ 52,142,000 | $ 208,568 | $ 94,000 |
| Stockton, CA | 241 | $ 55,724,000 | $ 231,219 | $ 98,000 |
| Brownsville-Harlingen, TX | 237 | $ 17,303,000 | $ 73,008 | $ 46,000 |
| Flint, MI | 234 | $ 18,848,000 | $ 80,547 | $ 46,000 |
| Durham, NC | 228 | $ 22,483,000 | $ 98,609 | $ 62,000 |
| New York-White Plains-Wayne, NY-NJ | 223 | $ 60,760,000 | $ 272,466 | $ 100,000 |
| Asheville, NC | 220 | $ 22,161,000 | $ 100,731 | $ 59,000 |
| Fresno, CA | 216 | $ 33,028,000 | $ 152,907 | $ 70,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 210 | $ 28,170,000 | $ 134,142 | $ 70,000 |
| Cape Coral-Fort Myers, FL | 205 | $ 35,378,000 | $ 172,575 | $ 76,000 |
| Lake County-Kenosha County, IL-WI | 202 | $ 29,032,000 | $ 143,722 | $ 61,886 |
| Bakersfield, CA | 197 | $ 33,811,000 | $ 171,629 | $ 66,000 |
| Winston-Salem, NC | 189 | $ 17,878,000 | $ 94,592 | $ 61,000 |
| Fayetteville, NC | 188 | $ 15,113,000 | $ 80,388 | $ 132,000 |
| Rocky Mount, NC | 188 | $ 13,437,000 | $ 71,473 | $ 48,000 |
| Gary, IN | 187 | $ 17,016,000 | $ 90,994 | $ 48,000 |
| Bridgeport-Stamford-Norwalk, CT | 175 | $ 37,604,000 | $ 214,880 | $ 58,000 |
| Killeen-Temple-Fort Hood, TX | 174 | $ 12,497,000 | $ 71,821 | $ 67,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 173 | $ 18,456,000 | $ 106,682 | $ 49,000 |
| Corpus Christi, TX | 166 | $ 14,008,000 | $ 84,385 | $ 65,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 165 | $ 15,300,000 | $ 92,727 | $ 66,466 |
| Chattanooga, TN-GA | 164 | $ 15,680,000 | $ 95,609 | $ 52,353 |
| Tucson, AZ | 164 | $ 20,247,000 | $ 123,457 | $ 55,000 |
| Beaumont-Port Arthur, TX | 160 | $ 12,317,000 | $ 76,981 | $ 61,000 |
| San Francisco-San Mateo-Redwood City, CA | 159 | $ 36,130,000 | $ 227,232 | $ 197,000 |
| Fort Wayne, IN | 155 | $ 11,328,000 | $ 73,083 | $ 44,000 |
| Grand Rapids-Wyoming, MI | 153 | $ 14,806,000 | $ 96,771 | $ 41,000 |
| Ogden-Clearfield, UT | 152 | $ 17,887,000 | $ 117,677 | $ 57,000 |
| Grand Junction, CO | 151 | $ 17,663,000 | $ 116,973 | $ 89,000 |
| Greenville, NC | 151 | $ 13,300,000 | $ 88,079 | $ 94,000 |
| Providence-New Bedford-Fall River, RI-MA | 149 | $ 29,958,000 | $ 201,060 | $ 35,208 |
| Burlington, NC | 148 | $ 13,666,000 | $ 92,337 | $ 63,000 |
| New Orleans-Metairie-Kenner, LA | 148 | $ 16,963,000 | $ 114,614 | $ 65,000 |
| Provo-Orem, UT | 147 | $ 19,517,000 | $ 132,768 | $ 68,000 |
| Port St. Lucie-Fort Pierce, FL | 146 | $ 19,784,000 | $ 135,506 | $ 63,000 |
| Hartford-West Hartford-East Hartford, CT | 141 | $ 23,693,000 | $ 168,035 | $ 34,000 |
| Ocala, FL | 140 | $ 16,168,000 | $ 115,485 | $ 84,000 |
| New Haven-Milford, CT | 137 | $ 22,711,000 | $ 165,773 | $ 28,000 |
| Greeley, CO | 135 | $ 15,976,000 | $ 118,340 | $ 90,000 |
| Wilmington, NC | 133 | $ 14,148,000 | $ 106,375 | $ 72,000 |
| Hickory-Lenoir-Morganton, NC | 131 | $ 10,987,000 | $ 83,870 | $ 67,000 |
| Vallejo-Fairfield, CA | 131 | $ 28,513,000 | $ 217,656 | $ 142,000 |
| Modesto, CA | 128 | $ 26,996,000 | $ 210,906 | $ 69,000 |
| Milwaukee-Waukesha-West Allis, WI | 127 | $ 14,237,000 | $ 112,102 | $ 33,000 |
| Lansing-East Lansing, MI | 125 | $ 11,391,000 | $ 91,128 | $ 40,000 |
| Sarasota-Bradenton-Venice, FL | 118 | $ 22,222,000 | $ 188,322 | $ 103,000 |
| Palm Bay-Melbourne-Titusville, FL | 117 | $ 13,333,000 | $ 113,957 | $ 60,000 |
| Spartanburg, SC | 116 | $ 8,341,000 | $ 71,905 | $ 56,000 |
| Harrisburg-Carlisle, PA | 115 | $ 10,908,000 | $ 94,852 | $ 65,000 |
| Muskegon-Norton Shores, MI | 114 | $ 7,051,000 | $ 61,850 | $ 37,000 |
| Pensacola-Ferry Pass-Brent, FL | 114 | $ 10,966,000 | $ 96,192 | $ 57,000 |
| Elizabethtown, KY | 112 | $ 10,676,000 | $ 95,321 | $ 51,000 |
| York-Hanover, PA | 112 | $ 12,119,000 | $ 108,205 | $ 67,000 |
| Springfield, OH | 110 | $ 8,404,000 | $ 76,400 | $ 63,000 |
| Tacoma, WA | 110 | $ 19,058,000 | $ 173,254 | $ 54,000 |
| Macon, GA | 109 | $ 9,819,000 | $ 90,082 | $ 56,000 |
| Albany, GA | 108 | $ 9,119,000 | $ 84,435 | $ 67,000 |
| Reno-Sparks, NV | 104 | $ 19,161,000 | $ 184,240 | $ 77,000 |
| Salinas, CA | 103 | $ 24,134,000 | $ 234,310 | $ 133,000 |
| Lexington-Fayette, KY | 101 | $ 11,090,000 | $ 109,801 | $ 60,000 |
| Wilmington, DE-MD-NJ | 101 | $ 14,021,000 | $ 138,821 | $ 54,950 |
| Columbus, GA-AL | 98 | $ 9,045,000 | $ 92,295 | $ 68,448 |
| Pueblo, CO | 98 | $ 8,631,000 | $ 88,071 | $ 49,000 |
| Bowling Green, KY | 95 | $ 9,464,000 | $ 99,621 | $ 69,000 |
| Jackson, MI | 95 | $ 7,821,000 | $ 82,326 | $ 44,000 |
| Wichita Falls, TX | 95 | $ 6,804,000 | $ 71,621 | $ 54,000 |
| Fort Collins-Loveland, CO | 94 | $ 12,745,000 | $ 135,585 | $ 84,000 |
| Huntington-Ashland, WV-KY-OH | 93 | $ 6,575,000 | $ 70,698 | $ 45,322 |
| Anderson, IN | 90 | $ 6,116,000 | $ 67,955 | $ 51,000 |
| Laredo, TX | 87 | $ 7,989,000 | $ 91,827 | $ 54,000 |
| Kalamazoo-Portage, MI | 85 | $ 7,612,000 | $ 89,552 | $ 38,000 |
| Roanoke, VA | 84 | $ 8,045,000 | $ 95,773 | $ 47,000 |
| Memphis, TN-MS-AR | 82 | $ 7,555,000 | $ 92,134 | $ 23,853 |
| Merced, CA | 82 | $ 17,359,000 | $ 211,695 | $ 104,000 |
| Lubbock, TX | 78 | $ 5,196,000 | $ 66,615 | $ 55,000 |
| Lynchburg, VA | 74 | $ 7,012,000 | $ 94,756 | $ 62,000 |
| Salem, OR | 74 | $ 9,548,000 | $ 129,027 | $ 57,000 |
| Anderson, SC | 71 | $ 5,231,000 | $ 73,676 | $ 49,000 |
| Naples-Marco Island, FL | 71 | $ 14,231,000 | $ 200,436 | $ 87,000 |
| Owensboro, KY | 71 | $ 4,839,000 | $ 68,154 | $ 50,000 |
| Sumter, SC | 71 | $ 5,923,000 | $ 83,422 | $ 52,000 |
| Scranton--Wilkes-Barre, PA | 70 | $ 5,172,000 | $ 73,885 | $ 42,000 |
| Birmingham-Hoover, AL | 69 | $ 7,309,000 | $ 105,927 | $ 0 |
| Florence, SC | 69 | $ 5,219,000 | $ 75,637 | $ 53,000 |
| Atlantic City, NJ | 68 | $ 10,975,000 | $ 161,397 | $ 54,000 |
| Hagerstown-Martinsburg, MD-WV | 68 | $ 11,044,000 | $ 162,411 | $ 42,411 |
| Springfield, MO | 68 | $ 4,790,000 | $ 70,441 | $ 52,000 |
| Waco, TX | 68 | $ 5,535,000 | $ 81,397 | $ 49,000 |
| Sandusky, OH | 66 | $ 5,553,000 | $ 84,136 | $ 50,000 |
| Visalia-Porterville, CA | 66 | $ 9,814,000 | $ 148,696 | $ 64,000 |
| Ann Arbor, MI | 65 | $ 8,228,000 | $ 126,584 | $ 61,000 |
| Baton Rouge, LA | 64 | $ 8,473,000 | $ 132,390 | $ 45,000 |
| Rockford, IL | 63 | $ 6,217,000 | $ 98,682 | $ 41,000 |
| Santa Rosa-Petaluma, CA | 62 | $ 13,282,000 | $ 214,225 | $ 206,000 |
| Tyler, TX | 62 | $ 5,218,000 | $ 84,161 | $ 63,000 |
| South Bend-Mishawaka, IN-MI | 60 | $ 5,074,000 | $ 84,566 | $ 52,000 |
| Tallahassee, FL | 60 | $ 7,449,000 | $ 124,150 | $ 63,000 |
| College Station-Bryan, TX | 59 | $ 4,243,000 | $ 71,915 | $ 71,000 |
| Mansfield, OH | 59 | $ 4,903,000 | $ 83,101 | $ 45,000 |
| Nashville-Davidson--Murfreesboro, TN | 59 | $ 7,543,000 | $ 127,847 | $ 29,000 |
| Bloomington, IN | 58 | $ 4,534,000 | $ 78,172 | $ 51,000 |
| Albuquerque, NM | 56 | $ 6,705,000 | $ 119,732 | $ 50,000 |
| Shreveport-Bossier City, LA | 56 | $ 5,368,000 | $ 95,857 | $ 42,000 |
| Reading, PA | 55 | $ 6,988,000 | $ 127,054 | $ 46,000 |
| Erie, PA | 54 | $ 3,647,000 | $ 67,537 | $ 56,000 |
| Lancaster, PA | 53 | $ 5,895,000 | $ 111,226 | $ 51,000 |
| Las Cruces, NM | 53 | $ 6,128,000 | $ 115,622 | $ 65,000 |
| Sherman-Denison, TX | 53 | $ 3,901,000 | $ 73,603 | $ 61,000 |
| Trenton-Ewing, NJ | 52 | $ 9,814,000 | $ 188,730 | $ 71,000 |
| Gainesville, FL | 50 | $ 5,456,000 | $ 109,120 | $ 64,000 |
| Muncie, IN | 50 | $ 3,176,000 | $ 63,520 | $ 41,000 |
| Wheeling, WV-OH | 50 | $ 3,411,000 | $ 68,220 | $ 42,560 |
| Augusta-Richmond County, GA-SC | 49 | $ 4,160,000 | $ 84,897 | $ 84,775 |
| Charleston, WV | 49 | $ 3,963,000 | $ 80,877 | $ 58,000 |
| Monroe, MI | 49 | $ 5,597,000 | $ 114,224 | $ 61,000 |
| Saginaw-Saginaw Township North, MI | 47 | $ 3,136,000 | $ 66,723 | $ 22,000 |
| Cheyenne, WY | 46 | $ 4,597,000 | $ 99,934 | $ 106,000 |
| Weirton-Steubenville, WV-OH | 46 | $ 2,863,000 | $ 62,239 | $ 58,695 |
| Altoona, PA | 45 | $ 2,449,000 | $ 54,422 | $ 47,000 |
| Fort Smith, AR-OK | 45 | $ 2,511,000 | $ 55,800 | $ 41,733 |
| Goldsboro, NC | 45 | $ 3,412,000 | $ 75,822 | $ 55,000 |
| Kokomo, IN | 45 | $ 2,810,000 | $ 62,444 | $ 41,000 |
| Lima, OH | 45 | $ 3,193,000 | $ 70,955 | $ 35,000 |
| Wichita, KS | 45 | $ 4,199,000 | $ 93,311 | $ 54,000 |
| Winchester, VA-WV | 44 | $ 7,137,000 | $ 162,204 | $ 58,295 |
| Gainesville, GA | 43 | $ 4,995,000 | $ 116,162 | $ 71,000 |
| Warner Robins, GA | 43 | $ 3,833,000 | $ 89,139 | $ 51,000 |
| Boulder, CO | 42 | $ 7,147,000 | $ 170,166 | $ 125,000 |
| Fort Walton Beach-Crestview-Destin, FL | 42 | $ 5,083,000 | $ 121,023 | $ 69,000 |
| Mobile, AL | 42 | $ 4,756,000 | $ 113,238 | $ 0 |
| St. George, UT | 41 | $ 6,353,000 | $ 154,951 | $ 41,000 |
| Longview, TX | 39 | $ 3,206,000 | $ 82,205 | $ 44,000 |
| Madera, CA | 39 | $ 7,723,000 | $ 198,025 | $ 102,000 |
| Lafayette, IN | 38 | $ 3,336,000 | $ 87,789 | $ 40,000 |
| Longview, WA | 38 | $ 3,304,000 | $ 86,947 | $ 53,000 |
| Savannah, GA | 38 | $ 4,004,000 | $ 105,368 | $ 55,000 |
| Vineland-Millville-Bridgeton, NJ | 37 | $ 5,402,000 | $ 146,000 | $ 84,000 |
| Norwich-New London, CT | 36 | $ 6,176,000 | $ 171,555 | $ 27,000 |
| Panama City-Lynn Haven, FL | 36 | $ 6,725,000 | $ 186,805 | $ 129,000 |
| Victoria, TX | 36 | $ 3,098,000 | $ 86,055 | $ 88,000 |
| Boise City-Nampa, ID | 35 | $ 4,208,000 | $ 120,228 | $ 28,000 |
| Dalton, GA | 35 | $ 5,840,000 | $ 166,857 | $ 71,000 |
| Johnstown, PA | 35 | $ 2,160,000 | $ 61,714 | $ 38,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 35 | $ 2,971,000 | $ 84,885 | $ 42,971 |
| Knoxville, TN | 34 | $ 4,283,000 | $ 125,970 | $ 12,000 |
| Omaha-Council Bluffs, NE-IA | 34 | $ 2,966,000 | $ 87,235 | $ 59,235 |
| Santa Barbara-Santa Maria, CA | 34 | $ 8,878,000 | $ 261,117 | $ 92,000 |
| Athens-Clarke County, GA | 33 | $ 3,597,000 | $ 109,000 | $ 48,000 |
| Texarkana, Tx-Texarkana, AR | 33 | $ 2,555,000 | $ 77,424 | $ 48,727 |
| Abilene, TX | 32 | $ 2,354,000 | $ 73,562 | $ 64,000 |
| Hot Springs, AR | 32 | $ 2,769,000 | $ 86,531 | $ 54,000 |
| Spokane, WA | 32 | $ 4,038,000 | $ 126,187 | $ 39,000 |
| Duluth, MN-WI | 31 | $ 2,435,000 | $ 78,548 | $ 4,193 |
| El Centro, CA | 31 | $ 4,956,000 | $ 159,870 | $ 54,000 |
| Holland-Grand Haven, MI | 31 | $ 2,945,000 | $ 95,000 | $ 41,000 |
| Santa Cruz-Watsonville, CA | 31 | $ 6,925,000 | $ 223,387 | $ 180,000 |
| Elkhart-Goshen, IN | 29 | $ 2,384,000 | $ 82,206 | $ 52,000 |
| Lawton, OK | 29 | $ 1,732,000 | $ 59,724 | $ 47,000 |
| Niles-Benton Harbor, MI | 29 | $ 3,696,000 | $ 127,448 | $ 30,000 |
| Battle Creek, MI | 28 | $ 2,442,000 | $ 87,214 | $ 30,000 |
| Lawrence, KS | 28 | $ 2,854,000 | $ 101,928 | $ 59,000 |
| Bellingham, WA | 27 | $ 4,887,000 | $ 181,000 | $ 174,000 |
| Lake Charles, LA | 27 | $ 1,853,000 | $ 68,629 | $ 43,000 |
| Topeka, KS | 27 | $ 2,279,000 | $ 84,407 | $ 23,000 |
| Boston-Quincy, MA | 26 | $ 5,925,000 | $ 227,884 | $ 0 |
| Green Bay, WI | 26 | $ 2,731,000 | $ 105,038 | $ 64,000 |
| Punta Gorda, FL | 26 | $ 3,316,000 | $ 127,538 | $ 63,000 |
| Sebastian-Vero Beach, FL | 26 | $ 4,633,000 | $ 178,192 | $ 169,000 |
| Danville, VA | 25 | $ 1,518,000 | $ 60,720 | $ 48,000 |
| Eugene-Springfield, OR | 25 | $ 3,620,000 | $ 144,800 | $ 55,000 |
| Jacksonville, NC | 24 | $ 1,928,000 | $ 80,333 | $ 78,000 |
| Redding, CA | 24 | $ 4,406,000 | $ 183,583 | $ 29,000 |
| Charlottesville, VA | 23 | $ 3,977,000 | $ 172,913 | $ 41,000 |
| Cumberland, MD-WV | 23 | $ 2,210,000 | $ 96,086 | $ 45,304 |
| Kankakee-Bradley, IL | 22 | $ 1,494,000 | $ 67,909 | $ 41,000 |
| Ocean City, NJ | 22 | $ 5,366,000 | $ 243,909 | $ 59,000 |
| Olympia, WA | 22 | $ 4,019,000 | $ 182,681 | $ 56,000 |
| Portland-South Portland-Biddeford, ME | 22 | $ 4,253,000 | $ 193,318 | $ 13,000 |
| Bremerton-Silverdale, WA | 21 | $ 3,348,000 | $ 159,428 | $ 53,000 |
| San Luis Obispo-Paso Robles, CA | 21 | $ 5,804,000 | $ 276,380 | $ 136,000 |
| Williamsport, PA | 20 | $ 1,168,000 | $ 58,400 | $ 35,000 |
| Dover, DE | 19 | $ 3,253,000 | $ 171,210 | $ 81,000 |
| Hanford-Corcoran, CA | 19 | $ 2,981,000 | $ 156,894 | $ 39,000 |
| Lebanon, PA | 19 | $ 1,679,000 | $ 88,368 | $ 79,000 |
| Mount Vernon-Anacortes, WA | 19 | $ 2,900,000 | $ 152,631 | $ 85,000 |
| Yuma, AZ | 19 | $ 3,368,000 | $ 177,263 | $ 50,000 |
| Joplin, MO | 18 | $ 1,300,000 | $ 72,222 | $ 82,000 |
| Columbia, MO | 17 | $ 1,598,000 | $ 94,000 | $ 60,000 |
| Jonesboro, AR | 17 | $ 1,686,000 | $ 99,176 | $ 57,000 |
| Lafayette, LA | 17 | $ 1,721,000 | $ 101,235 | $ 7,000 |
| Michigan City-La Porte, IN | 17 | $ 1,248,000 | $ 73,411 | $ 51,000 |
| Midland, TX | 17 | $ 1,411,000 | $ 83,000 | $ 51,000 |
| San Angelo, TX | 17 | $ 1,285,000 | $ 75,588 | $ 40,000 |
| St. Joseph, MO-KS | 17 | $ 1,604,000 | $ 94,352 | $ 29,000 |
| Amarillo, TX | 15 | $ 1,033,000 | $ 68,866 | $ 46,000 |
| Brunswick, GA | 15 | $ 1,556,000 | $ 103,733 | $ 82,000 |
| Harrisonburg, VA | 15 | $ 2,359,000 | $ 157,266 | $ 48,000 |
| Pine Bluff, AR | 15 | $ 1,256,000 | $ 83,733 | $ 52,000 |
| Rome, GA | 15 | $ 1,654,000 | $ 110,266 | $ 48,000 |
| Yuba City, CA | 15 | $ 3,016,000 | $ 201,066 | $ 41,000 |
| Des Moines-West Des Moines, IA | 14 | $ 1,659,000 | $ 118,500 | $ 27,000 |
| Flagstaff, AZ | 14 | $ 2,477,000 | $ 176,928 | $ 75,000 |
| Oshkosh-Neenah, WI | 14 | $ 904,000 | $ 64,571 | $ 38,000 |
| Prescott, AZ | 14 | $ 2,381,000 | $ 170,071 | $ 77,000 |
| Appleton, WI | 13 | $ 837,000 | $ 64,384 | $ 40,000 |
| Bay City, MI | 13 | $ 817,000 | $ 62,846 | $ 25,000 |
| Chico, CA | 13 | $ 2,422,000 | $ 186,307 | $ 51,000 |
| Columbus, IN | 13 | $ 1,412,000 | $ 108,615 | $ 44,000 |
| Honolulu, HI | 13 | $ 4,021,000 | $ 309,307 | $ 3,000 |
| Madison, WI | 13 | $ 1,646,000 | $ 126,615 | $ 11,000 |
| Manchester-Nashua, NH | 13 | $ 2,945,000 | $ 226,538 | $ 8,000 |
| Napa, CA | 13 | $ 2,378,000 | $ 182,923 | $ 108,000 |
| State College, PA | 13 | $ 1,139,000 | $ 87,615 | $ 76,000 |
| Coeur D'Alene, ID | 12 | $ 1,594,000 | $ 132,833 | $ 45,000 |
| Montgomery, AL | 12 | $ 1,222,000 | $ 101,833 | $ 0 |
| St. Cloud, MN | 12 | $ 1,515,000 | $ 126,250 | $ 10,000 |
| Blacksburg-Christiansburg-Radford, VA | 11 | $ 1,224,000 | $ 111,272 | $ 38,000 |
| Clarksville, TN-KY | 11 | $ 882,000 | $ 80,181 | $ 42,363 |
| Huntsville, AL | 11 | $ 1,043,000 | $ 94,818 | $ 0 |
| Morgantown, WV | 11 | $ 1,089,000 | $ 99,000 | $ 68,000 |
| Rockingham County-Strafford County, NH | 11 | $ 2,463,000 | $ 223,909 | $ 71,000 |
| Gadsden, AL | 10 | $ 872,000 | $ 87,200 | $ 0 |
| Jefferson City, MO | 10 | $ 1,228,000 | $ 122,800 | $ 54,000 |
| Kennewick-Richland-Pasco, WA | 10 | $ 1,119,000 | $ 111,900 | $ 29,000 |
| Kingsport-Bristol-Bristol, TN-VA | 10 | $ 740,000 | $ 74,000 | $ 64,100 |
| Medford, OR | 10 | $ 1,600,000 | $ 160,000 | $ 35,000 |
| Odessa, TX | 10 | $ 559,000 | $ 55,900 | $ 40,000 |
| Racine, WI | 10 | $ 1,266,000 | $ 126,600 | $ 19,000 |
| Valdosta, GA | 10 | $ 1,182,000 | $ 118,200 | $ 66,000 |
| Worcester, MA | 10 | $ 1,475,000 | $ 147,500 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 9 | $ 926,000 | $ 102,888 | $ 43,888 |
| Yakima, WA | 9 | $ 715,000 | $ 79,444 | $ 49,000 |
| Cambridge-Newton-Framingham, MA | 8 | $ 2,004,000 | $ 250,500 | $ 0 |
| Champaign-Urbana, IL | 8 | $ 659,000 | $ 82,375 | $ 4,000 |
| Salisbury, MD | 8 | $ 989,000 | $ 123,625 | $ 61,000 |
| Springfield, MA | 8 | $ 961,000 | $ 120,125 | $ 0 |
| Bangor, ME | 7 | $ 926,000 | $ 132,285 | $ 0 |
| Bloomington-Normal, IL | 7 | $ 1,001,000 | $ 143,000 | $ 64,000 |
| Cleveland, TN | 7 | $ 726,000 | $ 103,714 | $ 16,000 |
| Decatur, AL | 7 | $ 799,000 | $ 114,142 | $ 0 |
| Hinesville-Fort Stewart, GA | 7 | $ 487,000 | $ 69,571 | $ 24,000 |
| Lewiston-Auburn, ME | 7 | $ 658,000 | $ 94,000 | $ 39,000 |
| Rochester, MN | 7 | $ 850,000 | $ 121,428 | $ 41,000 |
| Bend, OR | 6 | $ 993,000 | $ 165,500 | $ 41,000 |
| Burlington-South Burlington, VT | 6 | $ 1,039,000 | $ 173,166 | $ 24,000 |
| Essex County, MA | 6 | $ 1,261,000 | $ 210,166 | $ 0 |
| Farmington, NM | 6 | $ 637,000 | $ 106,166 | $ 78,000 |
| Janesville, WI | 6 | $ 604,000 | $ 100,666 | $ 17,000 |
| Logan, UT-ID | 6 | $ 647,000 | $ 107,833 | $ 22,000 |
| Monroe, LA | 6 | $ 472,000 | $ 78,666 | $ 36,000 |
| Peoria, IL | 6 | $ 541,000 | $ 90,166 | $ 32,000 |
| Wenatchee, WA | 6 | $ 820,000 | $ 136,666 | $ 0 |
| Decatur, IL | 5 | $ 407,000 | $ 81,400 | $ 40,000 |
| Johnson City, TN | 5 | $ 612,000 | $ 122,400 | $ 26,000 |
| Barnstable Town, MA | 4 | $ 1,039,000 | $ 259,750 | $ 0 |
| Carson City, NV | 4 | $ 820,000 | $ 205,000 | $ 35,000 |
| Eau Claire, WI | 4 | $ 534,000 | $ 133,500 | $ 24,000 |
| Fond Du Lac, WI | 4 | $ 439,000 | $ 109,750 | $ 10,000 |
| Grand Forks, ND-MN | 4 | $ 439,000 | $ 109,750 | $ 0 |
| Houma-Bayou Cane-Thibodaux, LA | 4 | $ 443,000 | $ 110,750 | $ 39,000 |
| Sioux City, IA-NE-SD | 4 | $ 268,000 | $ 67,000 | $ 58,000 |
| Tuscaloosa, AL | 4 | $ 481,000 | $ 120,250 | $ 0 |
| Alexandria, LA | 3 | $ 197,000 | $ 65,666 | $ 103,000 |
| Anniston-Oxford, AL | 3 | $ 373,000 | $ 124,333 | $ 0 |
| Jackson, TN | 3 | $ 244,000 | $ 81,333 | $ 5,000 |
| Lincoln, NE | 3 | $ 322,000 | $ 107,333 | $ 43,000 |
| Morristown, TN | 3 | $ 280,000 | $ 93,333 | $ 28,000 |
| Santa Fe, NM | 3 | $ 743,000 | $ 247,666 | $ 17,000 |
| Springfield, IL | 3 | $ 131,000 | $ 43,666 | $ 52,000 |
| Auburn-Opelika, AL | 2 | $ 173,000 | $ 86,500 | $ 0 |
| Cedar Rapids, IA | 2 | $ 209,000 | $ 104,500 | $ 30,000 |
| Danville, IL | 2 | $ 134,000 | $ 67,000 | $ 49,000 |
| Dubuque, IA | 2 | $ 157,000 | $ 78,500 | $ 48,000 |
| Iowa City, IA | 2 | $ 276,000 | $ 138,000 | $ 62,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 81,000 | $ 40,500 | $ 0 |
| Casper, WY | 1 | $ 210,000 | $ 210,000 | $ 60,000 |
| Corvallis, OR | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Dothan, AL | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Fargo, ND-MN | 1 | $ 140,000 | $ 140,000 | $ 87,000 |
| Florence-Muscle Shoals, AL | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Great Falls, MT | 1 | $ 98,000 | $ 98,000 | $ 84,000 |
| Hattiesburg, MS | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Lewiston, ID-WA | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Missoula, MT | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Pittsfield, MA | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Rapid City, SD | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Sheboygan, WI | 1 | $ 139,000 | $ 139,000 | $ 0 |
Mortgage Loan Application Detail Totals for The Cit Group/Consumer Finance in 2006
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 | 43,332 | $5,049,774,000 | $116,000 | $1,603,000 | $68,000 | $4,607,000 |
| Refinancing | 39,821 | $5,184,425,000 | $130,000 | $1,889,000 | $66,000 | $3,817,000 |
| Home Improvement | 6,203 | $703,078,000 | $113,000 | $911,000 | $76,000 | $2,641,000 |
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 | 33,382 | $3,765,788,000 | $112,000 | $1,548,000 | $80,000 | $4,607,000 |
| Black or African American | 17,841 | $2,008,152,000 | $112,000 | $1,889,000 | $69,000 | $3,225,000 |
| Hispanic | 12,582 | $1,575,858,000 | $125,000 | $938,000 | $78,000 | $3,817,000 |
| Not Provided | 12,234 | $1,421,425,000 | $116,000 | $1,742,000 | $77,000 | $2,794,000 |
| Not applicable | 11,555 | $1,879,904,000 | $162,000 | $1,226,000 | $0 | $0 |
| Asian | 1,310 | $220,944,000 | $168,000 | $901,000 | $124,000 | $3,279,000 |
| Native Hawaiian or Other Pacific Islander | 243 | $39,095,000 | $160,000 | $576,000 | $103,000 | $2,339,000 |
| American Indian or Alaskan Native | 209 | $26,111,000 | $124,000 | $528,000 | $79,000 | $312,000 |
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) | 89,356 | $10,937,277,000 | $122,000 | $1,889,000 | $68,000 | $4,607,000 |
| 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 | 28,559 | $3,055,002,000 | $106,000 | $1,050,000 | $75,000 | $3,403,000 |
| Application Approved But Not Accepted | 20,647 | $2,325,158,000 | $112,000 | $745,000 | $75,000 | $3,817,000 |
| Application Withdrawn By Applicant | 18,352 | $2,385,840,000 | $130,000 | $1,889,000 | $85,000 | $4,607,000 |
| Loan Purchased By The Institution | 11,576 | $1,881,971,000 | $162,000 | $1,226,000 | $0 | $0 |
| Application Denied By Financial Institution | 10,222 | $1,289,306,000 | $126,000 | $1,281,000 | $77,000 | $2,850,000 |
| 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 2006 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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