The Cit Group/Consumer Finance
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
The Cit Group/Consumer Finance 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 2,874 |
| Total Mortgage Loan Application Amount | $256,915,000 |
| Average Mortgage Loan Application Amount | $96,565 |
| Highest Mortgage Loan Application Amount | $2,550,000 |
| Average Applicant Income | $55,521 |
| Highest Applicant Income | $3,600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with The Cit Group/Consumer Finance. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing The Cit Group/Consumer Finance's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down The Cit Group/Consumer Finance's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how The Cit Group/Consumer Finance serves its applicants.
Each category highlights the total number of mortgage applications processed by The Cit Group/Consumer Finance, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at The Cit Group/Consumer Finance's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hamilton County Tennessee | 333 | $ 28,799,000 | $ 86,000 | $ 64,000 |
| Davidson County Tennessee | 313 | $ 38,599,000 | $ 123,000 | $ 83,000 |
| Shelby County Tennessee | 189 | $ 15,712,000 | $ 83,000 | $ 68,000 |
| Knox County Tennessee | 184 | $ 17,155,000 | $ 93,000 | $ 60,000 |
| Sumner County Tennessee | 103 | $ 13,519,000 | $ 131,000 | $ 82,000 |
| Rutherford County Tennessee | 101 | $ 10,060,000 | $ 99,000 | $ 59,000 |
| Blount County Tennessee | 81 | $ 7,197,000 | $ 88,000 | $ 48,000 |
| Bradley County Tennessee | 78 | $ 6,307,000 | $ 80,000 | $ 49,000 |
| Wilson County Tennessee | 53 | $ 5,651,000 | $ 106,000 | $ 56,000 |
| Tipton County Tennessee | 50 | $ 4,127,000 | $ 82,000 | $ 35,000 |
| Williamson County Tennessee | 50 | $ 8,056,000 | $ 161,000 | $ 91,000 |
| Jefferson County Tennessee | 49 | $ 3,677,000 | $ 75,000 | $ 38,000 |
| Maury County Tennessee | 48 | $ 3,893,000 | $ 81,000 | $ 63,000 |
| Loudon County Tennessee | 44 | $ 3,467,000 | $ 78,000 | $ 126,000 |
| Robertson County Tennessee | 43 | $ 3,740,000 | $ 86,000 | $ 61,000 |
| Sevier County Tennessee | 42 | $ 4,670,000 | $ 111,000 | $ 97,000 |
| McMinn County Tennessee | 36 | $ 2,680,000 | $ 74,000 | $ 43,000 |
| Madison County Tennessee | 35 | $ 2,591,000 | $ 74,000 | $ 51,000 |
| Sullivan County Tennessee | 35 | $ 2,582,000 | $ 73,000 | $ 48,000 |
| Montgomery County Tennessee | 34 | $ 2,911,000 | $ 85,000 | $ 54,000 |
| Anderson County Tennessee | 33 | $ 2,397,000 | $ 72,000 | $ 46,000 |
| Dickson County Tennessee | 33 | $ 3,354,000 | $ 101,000 | $ 51,000 |
| Hickman County Tennessee | 30 | $ 2,085,000 | $ 69,000 | $ 40,000 |
| Monroe County Tennessee | 30 | $ 2,062,000 | $ 68,000 | $ 43,000 |
| Humphreys County Tennessee | 28 | $ 1,960,000 | $ 70,000 | $ 44,000 |
| Washington County Tennessee | 28 | $ 2,390,000 | $ 85,000 | $ 42,000 |
| Cheatham County Tennessee | 27 | $ 2,585,000 | $ 95,000 | $ 48,000 |
| Rhea County Tennessee | 27 | $ 1,681,000 | $ 62,000 | $ 40,000 |
| Bedford County Tennessee | 26 | $ 2,502,000 | $ 96,000 | $ 56,000 |
| Campbell County Tennessee | 26 | $ 1,688,000 | $ 64,000 | $ 36,000 |
| Marion County Tennessee | 26 | $ 2,160,000 | $ 83,000 | $ 43,000 |
| Roane County Tennessee | 25 | $ 2,179,000 | $ 87,000 | $ 55,000 |
| Union County Tennessee | 25 | $ 1,892,000 | $ 75,000 | $ 40,000 |
| Warren County Tennessee | 25 | $ 1,576,000 | $ 63,000 | $ 33,000 |
| Coffee County Tennessee | 23 | $ 1,770,000 | $ 76,000 | $ 53,000 |
| Hawkins County Tennessee | 23 | $ 1,850,000 | $ 80,000 | $ 48,000 |
| Polk County Tennessee | 23 | $ 1,582,000 | $ 68,000 | $ 34,000 |
| Claiborne County Tennessee | 22 | $ 1,323,000 | $ 60,000 | $ 31,000 |
| Cumberland County Tennessee | 21 | $ 1,505,000 | $ 71,000 | $ 42,000 |
| Hamblen County Tennessee | 21 | $ 1,259,000 | $ 59,000 | $ 33,000 |
| Putnam County Tennessee | 21 | $ 1,748,000 | $ 83,000 | $ 38,000 |
| Greene County Tennessee | 18 | $ 1,357,000 | $ 75,000 | $ 40,000 |
| Lawrence County Tennessee | 18 | $ 969,000 | $ 53,000 | $ 27,000 |
| Sequatchie County Tennessee | 17 | $ 1,271,000 | $ 74,000 | $ 40,000 |
| Cocke County Tennessee | 16 | $ 964,000 | $ 60,000 | $ 37,000 |
| White County Tennessee | 14 | $ 932,000 | $ 66,000 | $ 39,000 |
| Grainger County Tennessee | 13 | $ 777,000 | $ 59,000 | $ 42,000 |
| Hardin County Tennessee | 13 | $ 1,071,000 | $ 82,000 | $ 40,000 |
| Marshall County Tennessee | 13 | $ 974,000 | $ 74,000 | $ 40,000 |
| Carter County Tennessee | 12 | $ 844,000 | $ 70,000 | $ 32,000 |
| Lincoln County Tennessee | 12 | $ 899,000 | $ 74,000 | $ 55,000 |
| Houston County Tennessee | 11 | $ 570,000 | $ 51,000 | $ 36,000 |
| Macon County Tennessee | 11 | $ 834,000 | $ 75,000 | $ 47,000 |
| Benton County Tennessee | 10 | $ 581,000 | $ 58,000 | $ 37,000 |
| Bledsoe County Tennessee | 10 | $ 532,000 | $ 53,000 | $ 39,000 |
| Gibson County Tennessee | 10 | $ 826,000 | $ 82,000 | $ 41,000 |
| Haywood County Tennessee | 10 | $ 458,000 | $ 45,000 | $ 52,000 |
| Lewis County Tennessee | 10 | $ 795,000 | $ 79,000 | $ 43,000 |
| Morgan County Tennessee | 10 | $ 606,000 | $ 60,000 | $ 39,000 |
| Chester County Tennessee | 9 | $ 475,000 | $ 52,000 | $ 26,000 |
| Henry County Tennessee | 9 | $ 396,000 | $ 44,000 | $ 28,000 |
| Carroll County Tennessee | 8 | $ 448,000 | $ 56,000 | $ 30,000 |
| Fayette County Tennessee | 8 | $ 743,000 | $ 92,000 | $ 57,000 |
| Franklin County Tennessee | 8 | $ 724,000 | $ 90,000 | $ 76,000 |
| Giles County Tennessee | 8 | $ 469,000 | $ 58,000 | $ 47,000 |
| McNairy County Tennessee | 8 | $ 450,000 | $ 56,000 | $ 29,000 |
| Meigs County Tennessee | 8 | $ 587,000 | $ 73,000 | $ 51,000 |
| Dyer County Tennessee | 7 | $ 336,000 | $ 48,000 | $ 42,000 |
| Walker County Georgia | 6 | $ 427,000 | $ 71,000 | $ 48,000 |
| Decatur County Tennessee | 6 | $ 450,000 | $ 75,000 | $ 38,000 |
| Henderson County Tennessee | 6 | $ 352,000 | $ 58,000 | $ 33,000 |
| Warren County Kentucky | 5 | $ 386,000 | $ 77,000 | $ 35,000 |
| Lauderdale County Tennessee | 5 | $ 309,000 | $ 61,000 | $ 33,000 |
| Catoosa County Georgia | 4 | $ 323,000 | $ 80,000 | $ 44,000 |
| Jackson County Tennessee | 4 | $ 312,000 | $ 78,000 | $ 43,000 |
| Smith County Tennessee | 4 | $ 285,000 | $ 71,000 | $ 50,000 |
| Trousdale County Tennessee | 4 | $ 369,000 | $ 92,000 | $ 42,000 |
| Whitfield County Georgia | 3 | $ 253,000 | $ 84,000 | $ 33,000 |
| Cook County Illinois | 3 | $ 482,000 | $ 160,000 | $ 143,000 |
| Christian County Kentucky | 3 | $ 174,000 | $ 58,000 | $ 24,000 |
| Cannon County Tennessee | 3 | $ 221,000 | $ 73,000 | $ 28,000 |
| DeKalb County Tennessee | 3 | $ 318,000 | $ 106,000 | $ 44,000 |
| Hardeman County Tennessee | 3 | $ 359,000 | $ 119,000 | $ 30,000 |
| Obion County Tennessee | 3 | $ 176,000 | $ 58,000 | $ 34,000 |
| Perry County Tennessee | 3 | $ 145,000 | $ 48,000 | $ 45,000 |
| Stewart County Tennessee | 3 | $ 154,000 | $ 51,000 | $ 57,000 |
| Weakley County Tennessee | 3 | $ 158,000 | $ 52,000 | $ 33,000 |
| Dade County Georgia | 2 | $ 151,000 | $ 75,000 | $ 105,000 |
| Gordon County Georgia | 2 | $ 210,000 | $ 105,000 | $ 54,000 |
| Marshall County Kentucky | 2 | $ 138,000 | $ 69,000 | $ 47,000 |
| Clay County Tennessee | 2 | $ 130,000 | $ 65,000 | $ 80,000 |
| Crockett County Tennessee | 2 | $ 75,000 | $ 37,000 | $ 30,000 |
| Grundy County Tennessee | 2 | $ 139,000 | $ 69,000 | $ 21,000 |
| Johnson County Tennessee | 2 | $ 119,000 | $ 59,000 | $ 24,000 |
| Overton County Tennessee | 2 | $ 169,000 | $ 84,000 | $ 34,000 |
| Scott County Tennessee | 2 | $ 190,000 | $ 95,000 | $ 39,000 |
| Wayne County Tennessee | 2 | $ 122,000 | $ 61,000 | $ 34,000 |
| Scott County Virginia | 2 | $ 110,000 | $ 55,000 | $ 36,000 |
| Washington County Virginia | 2 | $ 135,000 | $ 67,000 | $ 40,000 |
| Montgomery County Alabama | 1 | $ 50,000 | $ 50,000 | $ 90,000 |
| Shelby County Alabama | 1 | $ 149,000 | $ 149,000 | $ 87,000 |
| Baxter County Arkansas | 1 | $ 108,000 | $ 108,000 | $ 31,000 |
| Benton County Arkansas | 1 | $ 80,000 | $ 80,000 | $ 25,000 |
| Los Angeles County California | 1 | $ 50,000 | $ 50,000 | $ 50,000 |
| Napa County California | 1 | $ 115,000 | $ 115,000 | $ 144,000 |
| Okaloosa County Florida | 1 | $ 56,000 | $ 56,000 | $ 67,000 |
| Volusia County Florida | 1 | $ 59,000 | $ 59,000 | $ 37,000 |
| Washington County Florida | 1 | $ 57,000 | $ 57,000 | $ 34,000 |
| Bartow County Georgia | 1 | $ 108,000 | $ 108,000 | $ 51,000 |
| Carroll County Georgia | 1 | $ 81,000 | $ 81,000 | $ 60,000 |
| Liberty County Georgia | 1 | $ 83,000 | $ 83,000 | $ 41,000 |
| Peach County Georgia | 1 | $ 99,000 | $ 99,000 | $ 46,000 |
| Upson County Georgia | 1 | $ 69,000 | $ 69,000 | $ 31,000 |
| Kane County Illinois | 1 | $ 370,000 | $ 370,000 | $ 30,000 |
| Allen County Kentucky | 1 | $ 61,000 | $ 61,000 | $ 37,000 |
| Bullitt County Kentucky | 1 | $ 170,000 | $ 170,000 | $ 32,000 |
| Carter County Kentucky | 1 | $ 80,000 | $ 80,000 | $ 30,000 |
| Graves County Kentucky | 1 | $ 54,000 | $ 54,000 | $ 25,000 |
| Lyon County Kentucky | 1 | $ 86,000 | $ 86,000 | $ 34,000 |
| McCracken County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 25,000 |
| Livingston County Louisiana | 1 | $ 82,000 | $ 82,000 | $ 42,000 |
| DeSoto County Mississippi | 1 | $ 67,000 | $ 67,000 | $ 61,000 |
| Alamance County North Carolina | 1 | $ 89,000 | $ 89,000 | $ 54,000 |
| Haywood County North Carolina | 1 | $ 104,000 | $ 104,000 | $ 62,000 |
| Onslow County North Carolina | 1 | $ 59,000 | $ 59,000 | $ 36,000 |
| Moore County Tennessee | 1 | $ 62,000 | $ 62,000 | $ 68,000 |
| Pickett County Tennessee | 1 | $ 30,000 | $ 30,000 | $ 36,000 |
| Bristol County Virginia | 1 | $ 76,000 | $ 76,000 | $ 29,000 |
| Dickenson County Virginia | 1 | $ 66,000 | $ 66,000 | $ 44,000 |
| Lee County Virginia | 1 | $ 80,000 | $ 80,000 | $ 44,000 |
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 | 1,657 | $155,318,000 | $86,300 | $2,550,000 | $62,700 | $3,600,000 |
| Home Purchase | 905 | $73,466,000 | $106,600 | $641,000 | $51,700 | $900,000 |
| Home Improvement | 312 | $28,131,000 | $97,333 | $581,000 | $44,333 | $504,000 |
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 | 1,803 | $163,081,000 | $76,111 | $2,550,000 | $46,555 | $3,600,000 |
| Not Provided | 664 | $60,297,000 | $99,100 | $581,000 | $56,600 | $496,000 |
| Black or African American | 331 | $27,175,000 | $116,000 | $480,000 | $64,000 | $438,000 |
| Hispanic | 47 | $4,014,000 | $85,000 | $168,000 | $69,000 | $312,000 |
| Asian | 22 | $1,553,000 | $70,000 | $215,000 | $86,000 | $240,000 |
| American Indian or Alaskan Native | 4 | $563,000 | $140,000 | $228,000 | $71,000 | $156,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $232,000 | $77,000 | $98,000 | $149,000 | $213,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 2,874 | $256,915,000 | $90,750 | $2,550,000 | $58,250 | $3,600,000 |
| 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 | 1,065 | $94,143,000 | $101,500 | $653,000 | $98,000 | $1,320,000 |
| Application Denied By Financial Institution | 729 | $58,865,000 | $79,400 | $480,000 | $44,600 | $360,000 |
| Loan Originated | 652 | $56,151,000 | $86,000 | $494,000 | $58,000 | $1,194,000 |
| Application Withdrawn By Applicant | 428 | $47,756,000 | $91,090 | $2,550,000 | $53,727 | $3,600,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 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.
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with aggregated HMDA statistics today.