The Cit Group/Consumer Finance
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
The Cit Group/Consumer Finance 2005 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 | 2,290 |
| Total Mortgage Loan Application Amount | $218,602,000 |
| Average Mortgage Loan Application Amount | $113,263 |
| Highest Mortgage Loan Application Amount | $971,000 |
| Average Applicant Income | $71,842 |
| Highest Applicant Income | $3,600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 325 | $ 30,768,000 | $ 94,000 | $ 51,000 |
| Davidson County Tennessee | 294 | $ 31,839,000 | $ 108,000 | $ 73,000 |
| Knox County Tennessee | 138 | $ 13,288,000 | $ 96,000 | $ 59,000 |
| Shelby County Tennessee | 136 | $ 11,791,000 | $ 86,000 | $ 72,000 |
| Sumner County Tennessee | 79 | $ 10,108,000 | $ 127,000 | $ 89,000 |
| Rutherford County Tennessee | 78 | $ 8,380,000 | $ 107,000 | $ 51,000 |
| Tipton County Tennessee | 60 | $ 5,795,000 | $ 96,000 | $ 46,000 |
| Bradley County Tennessee | 59 | $ 5,099,000 | $ 86,000 | $ 43,000 |
| Wilson County Tennessee | 54 | $ 6,367,000 | $ 117,000 | $ 59,000 |
| Blount County Tennessee | 48 | $ 4,217,000 | $ 87,000 | $ 48,000 |
| Sullivan County Tennessee | 43 | $ 3,291,000 | $ 76,000 | $ 47,000 |
| Jefferson County Tennessee | 41 | $ 3,778,000 | $ 92,000 | $ 38,000 |
| Robertson County Tennessee | 41 | $ 3,927,000 | $ 95,000 | $ 138,000 |
| Maury County Tennessee | 38 | $ 3,867,000 | $ 101,000 | $ 47,000 |
| Anderson County Tennessee | 36 | $ 3,430,000 | $ 95,000 | $ 53,000 |
| Williamson County Tennessee | 36 | $ 6,649,000 | $ 184,000 | $ 95,000 |
| Dickson County Tennessee | 31 | $ 2,704,000 | $ 87,000 | $ 43,000 |
| Hamblen County Tennessee | 29 | $ 1,795,000 | $ 61,000 | $ 34,000 |
| Roane County Tennessee | 26 | $ 1,820,000 | $ 70,000 | $ 44,000 |
| Sevier County Tennessee | 25 | $ 3,068,000 | $ 122,000 | $ 102,000 |
| Greene County Tennessee | 24 | $ 1,646,000 | $ 68,000 | $ 40,000 |
| Madison County Tennessee | 24 | $ 1,825,000 | $ 76,000 | $ 45,000 |
| McMinn County Tennessee | 22 | $ 2,424,000 | $ 110,000 | $ 56,000 |
| Marion County Tennessee | 21 | $ 2,061,000 | $ 98,000 | $ 65,000 |
| Bedford County Tennessee | 20 | $ 1,791,000 | $ 89,000 | $ 54,000 |
| Cheatham County Tennessee | 20 | $ 1,585,000 | $ 79,000 | $ 55,000 |
| Montgomery County Tennessee | 20 | $ 2,077,000 | $ 103,000 | $ 68,000 |
| Campbell County Tennessee | 19 | $ 1,147,000 | $ 60,000 | $ 45,000 |
| Cumberland County Tennessee | 17 | $ 1,309,000 | $ 77,000 | $ 31,000 |
| Gibson County Tennessee | 17 | $ 1,379,000 | $ 81,000 | $ 62,000 |
| Rhea County Tennessee | 17 | $ 1,571,000 | $ 92,000 | $ 65,000 |
| Hawkins County Tennessee | 16 | $ 1,019,000 | $ 63,000 | $ 29,000 |
| Humphreys County Tennessee | 15 | $ 980,000 | $ 65,000 | $ 47,000 |
| Loudon County Tennessee | 15 | $ 1,816,000 | $ 121,000 | $ 63,000 |
| Monroe County Tennessee | 15 | $ 1,036,000 | $ 69,000 | $ 37,000 |
| Polk County Tennessee | 15 | $ 895,000 | $ 59,000 | $ 36,000 |
| Hickman County Tennessee | 14 | $ 958,000 | $ 68,000 | $ 43,000 |
| Union County Tennessee | 14 | $ 1,190,000 | $ 85,000 | $ 52,000 |
| Washington County Tennessee | 13 | $ 952,000 | $ 73,000 | $ 36,000 |
| Catoosa County Georgia | 12 | $ 1,728,000 | $ 144,000 | $ 54,000 |
| Lauderdale County Tennessee | 12 | $ 725,000 | $ 60,000 | $ 39,000 |
| Sequatchie County Tennessee | 12 | $ 1,311,000 | $ 109,000 | $ 42,000 |
| Bledsoe County Tennessee | 10 | $ 745,000 | $ 74,000 | $ 49,000 |
| Claiborne County Tennessee | 10 | $ 1,239,000 | $ 123,000 | $ 35,000 |
| Coffee County Tennessee | 10 | $ 773,000 | $ 77,000 | $ 46,000 |
| Dyer County Tennessee | 10 | $ 703,000 | $ 70,000 | $ 37,000 |
| Marshall County Tennessee | 10 | $ 660,000 | $ 66,000 | $ 48,000 |
| Cocke County Tennessee | 9 | $ 556,000 | $ 61,000 | $ 42,000 |
| Grainger County Tennessee | 9 | $ 717,000 | $ 79,000 | $ 34,000 |
| Weakley County Tennessee | 9 | $ 787,000 | $ 87,000 | $ 63,000 |
| Fayette County Tennessee | 8 | $ 2,152,000 | $ 269,000 | $ 106,000 |
| Obion County Tennessee | 8 | $ 337,000 | $ 42,000 | $ 57,000 |
| Smith County Tennessee | 8 | $ 617,000 | $ 77,000 | $ 44,000 |
| Whitfield County Georgia | 7 | $ 837,000 | $ 119,000 | $ 46,000 |
| Houston County Tennessee | 7 | $ 465,000 | $ 66,000 | $ 37,000 |
| Lawrence County Tennessee | 7 | $ 524,000 | $ 74,000 | $ 40,000 |
| Meigs County Tennessee | 7 | $ 462,000 | $ 66,000 | $ 25,000 |
| Putnam County Tennessee | 7 | $ 699,000 | $ 99,000 | $ 61,000 |
| Benton County Tennessee | 6 | $ 319,000 | $ 53,000 | $ 28,000 |
| Giles County Tennessee | 6 | $ 376,000 | $ 62,000 | $ 26,000 |
| Henry County Tennessee | 6 | $ 320,000 | $ 53,000 | $ 22,000 |
| Jackson County Tennessee | 6 | $ 470,000 | $ 78,000 | $ 44,000 |
| Stewart County Tennessee | 6 | $ 628,000 | $ 104,000 | $ 47,000 |
| Franklin County Tennessee | 5 | $ 398,000 | $ 79,000 | $ 38,000 |
| Hardeman County Tennessee | 5 | $ 339,000 | $ 67,000 | $ 24,000 |
| Henderson County Tennessee | 5 | $ 277,000 | $ 55,000 | $ 30,000 |
| Warren County Tennessee | 5 | $ 328,000 | $ 65,000 | $ 34,000 |
| Carroll County Tennessee | 4 | $ 287,000 | $ 71,000 | $ 40,000 |
| Carter County Tennessee | 4 | $ 280,000 | $ 70,000 | $ 49,000 |
| Chester County Tennessee | 4 | $ 212,000 | $ 53,000 | $ 36,000 |
| Grundy County Tennessee | 4 | $ 317,000 | $ 79,000 | $ 30,000 |
| Hardin County Tennessee | 4 | $ 218,000 | $ 54,000 | $ 37,000 |
| Haywood County Tennessee | 4 | $ 281,000 | $ 70,000 | $ 40,000 |
| Lewis County Tennessee | 4 | $ 292,000 | $ 73,000 | $ 46,000 |
| Lincoln County Tennessee | 4 | $ 271,000 | $ 67,000 | $ 41,000 |
| Morgan County Tennessee | 4 | $ 297,000 | $ 74,000 | $ 27,000 |
| Scott County Tennessee | 4 | $ 337,000 | $ 84,000 | $ 332,000 |
| Trousdale County Tennessee | 4 | $ 333,000 | $ 83,000 | $ 38,000 |
| White County Tennessee | 4 | $ 274,000 | $ 68,000 | $ 40,000 |
| Walker County Georgia | 3 | $ 173,000 | $ 57,000 | $ 55,000 |
| Cannon County Tennessee | 3 | $ 261,000 | $ 87,000 | $ 46,000 |
| Crockett County Tennessee | 3 | $ 203,000 | $ 67,000 | $ 53,000 |
| McNairy County Tennessee | 3 | $ 207,000 | $ 69,000 | $ 30,000 |
| Overton County Tennessee | 3 | $ 236,000 | $ 78,000 | $ 35,000 |
| Christian County Kentucky | 2 | $ 122,000 | $ 61,000 | $ 43,000 |
| Logan County Kentucky | 2 | $ 112,000 | $ 56,000 | $ 51,000 |
| McCracken County Kentucky | 2 | $ 240,000 | $ 120,000 | $ 95,000 |
| Simpson County Kentucky | 2 | $ 146,000 | $ 73,000 | $ 28,000 |
| Warren County Kentucky | 2 | $ 199,000 | $ 99,000 | $ 43,000 |
| Hancock County Tennessee | 2 | $ 126,000 | $ 63,000 | $ 24,000 |
| Moore County Tennessee | 2 | $ 119,000 | $ 59,000 | $ 21,000 |
| Wayne County Tennessee | 2 | $ 147,000 | $ 73,000 | $ 41,000 |
| Appomattox County Virginia | 2 | $ 142,000 | $ 71,000 | $ 32,000 |
| Franklin County Arkansas | 1 | $ 180,000 | $ 180,000 | $ 50,000 |
| Pulaski County Arkansas | 1 | $ 30,000 | $ 30,000 | $ 216,000 |
| San Bernardino County California | 1 | $ 199,000 | $ 199,000 | $ 67,000 |
| Santa Clara County California | 1 | $ 293,000 | $ 293,000 | $ 78,000 |
| Pinellas County Florida | 1 | $ 100,000 | $ 100,000 | $ 265,000 |
| Berrien County Georgia | 1 | $ 70,000 | $ 70,000 | $ 19,000 |
| Colquitt County Georgia | 1 | $ 261,000 | $ 261,000 | $ 57,000 |
| Columbia County Georgia | 1 | $ 407,000 | $ 407,000 | $ 77,000 |
| Dade County Georgia | 1 | $ 50,000 | $ 50,000 | $ 47,000 |
| Hall County Georgia | 1 | $ 100,000 | $ 100,000 | $ 180,000 |
| Murray County Georgia | 1 | $ 86,000 | $ 86,000 | $ 56,000 |
| Boyd County Kentucky | 1 | $ 50,000 | $ 50,000 | $ 72,000 |
| Crittenden County Kentucky | 1 | $ 230,000 | $ 230,000 | $ 90,000 |
| Todd County Kentucky | 1 | $ 70,000 | $ 70,000 | $ 36,000 |
| Genesee County Michigan | 1 | $ 60,000 | $ 60,000 | $ 20,000 |
| Marion County Missouri | 1 | $ 53,000 | $ 53,000 | $ 30,000 |
| St. Francois County Missouri | 1 | $ 92,000 | $ 92,000 | $ 80,000 |
| St. Louis County Missouri | 1 | $ 90,000 | $ 90,000 | $ 24,000 |
| Queens County New York | 1 | $ 100,000 | $ 100,000 | $ 51,000 |
| Wood County Ohio | 1 | $ 160,000 | $ 160,000 | $ 81,000 |
| Clay County Tennessee | 1 | $ 71,000 | $ 71,000 | $ 40,000 |
| DeKalb County Tennessee | 1 | $ 60,000 | $ 60,000 | $ 54,000 |
| Fentress County Tennessee | 1 | $ 63,000 | $ 63,000 | $ 32,000 |
| Johnson County Tennessee | 1 | $ 110,000 | $ 110,000 | $ 21,000 |
| Lake County Tennessee | 1 | $ 61,000 | $ 61,000 | $ 19,000 |
| Macon County Tennessee | 1 | $ 56,000 | $ 56,000 | $ 38,000 |
| Perry County Tennessee | 1 | $ 59,000 | $ 59,000 | $ 26,000 |
| Unicoi County Tennessee | 1 | $ 227,000 | $ 227,000 | $ 47,000 |
| Scott County Virginia | 1 | $ 45,000 | $ 45,000 | $ 21,000 |
| Smyth County Virginia | 1 | $ 60,000 | $ 60,000 | $ 15,000 |
| Washington County Virginia | 1 | $ 66,000 | $ 66,000 | $ 26,000 |
| Wise County Virginia | 1 | $ 77,000 | $ 77,000 | $ 43,000 |
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,298 | $124,489,000 | $101,300 | $671,000 | $88,400 | $1,568,000 |
| Home Purchase | 666 | $58,304,000 | $104,833 | $779,000 | $48,833 | $3,600,000 |
| Home Improvement | 326 | $35,809,000 | $170,000 | $971,000 | $62,666 | $660,000 |
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 | 1,507 | $147,482,000 | $105,500 | $971,000 | $60,500 | $3,600,000 |
| Not Provided | 380 | $34,837,000 | $119,625 | $616,000 | $84,625 | $1,214,000 |
| Black or African American | 363 | $32,548,000 | $106,000 | $505,000 | $47,200 | $338,000 |
| Hispanic | 24 | $2,304,000 | $96,000 | $166,000 | $47,000 | $146,000 |
| Asian | 12 | $1,155,000 | $96,000 | $207,000 | $66,000 | $162,000 |
| American Indian or Alaskan Native | 3 | $207,000 | $69,000 | $69,000 | $120,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $69,000 | $69,000 | $69,000 | $60,000 | $60,000 |
| 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) | 2,290 | $218,602,000 | $111,727 | $971,000 | $78,454 | $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 | 725 | $67,409,000 | $92,000 | $691,000 | $53,000 | $1,214,000 |
| Loan Originated | 714 | $67,728,000 | $94,000 | $580,000 | $52,000 | $632,000 |
| Application Denied By Financial Institution | 494 | $44,576,000 | $95,000 | $686,000 | $37,250 | $3,600,000 |
| Application Withdrawn By Applicant | 357 | $38,889,000 | $119,400 | $971,000 | $88,800 | $1,800,000 |
| 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 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.