The Cit Group/Consumer Finance
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
The Cit Group/Consumer Finance 2006 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 | 2,532 |
| Total Mortgage Loan Application Amount | $237,726,000 |
| Average Mortgage Loan Application Amount | $93,666 |
| Highest Mortgage Loan Application Amount | $1,460,000 |
| Average Applicant Income | $68,666 |
| Highest Applicant Income | $9,999,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Davidson County Tennessee | 320 | $ 33,516,000 | $ 104,000 | $ 72,000 |
| Knox County Tennessee | 265 | $ 24,179,000 | $ 91,000 | $ 57,000 |
| Hamilton County Tennessee | 254 | $ 23,934,000 | $ 94,000 | $ 153,000 |
| Shelby County Tennessee | 241 | $ 26,175,000 | $ 108,000 | $ 62,000 |
| Rutherford County Tennessee | 86 | $ 9,389,000 | $ 109,000 | $ 75,000 |
| Sumner County Tennessee | 84 | $ 9,811,000 | $ 116,000 | $ 71,000 |
| Blount County Tennessee | 69 | $ 7,135,000 | $ 103,000 | $ 60,000 |
| Sevier County Tennessee | 56 | $ 7,139,000 | $ 127,000 | $ 162,000 |
| Montgomery County Tennessee | 50 | $ 4,228,000 | $ 84,000 | $ 75,000 |
| Wilson County Tennessee | 49 | $ 5,050,000 | $ 103,000 | $ 71,000 |
| Madison County Tennessee | 47 | $ 3,401,000 | $ 72,000 | $ 60,000 |
| Anderson County Tennessee | 46 | $ 3,839,000 | $ 83,000 | $ 47,000 |
| Robertson County Tennessee | 45 | $ 3,966,000 | $ 88,000 | $ 59,000 |
| Williamson County Tennessee | 37 | $ 5,132,000 | $ 138,000 | $ 74,000 |
| Jefferson County Tennessee | 32 | $ 3,045,000 | $ 95,000 | $ 41,000 |
| McMinn County Tennessee | 32 | $ 1,953,000 | $ 61,000 | $ 41,000 |
| Dickson County Tennessee | 31 | $ 2,316,000 | $ 74,000 | $ 53,000 |
| Maury County Tennessee | 31 | $ 3,187,000 | $ 102,000 | $ 60,000 |
| Roane County Tennessee | 31 | $ 2,527,000 | $ 81,000 | $ 42,000 |
| Bradley County Tennessee | 30 | $ 2,103,000 | $ 70,000 | $ 39,000 |
| Campbell County Tennessee | 26 | $ 1,390,000 | $ 53,000 | $ 35,000 |
| Cheatham County Tennessee | 26 | $ 2,659,000 | $ 102,000 | $ 52,000 |
| Greene County Tennessee | 26 | $ 2,057,000 | $ 79,000 | $ 41,000 |
| Sullivan County Tennessee | 25 | $ 1,954,000 | $ 78,000 | $ 55,000 |
| Hickman County Tennessee | 23 | $ 1,636,000 | $ 71,000 | $ 37,000 |
| Washington County Tennessee | 23 | $ 1,775,000 | $ 77,000 | $ 77,000 |
| Hamblen County Tennessee | 22 | $ 2,866,000 | $ 130,000 | $ 70,000 |
| Loudon County Tennessee | 19 | $ 2,136,000 | $ 112,000 | $ 55,000 |
| Monroe County Tennessee | 19 | $ 1,741,000 | $ 91,000 | $ 56,000 |
| Tipton County Tennessee | 18 | $ 1,903,000 | $ 105,000 | $ 74,000 |
| Carter County Tennessee | 17 | $ 1,161,000 | $ 68,000 | $ 43,000 |
| Hardin County Tennessee | 17 | $ 1,274,000 | $ 74,000 | $ 36,000 |
| Hawkins County Tennessee | 17 | $ 1,414,000 | $ 83,000 | $ 45,000 |
| Marshall County Tennessee | 16 | $ 1,258,000 | $ 78,000 | $ 49,000 |
| Rhea County Tennessee | 16 | $ 1,318,000 | $ 82,000 | $ 70,000 |
| Cocke County Tennessee | 15 | $ 1,099,000 | $ 73,000 | $ 53,000 |
| Gibson County Tennessee | 14 | $ 748,000 | $ 53,000 | $ 32,000 |
| Putnam County Tennessee | 14 | $ 1,045,000 | $ 74,000 | $ 61,000 |
| Humphreys County Tennessee | 13 | $ 813,000 | $ 62,000 | $ 48,000 |
| Marion County Tennessee | 13 | $ 901,000 | $ 69,000 | $ 42,000 |
| Union County Tennessee | 13 | $ 1,221,000 | $ 93,000 | $ 55,000 |
| Wayne County Tennessee | 11 | $ 607,000 | $ 55,000 | $ 44,000 |
| Giles County Tennessee | 10 | $ 907,000 | $ 90,000 | $ 50,000 |
| Lawrence County Tennessee | 10 | $ 661,000 | $ 66,000 | $ 34,000 |
| Warren County Tennessee | 10 | $ 658,000 | $ 65,000 | $ 26,000 |
| Lauderdale County Tennessee | 9 | $ 628,000 | $ 69,000 | $ 38,000 |
| Weakley County Tennessee | 9 | $ 644,000 | $ 71,000 | $ 37,000 |
| Bedford County Tennessee | 8 | $ 872,000 | $ 109,000 | $ 39,000 |
| Claiborne County Tennessee | 8 | $ 750,000 | $ 93,000 | $ 45,000 |
| Coffee County Tennessee | 8 | $ 914,000 | $ 114,000 | $ 59,000 |
| Crockett County Tennessee | 8 | $ 347,000 | $ 43,000 | $ 32,000 |
| McNairy County Tennessee | 8 | $ 494,000 | $ 61,000 | $ 31,000 |
| Morgan County Tennessee | 8 | $ 624,000 | $ 78,000 | $ 45,000 |
| DeKalb County Tennessee | 7 | $ 574,000 | $ 82,000 | $ 33,000 |
| Fayette County Tennessee | 7 | $ 500,000 | $ 71,000 | $ 37,000 |
| Henry County Tennessee | 7 | $ 284,000 | $ 40,000 | $ 35,000 |
| Lewis County Tennessee | 7 | $ 396,000 | $ 56,000 | $ 34,000 |
| Chester County Tennessee | 6 | $ 293,000 | $ 48,000 | $ 28,000 |
| Cumberland County Tennessee | 6 | $ 329,000 | $ 54,000 | $ 32,000 |
| Grainger County Tennessee | 6 | $ 397,000 | $ 66,000 | $ 28,000 |
| Haywood County Tennessee | 6 | $ 345,000 | $ 57,000 | $ 45,000 |
| Lincoln County Tennessee | 6 | $ 366,000 | $ 61,000 | $ 36,000 |
| Macon County Tennessee | 6 | $ 543,000 | $ 90,000 | $ 41,000 |
| White County Tennessee | 6 | $ 413,000 | $ 68,000 | $ 25,000 |
| Benton County Tennessee | 5 | $ 233,000 | $ 46,000 | $ 59,000 |
| Bledsoe County Tennessee | 5 | $ 424,000 | $ 84,000 | $ 55,000 |
| Dyer County Tennessee | 5 | $ 295,000 | $ 59,000 | $ 42,000 |
| Sequatchie County Tennessee | 5 | $ 391,000 | $ 78,000 | $ 25,000 |
| Unicoi County Tennessee | 5 | $ 297,000 | $ 59,000 | $ 31,000 |
| Walker County Georgia | 4 | $ 396,000 | $ 99,000 | $ 46,000 |
| Cannon County Tennessee | 4 | $ 197,000 | $ 49,000 | $ 32,000 |
| Fentress County Tennessee | 4 | $ 146,000 | $ 36,000 | $ 76,000 |
| Jackson County Tennessee | 4 | $ 342,000 | $ 85,000 | $ 46,000 |
| Johnson County Tennessee | 4 | $ 248,000 | $ 62,000 | $ 92,000 |
| Meigs County Tennessee | 4 | $ 319,000 | $ 79,000 | $ 31,000 |
| Perry County Tennessee | 4 | $ 225,000 | $ 56,000 | $ 37,000 |
| Catoosa County Georgia | 3 | $ 514,000 | $ 171,000 | $ 59,000 |
| Fulton County Georgia | 3 | $ 311,000 | $ 103,000 | $ 39,000 |
| Warren County Kentucky | 3 | $ 209,000 | $ 69,000 | $ 79,000 |
| Carroll County Tennessee | 3 | $ 165,000 | $ 55,000 | $ 35,000 |
| Franklin County Tennessee | 3 | $ 214,000 | $ 71,000 | $ 31,000 |
| Hardeman County Tennessee | 3 | $ 163,000 | $ 54,000 | $ 23,000 |
| Obion County Tennessee | 3 | $ 185,000 | $ 61,000 | $ 31,000 |
| Polk County Tennessee | 3 | $ 368,000 | $ 122,000 | $ 139,000 |
| Trousdale County Tennessee | 3 | $ 233,000 | $ 77,000 | $ 36,000 |
| Polk County Florida | 2 | $ 180,000 | $ 90,000 | $ 76,000 |
| Grundy County Tennessee | 2 | $ 53,000 | $ 26,000 | $ 20,000 |
| Moore County Tennessee | 2 | $ 114,000 | $ 57,000 | $ 42,000 |
| Scott County Tennessee | 2 | $ 209,000 | $ 104,000 | $ 55,000 |
| Smith County Tennessee | 2 | $ 218,000 | $ 109,000 | $ 48,000 |
| Stafford County Virginia | 2 | $ 617,000 | $ 308,000 | $ 206,000 |
| Sebastian County Arkansas | 1 | $ 67,000 | $ 67,000 | $ 19,000 |
| Los Angeles County California | 1 | $ 160,000 | $ 160,000 | $ 62,000 |
| Miami-Dade County Florida | 1 | $ 279,000 | $ 279,000 | $ 84,000 |
| St. Johns County Florida | 1 | $ 159,000 | $ 159,000 | $ 61,000 |
| Sumter County Florida | 1 | $ 139,000 | $ 139,000 | $ 91,000 |
| Chattooga County Georgia | 1 | $ 86,000 | $ 86,000 | $ 57,000 |
| Gwinnett County Georgia | 1 | $ 383,000 | $ 383,000 | $ 90,000 |
| Will County Illinois | 1 | $ 94,000 | $ 94,000 | $ 114,000 |
| Hamilton County Indiana | 1 | $ 136,000 | $ 136,000 | $ 38,000 |
| Marion County Indiana | 1 | $ 70,000 | $ 70,000 | $ 55,000 |
| Barren County Kentucky | 1 | $ 54,000 | $ 54,000 | $ 170,000 |
| Butler County Kentucky | 1 | $ 72,000 | $ 72,000 | $ 25,000 |
| Christian County Kentucky | 1 | $ 72,000 | $ 72,000 | $ 40,000 |
| Hopkins County Kentucky | 1 | $ 79,000 | $ 79,000 | $ 57,000 |
| Simpson County Kentucky | 1 | $ 86,000 | $ 86,000 | $ 84,000 |
| Whitley County Kentucky | 1 | $ 40,000 | $ 40,000 | $ 45,000 |
| DeSoto County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Lucas County Ohio | 1 | $ 106,000 | $ 106,000 | $ 60,000 |
| Decatur County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Hancock County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 42,000 |
| Henderson County Tennessee | 1 | $ 47,000 | $ 47,000 | $ 29,000 |
| Overton County Tennessee | 1 | $ 90,000 | $ 90,000 | $ 35,000 |
| Pickett County Tennessee | 1 | $ 53,000 | $ 53,000 | $ 24,000 |
| Stewart County Tennessee | 1 | $ 77,000 | $ 77,000 | $ 34,000 |
| Van Buren County Tennessee | 1 | $ 54,000 | $ 54,000 | $ 55,000 |
| Bristol County Virginia | 1 | $ 59,000 | $ 59,000 | $ 54,000 |
| Scott County Virginia | 1 | $ 78,000 | $ 78,000 | $ 49,000 |
| Smyth County Virginia | 1 | $ 54,000 | $ 54,000 | $ 40,000 |
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,240 | $124,498,000 | $100,000 | $1,460,000 | $65,000 | $2,313,000 |
| Home Purchase | 1,052 | $90,175,000 | $85,000 | $1,104,000 | $79,000 | $9,999,000 |
| Home Improvement | 240 | $23,053,000 | $96,000 | $810,000 | $62,000 | $1,296,000 |
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 | 1,527 | $142,835,000 | $93,000 | $1,460,000 | $78,000 | $9,999,000 |
| Black or African American | 513 | $45,464,000 | $88,000 | $976,000 | $51,000 | $304,000 |
| Not Provided | 433 | $41,427,000 | $95,000 | $706,000 | $62,000 | $1,296,000 |
| Hispanic | 40 | $6,161,000 | $154,000 | $1,103,000 | $102,000 | $540,000 |
| Asian | 14 | $1,369,000 | $97,000 | $192,000 | $104,000 | $192,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $297,000 | $99,000 | $172,000 | $46,000 | $48,000 |
| American Indian or Alaskan Native | 2 | $173,000 | $86,000 | $100,000 | $115,000 | $144,000 |
| 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) | 2,532 | $237,726,000 | $93,000 | $1,460,000 | $71,000 | $9,999,000 |
| 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 | 959 | $85,254,000 | $88,000 | $810,000 | $81,000 | $9,999,000 |
| Application Denied By Financial Institution | 636 | $55,889,000 | $87,000 | $480,000 | $53,000 | $720,000 |
| Application Withdrawn By Applicant | 486 | $52,264,000 | $107,000 | $1,460,000 | $83,000 | $2,313,000 |
| Application Approved But Not Accepted | 451 | $44,319,000 | $98,000 | $673,000 | $60,000 | $1,080,000 |
| 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 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.
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