Citizens Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Citizens Bank 2009 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 | Citizens Bank 328 S Saginaw St Flint, MI 48502 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,995 |
| Total Mortgage Loan Application Amount | $680,689,000 |
| Average Mortgage Loan Application Amount | $89,333 |
| Highest Mortgage Loan Application Amount | $6,659,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $2,167,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with Citizens Bank. 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 Citizens Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down Citizens Bank'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 Citizens Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Citizens Bank, 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 Citizens Bank's mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Genesee County Michigan | 866 | $ 79,688,000 | $ 92,000 | $ 72,000 |
| Saginaw County Michigan | 354 | $ 31,799,000 | $ 89,000 | $ 80,000 |
| Oakland County Michigan | 347 | $ 52,683,000 | $ 151,000 | $ 111,000 |
| Jackson County Michigan | 318 | $ 29,970,000 | $ 94,000 | $ 67,000 |
| Livingston County Michigan | 241 | $ 31,262,000 | $ 129,000 | $ 99,000 |
| Washtenaw County Michigan | 201 | $ 29,143,000 | $ 144,000 | $ 100,000 |
| Bay County Michigan | 168 | $ 17,247,000 | $ 102,000 | $ 70,000 |
| Midland County Michigan | 165 | $ 24,050,000 | $ 145,000 | $ 85,000 |
| Macomb County Michigan | 140 | $ 15,730,000 | $ 112,000 | $ 78,000 |
| Wayne County Michigan | 135 | $ 16,881,000 | $ 125,000 | $ 101,000 |
| Ingham County Michigan | 120 | $ 16,146,000 | $ 134,000 | $ 102,000 |
| Wexford County Michigan | 117 | $ 10,346,000 | $ 88,000 | $ 60,000 |
| Osceola County Michigan | 114 | $ 8,366,000 | $ 73,000 | $ 51,000 |
| Clinton County Michigan | 90 | $ 10,199,000 | $ 113,000 | $ 68,000 |
| Shiawassee County Michigan | 87 | $ 13,715,000 | $ 157,000 | $ 69,000 |
| St. Joseph County Michigan | 80 | $ 5,100,000 | $ 63,000 | $ 57,000 |
| Cuyahoga County Ohio | 77 | $ 7,034,000 | $ 91,000 | $ 79,000 |
| Ottawa County Michigan | 76 | $ 7,011,000 | $ 92,000 | $ 97,000 |
| Missaukee County Michigan | 72 | $ 5,538,000 | $ 76,000 | $ 59,000 |
| Oconto County Wisconsin | 72 | $ 8,006,000 | $ 111,000 | $ 69,000 |
| Otsego County Michigan | 71 | $ 10,089,000 | $ 142,000 | $ 101,000 |
| Muskegon County Michigan | 69 | $ 3,960,000 | $ 57,000 | $ 70,000 |
| Vilas County Wisconsin | 68 | $ 11,718,000 | $ 172,000 | $ 84,000 |
| Oneida County Wisconsin | 61 | $ 10,062,000 | $ 164,000 | $ 93,000 |
| Winnebago County Wisconsin | 59 | $ 5,635,000 | $ 95,000 | $ 57,000 |
| Arenac County Michigan | 58 | $ 3,175,000 | $ 54,000 | $ 54,000 |
| Marquette County Michigan | 58 | $ 5,108,000 | $ 88,000 | $ 71,000 |
| Houghton County Michigan | 54 | $ 4,391,000 | $ 81,000 | $ 57,000 |
| Crawford County Michigan | 51 | $ 5,747,000 | $ 112,000 | $ 64,000 |
| Brown County Wisconsin | 50 | $ 6,410,000 | $ 128,000 | $ 78,000 |
| Grand Traverse County Michigan | 48 | $ 8,854,000 | $ 184,000 | $ 94,000 |
| Outagamie County Wisconsin | 44 | $ 5,597,000 | $ 127,000 | $ 63,000 |
| Portage County Wisconsin | 42 | $ 4,926,000 | $ 117,000 | $ 73,000 |
| Antrim County Michigan | 40 | $ 7,371,000 | $ 184,000 | $ 89,000 |
| Oscoda County Michigan | 39 | $ 3,530,000 | $ 90,000 | $ 70,000 |
| Roscommon County Michigan | 35 | $ 5,359,000 | $ 153,000 | $ 101,000 |
| Waushara County Wisconsin | 35 | $ 4,603,000 | $ 131,000 | $ 73,000 |
| Charlevoix County Michigan | 34 | $ 6,425,000 | $ 188,000 | $ 181,000 |
| Lake County Ohio | 32 | $ 4,639,000 | $ 144,000 | $ 72,000 |
| Grant County Wisconsin | 32 | $ 2,266,000 | $ 70,000 | $ 54,000 |
| Calumet County Wisconsin | 31 | $ 4,246,000 | $ 136,000 | $ 82,000 |
| Ogemaw County Michigan | 30 | $ 1,709,000 | $ 56,000 | $ 48,000 |
| Walworth County Wisconsin | 28 | $ 3,737,000 | $ 133,000 | $ 69,000 |
| Calhoun County Michigan | 27 | $ 1,898,000 | $ 70,000 | $ 62,000 |
| Kent County Michigan | 27 | $ 1,679,000 | $ 62,000 | $ 101,000 |
| Tuscola County Michigan | 27 | $ 2,481,000 | $ 91,000 | $ 59,000 |
| Gogebic County Michigan | 25 | $ 1,368,000 | $ 54,000 | $ 61,000 |
| Geauga County Ohio | 25 | $ 4,484,000 | $ 179,000 | $ 102,000 |
| Monroe County Michigan | 23 | $ 1,976,000 | $ 85,000 | $ 61,000 |
| Waupaca County Wisconsin | 23 | $ 2,340,000 | $ 101,000 | $ 60,000 |
| Alger County Michigan | 21 | $ 1,915,000 | $ 91,000 | $ 53,000 |
| Alpena County Michigan | 21 | $ 2,347,000 | $ 111,000 | $ 77,000 |
| Leelanau County Michigan | 21 | $ 5,174,000 | $ 246,000 | $ 125,000 |
| Gladwin County Michigan | 20 | $ 2,517,000 | $ 125,000 | $ 146,000 |
| Lenawee County Michigan | 20 | $ 2,295,000 | $ 114,000 | $ 84,000 |
| Clare County Michigan | 19 | $ 1,106,000 | $ 58,000 | $ 52,000 |
| Allegan County Michigan | 18 | $ 2,308,000 | $ 128,000 | $ 117,000 |
| Chippewa County Michigan | 18 | $ 889,000 | $ 49,000 | $ 71,000 |
| Door County Wisconsin | 18 | $ 2,828,000 | $ 157,000 | $ 57,000 |
| Dickinson County Michigan | 17 | $ 1,039,000 | $ 61,000 | $ 70,000 |
| Emmet County Michigan | 17 | $ 3,319,000 | $ 195,000 | $ 132,000 |
| Lapeer County Michigan | 17 | $ 1,519,000 | $ 89,000 | $ 81,000 |
| Douglas County Wisconsin | 17 | $ 1,577,000 | $ 92,000 | $ 63,000 |
| Presque Isle County Michigan | 16 | $ 2,400,000 | $ 150,000 | $ 89,000 |
| Crawford County Wisconsin | 16 | $ 917,000 | $ 57,000 | $ 46,000 |
| Lincoln County Wisconsin | 16 | $ 1,523,000 | $ 95,000 | $ 55,000 |
| Marinette County Wisconsin | 16 | $ 1,716,000 | $ 107,000 | $ 61,000 |
| Delta County Michigan | 15 | $ 1,275,000 | $ 85,000 | $ 58,000 |
| Iron County Michigan | 15 | $ 556,000 | $ 37,000 | $ 55,000 |
| Kalamazoo County Michigan | 15 | $ 2,247,000 | $ 149,000 | $ 67,000 |
| Jefferson County Wisconsin | 15 | $ 2,214,000 | $ 147,000 | $ 67,000 |
| Keweenaw County Michigan | 14 | $ 1,060,000 | $ 75,000 | $ 74,000 |
| Kalkaska County Michigan | 13 | $ 2,121,000 | $ 163,000 | $ 132,000 |
| Alcona County Michigan | 12 | $ 1,179,000 | $ 98,000 | $ 69,000 |
| Iosco County Michigan | 12 | $ 1,473,000 | $ 122,000 | $ 109,000 |
| Manistee County Michigan | 12 | $ 1,769,000 | $ 147,000 | $ 98,000 |
| Manitowoc County Wisconsin | 12 | $ 1,668,000 | $ 139,000 | $ 65,000 |
| Shawano County Wisconsin | 12 | $ 2,430,000 | $ 202,000 | $ 71,000 |
| Cheboygan County Michigan | 11 | $ 1,636,000 | $ 148,000 | $ 91,000 |
| Eaton County Michigan | 11 | $ 1,405,000 | $ 127,000 | $ 46,000 |
| Mecosta County Michigan | 11 | $ 698,000 | $ 63,000 | $ 63,000 |
| Iron County Wisconsin | 11 | $ 920,000 | $ 83,000 | $ 58,000 |
| Baraga County Michigan | 10 | $ 708,000 | $ 70,000 | $ 80,000 |
| Benzie County Michigan | 10 | $ 1,891,000 | $ 189,000 | $ 178,000 |
| Montmorency County Michigan | 10 | $ 1,025,000 | $ 102,000 | $ 80,000 |
| St. Clair County Michigan | 10 | $ 1,310,000 | $ 131,000 | $ 57,000 |
| Summit County Ohio | 10 | $ 1,594,000 | $ 159,000 | $ 114,000 |
| Gratiot County Michigan | 9 | $ 560,000 | $ 62,000 | $ 47,000 |
| Ontonagon County Michigan | 9 | $ 428,000 | $ 47,000 | $ 55,000 |
| Langlade County Wisconsin | 9 | $ 714,000 | $ 79,000 | $ 38,000 |
| Newaygo County Michigan | 8 | $ 622,000 | $ 77,000 | $ 79,000 |
| Huron County Michigan | 7 | $ 1,252,000 | $ 178,000 | $ 155,000 |
| Isabella County Michigan | 7 | $ 756,000 | $ 108,000 | $ 122,000 |
| Menominee County Michigan | 7 | $ 544,000 | $ 77,000 | $ 50,000 |
| Adams County Wisconsin | 7 | $ 1,014,000 | $ 144,000 | $ 115,000 |
| Fond du Lac County Wisconsin | 7 | $ 765,000 | $ 109,000 | $ 57,000 |
| Lafayette County Wisconsin | 7 | $ 396,000 | $ 56,000 | $ 51,000 |
| Hillsdale County Michigan | 6 | $ 397,000 | $ 66,000 | $ 67,000 |
| Lake County Michigan | 6 | $ 653,000 | $ 108,000 | $ 51,000 |
| Montgomery County Ohio | 6 | $ 206,000 | $ 34,000 | $ 137,000 |
| Dodge County Wisconsin | 6 | $ 446,000 | $ 74,000 | $ 37,000 |
| Milwaukee County Wisconsin | 6 | $ 877,000 | $ 146,000 | $ 65,000 |
| Polk County Wisconsin | 6 | $ 808,000 | $ 134,000 | $ 53,000 |
| Lee County Florida | 5 | $ 1,090,000 | $ 218,000 | $ 121,000 |
| Medina County Ohio | 5 | $ 485,000 | $ 97,000 | $ 85,000 |
| Warren County Ohio | 5 | $ 1,298,000 | $ 259,000 | $ 96,000 |
| Green County Wisconsin | 5 | $ 598,000 | $ 119,000 | $ 48,000 |
| Kewaunee County Wisconsin | 5 | $ 372,000 | $ 74,000 | $ 236,000 |
| Cook County Illinois | 4 | $ 1,242,000 | $ 310,000 | $ 473,000 |
| Montcalm County Michigan | 4 | $ 576,000 | $ 144,000 | $ 80,000 |
| Portage County Ohio | 4 | $ 496,000 | $ 124,000 | $ 97,000 |
| Marathon County Wisconsin | 4 | $ 480,000 | $ 120,000 | $ 44,000 |
| Racine County Wisconsin | 4 | $ 736,000 | $ 184,000 | $ 69,000 |
| Washington County Wisconsin | 4 | $ 666,000 | $ 166,000 | $ 108,000 |
| Waukesha County Wisconsin | 4 | $ 810,000 | $ 202,000 | $ 159,000 |
| Pinal County Arizona | 3 | $ 823,000 | $ 274,000 | $ 98,000 |
| Collier County Florida | 3 | $ 650,000 | $ 216,000 | $ 294,000 |
| Monroe County Florida | 3 | $ 1,321,000 | $ 440,000 | $ 662,000 |
| DuPage County Illinois | 3 | $ 363,000 | $ 121,000 | $ 210,000 |
| Hamilton County Indiana | 3 | $ 299,000 | $ 99,000 | $ 128,000 |
| Hancock County Indiana | 3 | $ 741,000 | $ 247,000 | $ 85,000 |
| Clayton County Iowa | 3 | $ 322,000 | $ 107,000 | $ 60,000 |
| Jasper County Iowa | 3 | $ 281,000 | $ 93,000 | $ 69,000 |
| Berrien County Michigan | 3 | $ 773,000 | $ 257,000 | $ 117,000 |
| Ionia County Michigan | 3 | $ 326,000 | $ 108,000 | $ 70,000 |
| Mackinac County Michigan | 3 | $ 151,000 | $ 50,000 | $ 91,000 |
| Oceana County Michigan | 3 | $ 260,000 | $ 86,000 | $ 116,000 |
| Schoolcraft County Michigan | 3 | $ 345,000 | $ 115,000 | $ 43,000 |
| Van Buren County Michigan | 3 | $ 103,000 | $ 34,000 | $ 71,000 |
| Wake County North Carolina | 3 | $ 536,000 | $ 178,000 | $ 45,000 |
| Greene County Ohio | 3 | $ 196,000 | $ 65,000 | $ 97,000 |
| Lorain County Ohio | 3 | $ 185,000 | $ 61,000 | $ 58,000 |
| La Crosse County Wisconsin | 3 | $ 330,000 | $ 110,000 | $ 60,000 |
| Rock County Wisconsin | 3 | $ 368,000 | $ 122,000 | $ 72,000 |
| St. Croix County Wisconsin | 3 | $ 829,000 | $ 276,000 | $ 71,000 |
| Maricopa County Arizona | 2 | $ 330,000 | $ 165,000 | $ 81,000 |
| Pima County Arizona | 2 | $ 248,000 | $ 124,000 | $ 74,000 |
| Santa Clara County California | 2 | $ 435,000 | $ 217,000 | $ 142,000 |
| Fairfield County Connecticut | 2 | $ 147,000 | $ 73,000 | $ 50,000 |
| Walton County Florida | 2 | $ 832,000 | $ 416,000 | $ 182,000 |
| Hendricks County Indiana | 2 | $ 159,000 | $ 79,000 | $ 37,000 |
| LaGrange County Indiana | 2 | $ 174,000 | $ 87,000 | $ 37,000 |
| Marion County Indiana | 2 | $ 145,000 | $ 72,000 | $ 33,000 |
| Allamakee County Iowa | 2 | $ 343,000 | $ 171,000 | $ 69,000 |
| Mahaska County Iowa | 2 | $ 268,000 | $ 134,000 | $ 57,000 |
| Middlesex County Massachusetts | 2 | $ 463,000 | $ 231,000 | $ 49,000 |
| Branch County Michigan | 2 | $ 4,000 | $ 2,000 | $ 46,000 |
| Sanilac County Michigan | 2 | $ 153,000 | $ 76,000 | $ 40,000 |
| Lucas County Ohio | 2 | $ 156,000 | $ 78,000 | $ 52,000 |
| Bucks County Pennsylvania | 2 | $ 440,000 | $ 220,000 | $ 758,000 |
| Sevier County Tennessee | 2 | $ 218,000 | $ 109,000 | $ 119,000 |
| Dane County Wisconsin | 2 | $ 114,000 | $ 57,000 | $ 58,000 |
| Sheboygan County Wisconsin | 2 | $ 331,000 | $ 165,000 | $ 35,000 |
| Yavapai County Arizona | 1 | $ 114,000 | $ 114,000 | $ 24,000 |
| Riverside County California | 1 | $ 250,000 | $ 250,000 | $ 276,000 |
| San Bernardino County California | 1 | $ 208,000 | $ 208,000 | $ 86,000 |
| San Diego County California | 1 | $ 175,000 | $ 175,000 | $ 146,000 |
| El Paso County Colorado | 1 | $ 291,000 | $ 291,000 | $ 236,000 |
| Broward County Florida | 1 | $ 360,000 | $ 360,000 | $ 330,000 |
| Charlotte County Florida | 1 | $ 151,000 | $ 151,000 | $ 66,000 |
| Hillsborough County Florida | 1 | $ 172,000 | $ 172,000 | $ 76,000 |
| Manatee County Florida | 1 | $ 137,000 | $ 137,000 | $ 102,000 |
| Martin County Florida | 1 | $ 120,000 | $ 120,000 | $ 103,000 |
| Osceola County Florida | 1 | $ 276,000 | $ 276,000 | $ 158,000 |
| Palm Beach County Florida | 1 | $ 146,000 | $ 146,000 | $ 226,000 |
| Pasco County Florida | 1 | $ 3,000 | $ 3,000 | $ 20,000 |
| Pinellas County Florida | 1 | $ 173,000 | $ 173,000 | $ 102,000 |
| Polk County Florida | 1 | $ 186,000 | $ 186,000 | $ 59,000 |
| Sarasota County Florida | 1 | $ 282,000 | $ 282,000 | $ 138,000 |
| Sumter County Florida | 1 | $ 100,000 | $ 100,000 | $ 93,000 |
| Volusia County Florida | 1 | $ 176,000 | $ 176,000 | $ 123,000 |
| DeKalb County Georgia | 1 | $ 23,000 | $ 23,000 | $ 115,000 |
| Grundy County Illinois | 1 | $ 417,000 | $ 417,000 | $ 142,000 |
| Jo Daviess County Illinois | 1 | $ 100,000 | $ 100,000 | $ 446,000 |
| Lake County Illinois | 1 | $ 175,000 | $ 175,000 | $ 213,000 |
| Stephenson County Illinois | 1 | $ 135,000 | $ 135,000 | $ 79,000 |
| Will County Illinois | 1 | $ 300,000 | $ 300,000 | $ 134,000 |
| Elkhart County Indiana | 1 | $ 185,000 | $ 185,000 | $ 88,000 |
| Howard County Indiana | 1 | $ 124,000 | $ 124,000 | $ 72,000 |
| Jefferson County Indiana | 1 | $ 121,000 | $ 121,000 | $ 114,000 |
| Starke County Indiana | 1 | $ 84,000 | $ 84,000 | $ 62,000 |
| Tippecanoe County Indiana | 1 | $ 81,000 | $ 81,000 | $ 130,000 |
| Wabash County Indiana | 1 | $ 93,000 | $ 93,000 | $ 36,000 |
| White County Indiana | 1 | $ 58,000 | $ 58,000 | $ 28,000 |
| Benton County Iowa | 1 | $ 25,000 | $ 25,000 | $ 23,000 |
| Clarke County Iowa | 1 | $ 177,000 | $ 177,000 | $ 100,000 |
| Dallas County Iowa | 1 | $ 32,000 | $ 32,000 | $ 72,000 |
| Fayette County Iowa | 1 | $ 39,000 | $ 39,000 | $ 62,000 |
| Iowa County Iowa | 1 | $ 88,000 | $ 88,000 | $ 47,000 |
| Marshall County Iowa | 1 | $ 70,000 | $ 70,000 | $ 26,000 |
| Poweshiek County Iowa | 1 | $ 87,000 | $ 87,000 | $ 33,000 |
| Jessamine County Kentucky | 1 | $ 248,000 | $ 248,000 | $ 138,000 |
| Caddo County Louisiana | 1 | $ 80,000 | $ 80,000 | $ 99,000 |
| York County Maine | 1 | $ 192,000 | $ 192,000 | $ 84,000 |
| Suffolk County Massachusetts | 1 | $ 225,000 | $ 225,000 | $ 78,000 |
| Barry County Michigan | 1 | $ 167,000 | $ 167,000 | $ 247,000 |
| Cass County Michigan | 1 | $ 3,000 | $ 3,000 | $ 52,000 |
| Luce County Michigan | 1 | $ 12,000 | $ 12,000 | $ 47,000 |
| Mason County Michigan | 1 | $ 121,000 | $ 121,000 | $ 58,000 |
| Dakota County Minnesota | 1 | $ 5,000 | $ 5,000 | $ 90,000 |
| Hennepin County Minnesota | 1 | $ 154,000 | $ 154,000 | $ 59,000 |
| Washington County Minnesota | 1 | $ 382,000 | $ 382,000 | $ 152,000 |
| Jefferson County Missouri | 1 | $ 90,000 | $ 90,000 | $ 24,000 |
| Platte County Missouri | 1 | $ 49,000 | $ 49,000 | $ 52,000 |
| Clark County Nevada | 1 | $ 214,000 | $ 214,000 | $ 53,000 |
| Carroll County New Hampshire | 1 | $ 375,000 | $ 375,000 | $ 200,000 |
| Cheshire County New Hampshire | 1 | $ 282,000 | $ 282,000 | $ 275,000 |
| Hillsborough County New Hampshire | 1 | $ 119,000 | $ 119,000 | $ 56,000 |
| Rockingham County New Hampshire | 1 | $ 356,000 | $ 356,000 | $ 134,000 |
| Sullivan County New Hampshire | 1 | $ 281,000 | $ 281,000 | $ 280,000 |
| Burlington County New Jersey | 1 | $ 26,000 | $ 26,000 | $ 22,000 |
| Gloucester County New Jersey | 1 | $ 518,000 | $ 518,000 | $ 170,000 |
| Mercer County New Jersey | 1 | $ 246,000 | $ 246,000 | $ 86,000 |
| Monmouth County New Jersey | 1 | $ 290,000 | $ 290,000 | $ 82,000 |
| Onondaga County New York | 1 | $ 77,000 | $ 77,000 | $ 177,000 |
| Rensselaer County New York | 1 | $ 122,000 | $ 122,000 | $ 29,000 |
| Westchester County New York | 1 | $ 730,000 | $ 730,000 | $ 796,000 |
| Iredell County North Carolina | 1 | $ 56,000 | $ 56,000 | $ 100,000 |
| Onslow County North Carolina | 1 | $ 81,000 | $ 81,000 | $ 33,000 |
| Ashtabula County Ohio | 1 | $ 7,000 | $ 7,000 | $ 79,000 |
| Butler County Ohio | 1 | $ 19,000 | $ 19,000 | $ 141,000 |
| Clark County Ohio | 1 | $ 254,000 | $ 254,000 | $ 135,000 |
| Clermont County Ohio | 1 | $ 90,000 | $ 90,000 | $ 24,000 |
| Delaware County Ohio | 1 | $ 134,000 | $ 134,000 | $ 120,000 |
| Hamilton County Ohio | 1 | $ 345,000 | $ 345,000 | $ 251,000 |
| Logan County Ohio | 1 | $ 25,000 | $ 25,000 | $ 185,000 |
| Ottawa County Ohio | 1 | $ 181,000 | $ 181,000 | $ 141,000 |
| Multnomah County Oregon | 1 | $ 112,000 | $ 112,000 | $ 146,000 |
| Berks County Pennsylvania | 1 | $ 68,000 | $ 68,000 | $ 41,000 |
| Montgomery County Pennsylvania | 1 | $ 283,000 | $ 283,000 | $ 187,000 |
| Cumberland County Tennessee | 1 | $ 302,000 | $ 302,000 | $ 112,000 |
| Davidson County Tennessee | 1 | $ 161,000 | $ 161,000 | $ 396,000 |
| Macon County Tennessee | 1 | $ 156,000 | $ 156,000 | $ 128,000 |
| Sumner County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 53,000 |
| Bexar County Texas | 1 | $ 160,000 | $ 160,000 | $ 50,000 |
| Fairfax County Virginia | 1 | $ 252,000 | $ 252,000 | $ 67,000 |
| Hanover County Virginia | 1 | $ 107,000 | $ 107,000 | $ 52,000 |
| Snohomish County Washington | 1 | $ 367,000 | $ 367,000 | $ 120,000 |
| Burnett County Wisconsin | 1 | $ 118,000 | $ 118,000 | $ 66,000 |
| Chippewa County Wisconsin | 1 | $ 274,000 | $ 274,000 | $ 0 |
| Florence County Wisconsin | 1 | $ 376,000 | $ 376,000 | $ 68,000 |
| Green Lake County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Iowa County Wisconsin | 1 | $ 281,000 | $ 281,000 | $ 130,000 |
| Juneau County Wisconsin | 1 | $ 300,000 | $ 300,000 | $ 66,000 |
| Kenosha County Wisconsin | 1 | $ 69,000 | $ 69,000 | $ 26,000 |
| Marquette County Wisconsin | 1 | $ 67,000 | $ 67,000 | $ 33,000 |
| Pierce County Wisconsin | 1 | $ 158,000 | $ 158,000 | $ 84,000 |
| Teton County Wyoming | 1 | $ 625,000 | $ 625,000 | $ 400,000 |
Mortgage Loan Application Detail Totals for Citizens Bank in 2009
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 | 4,151 | $552,249,000 | $133,000 | $6,659,000 | $89,000 | $2,167,000 |
| Home Purchase | 957 | $107,949,000 | $112,000 | $1,000,000 | $76,000 | $1,470,000 |
| Home Improvement | 887 | $20,491,000 | $23,000 | $843,000 | $51,000 | $536,000 |
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 | 4,128 | $429,004,000 | $103,000 | $1,000,000 | $80,000 | $2,167,000 |
| Not Provided | 1,446 | $202,752,000 | $140,000 | $1,288,000 | $90,000 | $1,425,000 |
| Black or African American | 222 | $10,452,000 | $47,000 | $388,000 | $51,000 | $640,000 |
| Hispanic | 75 | $5,588,000 | $74,000 | $417,000 | $73,000 | $676,000 |
| Asian | 70 | $15,629,000 | $223,000 | $900,000 | $106,000 | $696,000 |
| Not applicable | 30 | $15,491,000 | $516,000 | $6,659,000 | $0 | $0 |
| American Indian or Alaskan Native | 21 | $1,515,000 | $72,000 | $417,000 | $67,000 | $309,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $258,000 | $86,000 | $179,000 | $33,000 | $45,000 |
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) | 5,329 | $605,568,000 | $113,000 | $6,659,000 | $85,000 | $2,167,000 |
| FHA-insured (Federal Housing Administration) | 666 | $75,121,000 | $112,000 | $327,000 | $53,000 | $572,000 |
| 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 | 3,258 | $347,701,000 | $106,000 | $6,659,000 | $83,000 | $2,167,000 |
| Application Denied By Financial Institution | 1,665 | $177,119,000 | $106,000 | $920,000 | $70,000 | $984,000 |
| Application Approved But Not Accepted | 953 | $137,061,000 | $143,000 | $900,000 | $92,000 | $960,000 |
| Application Withdrawn By Applicant | 103 | $16,706,000 | $162,000 | $1,000,000 | $93,000 | $796,000 |
| File Closed For Incompleteness | 13 | $1,883,000 | $144,000 | $415,000 | $69,000 | $144,000 |
| Preapproval Approved but not Accepted | 3 | $219,000 | $73,000 | $126,000 | $72,000 | $96,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 521 | $81,316,000 | $156,000 | $843,000 | $96,000 | $905,000 |
| Credit History | 502 | $18,108,000 | $36,000 | $440,000 | $44,000 | $750,000 |
| Debt-To-Income Ratio | 322 | $41,811,000 | $129,000 | $417,000 | $49,000 | $334,000 |
| Other | 177 | $20,114,000 | $113,000 | $477,000 | $96,000 | $984,000 |
| Credit Application Incomplete | 98 | $7,949,000 | $81,000 | $417,000 | $82,000 | $624,000 |
| Unverifiable Information | 16 | $3,477,000 | $217,000 | $920,000 | $104,000 | $455,000 |
| Employment History | 14 | $1,456,000 | $104,000 | $240,000 | $57,000 | $118,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $2,716,000 | $194,000 | $625,000 | $117,000 | $696,000 |
| Mortgage Insurance Denied | 1 | $172,000 | $172,000 | $172,000 | $54,000 | $54,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bank's 2009 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 Citizens Bank'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 Michigan, download the full spreadsheet
with aggregated HMDA statistics today.