First American Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
First American Bank 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 | First American Bank 301 Fayetteville Street, Suite 1200 Raleigh, NC 27601 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 3,012 |
| Total Mortgage Loan Application Amount | $501,177,000 |
| Average Mortgage Loan Application Amount | $209,954 |
| Highest Mortgage Loan Application Amount | $7,487,000 |
| Average Applicant Income | $87,863 |
| Highest Applicant Income | $1,380,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with First American 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 First American Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down First American 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 First American Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First American 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 First American Bank'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 |
|---|---|---|---|---|
| Madison County Alabama | 613 | $ 94,307,000 | $ 153,000 | $ 76,000 |
| Jefferson County Alabama | 567 | $ 130,572,000 | $ 230,000 | $ 74,000 |
| Morgan County Alabama | 363 | $ 42,323,000 | $ 116,000 | $ 57,000 |
| Lee County Alabama | 275 | $ 32,695,000 | $ 118,000 | $ 67,000 |
| Limestone County Alabama | 229 | $ 26,643,000 | $ 116,000 | $ 53,000 |
| Shelby County Alabama | 140 | $ 25,583,000 | $ 182,000 | $ 111,000 |
| Collier County Florida | 105 | $ 29,864,000 | $ 284,000 | $ 153,000 |
| Alachua County Florida | 66 | $ 13,579,000 | $ 205,000 | $ 83,000 |
| Tallapoosa County Alabama | 65 | $ 10,313,000 | $ 158,000 | $ 120,000 |
| Osceola County Florida | 65 | $ 11,564,000 | $ 177,000 | $ 75,000 |
| Lawrence County Alabama | 52 | $ 5,715,000 | $ 109,000 | $ 60,000 |
| St. Clair County Alabama | 47 | $ 5,640,000 | $ 120,000 | $ 56,000 |
| Talladega County Alabama | 36 | $ 2,444,000 | $ 67,000 | $ 57,000 |
| Lake County Florida | 35 | $ 6,282,000 | $ 179,000 | $ 91,000 |
| Clay County Alabama | 31 | $ 923,000 | $ 29,000 | $ 53,000 |
| Baldwin County Alabama | 24 | $ 7,428,000 | $ 309,000 | $ 188,000 |
| Lee County Florida | 23 | $ 5,289,000 | $ 229,000 | $ 68,000 |
| Tuscaloosa County Alabama | 22 | $ 2,712,000 | $ 123,000 | $ 98,000 |
| Marshall County Alabama | 18 | $ 3,301,000 | $ 183,000 | $ 85,000 |
| Giles County Tennessee | 13 | $ 1,524,000 | $ 117,000 | $ 58,000 |
| Winston County Alabama | 11 | $ 1,554,000 | $ 141,000 | $ 86,000 |
| Orange County Florida | 11 | $ 2,196,000 | $ 199,000 | $ 51,000 |
| Lincoln County Tennessee | 11 | $ 1,240,000 | $ 112,000 | $ 65,000 |
| Macon County Alabama | 10 | $ 988,000 | $ 98,000 | $ 86,000 |
| Walton County Florida | 10 | $ 4,229,000 | $ 422,000 | $ 166,000 |
| Chambers County Alabama | 8 | $ 625,000 | $ 78,000 | $ 54,000 |
| Cullman County Alabama | 7 | $ 888,000 | $ 126,000 | $ 96,000 |
| Jackson County Alabama | 7 | $ 928,000 | $ 132,000 | $ 85,000 |
| Escambia County Florida | 7 | $ 2,569,000 | $ 367,000 | $ 105,000 |
| Seminole County Florida | 6 | $ 821,000 | $ 136,000 | $ 40,000 |
| Bibb County Alabama | 5 | $ 698,000 | $ 139,000 | $ 138,000 |
| Elmore County Alabama | 5 | $ 2,196,000 | $ 439,000 | $ 279,000 |
| Lauderdale County Alabama | 5 | $ 585,000 | $ 117,000 | $ 56,000 |
| Blount County Alabama | 4 | $ 545,000 | $ 136,000 | $ 159,000 |
| Chilton County Alabama | 4 | $ 619,000 | $ 154,000 | $ 107,000 |
| DeKalb County Alabama | 4 | $ 533,000 | $ 133,000 | $ 118,000 |
| Volusia County Florida | 4 | $ 1,339,000 | $ 334,000 | $ 140,000 |
| Mobile County Alabama | 3 | $ 342,000 | $ 114,000 | $ 100,000 |
| Montgomery County Alabama | 3 | $ 231,000 | $ 77,000 | $ 44,000 |
| Marion County Florida | 3 | $ 440,000 | $ 146,000 | $ 41,000 |
| Sevier County Tennessee | 3 | $ 813,000 | $ 271,000 | $ 359,000 |
| Calhoun County Alabama | 2 | $ 188,000 | $ 94,000 | $ 92,000 |
| Coosa County Alabama | 2 | $ 131,000 | $ 65,000 | $ 235,000 |
| Dale County Alabama | 2 | $ 113,000 | $ 56,000 | $ 35,000 |
| Randolph County Alabama | 2 | $ 90,000 | $ 45,000 | $ 39,000 |
| Russell County Alabama | 2 | $ 59,000 | $ 29,000 | $ 46,000 |
| Walker County Alabama | 2 | $ 78,000 | $ 39,000 | $ 33,000 |
| Bay County Florida | 2 | $ 574,000 | $ 287,000 | $ 182,000 |
| Brevard County Florida | 2 | $ 288,000 | $ 144,000 | $ 63,000 |
| Broward County Florida | 2 | $ 427,000 | $ 213,000 | $ 109,000 |
| Charlotte County Florida | 2 | $ 453,000 | $ 226,000 | $ 132,000 |
| Citrus County Florida | 2 | $ 463,000 | $ 231,000 | $ 392,000 |
| Clay County Florida | 2 | $ 290,000 | $ 145,000 | $ 69,000 |
| Flagler County Florida | 2 | $ 483,000 | $ 241,000 | $ 78,000 |
| Franklin County Florida | 2 | $ 278,000 | $ 139,000 | $ 212,000 |
| Hillsborough County Florida | 2 | $ 562,000 | $ 281,000 | $ 122,000 |
| Okaloosa County Florida | 2 | $ 641,000 | $ 320,000 | $ 304,000 |
| St. Johns County Florida | 2 | $ 430,000 | $ 215,000 | $ 224,000 |
| Cobb County Georgia | 2 | $ 214,000 | $ 107,000 | $ 57,000 |
| Henry County Georgia | 2 | $ 166,000 | $ 83,000 | $ 87,000 |
| Muscogee County Georgia | 2 | $ 143,000 | $ 71,000 | $ 58,000 |
| Lee County Mississippi | 2 | $ 112,000 | $ 56,000 | $ 32,000 |
| Davidson County Tennessee | 2 | $ 369,000 | $ 184,000 | $ 42,000 |
| Franklin County Tennessee | 2 | $ 284,000 | $ 142,000 | $ 183,000 |
| Autauga County Alabama | 1 | $ 21,000 | $ 21,000 | $ 68,000 |
| Coffee County Alabama | 1 | $ 68,000 | $ 68,000 | $ 87,000 |
| Colbert County Alabama | 1 | $ 32,000 | $ 32,000 | $ 46,000 |
| Escambia County Alabama | 1 | $ 85,000 | $ 85,000 | $ 78,000 |
| Etowah County Alabama | 1 | $ 14,000 | $ 14,000 | $ 15,000 |
| Henry County Alabama | 1 | $ 61,000 | $ 61,000 | $ 29,000 |
| Columbia County Florida | 1 | $ 166,000 | $ 166,000 | $ 77,000 |
| Dixie County Florida | 1 | $ 639,000 | $ 639,000 | $ 540,000 |
| Highlands County Florida | 1 | $ 262,000 | $ 262,000 | $ 234,000 |
| Polk County Florida | 1 | $ 100,000 | $ 100,000 | $ 23,000 |
| Putnam County Florida | 1 | $ 170,000 | $ 170,000 | $ 82,000 |
| Sarasota County Florida | 1 | $ 155,000 | $ 155,000 | $ 458,000 |
| Sumter County Florida | 1 | $ 138,000 | $ 138,000 | $ 173,000 |
| Taylor County Florida | 1 | $ 494,000 | $ 494,000 | $ 0 |
| Bartow County Georgia | 1 | $ 150,000 | $ 150,000 | $ 77,000 |
| Bibb County Georgia | 1 | $ 152,000 | $ 152,000 | $ 72,000 |
| Coweta County Georgia | 1 | $ 263,000 | $ 263,000 | $ 130,000 |
| Dawson County Georgia | 1 | $ 15,000 | $ 15,000 | $ 35,000 |
| Fulton County Georgia | 1 | $ 780,000 | $ 780,000 | $ 449,000 |
| Greene County Georgia | 1 | $ 1,122,000 | $ 1,122,000 | $ 0 |
| Gwinnett County Georgia | 1 | $ 109,000 | $ 109,000 | $ 80,000 |
| Paulding County Georgia | 1 | $ 300,000 | $ 300,000 | $ 103,000 |
| Union County Georgia | 1 | $ 190,000 | $ 190,000 | $ 120,000 |
| Charles County Maryland | 1 | $ 331,000 | $ 331,000 | $ 69,000 |
| St. Joseph County Michigan | 1 | $ 88,000 | $ 88,000 | $ 16,000 |
| Lafayette County Mississippi | 1 | $ 293,000 | $ 293,000 | $ 449,000 |
| Tishomingo County Mississippi | 1 | $ 80,000 | $ 80,000 | $ 224,000 |
| Belknap County New Hampshire | 1 | $ 500,000 | $ 500,000 | $ 276,000 |
| Buncombe County North Carolina | 1 | $ 720,000 | $ 720,000 | $ 301,000 |
| Jackson County North Carolina | 1 | $ 300,000 | $ 300,000 | $ 53,000 |
| Macon County North Carolina | 1 | $ 416,000 | $ 416,000 | $ 258,000 |
| Madison County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 281,000 |
| Mecklenburg County North Carolina | 1 | $ 319,000 | $ 319,000 | $ 126,000 |
| Moore County North Carolina | 1 | $ 127,000 | $ 127,000 | $ 122,000 |
| Allegheny County Pennsylvania | 1 | $ 171,000 | $ 171,000 | $ 68,000 |
| Beaufort County South Carolina | 1 | $ 193,000 | $ 193,000 | $ 75,000 |
| Maury County Tennessee | 1 | $ 238,000 | $ 238,000 | $ 90,000 |
| Moore County Tennessee | 1 | $ 143,000 | $ 143,000 | $ 188,000 |
| Shelby County Tennessee | 1 | $ 281,000 | $ 281,000 | $ 88,000 |
| Williamson County Tennessee | 1 | $ 260,000 | $ 260,000 | $ 268,000 |
| Harris County Texas | 1 | $ 414,000 | $ 414,000 | $ 0 |
| Teton County Wyoming | 1 | $ 735,000 | $ 735,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for First American Bank 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,909 | $328,987,000 | $269,916 | $7,487,000 | $118,166 | $1,380,000 |
| Refinancing | 1,015 | $168,021,000 | $194,666 | $1,260,000 | $67,166 | $1,305,000 |
| Home Improvement | 88 | $4,169,000 | $53,000 | $365,000 | $28,000 | $314,000 |
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 | 2,588 | $422,014,000 | $238,333 | $1,520,000 | $114,750 | $1,380,000 |
| Black or African American | 183 | $23,369,000 | $162,333 | $600,000 | $72,500 | $402,000 |
| Not applicable | 90 | $32,025,000 | $602,000 | $7,487,000 | $0 | $0 |
| Hispanic | 63 | $8,920,000 | $140,000 | $460,000 | $59,333 | $240,000 |
| Asian | 41 | $7,006,000 | $210,000 | $590,000 | $101,333 | $797,000 |
| Not Provided | 39 | $6,364,000 | $269,000 | $555,000 | $112,000 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,185,000 | $245,000 | $618,000 | $93,500 | $247,000 |
| American Indian or Alaskan Native | 2 | $294,000 | $147,000 | $195,000 | $68,500 | $73,000 |
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) | 2,922 | $490,999,000 | $257,384 | $7,487,000 | $102,076 | $1,380,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 36 | $3,824,000 | $106,000 | $252,000 | $37,000 | $78,000 |
| FHA-insured (Federal Housing Administration) | 32 | $2,951,000 | $99,500 | $143,000 | $38,500 | $61,000 |
| VA-guaranteed (Veterans Administration) | 22 | $3,403,000 | $204,666 | $331,000 | $67,000 | $164,000 |
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 | 2,597 | $439,231,000 | $281,076 | $7,487,000 | $107,538 | $1,380,000 |
| Application Withdrawn By Applicant | 250 | $40,423,000 | $189,666 | $1,193,000 | $76,666 | $650,000 |
| Application Denied By Financial Institution | 86 | $7,899,000 | $113,800 | $650,000 | $58,600 | $466,000 |
| Application Approved But Not Accepted | 43 | $7,413,000 | $215,000 | $450,000 | $102,333 | $360,000 |
| File Closed For Incompleteness | 36 | $6,211,000 | $213,000 | $620,000 | $95,000 | $458,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 56 | $3,105,000 | $115,600 | $275,000 | $50,200 | $130,000 |
| Debt-To-Income Ratio | 10 | $1,266,000 | $144,000 | $345,000 | $27,000 | $73,000 |
| Other | 9 | $1,770,000 | $117,000 | $618,000 | $272,500 | $466,000 |
| Collateral | 8 | $1,585,000 | $149,500 | $650,000 | $99,500 | $307,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $148,000 | $74,000 | $77,000 | $34,000 | $39,000 |
| Employment History | 1 | $25,000 | $25,000 | $25,000 | $16,000 | $16,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First American Bank'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 First American 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 North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.