First Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
First 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 Bank Po Box 508 Troy, NC 27371 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,712 |
| Total Mortgage Loan Application Amount | $165,617,000 |
| Average Mortgage Loan Application Amount | $73,916 |
| Highest Mortgage Loan Application Amount | $1,077,000 |
| Average Applicant Income | $72,083 |
| Highest Applicant Income | $5,105,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with First 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 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 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 Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First 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 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 |
|---|---|---|---|---|
| Moore County North Carolina | 241 | $ 24,165,000 | $ 100,000 | $ 56,000 |
| Lee County North Carolina | 199 | $ 18,924,000 | $ 95,000 | $ 61,000 |
| Robeson County North Carolina | 142 | $ 9,760,000 | $ 68,000 | $ 47,000 |
| Randolph County North Carolina | 104 | $ 11,218,000 | $ 107,000 | $ 51,000 |
| Harnett County North Carolina | 86 | $ 5,557,000 | $ 64,000 | $ 68,000 |
| Davidson County North Carolina | 84 | $ 7,424,000 | $ 88,000 | $ 63,000 |
| Wythe County Virginia | 78 | $ 6,730,000 | $ 86,000 | $ 50,000 |
| Montgomery County North Carolina | 75 | $ 5,259,000 | $ 70,000 | $ 45,000 |
| Stanly County North Carolina | 66 | $ 6,158,000 | $ 93,000 | $ 48,000 |
| Chatham County North Carolina | 55 | $ 6,114,000 | $ 111,000 | $ 54,000 |
| Guilford County North Carolina | 50 | $ 4,491,000 | $ 89,000 | $ 56,000 |
| Dillon County South Carolina | 47 | $ 2,288,000 | $ 48,000 | $ 40,000 |
| Wake County North Carolina | 42 | $ 5,121,000 | $ 121,000 | $ 76,000 |
| Duplin County North Carolina | 40 | $ 2,433,000 | $ 60,000 | $ 39,000 |
| Rowan County North Carolina | 37 | $ 4,338,000 | $ 117,000 | $ 76,000 |
| Scotland County North Carolina | 37 | $ 2,778,000 | $ 75,000 | $ 88,000 |
| Rockingham County North Carolina | 28 | $ 2,533,000 | $ 90,000 | $ 79,000 |
| Cabarrus County North Carolina | 27 | $ 4,070,000 | $ 150,000 | $ 144,000 |
| Cumberland County North Carolina | 27 | $ 2,132,000 | $ 78,000 | $ 60,000 |
| Richmond County North Carolina | 26 | $ 1,775,000 | $ 68,000 | $ 68,000 |
| Horry County South Carolina | 21 | $ 2,422,000 | $ 115,000 | $ 91,000 |
| Brunswick County North Carolina | 19 | $ 5,552,000 | $ 292,000 | $ 167,000 |
| Montgomery County Virginia | 15 | $ 1,562,000 | $ 104,000 | $ 82,000 |
| Mecklenburg County North Carolina | 12 | $ 1,716,000 | $ 143,000 | $ 68,000 |
| New Hanover County North Carolina | 10 | $ 3,847,000 | $ 384,000 | $ 166,000 |
| Pulaski County Virginia | 10 | $ 1,696,000 | $ 169,000 | $ 95,000 |
| Hoke County North Carolina | 9 | $ 637,000 | $ 70,000 | $ 42,000 |
| Davie County North Carolina | 8 | $ 889,000 | $ 111,000 | $ 2,618,000 |
| Sampson County North Carolina | 6 | $ 859,000 | $ 143,000 | $ 52,000 |
| Radford County Virginia | 6 | $ 822,000 | $ 137,000 | $ 111,000 |
| Carteret County North Carolina | 5 | $ 516,000 | $ 103,000 | $ 110,000 |
| Columbus County North Carolina | 5 | $ 660,000 | $ 132,000 | $ 63,000 |
| Johnston County North Carolina | 5 | $ 659,000 | $ 131,000 | $ 46,000 |
| Onslow County North Carolina | 5 | $ 1,321,000 | $ 264,000 | $ 357,000 |
| Pender County North Carolina | 5 | $ 270,000 | $ 54,000 | $ 47,000 |
| Union County North Carolina | 5 | $ 459,000 | $ 91,000 | $ 69,000 |
| Carroll County Virginia | 4 | $ 254,000 | $ 63,000 | $ 44,000 |
| Washington County Virginia | 4 | $ 343,000 | $ 85,000 | $ 49,000 |
| Anson County North Carolina | 3 | $ 171,000 | $ 57,000 | $ 37,000 |
| Bladen County North Carolina | 3 | $ 273,000 | $ 91,000 | $ 58,000 |
| Forsyth County North Carolina | 3 | $ 443,000 | $ 147,000 | $ 62,000 |
| Iredell County North Carolina | 3 | $ 584,000 | $ 194,000 | $ 58,000 |
| Marlboro County South Carolina | 3 | $ 105,000 | $ 35,000 | $ 33,000 |
| Smyth County Virginia | 3 | $ 230,000 | $ 76,000 | $ 45,000 |
| Alamance County North Carolina | 2 | $ 344,000 | $ 172,000 | $ 60,000 |
| Ashe County North Carolina | 2 | $ 248,000 | $ 124,000 | $ 64,000 |
| Catawba County North Carolina | 2 | $ 70,000 | $ 35,000 | $ 102,000 |
| Durham County North Carolina | 2 | $ 273,000 | $ 136,000 | $ 63,000 |
| Franklin County North Carolina | 2 | $ 345,000 | $ 172,000 | $ 110,000 |
| Orange County North Carolina | 2 | $ 298,000 | $ 149,000 | $ 198,000 |
| Person County North Carolina | 2 | $ 233,000 | $ 116,000 | $ 44,000 |
| Stokes County North Carolina | 2 | $ 219,000 | $ 109,000 | $ 22,000 |
| Yadkin County North Carolina | 2 | $ 91,000 | $ 45,000 | $ 28,000 |
| Beaufort County South Carolina | 2 | $ 623,000 | $ 311,000 | $ 273,000 |
| Marion County South Carolina | 2 | $ 160,000 | $ 80,000 | $ 57,000 |
| York County South Carolina | 2 | $ 359,000 | $ 179,000 | $ 136,000 |
| Bland County Virginia | 2 | $ 75,000 | $ 37,000 | $ 47,000 |
| Grayson County Virginia | 2 | $ 104,000 | $ 52,000 | $ 36,000 |
| Caswell County North Carolina | 1 | $ 48,000 | $ 48,000 | $ 19,000 |
| Dare County North Carolina | 1 | $ 342,000 | $ 342,000 | $ 202,000 |
| Haywood County North Carolina | 1 | $ 203,000 | $ 203,000 | $ 100,000 |
| Lincoln County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 58,000 |
| Madison County North Carolina | 1 | $ 350,000 | $ 350,000 | $ 234,000 |
| Mitchell County North Carolina | 1 | $ 40,000 | $ 40,000 | $ 36,000 |
| Pitt County North Carolina | 1 | $ 140,000 | $ 140,000 | $ 344,000 |
| Wayne County North Carolina | 1 | $ 112,000 | $ 112,000 | $ 56,000 |
| Calhoun County South Carolina | 1 | $ 162,000 | $ 162,000 | $ 170,000 |
| Charleston County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Florence County South Carolina | 1 | $ 120,000 | $ 120,000 | $ 71,000 |
| Lexington County South Carolina | 1 | $ 42,000 | $ 42,000 | $ 103,000 |
| Richland County South Carolina | 1 | $ 110,000 | $ 110,000 | $ 48,000 |
| Sullivan County Tennessee | 1 | $ 40,000 | $ 40,000 | $ 187,000 |
| Bristol County Virginia | 1 | $ 70,000 | $ 70,000 | $ 44,000 |
| Chesterfield County Virginia | 1 | $ 104,000 | $ 104,000 | $ 63,000 |
| Henry County Virginia | 1 | $ 208,000 | $ 208,000 | $ 77,000 |
| Mecklenburg County Virginia | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Tazewell County Virginia | 1 | $ 20,000 | $ 20,000 | $ 23,000 |
| Cabell County West Virginia | 1 | $ 115,000 | $ 115,000 | $ 49,000 |
| Mercer County West Virginia | 1 | $ 22,000 | $ 22,000 | $ 30,000 |
Mortgage Loan Application Detail Totals for First 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 | 807 | $78,878,000 | $103,750 | $1,077,000 | $72,000 | $2,296,000 |
| Refinancing | 629 | $78,506,000 | $93,750 | $1,020,000 | $101,500 | $5,105,000 |
| Home Improvement | 276 | $8,233,000 | $24,250 | $261,000 | $42,750 | $335,000 |
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 | 1,351 | $138,876,000 | $75,750 | $1,077,000 | $67,250 | $5,105,000 |
| Black or African American | 125 | $7,294,000 | $54,333 | $255,000 | $41,666 | $360,000 |
| Not applicable | 89 | $10,083,000 | $130,666 | $935,000 | $91,333 | $2,296,000 |
| American Indian or Alaskan Native | 77 | $4,718,000 | $61,000 | $185,000 | $40,000 | $177,000 |
| Hispanic | 55 | $2,969,000 | $52,600 | $244,000 | $76,600 | $187,000 |
| Asian | 7 | $934,000 | $129,000 | $225,000 | $58,000 | $141,000 |
| Not Provided | 5 | $459,000 | $91,000 | $120,000 | $69,000 | $113,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $284,000 | $94,000 | $142,000 | $62,000 | $85,000 |
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) | 1,712 | $165,617,000 | $75,600 | $1,077,000 | $88,400 | $5,105,000 |
| 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 | 1,528 | $153,196,000 | $68,400 | $1,077,000 | $91,800 | $5,105,000 |
| Application Denied By Financial Institution | 162 | $10,302,000 | $55,333 | $540,000 | $37,333 | $345,000 |
| Application Approved But Not Accepted | 13 | $1,553,000 | $153,666 | $335,000 | $132,666 | $273,000 |
| Application Withdrawn By Applicant | 9 | $566,000 | $69,000 | $115,000 | $33,000 | $101,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 127 | $7,281,000 | $53,333 | $275,000 | $36,333 | $108,000 |
| Debt-To-Income Ratio | 24 | $2,091,000 | $68,333 | $342,000 | $35,000 | $345,000 |
| Employment History | 6 | $254,000 | $31,000 | $120,000 | $20,500 | $48,000 |
| Other | 4 | $658,000 | $164,000 | $540,000 | $48,000 | $108,000 |
| Collateral | 1 | $18,000 | $18,000 | $18,000 | $75,000 | $75,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First 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 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.