First Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
First Bank 2019 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 | 2022 2021 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 3,094 |
| Total Mortgage Loan Application Amount | $719,610,000 |
| Average Mortgage Loan Application Amount | $192,800 |
| Highest Mortgage Loan Application Amount | $21,005,000 |
| Average Applicant Income | $116,200 |
| Highest Applicant Income | $4,888,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Buncombe County North Carolina | 399 | $ 101,775,000 | $ 255,000 | $ 116,000 |
| Moore County North Carolina | 225 | $ 48,445,000 | $ 215,000 | $ 105,000 |
| Brunswick County North Carolina | 196 | $ 48,070,000 | $ 245,000 | $ 139,000 |
| New Hanover County North Carolina | 174 | $ 67,670,000 | $ 388,000 | $ 208,000 |
| Guilford County North Carolina | 145 | $ 29,035,000 | $ 200,000 | $ 132,000 |
| Randolph County North Carolina | 98 | $ 14,310,000 | $ 146,000 | $ 105,000 |
| Henderson County North Carolina | 97 | $ 17,055,000 | $ 175,000 | $ 87,000 |
| Lee County North Carolina | 97 | $ 14,925,000 | $ 153,000 | $ 124,000 |
| Stanly County North Carolina | 80 | $ 12,030,000 | $ 150,000 | $ 99,000 |
| Wake County North Carolina | 80 | $ 26,090,000 | $ 326,000 | $ 152,000 |
| Davidson County North Carolina | 78 | $ 13,600,000 | $ 174,000 | $ 98,000 |
| Harnett County North Carolina | 76 | $ 15,320,000 | $ 201,000 | $ 117,000 |
| McDowell County North Carolina | 73 | $ 13,625,000 | $ 186,000 | $ 78,000 |
| Beaufort County North Carolina | 69 | $ 11,295,000 | $ 163,000 | $ 105,000 |
| Robeson County North Carolina | 65 | $ 8,375,000 | $ 128,000 | $ 91,000 |
| Montgomery County North Carolina | 51 | $ 5,375,000 | $ 105,000 | $ 71,000 |
| Chatham County North Carolina | 48 | $ 10,170,000 | $ 211,000 | $ 171,000 |
| Mecklenburg County North Carolina | 48 | $ 15,550,000 | $ 323,000 | $ 197,000 |
| Carteret County North Carolina | 47 | $ 12,415,000 | $ 264,000 | $ 127,000 |
| Iredell County North Carolina | 46 | $ 9,450,000 | $ 205,000 | $ 111,000 |
| Madison County North Carolina | 45 | $ 9,765,000 | $ 217,000 | $ 88,000 |
| Pitt County North Carolina | 44 | $ 11,590,000 | $ 263,000 | $ 162,000 |
| Pender County North Carolina | 43 | $ 14,215,000 | $ 330,000 | $ 275,000 |
| Alamance County North Carolina | 42 | $ 7,740,000 | $ 184,000 | $ 127,000 |
| Cabarrus County North Carolina | 42 | $ 8,480,000 | $ 201,000 | $ 97,000 |
| Forsyth County North Carolina | 41 | $ 9,775,000 | $ 238,000 | $ 130,000 |
| Florence County South Carolina | 40 | $ 17,880,000 | $ 447,000 | $ 210,000 |
| Cumberland County North Carolina | 35 | $ 6,105,000 | $ 174,000 | $ 112,000 |
| Rockingham County North Carolina | 34 | $ 5,670,000 | $ 166,000 | $ 88,000 |
| Duplin County North Carolina | 31 | $ 3,865,000 | $ 124,000 | $ 94,000 |
| Rowan County North Carolina | 31 | $ 4,275,000 | $ 137,000 | $ 84,000 |
| Transylvania County North Carolina | 30 | $ 6,470,000 | $ 215,000 | $ 97,000 |
| Chesterfield County South Carolina | 30 | $ 4,060,000 | $ 135,000 | $ 104,000 |
| Richmond County North Carolina | 29 | $ 3,045,000 | $ 105,000 | $ 93,000 |
| Onslow County North Carolina | 28 | $ 5,030,000 | $ 179,000 | $ 108,000 |
| Dillon County South Carolina | 27 | $ 2,465,000 | $ 91,000 | $ 63,000 |
| Scotland County North Carolina | 25 | $ 2,675,000 | $ 107,000 | $ 94,000 |
| Columbus County North Carolina | 23 | $ 3,425,000 | $ 148,000 | $ 77,000 |
| Dare County North Carolina | 23 | $ 6,365,000 | $ 276,000 | $ 227,000 |
| Horry County South Carolina | 20 | $ 4,170,000 | $ 208,000 | $ 161,000 |
| Johnston County North Carolina | 18 | $ 4,540,000 | $ 252,000 | $ 125,000 |
| Bladen County North Carolina | 17 | $ 2,815,000 | $ 165,000 | $ 93,000 |
| Haywood County North Carolina | 17 | $ 3,125,000 | $ 183,000 | $ 98,000 |
| Union County North Carolina | 12 | $ 4,090,000 | $ 340,000 | $ 149,000 |
| Durham County North Carolina | 11 | $ 3,035,000 | $ 275,000 | $ 157,000 |
| Hoke County North Carolina | 8 | $ 1,110,000 | $ 138,000 | $ 117,000 |
| Burke County North Carolina | 7 | $ 1,575,000 | $ 225,000 | $ 128,000 |
| Lincoln County North Carolina | 7 | $ 2,465,000 | $ 352,000 | $ 122,000 |
| Sampson County North Carolina | 6 | $ 1,390,000 | $ 231,000 | $ 86,000 |
| Stokes County North Carolina | 6 | $ 840,000 | $ 140,000 | $ 88,000 |
| Yancey County North Carolina | 6 | $ 820,000 | $ 136,000 | $ 45,000 |
| Darlington County South Carolina | 6 | $ 1,540,000 | $ 256,000 | $ 85,000 |
| Catawba County North Carolina | 5 | $ 915,000 | $ 183,000 | $ 79,000 |
| Hyde County North Carolina | 5 | $ 1,015,000 | $ 203,000 | $ 96,000 |
| Marlboro County South Carolina | 5 | $ 345,000 | $ 69,000 | $ 53,000 |
| Ashe County North Carolina | 4 | $ 790,000 | $ 197,000 | $ 99,000 |
| Craven County North Carolina | 4 | $ 880,000 | $ 220,000 | $ 158,000 |
| Franklin County North Carolina | 4 | $ 880,000 | $ 220,000 | $ 83,000 |
| Granville County North Carolina | 4 | $ 1,190,000 | $ 297,000 | $ 120,000 |
| Mitchell County North Carolina | 4 | $ 380,000 | $ 95,000 | $ 41,000 |
| Orange County North Carolina | 4 | $ 3,420,000 | $ 855,000 | $ 130,000 |
| Polk County North Carolina | 4 | $ 480,000 | $ 120,000 | $ 71,000 |
| Charleston County South Carolina | 4 | $ 1,910,000 | $ 477,000 | $ 246,000 |
| York County South Carolina | 4 | $ 1,040,000 | $ 260,000 | $ 130,000 |
| Alexander County North Carolina | 3 | $ 4,475,000 | $ 1,491,000 | $ 86,000 |
| Anson County North Carolina | 3 | $ 305,000 | $ 101,000 | $ 49,000 |
| Davie County North Carolina | 3 | $ 585,000 | $ 195,000 | $ 99,000 |
| Gaston County North Carolina | 3 | $ 845,000 | $ 281,000 | $ 128,000 |
| Clarendon County South Carolina | 3 | $ 965,000 | $ 321,000 | $ 271,000 |
| Lexington County South Carolina | 3 | $ 555,000 | $ 185,000 | $ 89,000 |
| Avery County North Carolina | 2 | $ 190,000 | $ 95,000 | $ 81,000 |
| Caldwell County North Carolina | 2 | $ 290,000 | $ 145,000 | $ 41,000 |
| Caswell County North Carolina | 2 | $ 260,000 | $ 130,000 | $ 59,000 |
| Cleveland County North Carolina | 2 | $ 500,000 | $ 250,000 | $ 131,000 |
| Currituck County North Carolina | 2 | $ 300,000 | $ 150,000 | $ 57,000 |
| Edgecombe County North Carolina | 2 | $ 190,000 | $ 95,000 | $ 40,000 |
| Surry County North Carolina | 2 | $ 320,000 | $ 160,000 | $ 74,000 |
| Watauga County North Carolina | 2 | $ 480,000 | $ 240,000 | $ 118,000 |
| Anderson County South Carolina | 2 | $ 520,000 | $ 260,000 | $ 200,000 |
| Georgetown County South Carolina | 2 | $ 110,000 | $ 55,000 | $ 277,000 |
| Greenville County South Carolina | 2 | $ 520,000 | $ 260,000 | $ 115,000 |
| Pickens County South Carolina | 2 | $ 15,130,000 | $ 7,565,000 | $ 771,000 |
| Gates County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 56,000 |
| Greene County North Carolina | 1 | $ 445,000 | $ 445,000 | $ 114,000 |
| Halifax County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 21,000 |
| Jackson County North Carolina | 1 | $ 575,000 | $ 575,000 | $ 98,000 |
| Northampton County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 81,000 |
| Pamlico County North Carolina | 1 | $ 545,000 | $ 545,000 | $ 255,000 |
| Person County North Carolina | 1 | $ 365,000 | $ 365,000 | $ 270,000 |
| Rutherford County North Carolina | 1 | $ 345,000 | $ 345,000 | $ 123,000 |
| Swain County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 43,000 |
| Tyrrell County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 98,000 |
| Vance County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 34,000 |
| Yadkin County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 66,000 |
| Dorchester County South Carolina | 1 | $ 3,105,000 | $ 3,105,000 | $ 0 |
| Fairfield County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 233,000 |
| Kershaw County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Lancaster County South Carolina | 1 | $ 325,000 | $ 325,000 | $ 190,000 |
| Marion County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Oconee County South Carolina | 1 | $ 415,000 | $ 415,000 | $ 134,000 |
| Richland County South Carolina | 1 | $ 285,000 | $ 285,000 | $ 420,000 |
| Augusta County Virginia | 1 | $ 7,335,000 | $ 7,335,000 | $ 0 |
| Chesapeake County Virginia | 1 | $ 225,000 | $ 225,000 | $ 88,000 |
| Franklin County Virginia | 1 | $ 305,000 | $ 305,000 | $ 173,000 |
| King George County Virginia | 1 | $ 2,355,000 | $ 2,355,000 | $ 0 |
| Mecklenburg County Virginia | 1 | $ 185,000 | $ 185,000 | $ 162,000 |
| Radford County Virginia | 1 | $ 2,555,000 | $ 2,555,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Bank in 2019
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 | 1,405 | $445,155,000 | $316,000 | $21,005,000 | $132,000 | $4,888,000 |
| Other Purpose | 606 | $66,080,000 | $109,000 | $785,000 | $121,000 | $1,319,000 |
| Refinancing | 556 | $122,990,000 | $221,000 | $13,405,000 | $117,000 | $752,000 |
| Cash-out Refinancing | 274 | $62,200,000 | $227,000 | $1,505,000 | $110,000 | $1,501,000 |
| Home Improvement | 253 | $23,185,000 | $91,000 | $2,555,000 | $101,000 | $732,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,582 | $537,250,000 | $208,000 | $1,725,000 | $124,000 | $4,888,000 |
| Not applicable | 133 | $113,285,000 | $851,000 | $21,005,000 | $0 | $0 |
| Not Provided | 115 | $23,775,000 | $206,000 | $865,000 | $137,000 | $752,000 |
| Black or African American | 99 | $17,295,000 | $174,000 | $995,000 | $102,000 | $900,000 |
| Hispanic | 85 | $11,485,000 | $135,000 | $845,000 | $75,000 | $553,000 |
| Asian | 41 | $9,065,000 | $221,000 | $975,000 | $120,000 | $600,000 |
| American Indian or Alaskan Native | 29 | $5,665,000 | $195,000 | $485,000 | $112,000 | $468,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 3,006 | $701,800,000 | $233,000 | $21,005,000 | $124,000 | $4,888,000 |
| FHA-insured (Federal Housing Administration) | 45 | $7,395,000 | $164,000 | $325,000 | $60,000 | $147,000 |
| VA-guaranteed (Veterans Administration) | 33 | $8,665,000 | $262,000 | $565,000 | $94,000 | $219,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,750,000 | $175,000 | $285,000 | $53,000 | $73,000 |
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 | 2,384 | $593,260,000 | $248,000 | $21,005,000 | $131,000 | $4,888,000 |
| Application Denied By Financial Institution | 437 | $62,115,000 | $142,000 | $765,000 | $77,000 | $1,319,000 |
| Application Withdrawn By Applicant | 239 | $52,515,000 | $219,000 | $945,000 | $111,000 | $647,000 |
| File Closed For Incompleteness | 29 | $10,405,000 | $358,000 | $1,125,000 | $201,000 | $2,245,000 |
| Application Approved But Not Accepted | 4 | $1,270,000 | $317,000 | $555,000 | $163,000 | $163,000 |
| Loan Purchased By The Institution | 1 | $45,000 | $45,000 | $45,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,657 | $657,495,000 | $247,000 | $21,005,000 | $130,000 | $4,888,000 |
| Debt-To-Income Ratio | 194 | $29,700,000 | $153,000 | $765,000 | $61,000 | $487,000 |
| Credit History | 105 | $12,005,000 | $114,000 | $515,000 | $76,000 | $542,000 |
| Collateral | 93 | $13,385,000 | $143,000 | $685,000 | $114,000 | $1,319,000 |
| Other | 28 | $3,710,000 | $132,000 | $355,000 | $82,000 | $330,000 |
| Employment History | 7 | $1,095,000 | $156,000 | $485,000 | $33,000 | $88,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,835,000 | $262,000 | $625,000 | $75,000 | $153,000 |
| Unverifiable Information | 3 | $385,000 | $128,000 | $245,000 | $75,000 | $116,000 |
| Credit Application Incomplete | 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 2019 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.