First Century Bank, National Association Mortgage Lending & HMDA Data, 2008
In 2008, First Century Bank, National Association of Gainesville, GA reported 667 mortgage applications totaling $133.2 million, up 8238% from 2007. The average application was for $199,704, and applicants reported an average income of $92,826. 34% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Gainesville, GA (31), Atlanta-Sandy Springs-Marietta, GA (28) and Houston-Sugar Land-Baytown, TX (16) (applications in parentheses).
| Mortgage Company & Address | First Century Bank, National Association 807 Dorsey St Gainesville, GA 30501 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 667 |
| Total Mortgage Loan Application Amount | $133,203,000 |
| Average Mortgage Loan Application Amount | $199,704 |
| Highest Mortgage Loan Application Amount | $881,000 |
| Average Applicant Income | $92,826 |
| Highest Applicant Income | $964,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Century Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hall, Georgia | 31 | $ 4,573,000 | $ 147,516 | $ 76,000 |
| Gwinnett, Georgia | 14 | $ 2,415,000 | $ 172,500 | $ 83,000 |
| Los Angeles, California | 10 | $ 2,746,000 | $ 274,600 | $ 97,000 |
| Orange, California | 10 | $ 3,628,000 | $ 362,800 | $ 96,000 |
| Clark, Nevada | 10 | $ 2,657,000 | $ 265,700 | $ 139,000 |
| Cook, Illinois | 8 | $ 2,350,000 | $ 293,750 | $ 125,000 |
| Clarke, Georgia | 7 | $ 758,000 | $ 108,285 | $ 59,000 |
| San Diego, California | 6 | $ 1,606,000 | $ 267,666 | $ 89,000 |
| Fulton, Georgia | 6 | $ 1,407,000 | $ 234,500 | $ 96,000 |
| Hennepin, Minnesota | 6 | $ 2,041,000 | $ 340,166 | $ 123,000 |
| Harris, Texas | 6 | $ 816,000 | $ 136,000 | $ 84,000 |
| Salt Lake, Utah | 6 | $ 1,349,000 | $ 224,833 | $ 90,000 |
| Mobile, Alabama | 5 | $ 951,000 | $ 190,200 | $ 78,000 |
| Johnson, Kansas | 5 | $ 928,000 | $ 185,600 | $ 90,000 |
| Jefferson, Kentucky | 5 | $ 1,000,000 | $ 200,000 | $ 166,000 |
| Jefferson, Louisiana | 5 | $ 864,000 | $ 172,800 | $ 96,000 |
| Montgomery, Maryland | 5 | $ 1,594,000 | $ 318,800 | $ 152,000 |
| Wayne, Michigan | 5 | $ 849,000 | $ 169,800 | $ 118,000 |
| Tarrant, Texas | 5 | $ 962,000 | $ 192,400 | $ 102,000 |
| Ada, Idaho | 4 | $ 618,000 | $ 154,500 | $ 56,000 |
| Marion, Indiana | 4 | $ 514,000 | $ 128,500 | $ 62,000 |
| East Baton Rouge, Louisiana | 4 | $ 825,000 | $ 206,250 | $ 104,000 |
| Washoe, Nevada | 4 | $ 1,199,000 | $ 299,750 | $ 165,000 |
| Rockingham, New Hampshire | 4 | $ 889,000 | $ 222,250 | $ 61,000 |
| Middlesex, New Jersey | 4 | $ 1,029,000 | $ 257,250 | $ 96,000 |
| Galveston, Texas | 4 | $ 1,002,000 | $ 250,500 | $ 123,000 |
| Snohomish, Washington | 4 | $ 993,000 | $ 248,250 | $ 87,000 |
| Anchorage, Alaska | 3 | $ 1,056,000 | $ 352,000 | $ 209,000 |
| Sacramento, California | 3 | $ 430,000 | $ 143,333 | $ 72,000 |
| District of Columbia, District Of Columbia | 3 | $ 747,000 | $ 249,000 | $ 136,000 |
| St. Tammany, Louisiana | 3 | $ 605,000 | $ 201,666 | $ 95,000 |
| Middlesex, Massachusetts | 3 | $ 1,003,000 | $ 334,333 | $ 88,000 |
| Macomb, Michigan | 3 | $ 505,000 | $ 168,333 | $ 32,000 |
| Anoka, Minnesota | 3 | $ 551,000 | $ 183,666 | $ 149,000 |
| Pearl River, Mississippi | 3 | $ 415,000 | $ 138,333 | $ 65,000 |
| Bergen, New Jersey | 3 | $ 1,064,000 | $ 354,666 | $ 76,000 |
| Burlington, New Jersey | 3 | $ 552,000 | $ 184,000 | $ 104,000 |
| Camden, New Jersey | 3 | $ 771,000 | $ 257,000 | $ 103,000 |
| Gloucester, New Jersey | 3 | $ 719,000 | $ 239,666 | $ 92,000 |
| Bernalillo, New Mexico | 3 | $ 566,000 | $ 188,666 | $ 69,000 |
| Sandoval, New Mexico | 3 | $ 645,000 | $ 215,000 | $ 168,000 |
| Nassau, New York | 3 | $ 1,195,000 | $ 398,333 | $ 174,000 |
| Queens, New York | 3 | $ 1,347,000 | $ 449,000 | $ 101,000 |
| Medina, Ohio | 3 | $ 433,000 | $ 144,333 | $ 78,000 |
| Denton, Texas | 3 | $ 423,000 | $ 141,000 | $ 67,000 |
| Montgomery, Texas | 3 | $ 770,000 | $ 256,666 | $ 109,000 |
| Chittenden, Vermont | 3 | $ 510,000 | $ 170,000 | $ 90,000 |
| Prince William, Virginia | 3 | $ 801,000 | $ 267,000 | $ 105,000 |
| Calhoun, Alabama | 2 | $ 265,000 | $ 132,500 | $ 72,000 |
| Jefferson, Alabama | 2 | $ 354,000 | $ 177,000 | $ 45,000 |
| Montgomery, Alabama | 2 | $ 239,000 | $ 119,500 | $ 42,000 |
| Pulaski, Arkansas | 2 | $ 316,000 | $ 158,000 | $ 65,000 |
| Riverside, California | 2 | $ 407,000 | $ 203,500 | $ 72,000 |
| San Bernardino, California | 2 | $ 667,000 | $ 333,500 | $ 121,000 |
| Santa Clara, California | 2 | $ 454,000 | $ 227,000 | $ 138,000 |
| Ventura, California | 2 | $ 661,000 | $ 330,500 | $ 138,000 |
| Jefferson, Colorado | 2 | $ 439,000 | $ 219,500 | $ 51,000 |
| Flagler, Florida | 2 | $ 344,000 | $ 172,000 | $ 57,000 |
| Cobb, Georgia | 2 | $ 617,000 | $ 308,500 | $ 107,000 |
| Habersham, Georgia | 2 | $ 260,000 | $ 130,000 | $ 76,000 |
| Lumpkin, Georgia | 2 | $ 248,000 | $ 124,000 | $ 33,000 |
| Oconee, Georgia | 2 | $ 128,000 | $ 64,000 | $ 0 |
| Oglethorpe, Georgia | 2 | $ 83,000 | $ 41,500 | $ 110,000 |
| Sedgwick, Kansas | 2 | $ 209,000 | $ 104,500 | $ 95,000 |
| Frederick, Maryland | 2 | $ 595,000 | $ 297,500 | $ 72,000 |
| Prince George's, Maryland | 2 | $ 570,000 | $ 285,000 | $ 137,000 |
| St. Mary's, Maryland | 2 | $ 427,000 | $ 213,500 | $ 67,000 |
| Flathead, Montana | 2 | $ 834,000 | $ 417,000 | $ 66,000 |
| Lewis and Clark, Montana | 2 | $ 252,000 | $ 126,000 | $ 50,000 |
| Lancaster, Nebraska | 2 | $ 392,000 | $ 196,000 | $ 85,000 |
| Sarpy, Nebraska | 2 | $ 195,000 | $ 97,500 | $ 29,000 |
| Mercer, New Jersey | 2 | $ 390,000 | $ 195,000 | $ 77,000 |
| Monmouth, New Jersey | 2 | $ 704,000 | $ 352,000 | $ 325,000 |
| Morris, New Jersey | 2 | $ 525,000 | $ 262,500 | $ 58,000 |
| Ocean, New Jersey | 2 | $ 664,000 | $ 332,000 | $ 192,000 |
| Bronx, New York | 2 | $ 335,000 | $ 167,500 | $ 96,000 |
| Kings, New York | 2 | $ 418,000 | $ 209,000 | $ 118,000 |
| Steuben, New York | 2 | $ 154,000 | $ 77,000 | $ 64,000 |
| Suffolk, New York | 2 | $ 576,000 | $ 288,000 | $ 97,000 |
| Sullivan, New York | 2 | $ 315,000 | $ 157,500 | $ 84,000 |
| Hamilton, Ohio | 2 | $ 502,000 | $ 251,000 | $ 116,000 |
| Wayne, Ohio | 2 | $ 422,000 | $ 211,000 | $ 157,000 |
| Oklahoma, Oklahoma | 2 | $ 493,000 | $ 246,500 | $ 76,000 |
| Multnomah, Oregon | 2 | $ 348,000 | $ 174,000 | $ 77,000 |
| Allegheny, Pennsylvania | 2 | $ 447,000 | $ 223,500 | $ 133,000 |
| Delaware, Pennsylvania | 2 | $ 325,000 | $ 162,500 | $ 68,000 |
| York, Pennsylvania | 2 | $ 525,000 | $ 262,500 | $ 95,000 |
| Greenville, South Carolina | 2 | $ 303,000 | $ 151,500 | $ 32,000 |
| Richland, South Carolina | 2 | $ 400,000 | $ 200,000 | $ 110,000 |
| Dallas, Texas | 2 | $ 373,000 | $ 186,500 | $ 106,000 |
| Fort Bend, Texas | 2 | $ 266,000 | $ 133,000 | $ 60,000 |
| Travis, Texas | 2 | $ 478,000 | $ 239,000 | $ 72,000 |
| Davis, Utah | 2 | $ 421,000 | $ 210,500 | $ 72,000 |
| Iron, Utah | 2 | $ 445,000 | $ 222,500 | $ 70,000 |
| Fluvanna, Virginia | 2 | $ 240,000 | $ 120,000 | $ 55,000 |
| Henrico, Virginia | 2 | $ 462,000 | $ 231,000 | $ 86,000 |
| York, Virginia | 2 | $ 617,000 | $ 308,500 | $ 114,000 |
| King, Washington | 2 | $ 754,000 | $ 377,000 | $ 79,000 |
| Dane, Wisconsin | 2 | $ 422,000 | $ 211,000 | $ 106,000 |
| Kenosha, Wisconsin | 2 | $ 922,000 | $ 461,000 | $ 189,000 |
| Baldwin, Alabama | 1 | $ 123,000 | $ 123,000 | $ 17,000 |
| Elmore, Alabama | 1 | $ 141,000 | $ 141,000 | $ 106,000 |
| Etowah, Alabama | 1 | $ 62,000 | $ 62,000 | $ 38,000 |
| Talladega, Alabama | 1 | $ 120,000 | $ 120,000 | $ 150,000 |
| Fairbanks North Star, Alaska | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Maricopa, Arizona | 1 | $ 261,000 | $ 261,000 | $ 81,000 |
| Pima, Arizona | 1 | $ 130,000 | $ 130,000 | $ 63,000 |
| Independence, Arkansas | 1 | $ 90,000 | $ 90,000 | $ 21,000 |
| Ouachita, Arkansas | 1 | $ 62,000 | $ 62,000 | $ 66,000 |
| Poinsett, Arkansas | 1 | $ 108,000 | $ 108,000 | $ 37,000 |
| Randolph, Arkansas | 1 | $ 139,000 | $ 139,000 | $ 46,000 |
| Saline, Arkansas | 1 | $ 124,000 | $ 124,000 | $ 65,000 |
| Sebastian, Arkansas | 1 | $ 220,000 | $ 220,000 | $ 71,000 |
| Sharp, Arkansas | 1 | $ 110,000 | $ 110,000 | $ 71,000 |
| Alameda, California | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Lake, California | 1 | $ 360,000 | $ 360,000 | $ 122,000 |
| Madera, California | 1 | $ 204,000 | $ 204,000 | $ 53,000 |
| Merced, California | 1 | $ 130,000 | $ 130,000 | $ 122,000 |
| San Joaquin, California | 1 | $ 272,000 | $ 272,000 | $ 100,000 |
| San Luis Obispo, California | 1 | $ 248,000 | $ 248,000 | $ 58,000 |
| San Mateo, California | 1 | $ 370,000 | $ 370,000 | $ 240,000 |
| Solano, California | 1 | $ 285,000 | $ 285,000 | $ 80,000 |
| Boulder, Colorado | 1 | $ 308,000 | $ 308,000 | $ 146,000 |
| Denver, Colorado | 1 | $ 256,000 | $ 256,000 | $ 76,000 |
| El Paso, Colorado | 1 | $ 214,000 | $ 214,000 | $ 72,000 |
| Larimer, Colorado | 1 | $ 139,000 | $ 139,000 | $ 29,000 |
| Teller, Colorado | 1 | $ 245,000 | $ 245,000 | $ 75,000 |
| Fairfield, Connecticut | 1 | $ 316,000 | $ 316,000 | $ 120,000 |
| Hartford, Connecticut | 1 | $ 180,000 | $ 180,000 | $ 72,000 |
| Middlesex, Connecticut | 1 | $ 312,000 | $ 312,000 | $ 145,000 |
| Tolland, Connecticut | 1 | $ 113,000 | $ 113,000 | $ 27,000 |
| New Castle, Delaware | 1 | $ 160,000 | $ 160,000 | $ 32,000 |
| Sussex, Delaware | 1 | $ 274,000 | $ 274,000 | $ 101,000 |
| Baker, Florida | 1 | $ 170,000 | $ 170,000 | $ 16,000 |
| Bay, Florida | 1 | $ 212,000 | $ 212,000 | $ 110,000 |
| Clay, Florida | 1 | $ 35,000 | $ 35,000 | $ 102,000 |
| Hillsborough, Florida | 1 | $ 277,000 | $ 277,000 | $ 27,000 |
| Miami-Dade, Florida | 1 | $ 403,000 | $ 403,000 | $ 298,000 |
| Palm Beach, Florida | 1 | $ 104,000 | $ 104,000 | $ 72,000 |
| Pinellas, Florida | 1 | $ 90,000 | $ 90,000 | $ 100,000 |
| Seminole, Florida | 1 | $ 294,000 | $ 294,000 | $ 223,000 |
| Banks, Georgia | 1 | $ 185,000 | $ 185,000 | $ 114,000 |
| Barrow, Georgia | 1 | $ 130,000 | $ 130,000 | $ 30,000 |
| Cherokee, Georgia | 1 | $ 200,000 | $ 200,000 | $ 54,000 |
| Dawson, Georgia | 1 | $ 72,000 | $ 72,000 | $ 66,000 |
| Emanuel, Georgia | 1 | $ 247,000 | $ 247,000 | $ 89,000 |
| Gilmer, Georgia | 1 | $ 92,000 | $ 92,000 | $ 62,000 |
| Henry, Georgia | 1 | $ 168,000 | $ 168,000 | $ 72,000 |
| Houston, Georgia | 1 | $ 123,000 | $ 123,000 | $ 156,000 |
| Madison, Georgia | 1 | $ 166,000 | $ 166,000 | $ 63,000 |
| Newton, Georgia | 1 | $ 125,000 | $ 125,000 | $ 90,000 |
| Rockdale, Georgia | 1 | $ 185,000 | $ 185,000 | $ 84,000 |
| Twiggs, Georgia | 1 | $ 87,000 | $ 87,000 | $ 30,000 |
| White, Georgia | 1 | $ 39,000 | $ 39,000 | $ 71,000 |
| Kootenai, Idaho | 1 | $ 304,000 | $ 304,000 | $ 103,000 |
| Henderson, Illinois | 1 | $ 68,000 | $ 68,000 | $ 43,000 |
| Lake, Illinois | 1 | $ 341,000 | $ 341,000 | $ 158,000 |
| Madison, Illinois | 1 | $ 158,000 | $ 158,000 | $ 65,000 |
| Johnson, Indiana | 1 | $ 100,000 | $ 100,000 | $ 68,000 |
| Lake, Indiana | 1 | $ 340,000 | $ 340,000 | $ 218,000 |
| Lawrence, Indiana | 1 | $ 200,000 | $ 200,000 | $ 106,000 |
| Noble, Indiana | 1 | $ 200,000 | $ 200,000 | $ 62,000 |
| Whitley, Indiana | 1 | $ 182,000 | $ 182,000 | $ 99,000 |
| Johnson, Iowa | 1 | $ 300,000 | $ 300,000 | $ 136,000 |
| Marshall, Iowa | 1 | $ 102,000 | $ 102,000 | $ 45,000 |
| Polk, Iowa | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Butler, Kansas | 1 | $ 75,000 | $ 75,000 | $ 154,000 |
| Dickinson, Kansas | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Labette, Kansas | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Leavenworth, Kansas | 1 | $ 110,000 | $ 110,000 | $ 38,000 |
| Lyon, Kansas | 1 | $ 122,000 | $ 122,000 | $ 112,000 |
| Riley, Kansas | 1 | $ 40,000 | $ 40,000 | $ 41,000 |
| Saline, Kansas | 1 | $ 116,000 | $ 116,000 | $ 71,000 |
| Bourbon, Kentucky | 1 | $ 98,000 | $ 98,000 | $ 37,000 |
| Grant, Kentucky | 1 | $ 320,000 | $ 320,000 | $ 200,000 |
| Henderson, Kentucky | 1 | $ 250,000 | $ 250,000 | $ 125,000 |
| Acadia, Louisiana | 1 | $ 86,000 | $ 86,000 | $ 66,000 |
| Ascension, Louisiana | 1 | $ 244,000 | $ 244,000 | $ 65,000 |
| Caddo, Louisiana | 1 | $ 240,000 | $ 240,000 | $ 58,000 |
| Calcasieu, Louisiana | 1 | $ 152,000 | $ 152,000 | $ 165,000 |
| East Feliciana, Louisiana | 1 | $ 417,000 | $ 417,000 | $ 95,000 |
| Lafayette, Louisiana | 1 | $ 152,000 | $ 152,000 | $ 45,000 |
| Lafourche, Louisiana | 1 | $ 176,000 | $ 176,000 | $ 60,000 |
| Orleans, Louisiana | 1 | $ 248,000 | $ 248,000 | $ 96,000 |
| Ouachita, Louisiana | 1 | $ 130,000 | $ 130,000 | $ 96,000 |
| St. James, Louisiana | 1 | $ 80,000 | $ 80,000 | $ 60,000 |
| St. John the Baptist, Louisiana | 1 | $ 224,000 | $ 224,000 | $ 62,000 |
| Webster, Louisiana | 1 | $ 164,000 | $ 164,000 | $ 90,000 |
| Cumberland, Maine | 1 | $ 296,000 | $ 296,000 | $ 110,000 |
| Anne Arundel, Maryland | 1 | $ 281,000 | $ 281,000 | $ 60,000 |
| Bristol, Massachusetts | 1 | $ 325,000 | $ 325,000 | $ 109,000 |
| Plymouth, Massachusetts | 1 | $ 314,000 | $ 314,000 | $ 94,000 |
| Suffolk, Massachusetts | 1 | $ 417,000 | $ 417,000 | $ 268,000 |
| Worcester, Massachusetts | 1 | $ 280,000 | $ 280,000 | $ 89,000 |
| Calhoun, Michigan | 1 | $ 250,000 | $ 250,000 | $ 21,000 |
| Genesee, Michigan | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Houghton, Michigan | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Ingham, Michigan | 1 | $ 214,000 | $ 214,000 | $ 93,000 |
| Iosco, Michigan | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| Leelanau, Michigan | 1 | $ 300,000 | $ 300,000 | $ 150,000 |
| Oakland, Michigan | 1 | $ 315,000 | $ 315,000 | $ 145,000 |
| Ottawa, Michigan | 1 | $ 151,000 | $ 151,000 | $ 140,000 |
| St. Clair, Michigan | 1 | $ 95,000 | $ 95,000 | $ 34,000 |
| Washtenaw, Michigan | 1 | $ 138,000 | $ 138,000 | $ 100,000 |
| Dakota, Minnesota | 1 | $ 303,000 | $ 303,000 | $ 240,000 |
| Isanti, Minnesota | 1 | $ 171,000 | $ 171,000 | $ 65,000 |
| Ramsey, Minnesota | 1 | $ 192,000 | $ 192,000 | $ 31,000 |
| St. Louis, Minnesota | 1 | $ 90,000 | $ 90,000 | $ 37,000 |
| Hancock, Mississippi | 1 | $ 125,000 | $ 125,000 | $ 21,000 |
| Lamar, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Lauderdale, Mississippi | 1 | $ 131,000 | $ 131,000 | $ 300,000 |
| Lee, Mississippi | 1 | $ 417,000 | $ 417,000 | $ 118,000 |
| Rankin, Mississippi | 1 | $ 185,000 | $ 185,000 | $ 64,000 |
| Stone, Mississippi | 1 | $ 201,000 | $ 201,000 | $ 120,000 |
| Washington, Mississippi | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
| Buchanan, Missouri | 1 | $ 200,000 | $ 200,000 | $ 104,000 |
| Clay, Missouri | 1 | $ 218,000 | $ 218,000 | $ 101,000 |
| Greene, Missouri | 1 | $ 81,000 | $ 81,000 | $ 55,000 |
| Jackson, Missouri | 1 | $ 260,000 | $ 260,000 | $ 85,000 |
| Jasper, Missouri | 1 | $ 66,000 | $ 66,000 | $ 41,000 |
| Oregon, Missouri | 1 | $ 80,000 | $ 80,000 | $ 18,000 |
| St. Louis, Missouri | 1 | $ 80,000 | $ 80,000 | $ 20,000 |
| Beaverhead, Montana | 1 | $ 204,000 | $ 204,000 | $ 99,000 |
| Deer Lodge, Montana | 1 | $ 400,000 | $ 400,000 | $ 100,000 |
| Gallatin, Montana | 1 | $ 168,000 | $ 168,000 | $ 84,000 |
| Park, Montana | 1 | $ 240,000 | $ 240,000 | $ 150,000 |
| Burt, Nebraska | 1 | $ 100,000 | $ 100,000 | $ 96,000 |
| Dodge, Nebraska | 1 | $ 128,000 | $ 128,000 | $ 100,000 |
| Douglas, Nebraska | 1 | $ 162,000 | $ 162,000 | $ 101,000 |
| Douglas, Nevada | 1 | $ 150,000 | $ 150,000 | $ 70,000 |
| Carroll, New Hampshire | 1 | $ 200,000 | $ 200,000 | $ 96,000 |
| Cheshire, New Hampshire | 1 | $ 171,000 | $ 171,000 | $ 135,000 |
| Merrimack, New Hampshire | 1 | $ 300,000 | $ 300,000 | $ 120,000 |
| Atlantic, New Jersey | 1 | $ 295,000 | $ 295,000 | $ 80,000 |
| Hudson, New Jersey | 1 | $ 343,000 | $ 343,000 | $ 48,000 |
| Salem, New Jersey | 1 | $ 207,000 | $ 207,000 | $ 123,000 |
| Valencia, New Mexico | 1 | $ 253,000 | $ 253,000 | $ 75,000 |
| Albany, New York | 1 | $ 98,000 | $ 98,000 | $ 40,000 |
| Broome, New York | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Cattaraugus, New York | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
| Erie, New York | 1 | $ 63,000 | $ 63,000 | $ 120,000 |
| Fulton, New York | 1 | $ 225,000 | $ 225,000 | $ 115,000 |
| New York, New York | 1 | $ 400,000 | $ 400,000 | $ 111,000 |
| Oneida, New York | 1 | $ 155,000 | $ 155,000 | $ 105,000 |
| Ontario, New York | 1 | $ 88,000 | $ 88,000 | $ 46,000 |
| Otsego, New York | 1 | $ 40,000 | $ 40,000 | $ 21,000 |
| Putnam, New York | 1 | $ 275,000 | $ 275,000 | $ 97,000 |
| Rockland, New York | 1 | $ 405,000 | $ 405,000 | $ 165,000 |
| Saratoga, New York | 1 | $ 230,000 | $ 230,000 | $ 113,000 |
| Westchester, New York | 1 | $ 380,000 | $ 380,000 | $ 209,000 |
| Durham, North Carolina | 1 | $ 380,000 | $ 380,000 | $ 372,000 |
| Halifax, North Carolina | 1 | $ 170,000 | $ 170,000 | $ 60,000 |
| Hoke, North Carolina | 1 | $ 193,000 | $ 193,000 | $ 70,000 |
| Johnston, North Carolina | 1 | $ 317,000 | $ 317,000 | $ 158,000 |
| Mecklenburg, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 44,000 |
| Orange, North Carolina | 1 | $ 150,000 | $ 150,000 | $ 105,000 |
| Pitt, North Carolina | 1 | $ 107,000 | $ 107,000 | $ 30,000 |
| Transylvania, North Carolina | 1 | $ 410,000 | $ 410,000 | $ 111,000 |
| Wake, North Carolina | 1 | $ 286,000 | $ 286,000 | $ 90,000 |
| Wilson, North Carolina | 1 | $ 310,000 | $ 310,000 | $ 178,000 |
| Allen, Ohio | 1 | $ 75,000 | $ 75,000 | $ 263,000 |
| Ashland, Ohio | 1 | $ 60,000 | $ 60,000 | $ 16,000 |
| Cuyahoga, Ohio | 1 | $ 88,000 | $ 88,000 | $ 47,000 |
| Franklin, Ohio | 1 | $ 137,000 | $ 137,000 | $ 48,000 |
| Hardin, Ohio | 1 | $ 105,000 | $ 105,000 | $ 118,000 |
| Lawrence, Ohio | 1 | $ 109,000 | $ 109,000 | $ 100,000 |
| Licking, Ohio | 1 | $ 68,000 | $ 68,000 | $ 33,000 |
| Lorain, Ohio | 1 | $ 300,000 | $ 300,000 | $ 198,000 |
| Mahoning, Ohio | 1 | $ 198,000 | $ 198,000 | $ 45,000 |
| Paulding, Ohio | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Portage, Ohio | 1 | $ 180,000 | $ 180,000 | $ 55,000 |
| Seneca, Ohio | 1 | $ 85,000 | $ 85,000 | $ 87,000 |
| Stark, Ohio | 1 | $ 75,000 | $ 75,000 | $ 57,000 |
| Warren, Ohio | 1 | $ 71,000 | $ 71,000 | $ 80,000 |
| Delaware, Oklahoma | 1 | $ 20,000 | $ 20,000 | $ 74,000 |
| Kay, Oklahoma | 1 | $ 146,000 | $ 146,000 | $ 111,000 |
| Tulsa, Oklahoma | 1 | $ 112,000 | $ 112,000 | $ 168,000 |
| Linn, Oregon | 1 | $ 106,000 | $ 106,000 | $ 25,000 |
| Chester, Pennsylvania | 1 | $ 360,000 | $ 360,000 | $ 115,000 |
| Columbia, Pennsylvania | 1 | $ 76,000 | $ 76,000 | $ 45,000 |
| Dauphin, Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 17,000 |
| Fayette, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Lackawanna, Pennsylvania | 1 | $ 219,000 | $ 219,000 | $ 85,000 |
| Mercer, Pennsylvania | 1 | $ 270,000 | $ 270,000 | $ 237,000 |
| Philadelphia, Pennsylvania | 1 | $ 336,000 | $ 336,000 | $ 142,000 |
| Westmoreland, Pennsylvania | 1 | $ 300,000 | $ 300,000 | $ 123,000 |
| Bristol, Rhode Island | 1 | $ 258,000 | $ 258,000 | $ 48,000 |
| Charleston, South Carolina | 1 | $ 315,000 | $ 315,000 | $ 104,000 |
| Dorchester, South Carolina | 1 | $ 80,000 | $ 80,000 | $ 87,000 |
| York, South Carolina | 1 | $ 153,000 | $ 153,000 | $ 64,000 |
| Pennington, South Dakota | 1 | $ 417,000 | $ 417,000 | $ 423,000 |
| Davidson, Tennessee | 1 | $ 252,000 | $ 252,000 | $ 68,000 |
| Greene, Tennessee | 1 | $ 160,000 | $ 160,000 | $ 68,000 |
| Robertson, Tennessee | 1 | $ 208,000 | $ 208,000 | $ 48,000 |
| Sevier, Tennessee | 1 | $ 356,000 | $ 356,000 | $ 114,000 |
| Sumner, Tennessee | 1 | $ 417,000 | $ 417,000 | $ 240,000 |
| Bell, Texas | 1 | $ 130,000 | $ 130,000 | $ 58,000 |
| Cameron, Texas | 1 | $ 102,000 | $ 102,000 | $ 118,000 |
| Chambers, Texas | 1 | $ 228,000 | $ 228,000 | $ 84,000 |
| Collin, Texas | 1 | $ 94,000 | $ 94,000 | $ 110,000 |
| El Paso, Texas | 1 | $ 119,000 | $ 119,000 | $ 63,000 |
| Johnson, Texas | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Llano, Texas | 1 | $ 104,000 | $ 104,000 | $ 38,000 |
| McLennan, Texas | 1 | $ 164,000 | $ 164,000 | $ 60,000 |
| Midland, Texas | 1 | $ 417,000 | $ 417,000 | $ 568,000 |
| Victoria, Texas | 1 | $ 63,000 | $ 63,000 | $ 48,000 |
| Utah, Utah | 1 | $ 110,000 | $ 110,000 | $ 33,000 |
| Wasatch, Utah | 1 | $ 232,000 | $ 232,000 | $ 55,000 |
| Washington, Utah | 1 | $ 175,000 | $ 175,000 | $ 40,000 |
| Franklin, Vermont | 1 | $ 107,000 | $ 107,000 | $ 53,000 |
| Windham, Vermont | 1 | $ 170,000 | $ 170,000 | $ 38,000 |
| Alexandria, Virginia | 1 | $ 350,000 | $ 350,000 | $ 107,000 |
| Charlottesville, Virginia | 1 | $ 106,000 | $ 106,000 | $ 198,000 |
| Chesapeake, Virginia | 1 | $ 180,000 | $ 180,000 | $ 62,000 |
| Dinwiddie, Virginia | 1 | $ 415,000 | $ 415,000 | $ 77,000 |
| Fauquier, Virginia | 1 | $ 220,000 | $ 220,000 | $ 78,000 |
| King George, Virginia | 1 | $ 195,000 | $ 195,000 | $ 95,000 |
| King William, Virginia | 1 | $ 220,000 | $ 220,000 | $ 100,000 |
| Loudoun, Virginia | 1 | $ 182,000 | $ 182,000 | $ 201,000 |
| Asotin, Washington | 1 | $ 413,000 | $ 413,000 | $ 400,000 |
| Kitsap, Washington | 1 | $ 150,000 | $ 150,000 | $ 68,000 |
| Kittitas, Washington | 1 | $ 265,000 | $ 265,000 | $ 70,000 |
| Pacific, Washington | 1 | $ 195,000 | $ 195,000 | $ 90,000 |
| Pierce, Washington | 1 | $ 266,000 | $ 266,000 | $ 60,000 |
| San Juan, Washington | 1 | $ 312,000 | $ 312,000 | $ 258,000 |
| Spokane, Washington | 1 | $ 100,000 | $ 100,000 | $ 38,000 |
| Whatcom, Washington | 1 | $ 350,000 | $ 350,000 | $ 142,000 |
| Cabell, West Virginia | 1 | $ 35,000 | $ 35,000 | $ 21,000 |
| Jefferson, West Virginia | 1 | $ 284,000 | $ 284,000 | $ 94,000 |
| Marion, West Virginia | 1 | $ 108,000 | $ 108,000 | $ 42,000 |
| Monongalia, West Virginia | 1 | $ 157,000 | $ 157,000 | $ 43,000 |
| Adams, Wisconsin | 1 | $ 223,000 | $ 223,000 | $ 76,000 |
| Forest, Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 79,000 |
| Marquette, Wisconsin | 1 | $ 137,000 | $ 137,000 | $ 95,000 |
| Racine, Wisconsin | 1 | $ 177,000 | $ 177,000 | $ 89,000 |
| Sauk, Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 165,000 |
| Hot Springs, Wyoming | 1 | $ 134,000 | $ 134,000 | $ 85,000 |
| Natrona, Wyoming | 1 | $ 225,000 | $ 225,000 | $ 78,000 |
| Sweetwater, Wyoming | 1 | $ 143,000 | $ 143,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for First Century Bank, National Association in 2008
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 | 333 | $62,679,000 | $188,000 | $680,000 | $89,000 | $547,000 |
| Refinancing | 329 | $70,417,000 | $214,000 | $881,000 | $97,000 | $964,000 |
| Home Improvement | 5 | $107,000 | $21,000 | $50,000 | $73,000 | $100,000 |
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 | 371 | $70,935,000 | $191,000 | $700,000 | $95,000 | $964,000 |
| Not Provided | 188 | $39,676,000 | $211,000 | $520,000 | $94,000 | $568,000 |
| Asian | 43 | $11,452,000 | $266,000 | $499,000 | $102,000 | $200,000 |
| Hispanic | 24 | $4,927,000 | $205,000 | $417,000 | $97,000 | $423,000 |
| Black or African American | 23 | $3,063,000 | $133,000 | $225,000 | $76,000 | $263,000 |
| Not applicable | 10 | $1,760,000 | $176,000 | $881,000 | $0 | $0 |
| American Indian or Alaskan Native | 6 | $903,000 | $150,000 | $303,000 | $88,000 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $487,000 | $243,000 | $417,000 | $98,000 | $118,000 |
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) | 614 | $125,103,000 | $203,000 | $881,000 | $95,000 | $964,000 |
| FHA-insured (Federal Housing Administration) | 52 | $8,000,000 | $153,000 | $629,000 | $67,000 | $336,000 |
| VA-guaranteed (Veterans Administration) | 1 | $100,000 | $100,000 | $100,000 | $41,000 | $41,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 226 | $45,498,000 | $201,000 | $881,000 | $97,000 | $547,000 |
| Application Denied By Financial Institution | 164 | $28,048,000 | $171,000 | $629,000 | $76,000 | $423,000 |
| Application Withdrawn By Applicant | 147 | $33,810,000 | $230,000 | $520,000 | $110,000 | $964,000 |
| File Closed For Incompleteness | 87 | $19,462,000 | $223,000 | $700,000 | $94,000 | $493,000 |
| Preapproval Denied by Financial Institution | 37 | $4,782,000 | $129,000 | $280,000 | $69,000 | $336,000 |
| Application Approved But Not Accepted | 4 | $1,131,000 | $282,000 | $406,000 | $134,000 | $252,000 |
| Preapproval Approved but not Accepted | 2 | $472,000 | $236,000 | $300,000 | $87,000 | $97,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 60 | $7,278,000 | $121,000 | $629,000 | $65,000 | $336,000 |
| Credit History | 49 | $7,935,000 | $161,000 | $417,000 | $76,000 | $423,000 |
| Collateral | 43 | $8,957,000 | $208,000 | $460,000 | $93,000 | $298,000 |
| Debt-To-Income Ratio | 23 | $4,280,000 | $186,000 | $388,000 | $73,000 | $246,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,488,000 | $135,000 | $250,000 | $64,000 | $150,000 |
| Unverifiable Information | 7 | $1,595,000 | $227,000 | $417,000 | $59,000 | $88,000 |
| Employment History | 4 | $614,000 | $153,000 | $269,000 | $52,000 | $90,000 |
| Credit Application Incomplete | 2 | $438,000 | $219,000 | $238,000 | $108,000 | $115,000 |
| Mortgage Insurance Denied | 2 | $245,000 | $122,000 | $130,000 | $40,000 | $52,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Century Bank, National Association's 2008 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 Century Bank, National Association'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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with aggregated HMDA statistics today.
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