First Century Bank, National Association Mortgage Lending & HMDA Data, 2009

In 2009, First Century Bank, National Association of Gainesville, GA reported 1,077 mortgage applications totaling $219.6 million, up 61% from 2008. The average application was for $203,937, and applicants reported an average income of $101,455. 60% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (190), Gainesville, GA (44) 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 1,077
Total Mortgage Loan Application Amount $219,641,000
Average Mortgage Loan Application Amount $203,937
Highest Mortgage Loan Application Amount $512,000
Average Applicant Income $101,455
Highest Applicant Income $1,217,000

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Century Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for First Century Bank, National Association by County in 2009

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Hall, Georgia 44 $ 6,496,000 $ 147,636 $ 64,000
Fulton, Georgia 42 $ 10,108,000 $ 240,666 $ 115,000
Cobb, Georgia 32 $ 6,392,000 $ 199,750 $ 101,000
Gwinnett, Georgia 32 $ 5,746,000 $ 179,562 $ 76,000
Forsyth, Georgia 28 $ 6,363,000 $ 227,250 $ 114,000
Cherokee, Georgia 19 $ 3,647,000 $ 191,947 $ 87,000
DeKalb, Georgia 18 $ 3,499,000 $ 194,388 $ 87,000
Los Angeles, California 16 $ 4,166,000 $ 260,375 $ 101,000
Jackson, Georgia 15 $ 2,379,000 $ 158,600 $ 79,000
Maricopa, Arizona 11 $ 2,882,000 $ 262,000 $ 106,000
Wake, North Carolina 11 $ 2,651,000 $ 241,000 $ 93,000
King, Washington 11 $ 3,253,000 $ 295,727 $ 194,000
Sacramento, California 10 $ 2,229,000 $ 222,900 $ 90,000
Middlesex, Massachusetts 10 $ 2,017,000 $ 201,700 $ 113,000
Orange, California 9 $ 2,763,000 $ 307,000 $ 141,000
Clark, Nevada 9 $ 1,653,000 $ 183,666 $ 80,000
Alameda, California 8 $ 2,317,000 $ 289,625 $ 148,000
Riverside, California 7 $ 1,528,000 $ 218,285 $ 89,000
Multnomah, Oregon 7 $ 1,681,000 $ 240,142 $ 93,000
Harris, Texas 7 $ 1,454,000 $ 207,714 $ 121,000
Salt Lake, Utah 7 $ 1,560,000 $ 222,857 $ 102,000
San Diego, California 6 $ 1,850,000 $ 308,333 $ 122,000
Jefferson, Colorado 6 $ 1,606,000 $ 267,666 $ 99,000
New London, Connecticut 6 $ 1,631,000 $ 271,833 $ 112,000
Cook, Illinois 6 $ 1,349,000 $ 224,833 $ 104,000
Oakland, Michigan 6 $ 1,403,000 $ 233,833 $ 121,000
Washington, Minnesota 6 $ 1,317,000 $ 219,500 $ 134,000
St. Louis, Missouri 6 $ 952,000 $ 158,666 $ 96,000
Clarke, Georgia 5 $ 682,000 $ 136,400 $ 70,000
Baltimore, Maryland 5 $ 1,042,000 $ 208,400 $ 78,000
Douglas, Nebraska 5 $ 948,000 $ 189,600 $ 99,000
Washoe, Nevada 5 $ 839,000 $ 167,800 $ 70,000
Bergen, New Jersey 5 $ 1,414,000 $ 282,800 $ 110,000
Monmouth, New Jersey 5 $ 1,412,000 $ 282,400 $ 284,000
Bernalillo, New Mexico 5 $ 895,000 $ 179,000 $ 106,000
Cuyahoga, Ohio 5 $ 1,011,000 $ 202,200 $ 121,000
Franklin, Ohio 5 $ 678,000 $ 135,600 $ 109,000
Utah, Utah 5 $ 1,418,000 $ 283,600 $ 178,000
Fairfax, Virginia 5 $ 1,401,000 $ 280,200 $ 128,000
Pierce, Washington 5 $ 1,603,000 $ 320,600 $ 142,000
Pulaski, Arkansas 4 $ 816,000 $ 204,000 $ 120,000
El Paso, Colorado 4 $ 1,027,000 $ 256,750 $ 75,000
New Haven, Connecticut 4 $ 1,182,000 $ 295,500 $ 136,000
Walton, Georgia 4 $ 545,000 $ 136,250 $ 111,000
Jefferson, Kentucky 4 $ 794,000 $ 198,500 $ 72,000
Jefferson, Louisiana 4 $ 565,000 $ 141,250 $ 117,000
Anne Arundel, Maryland 4 $ 1,210,000 $ 302,500 $ 123,000
Essex, Massachusetts 4 $ 877,000 $ 219,250 $ 101,000
Washtenaw, Michigan 4 $ 828,000 $ 207,000 $ 87,000
Wayne, Michigan 4 $ 700,000 $ 175,000 $ 112,000
Hennepin, Minnesota 4 $ 575,000 $ 143,750 $ 85,000
Middlesex, New Jersey 4 $ 1,130,000 $ 282,500 $ 130,000
Union, North Carolina 4 $ 931,000 $ 232,750 $ 80,000
Summit, Ohio 4 $ 920,000 $ 230,000 $ 124,000
Tulsa, Oklahoma 4 $ 415,000 $ 103,750 $ 86,000
Allegheny, Pennsylvania 4 $ 644,000 $ 161,000 $ 85,000
Montgomery, Pennsylvania 4 $ 1,060,000 $ 265,000 $ 144,000
Providence, Rhode Island 4 $ 760,000 $ 190,000 $ 62,000
Collin, Texas 4 $ 1,204,000 $ 301,000 $ 181,000
Fort Bend, Texas 4 $ 753,000 $ 188,250 $ 133,000
Tarrant, Texas 4 $ 818,000 $ 204,500 $ 112,000
Henrico, Virginia 4 $ 533,000 $ 133,250 $ 52,000
Madison, Alabama 3 $ 597,000 $ 199,000 $ 145,000
San Bernardino, California 3 $ 620,000 $ 206,666 $ 114,000
Hartford, Connecticut 3 $ 505,000 $ 168,333 $ 190,000
District of Columbia, District Of Columbia 3 $ 797,000 $ 265,666 $ 142,000
Fayette, Georgia 3 $ 571,000 $ 190,333 $ 130,000
Houston, Georgia 3 $ 453,000 $ 151,000 $ 63,000
Oconee, Georgia 3 $ 353,000 $ 117,666 $ 65,000
DuPage, Illinois 3 $ 666,000 $ 222,000 $ 77,000
Kane, Illinois 3 $ 848,000 $ 282,666 $ 120,000
Marion, Indiana 3 $ 528,000 $ 176,000 $ 73,000
St. Joseph, Indiana 3 $ 303,000 $ 101,000 $ 122,000
St. Tammany, Louisiana 3 $ 437,000 $ 145,666 $ 109,000
Cumberland, Maine 3 $ 728,000 $ 242,666 $ 94,000
Frederick, Maryland 3 $ 712,000 $ 237,333 $ 73,000
Bristol, Massachusetts 3 $ 692,000 $ 230,666 $ 116,000
Worcester, Massachusetts 3 $ 754,000 $ 251,333 $ 158,000
Missoula, Montana 3 $ 492,000 $ 164,000 $ 114,000
Hillsborough, New Hampshire 3 $ 545,000 $ 181,666 $ 116,000
Cape May, New Jersey 3 $ 685,000 $ 228,333 $ 105,000
Mercer, New Jersey 3 $ 615,000 $ 205,000 $ 99,000
Suffolk, New York 3 $ 884,000 $ 294,666 $ 119,000
Catawba, North Carolina 3 $ 239,000 $ 79,666 $ 19,000
Guilford, North Carolina 3 $ 610,000 $ 203,333 $ 69,000
Mecklenburg, North Carolina 3 $ 744,000 $ 248,000 $ 94,000
Bucks, Pennsylvania 3 $ 884,000 $ 294,666 $ 131,000
Chester, Pennsylvania 3 $ 746,000 $ 248,666 $ 177,000
Northampton, Pennsylvania 3 $ 622,000 $ 207,333 $ 61,000
Philadelphia, Pennsylvania 3 $ 674,000 $ 224,666 $ 109,000
Lexington, South Carolina 3 $ 561,000 $ 187,000 $ 73,000
Brazoria, Texas 3 $ 564,000 $ 188,000 $ 108,000
Clark, Washington 3 $ 536,000 $ 178,666 $ 50,000
Etowah, Alabama 2 $ 118,000 $ 59,000 $ 39,000
Navajo, Arizona 2 $ 215,000 $ 107,500 $ 76,000
Pima, Arizona 2 $ 212,000 $ 106,000 $ 121,000
Yavapai, Arizona 2 $ 220,000 $ 110,000 $ 71,000
Clay, Arkansas 2 $ 593,000 $ 296,500 $ 133,000
Garland, Arkansas 2 $ 346,000 $ 173,000 $ 174,000
Del Norte, California 2 $ 767,000 $ 383,500 $ 211,000
Lake, California 2 $ 193,000 $ 96,500 $ 38,000
Placer, California 2 $ 594,000 $ 297,000 $ 100,000
Santa Clara, California 2 $ 615,000 $ 307,500 $ 96,000
Ventura, California 2 $ 377,000 $ 188,500 $ 116,000
Boulder, Colorado 2 $ 575,000 $ 287,500 $ 150,000
Larimer, Colorado 2 $ 632,000 $ 316,000 $ 90,000
Weld, Colorado 2 $ 237,000 $ 118,500 $ 81,000
Banks, Georgia 2 $ 278,000 $ 139,000 $ 113,000
Douglas, Georgia 2 $ 361,000 $ 180,500 $ 66,000
Franklin, Georgia 2 $ 232,000 $ 116,000 $ 85,000
Habersham, Georgia 2 $ 232,000 $ 116,000 $ 39,000
Henry, Georgia 2 $ 200,000 $ 100,000 $ 38,000
Oglethorpe, Georgia 2 $ 230,000 $ 115,000 $ 46,000
Paulding, Georgia 2 $ 424,000 $ 212,000 $ 27,000
Rabun, Georgia 2 $ 607,000 $ 303,500 $ 105,000
Troup, Georgia 2 $ 282,000 $ 141,000 $ 36,000
Wilkes, Georgia 2 $ 114,000 $ 57,000 $ 43,000
Ada, Idaho 2 $ 349,000 $ 174,500 $ 30,000
Will, Illinois 2 $ 533,000 $ 266,500 $ 74,000
LaPorte, Indiana 2 $ 215,000 $ 107,500 $ 59,000
Johnson, Kansas 2 $ 482,000 $ 241,000 $ 124,000
Hardin, Kentucky 2 $ 382,000 $ 191,000 $ 126,000
Bossier, Louisiana 2 $ 227,000 $ 113,500 $ 79,000
East Baton Rouge, Louisiana 2 $ 387,000 $ 193,500 $ 95,000
Livingston, Louisiana 2 $ 339,000 $ 169,500 $ 104,000
Howard, Maryland 2 $ 502,000 $ 251,000 $ 129,000
Montgomery, Maryland 2 $ 515,000 $ 257,500 $ 198,000
Prince George's, Maryland 2 $ 353,000 $ 176,500 $ 77,000
Barnstable, Massachusetts 2 $ 585,000 $ 292,500 $ 135,000
Plymouth, Massachusetts 2 $ 727,000 $ 363,500 $ 127,000
Macomb, Michigan 2 $ 301,000 $ 150,500 $ 106,000
Wexford, Michigan 2 $ 327,000 $ 163,500 $ 123,000
Harrison, Mississippi 2 $ 195,000 $ 97,500 $ 118,000
Rockingham, New Hampshire 2 $ 365,000 $ 182,500 $ 52,000
Burlington, New Jersey 2 $ 620,000 $ 310,000 $ 118,000
Passaic, New Jersey 2 $ 449,000 $ 224,500 $ 126,000
Somerset, New Jersey 2 $ 639,000 $ 319,500 $ 98,000
Eddy, New Mexico 2 $ 321,000 $ 160,500 $ 69,000
Dutchess, New York 2 $ 462,000 $ 231,000 $ 86,000
Nassau, New York 2 $ 490,000 $ 245,000 $ 94,000
Orange, New York 2 $ 355,000 $ 177,500 $ 62,000
Richmond, New York 2 $ 540,000 $ 270,000 $ 70,000
Cabarrus, North Carolina 2 $ 374,000 $ 187,000 $ 75,000
Cumberland, North Carolina 2 $ 511,000 $ 255,500 $ 149,000
Durham, North Carolina 2 $ 553,000 $ 276,500 $ 145,000
Hamilton, Ohio 2 $ 462,000 $ 231,000 $ 148,000
Kingfisher, Oklahoma 2 $ 209,000 $ 104,500 $ 73,000
Lackawanna, Pennsylvania 2 $ 232,000 $ 116,000 $ 107,000
Washington, Rhode Island 2 $ 337,000 $ 168,500 $ 169,000
Clarendon, South Carolina 2 $ 173,000 $ 86,500 $ 52,000
Pickens, South Carolina 2 $ 591,000 $ 295,500 $ 228,000
Richland, South Carolina 2 $ 275,000 $ 137,500 $ 86,000
Knox, Tennessee 2 $ 351,000 $ 175,500 $ 76,000
Shelby, Tennessee 2 $ 527,000 $ 263,500 $ 141,000
Dallas, Texas 2 $ 312,000 $ 156,000 $ 66,000
Denton, Texas 2 $ 375,000 $ 187,500 $ 81,000
Montgomery, Texas 2 $ 669,000 $ 334,500 $ 110,000
Rockwall, Texas 2 $ 362,000 $ 181,000 $ 55,000
Travis, Texas 2 $ 286,000 $ 143,000 $ 60,000
Williamson, Texas 2 $ 302,000 $ 151,000 $ 66,000
Washington, Utah 2 $ 409,000 $ 204,500 $ 79,000
Loudoun, Virginia 2 $ 547,000 $ 273,500 $ 631,000
Benton, Washington 2 $ 550,000 $ 275,000 $ 120,000
Snohomish, Washington 2 $ 592,000 $ 296,000 $ 73,000
Spokane, Washington 2 $ 193,000 $ 96,500 $ 108,000
Thurston, Washington 2 $ 388,000 $ 194,000 $ 92,000
Greenbrier, West Virginia 2 $ 257,000 $ 128,500 $ 67,000
Raleigh, West Virginia 2 $ 160,000 $ 80,000 $ 28,000
Waukesha, Wisconsin 2 $ 478,000 $ 239,000 $ 67,000
Laramie, Wyoming 2 $ 436,000 $ 218,000 $ 104,000
Baldwin, Alabama 1 $ 111,000 $ 111,000 $ 84,000
Chilton, Alabama 1 $ 125,000 $ 125,000 $ 52,000
Elmore, Alabama 1 $ 190,000 $ 190,000 $ 111,000
Houston, Alabama 1 $ 151,000 $ 151,000 $ 52,000
Jefferson, Alabama 1 $ 155,000 $ 155,000 $ 123,000
Limestone, Alabama 1 $ 150,000 $ 150,000 $ 123,000
Mobile, Alabama 1 $ 179,000 $ 179,000 $ 90,000
Montgomery, Alabama 1 $ 155,000 $ 155,000 $ 91,000
Shelby, Alabama 1 $ 169,000 $ 169,000 $ 121,000
Coconino, Arizona 1 $ 160,000 $ 160,000 $ 66,000
Mohave, Arizona 1 $ 400,000 $ 400,000 $ 95,000
Ashley, Arkansas 1 $ 149,000 $ 149,000 $ 125,000
Pike, Arkansas 1 $ 285,000 $ 285,000 $ 125,000
Sebastian, Arkansas 1 $ 104,000 $ 104,000 $ 107,000
Washington, Arkansas 1 $ 124,000 $ 124,000 $ 55,000
Butte, California 1 $ 305,000 $ 305,000 $ 113,000
Calaveras, California 1 $ 202,000 $ 202,000 $ 215,000
Fresno, California 1 $ 300,000 $ 300,000 $ 87,000
Madera, California 1 $ 218,000 $ 218,000 $ 92,000
Mono, California 1 $ 250,000 $ 250,000 $ 206,000
San Luis Obispo, California 1 $ 248,000 $ 248,000 $ 59,000
San Mateo, California 1 $ 396,000 $ 396,000 $ 415,000
Solano, California 1 $ 288,000 $ 288,000 $ 81,000
Sutter, California 1 $ 216,000 $ 216,000 $ 146,000
Tehama, California 1 $ 185,000 $ 185,000 $ 72,000
Yolo, California 1 $ 316,000 $ 316,000 $ 136,000
Adams, Colorado 1 $ 273,000 $ 273,000 $ 70,000
Denver, Colorado 1 $ 205,000 $ 205,000 $ 68,000
Douglas, Colorado 1 $ 210,000 $ 210,000 $ 144,000
Mesa, Colorado 1 $ 279,000 $ 279,000 $ 155,000
Teller, Colorado 1 $ 178,000 $ 178,000 $ 102,000
Fairfield, Connecticut 1 $ 200,000 $ 200,000 $ 110,000
Middlesex, Connecticut 1 $ 265,000 $ 265,000 $ 54,000
Windham, Connecticut 1 $ 184,000 $ 184,000 $ 127,000
Kent, Delaware 1 $ 213,000 $ 213,000 $ 86,000
New Castle, Delaware 1 $ 250,000 $ 250,000 $ 190,000
Sussex, Delaware 1 $ 300,000 $ 300,000 $ 269,000
Bay, Florida 1 $ 349,000 $ 349,000 $ 855,000
Duval, Florida 1 $ 118,000 $ 118,000 $ 85,000
Hillsborough, Florida 1 $ 169,000 $ 169,000 $ 43,000
Lee, Florida 1 $ 85,000 $ 85,000 $ 82,000
Leon, Florida 1 $ 115,000 $ 115,000 $ 123,000
Miami-Dade, Florida 1 $ 100,000 $ 100,000 $ 138,000
Orange, Florida 1 $ 136,000 $ 136,000 $ 159,000
Pinellas, Florida 1 $ 187,000 $ 187,000 $ 180,000
Sarasota, Florida 1 $ 136,000 $ 136,000 $ 35,000
Seminole, Florida 1 $ 142,000 $ 142,000 $ 120,000
Volusia, Florida 1 $ 127,000 $ 127,000 $ 48,000
Barrow, Georgia 1 $ 217,000 $ 217,000 $ 86,000
Berrien, Georgia 1 $ 80,000 $ 80,000 $ 40,000
Catoosa, Georgia 1 $ 85,000 $ 85,000 $ 58,000
Clayton, Georgia 1 $ 45,000 $ 45,000 $ 14,000
Coweta, Georgia 1 $ 233,000 $ 233,000 $ 92,000
Monroe, Georgia 1 $ 171,000 $ 171,000 $ 53,000
Newton, Georgia 1 $ 122,000 $ 122,000 $ 144,000
Rockdale, Georgia 1 $ 75,000 $ 75,000 $ 12,000
Spalding, Georgia 1 $ 154,000 $ 154,000 $ 37,000
Stephens, Georgia 1 $ 113,000 $ 113,000 $ 46,000
Wayne, Georgia 1 $ 115,000 $ 115,000 $ 67,000
Honolulu, Hawaii 1 $ 310,000 $ 310,000 $ 187,000
Maui, Hawaii 1 $ 309,000 $ 309,000 $ 60,000
Boise, Idaho 1 $ 252,000 $ 252,000 $ 83,000
Latah, Idaho 1 $ 200,000 $ 200,000 $ 182,000
Payette, Idaho 1 $ 255,000 $ 255,000 $ 72,000
Champaign, Illinois 1 $ 151,000 $ 151,000 $ 75,000
Edgar, Illinois 1 $ 189,000 $ 189,000 $ 84,000
Lake, Illinois 1 $ 264,000 $ 264,000 $ 159,000
Macon, Illinois 1 $ 225,000 $ 225,000 $ 91,000
St. Clair, Illinois 1 $ 128,000 $ 128,000 $ 71,000
Benton, Indiana 1 $ 56,000 $ 56,000 $ 23,000
Hendricks, Indiana 1 $ 100,000 $ 100,000 $ 60,000
Jackson, Indiana 1 $ 87,000 $ 87,000 $ 64,000
Lake, Indiana 1 $ 83,000 $ 83,000 $ 39,000
Switzerland, Indiana 1 $ 117,000 $ 117,000 $ 39,000
Wabash, Indiana 1 $ 135,000 $ 135,000 $ 36,000
Madison, Iowa 1 $ 140,000 $ 140,000 $ 27,000
Butler, Kansas 1 $ 75,000 $ 75,000 $ 164,000
Finney, Kansas 1 $ 166,000 $ 166,000 $ 114,000
Gove, Kansas 1 $ 79,000 $ 79,000 $ 88,000
Bourbon, Kentucky 1 $ 102,000 $ 102,000 $ 44,000
Fayette, Kentucky 1 $ 190,000 $ 190,000 $ 84,000
Franklin, Kentucky 1 $ 105,000 $ 105,000 $ 43,000
Caddo, Louisiana 1 $ 162,000 $ 162,000 $ 38,000
Calcasieu, Louisiana 1 $ 175,000 $ 175,000 $ 72,000
Lafayette, Louisiana 1 $ 188,000 $ 188,000 $ 66,000
Orleans, Louisiana 1 $ 356,000 $ 356,000 $ 129,000
Ouachita, Louisiana 1 $ 105,000 $ 105,000 $ 83,000
Plaquemines, Louisiana 1 $ 344,000 $ 344,000 $ 83,000
St. John the Baptist, Louisiana 1 $ 224,000 $ 224,000 $ 62,000
St. Martin, Louisiana 1 $ 93,000 $ 93,000 $ 120,000
Vernon, Louisiana 1 $ 58,000 $ 58,000 $ 22,000
Knox, Maine 1 $ 242,000 $ 242,000 $ 60,000
Lincoln, Maine 1 $ 295,000 $ 295,000 $ 230,000
Baltimore City, Maryland 1 $ 113,000 $ 113,000 $ 43,000
Carroll, Maryland 1 $ 360,000 $ 360,000 $ 176,000
Cecil, Maryland 1 $ 297,000 $ 297,000 $ 91,000
Charles, Maryland 1 $ 200,000 $ 200,000 $ 100,000
Dorchester, Maryland 1 $ 76,000 $ 76,000 $ 34,000
Queen Anne's, Maryland 1 $ 350,000 $ 350,000 $ 180,000
St. Mary's, Maryland 1 $ 125,000 $ 125,000 $ 55,000
Worcester, Maryland 1 $ 375,000 $ 375,000 $ 118,000
Hampden, Massachusetts 1 $ 232,000 $ 232,000 $ 73,000
Norfolk, Massachusetts 1 $ 193,000 $ 193,000 $ 53,000
Allegan, Michigan 1 $ 240,000 $ 240,000 $ 187,000
Lapeer, Michigan 1 $ 128,000 $ 128,000 $ 85,000
Ottawa, Michigan 1 $ 209,000 $ 209,000 $ 85,000
Carver, Minnesota 1 $ 290,000 $ 290,000 $ 113,000
Douglas, Minnesota 1 $ 125,000 $ 125,000 $ 75,000
Otter Tail, Minnesota 1 $ 120,000 $ 120,000 $ 144,000
Ramsey, Minnesota 1 $ 100,000 $ 100,000 $ 98,000
Rice, Minnesota 1 $ 115,000 $ 115,000 $ 108,000
Newton, Mississippi 1 $ 276,000 $ 276,000 $ 178,000
Panola, Mississippi 1 $ 75,000 $ 75,000 $ 77,000
Pontotoc, Mississippi 1 $ 103,000 $ 103,000 $ 44,000
Warren, Mississippi 1 $ 344,000 $ 344,000 $ 102,000
Boone, Missouri 1 $ 276,000 $ 276,000 $ 105,000
Cole, Missouri 1 $ 82,000 $ 82,000 $ 45,000
Jackson, Missouri 1 $ 233,000 $ 233,000 $ 120,000
Flathead, Montana 1 $ 386,000 $ 386,000 $ 132,000
Sanders, Montana 1 $ 141,000 $ 141,000 $ 61,000
Valley, Montana 1 $ 240,000 $ 240,000 $ 106,000
Yellowstone, Montana 1 $ 128,000 $ 128,000 $ 25,000
Lancaster, Nebraska 1 $ 144,000 $ 144,000 $ 76,000
Elko, Nevada 1 $ 265,000 $ 265,000 $ 78,000
Lyon, Nevada 1 $ 105,000 $ 105,000 $ 73,000
Cheshire, New Hampshire 1 $ 171,000 $ 171,000 $ 135,000
Grafton, New Hampshire 1 $ 249,000 $ 249,000 $ 76,000
Merrimack, New Hampshire 1 $ 154,000 $ 154,000 $ 63,000
Camden, New Jersey 1 $ 140,000 $ 140,000 $ 94,000
Gloucester, New Jersey 1 $ 85,000 $ 85,000 $ 22,000
Hudson, New Jersey 1 $ 512,000 $ 512,000 $ 93,000
Hunterdon, New Jersey 1 $ 221,000 $ 221,000 $ 144,000
Morris, New Jersey 1 $ 417,000 $ 417,000 $ 79,000
Ocean, New Jersey 1 $ 332,000 $ 332,000 $ 192,000
Salem, New Jersey 1 $ 204,000 $ 204,000 $ 150,000
Sussex, New Jersey 1 $ 400,000 $ 400,000 $ 60,000
Union, New Jersey 1 $ 234,000 $ 234,000 $ 85,000
Warren, New Jersey 1 $ 204,000 $ 204,000 $ 120,000
Dona Ana, New Mexico 1 $ 384,000 $ 384,000 $ 151,000
Santa Fe, New Mexico 1 $ 150,000 $ 150,000 $ 154,000
Erie, New York 1 $ 135,000 $ 135,000 $ 90,000
Herkimer, New York 1 $ 117,000 $ 117,000 $ 46,000
Kings, New York 1 $ 405,000 $ 405,000 $ 97,000
Queens, New York 1 $ 353,000 $ 353,000 $ 104,000
Saratoga, New York 1 $ 211,000 $ 211,000 $ 189,000
St. Lawrence, New York 1 $ 206,000 $ 206,000 $ 88,000
Ulster, New York 1 $ 207,000 $ 207,000 $ 120,000
Warren, New York 1 $ 207,000 $ 207,000 $ 108,000
Westchester, New York 1 $ 416,000 $ 416,000 $ 300,000
Buncombe, North Carolina 1 $ 112,000 $ 112,000 $ 67,000
Dare, North Carolina 1 $ 184,000 $ 184,000 $ 105,000
Davidson, North Carolina 1 $ 103,000 $ 103,000 $ 26,000
Forsyth, North Carolina 1 $ 123,000 $ 123,000 $ 117,000
Johnston, North Carolina 1 $ 126,000 $ 126,000 $ 115,000
Lincoln, North Carolina 1 $ 75,000 $ 75,000 $ 51,000
Madison, North Carolina 1 $ 200,000 $ 200,000 $ 78,000
Mitchell, North Carolina 1 $ 90,000 $ 90,000 $ 79,000
Orange, North Carolina 1 $ 225,000 $ 225,000 $ 52,000
Rowan, North Carolina 1 $ 88,000 $ 88,000 $ 71,000
Transylvania, North Carolina 1 $ 392,000 $ 392,000 $ 105,000
Cass, North Dakota 1 $ 175,000 $ 175,000 $ 48,000
Walsh, North Dakota 1 $ 184,000 $ 184,000 $ 72,000
Butler, Ohio 1 $ 273,000 $ 273,000 $ 105,000
Clermont, Ohio 1 $ 77,000 $ 77,000 $ 207,000
Delaware, Ohio 1 $ 244,000 $ 244,000 $ 88,000
Jackson, Ohio 1 $ 64,000 $ 64,000 $ 27,000
Lake, Ohio 1 $ 190,000 $ 190,000 $ 60,000
Logan, Ohio 1 $ 80,000 $ 80,000 $ 48,000
Lorain, Ohio 1 $ 102,000 $ 102,000 $ 71,000
Lucas, Ohio 1 $ 131,000 $ 131,000 $ 73,000
Medina, Ohio 1 $ 184,000 $ 184,000 $ 130,000
Pickaway, Ohio 1 $ 107,000 $ 107,000 $ 66,000
Portage, Ohio 1 $ 85,000 $ 85,000 $ 29,000
Stark, Ohio 1 $ 105,000 $ 105,000 $ 61,000
Warren, Ohio 1 $ 80,000 $ 80,000 $ 53,000
Wood, Ohio 1 $ 203,000 $ 203,000 $ 80,000
Canadian, Oklahoma 1 $ 255,000 $ 255,000 $ 139,000
Cleveland, Oklahoma 1 $ 92,000 $ 92,000 $ 51,000
Kay, Oklahoma 1 $ 80,000 $ 80,000 $ 623,000
Oklahoma, Oklahoma 1 $ 75,000 $ 75,000 $ 75,000
Benton, Oregon 1 $ 199,000 $ 199,000 $ 105,000
Jackson, Oregon 1 $ 154,000 $ 154,000 $ 54,000
Lane, Oregon 1 $ 150,000 $ 150,000 $ 36,000
Marion, Oregon 1 $ 303,000 $ 303,000 $ 83,000
Berks, Pennsylvania 1 $ 75,000 $ 75,000 $ 64,000
Clarion, Pennsylvania 1 $ 190,000 $ 190,000 $ 156,000
Cumberland, Pennsylvania 1 $ 285,000 $ 285,000 $ 124,000
Dauphin, Pennsylvania 1 $ 140,000 $ 140,000 $ 48,000
Delaware, Pennsylvania 1 $ 90,000 $ 90,000 $ 45,000
Huntingdon, Pennsylvania 1 $ 94,000 $ 94,000 $ 48,000
Lancaster, Pennsylvania 1 $ 160,000 $ 160,000 $ 50,000
Lehigh, Pennsylvania 1 $ 210,000 $ 210,000 $ 75,000
Mercer, Pennsylvania 1 $ 75,000 $ 75,000 $ 92,000
Tioga, Pennsylvania 1 $ 220,000 $ 220,000 $ 79,000
Wayne, Pennsylvania 1 $ 350,000 $ 350,000 $ 38,000
Wyoming, Pennsylvania 1 $ 85,000 $ 85,000 $ 51,000
York, Pennsylvania 1 $ 85,000 $ 85,000 $ 144,000
Kent, Rhode Island 1 $ 158,000 $ 158,000 $ 84,000
Aiken, South Carolina 1 $ 82,000 $ 82,000 $ 44,000
Edgefield, South Carolina 1 $ 104,000 $ 104,000 $ 80,000
Fairfield, South Carolina 1 $ 267,000 $ 267,000 $ 77,000
Greenville, South Carolina 1 $ 138,000 $ 138,000 $ 42,000
Lancaster, South Carolina 1 $ 98,000 $ 98,000 $ 32,000
Laurens, South Carolina 1 $ 124,000 $ 124,000 $ 53,000
Oconee, South Carolina 1 $ 305,000 $ 305,000 $ 69,000
York, South Carolina 1 $ 202,000 $ 202,000 $ 96,000
Pennington, South Dakota 1 $ 128,000 $ 128,000 $ 97,000
Anderson, Tennessee 1 $ 80,000 $ 80,000 $ 62,000
Bradley, Tennessee 1 $ 90,000 $ 90,000 $ 104,000
Davidson, Tennessee 1 $ 170,000 $ 170,000 $ 68,000
Hamilton, Tennessee 1 $ 243,000 $ 243,000 $ 592,000
Lincoln, Tennessee 1 $ 100,000 $ 100,000 $ 40,000
Maury, Tennessee 1 $ 232,000 $ 232,000 $ 94,000
Morgan, Tennessee 1 $ 265,000 $ 265,000 $ 107,000
Rhea, Tennessee 1 $ 104,000 $ 104,000 $ 46,000
Williamson, Tennessee 1 $ 165,000 $ 165,000 $ 132,000
Brazos, Texas 1 $ 75,000 $ 75,000 $ 64,000
El Paso, Texas 1 $ 137,000 $ 137,000 $ 76,000
Hidalgo, Texas 1 $ 322,000 $ 322,000 $ 60,000
Hutchinson, Texas 1 $ 87,000 $ 87,000 $ 38,000
Matagorda, Texas 1 $ 210,000 $ 210,000 $ 58,000
McLennan, Texas 1 $ 146,000 $ 146,000 $ 96,000
Nacogdoches, Texas 1 $ 195,000 $ 195,000 $ 47,000
San Patricio, Texas 1 $ 207,000 $ 207,000 $ 140,000
Walker, Texas 1 $ 116,000 $ 116,000 $ 94,000
Davis, Utah 1 $ 191,000 $ 191,000 $ 117,000
San Juan, Utah 1 $ 125,000 $ 125,000 $ 81,000
Wasatch, Utah 1 $ 235,000 $ 235,000 $ 74,000
Addison, Vermont 1 $ 199,000 $ 199,000 $ 80,000
Bennington, Vermont 1 $ 310,000 $ 310,000 $ 126,000
Caledonia, Vermont 1 $ 97,000 $ 97,000 $ 38,000
Albemarle, Virginia 1 $ 201,000 $ 201,000 $ 41,000
Alexandria, Virginia 1 $ 370,000 $ 370,000 $ 128,000
Arlington, Virginia 1 $ 350,000 $ 350,000 $ 54,000
Chesterfield, Virginia 1 $ 232,000 $ 232,000 $ 98,000
Franklin, Virginia 1 $ 340,000 $ 340,000 $ 279,000
James City, Virginia 1 $ 131,000 $ 131,000 $ 69,000
King William, Virginia 1 $ 92,000 $ 92,000 $ 52,000
Montgomery, Virginia 1 $ 182,000 $ 182,000 $ 63,000
Newport News, Virginia 1 $ 140,000 $ 140,000 $ 94,000
Norfolk, Virginia 1 $ 140,000 $ 140,000 $ 133,000
Pittsylvania, Virginia 1 $ 261,000 $ 261,000 $ 162,000
Richmond City, Virginia 1 $ 295,000 $ 295,000 $ 92,000
York, Virginia 1 $ 415,000 $ 415,000 $ 153,000
Kitsap, Washington 1 $ 410,000 $ 410,000 $ 152,000
Klickitat, Washington 1 $ 190,000 $ 190,000 $ 127,000
San Juan, Washington 1 $ 140,000 $ 140,000 $ 95,000
Walla Walla, Washington 1 $ 171,000 $ 171,000 $ 75,000
Whatcom, Washington 1 $ 134,000 $ 134,000 $ 64,000
Cabell, West Virginia 1 $ 124,000 $ 124,000 $ 56,000
Hardy, West Virginia 1 $ 249,000 $ 249,000 $ 134,000
Harrison, West Virginia 1 $ 175,000 $ 175,000 $ 25,000
Jackson, West Virginia 1 $ 151,000 $ 151,000 $ 74,000
Jefferson, West Virginia 1 $ 311,000 $ 311,000 $ 98,000
Door, Wisconsin 1 $ 220,000 $ 220,000 $ 59,000
Jefferson, Wisconsin 1 $ 204,000 $ 204,000 $ 49,000
Outagamie, Wisconsin 1 $ 237,000 $ 237,000 $ 111,000
Washington, Wisconsin 1 $ 145,000 $ 145,000 $ 46,000
Teton, Wyoming 1 $ 400,000 $ 400,000 $ 90,000

Mortgage Loan Application Detail Totals for First Century Bank, National Association 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 841 $175,718,000 $208,000 $512,000 $106,000 $1,217,000
Home Purchase 234 $43,523,000 $185,000 $484,000 $85,000 $900,000
Home Improvement 2 $400,000 $200,000 $200,000 $116,000 $140,000

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
Hispanic 629 $122,589,000 $194,000 $484,000 $97,000 $900,000
Not Provided 247 $56,755,000 $229,000 $512,000 $109,000 $623,000
White 155 $32,319,000 $208,000 $417,000 $119,000 $1,217,000
Black or African American 19 $3,142,000 $165,000 $417,000 $57,000 $146,000
Asian 15 $3,308,000 $220,000 $417,000 $108,000 $248,000
Not applicable 11 $1,298,000 $118,000 $320,000 $0 $0
Native Hawaiian or Other Pacific Islander 1 $230,000 $230,000 $230,000 $100,000 $100,000
American Indian or Alaskan Native 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) 973 $202,437,000 $208,000 $512,000 $105,000 $1,217,000
FHA-insured (Federal Housing Administration) 101 $16,787,000 $166,000 $352,000 $68,000 $900,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 3 $417,000 $139,000 $142,000 $55,000 $55,000
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 642 $132,161,000 $205,000 $484,000 $107,000 $1,217,000
Application Denied By Financial Institution 167 $31,228,000 $186,000 $405,000 $86,000 $900,000
Application Withdrawn By Applicant 138 $29,791,000 $215,000 $512,000 $104,000 $470,000
File Closed For Incompleteness 99 $20,677,000 $208,000 $417,000 $98,000 $623,000
Preapproval Denied by Financial Institution 21 $3,594,000 $171,000 $425,000 $77,000 $390,000
Application Approved But Not Accepted 9 $2,072,000 $230,000 $415,000 $92,000 $135,000
Preapproval Approved but not Accepted 1 $118,000 $118,000 $118,000 $30,000 $30,000
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
Collateral 74 $14,859,000 $200,000 $405,000 $94,000 $248,000
Credit History 61 $10,032,000 $164,000 $405,000 $86,000 $900,000
Debt-To-Income Ratio 31 $6,005,000 $193,000 $425,000 $53,000 $200,000
Other 8 $1,234,000 $154,000 $376,000 $78,000 $160,000
Unverifiable Information 7 $1,130,000 $161,000 $360,000 $113,000 $390,000
Employment History 3 $561,000 $187,000 $242,000 $70,000 $106,000
Credit Application Incomplete 2 $524,000 $262,000 $370,000 $110,000 $120,000
Insufficient Cash (Downpayment, Closing Cost) 1 $293,000 $293,000 $293,000 $78,000 $78,000
Mortgage Insurance Denied 1 $184,000 $184,000 $184,000 $130,000 $130,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Century Bank, National Association'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 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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