First Century Bank, National Association Mortgage Lending & HMDA Data, 2011
In 2011, First Century Bank, National Association of Gainesville, GA reported 1,251 mortgage applications totaling $280.1 million, down 15% from 2010. The average application was for $223,916, and applicants reported an average income of $110,674. 65% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (318), Warner Robins, GA (38) and Washington-Arlington-Alexandria, DC-VA-MD-WV (28) (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 | 1,251 |
| Total Mortgage Loan Application Amount | $280,119,000 |
| Average Mortgage Loan Application Amount | $223,916 |
| Highest Mortgage Loan Application Amount | $722,000 |
| Average Applicant Income | $110,674 |
| Highest Applicant Income | $1,482,000 |
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Century Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Fulton, Georgia | 77 | $ 20,169,000 | $ 261,935 | $ 145,000 |
| Forsyth, Georgia | 44 | $ 10,915,000 | $ 248,068 | $ 108,000 |
| Cobb, Georgia | 42 | $ 8,559,000 | $ 203,785 | $ 106,000 |
| Gwinnett, Georgia | 39 | $ 7,304,000 | $ 187,282 | $ 84,000 |
| Houston, Georgia | 38 | $ 5,669,000 | $ 149,184 | $ 66,000 |
| DeKalb, Georgia | 37 | $ 7,501,000 | $ 202,729 | $ 107,000 |
| Cherokee, Georgia | 28 | $ 4,597,000 | $ 164,178 | $ 74,000 |
| Los Angeles, California | 24 | $ 8,574,000 | $ 357,250 | $ 119,000 |
| Maricopa, Arizona | 23 | $ 5,314,000 | $ 231,043 | $ 110,000 |
| Orange, California | 18 | $ 5,980,000 | $ 332,222 | $ 114,000 |
| Hall, Georgia | 16 | $ 2,552,000 | $ 159,500 | $ 99,000 |
| King, Washington | 14 | $ 4,155,000 | $ 296,785 | $ 156,000 |
| Jefferson, Alabama | 13 | $ 2,991,000 | $ 230,076 | $ 92,000 |
| San Diego, California | 13 | $ 4,582,000 | $ 352,461 | $ 136,000 |
| Fayette, Georgia | 13 | $ 3,038,000 | $ 233,692 | $ 93,000 |
| Riverside, California | 10 | $ 1,879,000 | $ 187,900 | $ 86,000 |
| Sacramento, California | 10 | $ 1,781,000 | $ 178,100 | $ 108,000 |
| Montgomery, Maryland | 10 | $ 2,726,000 | $ 272,600 | $ 255,000 |
| Oakland, Michigan | 10 | $ 2,105,000 | $ 210,500 | $ 125,000 |
| Fairfax, Virginia | 10 | $ 3,153,000 | $ 315,300 | $ 150,000 |
| Palm Beach, Florida | 9 | $ 1,734,000 | $ 192,666 | $ 87,000 |
| St. Louis, Missouri | 9 | $ 1,501,000 | $ 166,777 | $ 84,000 |
| Cook, Illinois | 8 | $ 2,468,000 | $ 308,500 | $ 146,000 |
| Broward, Florida | 7 | $ 1,525,000 | $ 217,857 | $ 140,000 |
| Henry, Georgia | 7 | $ 793,000 | $ 113,285 | $ 38,000 |
| Middlesex, Massachusetts | 7 | $ 1,961,000 | $ 280,142 | $ 106,000 |
| Cullman, Alabama | 6 | $ 900,000 | $ 150,000 | $ 55,000 |
| Montgomery, Alabama | 6 | $ 1,279,000 | $ 213,166 | $ 153,000 |
| Alameda, California | 6 | $ 2,222,000 | $ 370,333 | $ 120,000 |
| Santa Clara, California | 6 | $ 2,332,000 | $ 388,666 | $ 124,000 |
| Douglas, Nebraska | 6 | $ 1,178,000 | $ 196,333 | $ 107,000 |
| Greenville, South Carolina | 6 | $ 865,000 | $ 144,166 | $ 66,000 |
| Harris, Texas | 6 | $ 1,172,000 | $ 195,333 | $ 152,000 |
| Pima, Arizona | 5 | $ 987,000 | $ 197,400 | $ 85,000 |
| Jefferson, Colorado | 5 | $ 1,547,000 | $ 309,400 | $ 142,000 |
| Lee, Florida | 5 | $ 1,174,000 | $ 234,800 | $ 112,000 |
| Paulding, Georgia | 5 | $ 796,000 | $ 159,200 | $ 74,000 |
| Monmouth, New Jersey | 5 | $ 1,521,000 | $ 304,200 | $ 109,000 |
| Suffolk, New York | 5 | $ 1,274,000 | $ 254,800 | $ 111,000 |
| Westchester, New York | 5 | $ 1,630,000 | $ 326,000 | $ 148,000 |
| Delaware, Ohio | 5 | $ 1,229,000 | $ 245,800 | $ 126,000 |
| Williamson, Tennessee | 5 | $ 1,278,000 | $ 255,600 | $ 108,000 |
| Bexar, Texas | 5 | $ 1,005,000 | $ 201,000 | $ 171,000 |
| Collin, Texas | 5 | $ 1,144,000 | $ 228,800 | $ 243,000 |
| Prince William, Virginia | 5 | $ 1,651,000 | $ 330,200 | $ 126,000 |
| Snohomish, Washington | 5 | $ 1,357,000 | $ 271,400 | $ 127,000 |
| Baldwin, Alabama | 4 | $ 1,019,000 | $ 254,750 | $ 116,000 |
| Madison, Alabama | 4 | $ 646,000 | $ 161,500 | $ 96,000 |
| Pinal, Arizona | 4 | $ 589,000 | $ 147,250 | $ 172,000 |
| Placer, California | 4 | $ 1,189,000 | $ 297,250 | $ 152,000 |
| Ventura, California | 4 | $ 735,000 | $ 183,750 | $ 73,000 |
| Fairfield, Connecticut | 4 | $ 1,018,000 | $ 254,500 | $ 81,000 |
| Bibb, Georgia | 4 | $ 526,000 | $ 131,500 | $ 62,000 |
| Clarke, Georgia | 4 | $ 424,000 | $ 106,000 | $ 16,000 |
| Dawson, Georgia | 4 | $ 435,000 | $ 108,750 | $ 55,000 |
| Oconee, Georgia | 4 | $ 747,000 | $ 186,750 | $ 48,000 |
| DuPage, Illinois | 4 | $ 1,007,000 | $ 251,750 | $ 158,000 |
| Lafayette, Louisiana | 4 | $ 526,000 | $ 131,500 | $ 81,000 |
| Anne Arundel, Maryland | 4 | $ 964,000 | $ 241,000 | $ 105,000 |
| Baltimore City, Maryland | 4 | $ 538,000 | $ 134,500 | $ 82,000 |
| Howard, Maryland | 4 | $ 1,216,000 | $ 304,000 | $ 182,000 |
| Macomb, Michigan | 4 | $ 779,000 | $ 194,750 | $ 121,000 |
| Washtenaw, Michigan | 4 | $ 950,000 | $ 237,500 | $ 130,000 |
| Hennepin, Minnesota | 4 | $ 1,159,000 | $ 289,750 | $ 106,000 |
| Mecklenburg, North Carolina | 4 | $ 1,282,000 | $ 320,500 | $ 101,000 |
| Allegheny, Pennsylvania | 4 | $ 809,000 | $ 202,250 | $ 87,000 |
| Bucks, Pennsylvania | 4 | $ 1,058,000 | $ 264,500 | $ 117,000 |
| Jefferson, Tennessee | 4 | $ 958,000 | $ 239,500 | $ 84,000 |
| Fort Bend, Texas | 4 | $ 801,000 | $ 200,250 | $ 202,000 |
| Montgomery, Texas | 4 | $ 598,000 | $ 149,500 | $ 89,000 |
| Travis, Texas | 4 | $ 741,000 | $ 185,250 | $ 87,000 |
| Morgan, Alabama | 3 | $ 628,000 | $ 209,333 | $ 49,000 |
| Anchorage, Alaska | 3 | $ 1,092,000 | $ 364,000 | $ 156,000 |
| Yavapai, Arizona | 3 | $ 636,000 | $ 212,000 | $ 71,000 |
| Contra Costa, California | 3 | $ 1,095,000 | $ 365,000 | $ 115,000 |
| Nevada, California | 3 | $ 980,000 | $ 326,666 | $ 86,000 |
| San Bernardino, California | 3 | $ 823,000 | $ 274,333 | $ 101,000 |
| San Luis Obispo, California | 3 | $ 894,000 | $ 298,000 | $ 93,000 |
| San Mateo, California | 3 | $ 1,142,000 | $ 380,666 | $ 562,000 |
| Santa Barbara, California | 3 | $ 1,142,000 | $ 380,666 | $ 160,000 |
| Denver, Colorado | 3 | $ 844,000 | $ 281,333 | $ 110,000 |
| Douglas, Colorado | 3 | $ 798,000 | $ 266,000 | $ 86,000 |
| New Haven, Connecticut | 3 | $ 545,000 | $ 181,666 | $ 91,000 |
| District of Columbia, District Of Columbia | 3 | $ 1,026,000 | $ 342,000 | $ 72,000 |
| St. Johns, Florida | 3 | $ 506,000 | $ 168,666 | $ 80,000 |
| Sumter, Florida | 3 | $ 433,000 | $ 144,333 | $ 0 |
| Barrow, Georgia | 3 | $ 577,000 | $ 192,333 | $ 95,000 |
| Coweta, Georgia | 3 | $ 325,000 | $ 108,333 | $ 35,000 |
| Pickens, Georgia | 3 | $ 526,000 | $ 175,333 | $ 31,000 |
| Walton, Georgia | 3 | $ 365,000 | $ 121,666 | $ 78,000 |
| Marion, Indiana | 3 | $ 358,000 | $ 119,333 | $ 48,000 |
| Johnson, Kansas | 3 | $ 377,000 | $ 125,666 | $ 73,000 |
| Sedgwick, Kansas | 3 | $ 434,000 | $ 144,666 | $ 111,000 |
| Hampshire, Massachusetts | 3 | $ 841,000 | $ 280,333 | $ 122,000 |
| Suffolk, Massachusetts | 3 | $ 685,000 | $ 228,333 | $ 121,000 |
| Wayne, Michigan | 3 | $ 393,000 | $ 131,000 | $ 76,000 |
| Washoe, Nevada | 3 | $ 821,000 | $ 273,666 | $ 146,000 |
| Hillsborough, New Hampshire | 3 | $ 474,000 | $ 158,000 | $ 77,000 |
| Bergen, New Jersey | 3 | $ 1,162,000 | $ 387,333 | $ 156,000 |
| Gloucester, New Jersey | 3 | $ 704,000 | $ 234,666 | $ 84,000 |
| Morris, New Jersey | 3 | $ 910,000 | $ 303,333 | $ 137,000 |
| Somerset, New Jersey | 3 | $ 1,341,000 | $ 447,000 | $ 207,000 |
| Nassau, New York | 3 | $ 1,266,000 | $ 422,000 | $ 114,000 |
| Wake, North Carolina | 3 | $ 1,167,000 | $ 389,000 | $ 190,000 |
| Franklin, Ohio | 3 | $ 733,000 | $ 244,333 | $ 140,000 |
| Lorain, Ohio | 3 | $ 615,000 | $ 205,000 | $ 137,000 |
| Multnomah, Oregon | 3 | $ 1,108,000 | $ 369,333 | $ 171,000 |
| Delaware, Pennsylvania | 3 | $ 661,000 | $ 220,333 | $ 61,000 |
| Charleston, South Carolina | 3 | $ 992,000 | $ 330,666 | $ 207,000 |
| Oconee, South Carolina | 3 | $ 1,001,000 | $ 333,666 | $ 111,000 |
| Richland, South Carolina | 3 | $ 838,000 | $ 279,333 | $ 155,000 |
| Spartanburg, South Carolina | 3 | $ 397,000 | $ 132,333 | $ 79,000 |
| Gregg, Texas | 3 | $ 356,000 | $ 118,666 | $ 87,000 |
| Hays, Texas | 3 | $ 622,000 | $ 207,333 | $ 82,000 |
| Salt Lake, Utah | 3 | $ 750,000 | $ 250,000 | $ 69,000 |
| Clark, Washington | 3 | $ 473,000 | $ 157,666 | $ 98,000 |
| Mobile, Alabama | 2 | $ 286,000 | $ 143,000 | $ 88,000 |
| Shelby, Alabama | 2 | $ 348,000 | $ 174,000 | $ 80,000 |
| Tuscaloosa, Alabama | 2 | $ 405,000 | $ 202,500 | $ 71,000 |
| Navajo, Arizona | 2 | $ 440,000 | $ 220,000 | $ 112,000 |
| Pulaski, Arkansas | 2 | $ 430,000 | $ 215,000 | $ 143,000 |
| Santa Cruz, California | 2 | $ 519,000 | $ 259,500 | $ 94,000 |
| Solano, California | 2 | $ 357,000 | $ 178,500 | $ 109,000 |
| Sonoma, California | 2 | $ 615,000 | $ 307,500 | $ 135,000 |
| Yolo, California | 2 | $ 442,000 | $ 221,000 | $ 118,000 |
| Boulder, Colorado | 2 | $ 462,000 | $ 231,000 | $ 95,000 |
| Weld, Colorado | 2 | $ 395,000 | $ 197,500 | $ 91,000 |
| Hartford, Connecticut | 2 | $ 407,000 | $ 203,500 | $ 102,000 |
| New Castle, Delaware | 2 | $ 427,000 | $ 213,500 | $ 99,000 |
| Brevard, Florida | 2 | $ 588,000 | $ 294,000 | $ 184,000 |
| Citrus, Florida | 2 | $ 257,000 | $ 128,500 | $ 50,000 |
| Miami-Dade, Florida | 2 | $ 767,000 | $ 383,500 | $ 131,000 |
| Pasco, Florida | 2 | $ 578,000 | $ 289,000 | $ 171,000 |
| Pinellas, Florida | 2 | $ 343,000 | $ 171,500 | $ 131,000 |
| Seminole, Florida | 2 | $ 651,000 | $ 325,500 | $ 89,000 |
| Walton, Florida | 2 | $ 620,000 | $ 310,000 | $ 339,000 |
| Carroll, Georgia | 2 | $ 105,000 | $ 52,500 | $ 81,000 |
| Colquitt, Georgia | 2 | $ 273,000 | $ 136,500 | $ 21,000 |
| Jackson, Georgia | 2 | $ 299,000 | $ 149,500 | $ 111,000 |
| Monroe, Georgia | 2 | $ 613,000 | $ 306,500 | $ 101,000 |
| Newton, Georgia | 2 | $ 193,000 | $ 96,500 | $ 14,000 |
| Peach, Georgia | 2 | $ 277,000 | $ 138,500 | $ 62,000 |
| Polk, Georgia | 2 | $ 332,000 | $ 166,000 | $ 34,000 |
| Putnam, Georgia | 2 | $ 399,000 | $ 199,500 | $ 105,000 |
| Rockdale, Georgia | 2 | $ 167,000 | $ 83,500 | $ 18,000 |
| Sumter, Georgia | 2 | $ 255,000 | $ 127,500 | $ 52,000 |
| White, Georgia | 2 | $ 842,000 | $ 421,000 | $ 116,000 |
| Hawaii, Hawaii | 2 | $ 560,000 | $ 280,000 | $ 99,000 |
| Maui, Hawaii | 2 | $ 530,000 | $ 265,000 | $ 93,000 |
| Bonner, Idaho | 2 | $ 220,000 | $ 110,000 | $ 47,000 |
| Lake, Illinois | 2 | $ 590,000 | $ 295,000 | $ 175,000 |
| Will, Illinois | 2 | $ 560,000 | $ 280,000 | $ 96,000 |
| Fayette, Kentucky | 2 | $ 438,000 | $ 219,000 | $ 238,000 |
| Jefferson, Kentucky | 2 | $ 471,000 | $ 235,500 | $ 119,000 |
| Kenton, Kentucky | 2 | $ 264,000 | $ 132,000 | $ 38,000 |
| East Baton Rouge, Louisiana | 2 | $ 296,000 | $ 148,000 | $ 99,000 |
| Jefferson, Louisiana | 2 | $ 364,000 | $ 182,000 | $ 135,000 |
| Baltimore, Maryland | 2 | $ 485,000 | $ 242,500 | $ 206,000 |
| Frederick, Maryland | 2 | $ 606,000 | $ 303,000 | $ 114,000 |
| Franklin, Massachusetts | 2 | $ 299,000 | $ 149,500 | $ 56,000 |
| Norfolk, Massachusetts | 2 | $ 863,000 | $ 431,500 | $ 259,000 |
| Worcester, Massachusetts | 2 | $ 451,000 | $ 225,500 | $ 76,000 |
| Flathead, Montana | 2 | $ 694,000 | $ 347,000 | $ 74,000 |
| Missoula, Montana | 2 | $ 491,000 | $ 245,500 | $ 93,000 |
| Sarpy, Nebraska | 2 | $ 256,000 | $ 128,000 | $ 123,000 |
| Clark, Nevada | 2 | $ 307,000 | $ 153,500 | $ 57,000 |
| Middlesex, New Jersey | 2 | $ 414,000 | $ 207,000 | $ 109,000 |
| Ocean, New Jersey | 2 | $ 520,000 | $ 260,000 | $ 194,000 |
| Erie, New York | 2 | $ 652,000 | $ 326,000 | $ 356,000 |
| Queens, New York | 2 | $ 333,000 | $ 166,500 | $ 88,000 |
| Durham, North Carolina | 2 | $ 250,000 | $ 125,000 | $ 38,000 |
| Guilford, North Carolina | 2 | $ 248,000 | $ 124,000 | $ 76,000 |
| Union, North Carolina | 2 | $ 515,000 | $ 257,500 | $ 96,000 |
| Cuyahoga, Ohio | 2 | $ 215,000 | $ 107,500 | $ 119,000 |
| Hamilton, Ohio | 2 | $ 439,000 | $ 219,500 | $ 100,000 |
| Lake, Ohio | 2 | $ 543,000 | $ 271,500 | $ 226,000 |
| Lucas, Ohio | 2 | $ 254,000 | $ 127,000 | $ 62,000 |
| Warren, Ohio | 2 | $ 494,000 | $ 247,000 | $ 166,000 |
| Marion, Oregon | 2 | $ 321,000 | $ 160,500 | $ 71,000 |
| Washington, Oregon | 2 | $ 464,000 | $ 232,000 | $ 124,000 |
| Carbon, Pennsylvania | 2 | $ 352,000 | $ 176,000 | $ 64,000 |
| York, Pennsylvania | 2 | $ 366,000 | $ 183,000 | $ 69,000 |
| Anderson, South Carolina | 2 | $ 409,000 | $ 204,500 | $ 49,000 |
| Beaufort, South Carolina | 2 | $ 447,000 | $ 223,500 | $ 86,000 |
| Knox, Tennessee | 2 | $ 574,000 | $ 287,000 | $ 136,000 |
| Shelby, Tennessee | 2 | $ 471,000 | $ 235,500 | $ 73,000 |
| Sumner, Tennessee | 2 | $ 344,000 | $ 172,000 | $ 48,000 |
| Denton, Texas | 2 | $ 379,000 | $ 189,500 | $ 79,000 |
| Tarrant, Texas | 2 | $ 383,000 | $ 191,500 | $ 76,000 |
| Wichita, Texas | 2 | $ 357,000 | $ 178,500 | $ 173,000 |
| Summit, Utah | 2 | $ 741,000 | $ 370,500 | $ 265,000 |
| Arlington, Virginia | 2 | $ 649,000 | $ 324,500 | $ 126,000 |
| Chesterfield, Virginia | 2 | $ 539,000 | $ 269,500 | $ 145,000 |
| Henrico, Virginia | 2 | $ 355,000 | $ 177,500 | $ 52,000 |
| James City, Virginia | 2 | $ 523,000 | $ 261,500 | $ 438,000 |
| Loudoun, Virginia | 2 | $ 484,000 | $ 242,000 | $ 146,000 |
| York, Virginia | 2 | $ 660,000 | $ 330,000 | $ 120,000 |
| Kitsap, Washington | 2 | $ 525,000 | $ 262,500 | $ 111,000 |
| Kittitas, Washington | 2 | $ 553,000 | $ 276,500 | $ 210,000 |
| Pierce, Washington | 2 | $ 352,000 | $ 176,000 | $ 80,000 |
| Spokane, Washington | 2 | $ 566,000 | $ 283,000 | $ 121,000 |
| Elmore, Alabama | 1 | $ 137,000 | $ 137,000 | $ 40,000 |
| Lauderdale, Alabama | 1 | $ 211,000 | $ 211,000 | $ 85,000 |
| Limestone, Alabama | 1 | $ 157,000 | $ 157,000 | $ 77,000 |
| Marshall, Alabama | 1 | $ 177,000 | $ 177,000 | $ 109,000 |
| Randolph, Alabama | 1 | $ 292,000 | $ 292,000 | $ 106,000 |
| Matanuska-Susitna, Alaska | 1 | $ 202,000 | $ 202,000 | $ 103,000 |
| Gila, Arizona | 1 | $ 207,000 | $ 207,000 | $ 169,000 |
| Benton, Arkansas | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Craighead, Arkansas | 1 | $ 135,000 | $ 135,000 | $ 131,000 |
| Garland, Arkansas | 1 | $ 90,000 | $ 90,000 | $ 103,000 |
| Saline, Arkansas | 1 | $ 99,000 | $ 99,000 | $ 158,000 |
| Sebastian, Arkansas | 1 | $ 172,000 | $ 172,000 | $ 99,000 |
| El Dorado, California | 1 | $ 238,000 | $ 238,000 | $ 80,000 |
| Kings, California | 1 | $ 93,000 | $ 93,000 | $ 46,000 |
| Napa, California | 1 | $ 212,000 | $ 212,000 | $ 82,000 |
| San Joaquin, California | 1 | $ 226,000 | $ 226,000 | $ 140,000 |
| Shasta, California | 1 | $ 254,000 | $ 254,000 | $ 228,000 |
| Arapahoe, Colorado | 1 | $ 175,000 | $ 175,000 | $ 216,000 |
| El Paso, Colorado | 1 | $ 75,000 | $ 75,000 | $ 45,000 |
| Larimer, Colorado | 1 | $ 240,000 | $ 240,000 | $ 65,000 |
| Middlesex, Connecticut | 1 | $ 353,000 | $ 353,000 | $ 125,000 |
| Sussex, Delaware | 1 | $ 304,000 | $ 304,000 | $ 77,000 |
| Charlotte, Florida | 1 | $ 85,000 | $ 85,000 | $ 38,000 |
| Clay, Florida | 1 | $ 151,000 | $ 151,000 | $ 52,000 |
| Collier, Florida | 1 | $ 226,000 | $ 226,000 | $ 95,000 |
| Lake, Florida | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Orange, Florida | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| Osceola, Florida | 1 | $ 276,000 | $ 276,000 | $ 227,000 |
| Sarasota, Florida | 1 | $ 79,000 | $ 79,000 | $ 44,000 |
| St. Lucie, Florida | 1 | $ 121,000 | $ 121,000 | $ 39,000 |
| Volusia, Florida | 1 | $ 185,000 | $ 185,000 | $ 113,000 |
| Banks, Georgia | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Bartow, Georgia | 1 | $ 206,000 | $ 206,000 | $ 62,000 |
| Bryan, Georgia | 1 | $ 238,000 | $ 238,000 | $ 192,000 |
| Camden, Georgia | 1 | $ 201,000 | $ 201,000 | $ 84,000 |
| Catoosa, Georgia | 1 | $ 132,000 | $ 132,000 | $ 44,000 |
| Clayton, Georgia | 1 | $ 77,000 | $ 77,000 | $ 37,000 |
| Columbia, Georgia | 1 | $ 150,000 | $ 150,000 | $ 65,000 |
| Crisp, Georgia | 1 | $ 58,000 | $ 58,000 | $ 24,000 |
| Dougherty, Georgia | 1 | $ 98,000 | $ 98,000 | $ 56,000 |
| Douglas, Georgia | 1 | $ 83,000 | $ 83,000 | $ 84,000 |
| Floyd, Georgia | 1 | $ 108,000 | $ 108,000 | $ 78,000 |
| Franklin, Georgia | 1 | $ 169,000 | $ 169,000 | $ 170,000 |
| Haralson, Georgia | 1 | $ 228,000 | $ 228,000 | $ 119,000 |
| Harris, Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Irwin, Georgia | 1 | $ 120,000 | $ 120,000 | $ 51,000 |
| Jones, Georgia | 1 | $ 295,000 | $ 295,000 | $ 74,000 |
| Liberty, Georgia | 1 | $ 189,000 | $ 189,000 | $ 146,000 |
| Lowndes, Georgia | 1 | $ 100,000 | $ 100,000 | $ 80,000 |
| Lumpkin, Georgia | 1 | $ 104,000 | $ 104,000 | $ 65,000 |
| Rabun, Georgia | 1 | $ 143,000 | $ 143,000 | $ 200,000 |
| Walker, Georgia | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Ware, Georgia | 1 | $ 249,000 | $ 249,000 | $ 92,000 |
| Whitfield, Georgia | 1 | $ 331,000 | $ 331,000 | $ 72,000 |
| Ada, Idaho | 1 | $ 170,000 | $ 170,000 | $ 56,000 |
| Coles, Illinois | 1 | $ 100,000 | $ 100,000 | $ 42,000 |
| Kane, Illinois | 1 | $ 361,000 | $ 361,000 | $ 207,000 |
| McHenry, Illinois | 1 | $ 185,000 | $ 185,000 | $ 104,000 |
| Washington, Illinois | 1 | $ 128,000 | $ 128,000 | $ 69,000 |
| Elkhart, Indiana | 1 | $ 127,000 | $ 127,000 | $ 46,000 |
| Grant, Indiana | 1 | $ 150,000 | $ 150,000 | $ 52,000 |
| Jackson, Indiana | 1 | $ 236,000 | $ 236,000 | $ 118,000 |
| LaGrange, Indiana | 1 | $ 184,000 | $ 184,000 | $ 35,000 |
| Porter, Indiana | 1 | $ 173,000 | $ 173,000 | $ 114,000 |
| St. Joseph, Indiana | 1 | $ 360,000 | $ 360,000 | $ 124,000 |
| Dallas, Iowa | 1 | $ 204,000 | $ 204,000 | $ 75,000 |
| Polk, Iowa | 1 | $ 144,000 | $ 144,000 | $ 81,000 |
| Scott, Iowa | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Cowley, Kansas | 1 | $ 57,000 | $ 57,000 | $ 19,000 |
| Shawnee, Kansas | 1 | $ 229,000 | $ 229,000 | $ 105,000 |
| Jessamine, Kentucky | 1 | $ 400,000 | $ 400,000 | $ 158,000 |
| Bossier, Louisiana | 1 | $ 122,000 | $ 122,000 | $ 111,000 |
| Rapides, Louisiana | 1 | $ 160,000 | $ 160,000 | $ 50,000 |
| St. Landry, Louisiana | 1 | $ 75,000 | $ 75,000 | $ 47,000 |
| Cumberland, Maine | 1 | $ 129,000 | $ 129,000 | $ 131,000 |
| Franklin, Maine | 1 | $ 67,000 | $ 67,000 | $ 24,000 |
| Knox, Maine | 1 | $ 250,000 | $ 250,000 | $ 187,000 |
| York, Maine | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Calvert, Maryland | 1 | $ 165,000 | $ 165,000 | $ 120,000 |
| Carroll, Maryland | 1 | $ 165,000 | $ 165,000 | $ 122,000 |
| Cecil, Maryland | 1 | $ 200,000 | $ 200,000 | $ 141,000 |
| Charles, Maryland | 1 | $ 72,000 | $ 72,000 | $ 60,000 |
| Prince George's, Maryland | 1 | $ 151,000 | $ 151,000 | $ 161,000 |
| Washington, Maryland | 1 | $ 148,000 | $ 148,000 | $ 150,000 |
| Barnstable, Massachusetts | 1 | $ 414,000 | $ 414,000 | $ 135,000 |
| Bristol, Massachusetts | 1 | $ 250,000 | $ 250,000 | $ 46,000 |
| Plymouth, Massachusetts | 1 | $ 230,000 | $ 230,000 | $ 76,000 |
| Kent, Michigan | 1 | $ 388,000 | $ 388,000 | $ 180,000 |
| Livingston, Michigan | 1 | $ 267,000 | $ 267,000 | $ 140,000 |
| Mackinac, Michigan | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Crow Wing, Minnesota | 1 | $ 128,000 | $ 128,000 | $ 53,000 |
| Washington, Minnesota | 1 | $ 223,000 | $ 223,000 | $ 116,000 |
| DeSoto, Mississippi | 1 | $ 93,000 | $ 93,000 | $ 28,000 |
| Jackson, Mississippi | 1 | $ 100,000 | $ 100,000 | $ 17,000 |
| Boone, Missouri | 1 | $ 181,000 | $ 181,000 | $ 143,000 |
| Cass, Missouri | 1 | $ 190,000 | $ 190,000 | $ 93,000 |
| Clay, Missouri | 1 | $ 62,000 | $ 62,000 | $ 42,000 |
| Daviess, Missouri | 1 | $ 181,000 | $ 181,000 | $ 50,000 |
| Greene, Missouri | 1 | $ 108,000 | $ 108,000 | $ 20,000 |
| Jackson, Missouri | 1 | $ 117,000 | $ 117,000 | $ 127,000 |
| Lincoln, Missouri | 1 | $ 165,000 | $ 165,000 | $ 71,000 |
| McDonald, Missouri | 1 | $ 306,000 | $ 306,000 | $ 199,000 |
| Morgan, Missouri | 1 | $ 120,000 | $ 120,000 | $ 230,000 |
| Phelps, Missouri | 1 | $ 160,000 | $ 160,000 | $ 93,000 |
| Platte, Missouri | 1 | $ 101,000 | $ 101,000 | $ 66,000 |
| Gallatin, Montana | 1 | $ 299,000 | $ 299,000 | $ 73,000 |
| Lincoln, Nebraska | 1 | $ 120,000 | $ 120,000 | $ 64,000 |
| Rockingham, New Hampshire | 1 | $ 240,000 | $ 240,000 | $ 106,000 |
| Atlantic, New Jersey | 1 | $ 323,000 | $ 323,000 | $ 180,000 |
| Camden, New Jersey | 1 | $ 205,000 | $ 205,000 | $ 74,000 |
| Cape May, New Jersey | 1 | $ 198,000 | $ 198,000 | $ 97,000 |
| Hunterdon, New Jersey | 1 | $ 412,000 | $ 412,000 | $ 111,000 |
| Mercer, New Jersey | 1 | $ 150,000 | $ 150,000 | $ 67,000 |
| Passaic, New Jersey | 1 | $ 160,000 | $ 160,000 | $ 155,000 |
| Salem, New Jersey | 1 | $ 103,000 | $ 103,000 | $ 44,000 |
| Sussex, New Jersey | 1 | $ 147,000 | $ 147,000 | $ 72,000 |
| Warren, New Jersey | 1 | $ 312,000 | $ 312,000 | $ 87,000 |
| Bernalillo, New Mexico | 1 | $ 75,000 | $ 75,000 | $ 89,000 |
| Eddy, New Mexico | 1 | $ 240,000 | $ 240,000 | $ 100,000 |
| Sandoval, New Mexico | 1 | $ 193,000 | $ 193,000 | $ 116,000 |
| Columbia, New York | 1 | $ 261,000 | $ 261,000 | $ 0 |
| Genesee, New York | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
| Kings, New York | 1 | $ 150,000 | $ 150,000 | $ 32,000 |
| Putnam, New York | 1 | $ 243,000 | $ 243,000 | $ 78,000 |
| Rensselaer, New York | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Schenectady, New York | 1 | $ 56,000 | $ 56,000 | $ 50,000 |
| Steuben, New York | 1 | $ 75,000 | $ 75,000 | $ 33,000 |
| Ulster, New York | 1 | $ 300,000 | $ 300,000 | $ 134,000 |
| Warren, New York | 1 | $ 207,000 | $ 207,000 | $ 194,000 |
| Yates, New York | 1 | $ 333,000 | $ 333,000 | $ 278,000 |
| Ashe, North Carolina | 1 | $ 162,000 | $ 162,000 | $ 88,000 |
| Catawba, North Carolina | 1 | $ 161,000 | $ 161,000 | $ 99,000 |
| Clay, North Carolina | 1 | $ 330,000 | $ 330,000 | $ 652,000 |
| Haywood, North Carolina | 1 | $ 352,000 | $ 352,000 | $ 99,000 |
| Moore, North Carolina | 1 | $ 328,000 | $ 328,000 | $ 90,000 |
| Pamlico, North Carolina | 1 | $ 113,000 | $ 113,000 | $ 117,000 |
| Rutherford, North Carolina | 1 | $ 153,000 | $ 153,000 | $ 55,000 |
| Medina, Ohio | 1 | $ 160,000 | $ 160,000 | $ 85,000 |
| Sandusky, Ohio | 1 | $ 92,000 | $ 92,000 | $ 28,000 |
| Stark, Ohio | 1 | $ 123,000 | $ 123,000 | $ 63,000 |
| Summit, Ohio | 1 | $ 213,000 | $ 213,000 | $ 160,000 |
| Wayne, Ohio | 1 | $ 201,000 | $ 201,000 | $ 120,000 |
| Wood, Ohio | 1 | $ 148,000 | $ 148,000 | $ 102,000 |
| Osage, Oklahoma | 1 | $ 127,000 | $ 127,000 | $ 34,000 |
| Tulsa, Oklahoma | 1 | $ 199,000 | $ 199,000 | $ 100,000 |
| Clackamas, Oregon | 1 | $ 385,000 | $ 385,000 | $ 171,000 |
| Linn, Oregon | 1 | $ 241,000 | $ 241,000 | $ 69,000 |
| Yamhill, Oregon | 1 | $ 235,000 | $ 235,000 | $ 77,000 |
| Chester, Pennsylvania | 1 | $ 198,000 | $ 198,000 | $ 135,000 |
| Cumberland, Pennsylvania | 1 | $ 247,000 | $ 247,000 | $ 147,000 |
| Lehigh, Pennsylvania | 1 | $ 183,000 | $ 183,000 | $ 82,000 |
| Luzerne, Pennsylvania | 1 | $ 216,000 | $ 216,000 | $ 166,000 |
| Mercer, Pennsylvania | 1 | $ 202,000 | $ 202,000 | $ 69,000 |
| Philadelphia, Pennsylvania | 1 | $ 207,000 | $ 207,000 | $ 686,000 |
| Pike, Pennsylvania | 1 | $ 229,000 | $ 229,000 | $ 188,000 |
| Kent, Rhode Island | 1 | $ 135,000 | $ 135,000 | $ 74,000 |
| Newport, Rhode Island | 1 | $ 400,000 | $ 400,000 | $ 128,000 |
| Washington, Rhode Island | 1 | $ 114,000 | $ 114,000 | $ 66,000 |
| Aiken, South Carolina | 1 | $ 295,000 | $ 295,000 | $ 68,000 |
| Colleton, South Carolina | 1 | $ 219,000 | $ 219,000 | $ 115,000 |
| Dorchester, South Carolina | 1 | $ 128,000 | $ 128,000 | $ 94,000 |
| Horry, South Carolina | 1 | $ 129,000 | $ 129,000 | $ 73,000 |
| Lexington, South Carolina | 1 | $ 78,000 | $ 78,000 | $ 34,000 |
| Pickens, South Carolina | 1 | $ 149,000 | $ 149,000 | $ 77,000 |
| Bradley, Tennessee | 1 | $ 88,000 | $ 88,000 | $ 98,000 |
| Davidson, Tennessee | 1 | $ 220,000 | $ 220,000 | $ 55,000 |
| Franklin, Tennessee | 1 | $ 70,000 | $ 70,000 | $ 75,000 |
| Hamblen, Tennessee | 1 | $ 80,000 | $ 80,000 | $ 39,000 |
| Madison, Tennessee | 1 | $ 88,000 | $ 88,000 | $ 138,000 |
| Rutherford, Tennessee | 1 | $ 91,000 | $ 91,000 | $ 62,000 |
| Sevier, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 198,000 |
| White, Tennessee | 1 | $ 88,000 | $ 88,000 | $ 132,000 |
| Angelina, Texas | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Atascosa, Texas | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Brazoria, Texas | 1 | $ 325,000 | $ 325,000 | $ 251,000 |
| Dallas, Texas | 1 | $ 320,000 | $ 320,000 | $ 170,000 |
| Galveston, Texas | 1 | $ 172,000 | $ 172,000 | $ 152,000 |
| Hood, Texas | 1 | $ 173,000 | $ 173,000 | $ 78,000 |
| Hunt, Texas | 1 | $ 182,000 | $ 182,000 | $ 92,000 |
| Matagorda, Texas | 1 | $ 152,000 | $ 152,000 | $ 126,000 |
| Parker, Texas | 1 | $ 85,000 | $ 85,000 | $ 64,000 |
| Williamson, Texas | 1 | $ 87,000 | $ 87,000 | $ 128,000 |
| Davis, Utah | 1 | $ 335,000 | $ 335,000 | $ 81,000 |
| Utah, Utah | 1 | $ 232,000 | $ 232,000 | $ 132,000 |
| Chittenden, Vermont | 1 | $ 197,000 | $ 197,000 | $ 96,000 |
| Orange, Vermont | 1 | $ 97,000 | $ 97,000 | $ 45,000 |
| Rutland, Vermont | 1 | $ 97,000 | $ 97,000 | $ 105,000 |
| Essex, Virginia | 1 | $ 417,000 | $ 417,000 | $ 243,000 |
| Fairfax City, Virginia | 1 | $ 410,000 | $ 410,000 | $ 225,000 |
| Franklin, Virginia | 1 | $ 149,000 | $ 149,000 | $ 132,000 |
| Fredericksburg, Virginia | 1 | $ 383,000 | $ 383,000 | $ 191,000 |
| Virginia Beach, Virginia | 1 | $ 290,000 | $ 290,000 | $ 79,000 |
| Benton, Washington | 1 | $ 219,000 | $ 219,000 | $ 174,000 |
| Clallam, Washington | 1 | $ 120,000 | $ 120,000 | $ 32,000 |
| Skagit, Washington | 1 | $ 288,000 | $ 288,000 | $ 211,000 |
| Whitman, Washington | 1 | $ 131,000 | $ 131,000 | $ 59,000 |
| Yakima, Washington | 1 | $ 122,000 | $ 122,000 | $ 65,000 |
| Jefferson, West Virginia | 1 | $ 417,000 | $ 417,000 | $ 155,000 |
| Dane, Wisconsin | 1 | $ 159,000 | $ 159,000 | $ 61,000 |
| Walworth, Wisconsin | 1 | $ 326,000 | $ 326,000 | $ 280,000 |
| Waukesha, Wisconsin | 1 | $ 178,000 | $ 178,000 | $ 99,000 |
| Lincoln, Wyoming | 1 | $ 120,000 | $ 120,000 | $ 62,000 |
| Park, Wyoming | 1 | $ 332,000 | $ 332,000 | $ 226,000 |
Mortgage Loan Application Detail Totals for First Century Bank, National Association in 2011
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 | 991 | $230,154,000 | $232,000 | $722,000 | $114,000 | $1,482,000 |
| Home Purchase | 260 | $49,965,000 | $192,000 | $700,000 | $98,000 | $1,156,000 |
| Home Improvement | 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 | 886 | $194,491,000 | $219,000 | $700,000 | $112,000 | $1,482,000 |
| Not Provided | 178 | $43,423,000 | $243,000 | $722,000 | $113,000 | $723,000 |
| Asian | 80 | $20,925,000 | $261,000 | $499,000 | $135,000 | $425,000 |
| Black or African American | 57 | $10,655,000 | $186,000 | $517,000 | $73,000 | $251,000 |
| Hispanic | 41 | $8,881,000 | $216,000 | $416,000 | $85,000 | $202,000 |
| Not applicable | 4 | $652,000 | $163,000 | $474,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 3 | $782,000 | $260,000 | $369,000 | $95,000 | $123,000 |
| American Indian or Alaskan Native | 2 | $310,000 | $155,000 | $202,000 | $61,000 | $103,000 |
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) | 1,012 | $236,690,000 | $233,000 | $722,000 | $122,000 | $1,482,000 |
| FHA-insured (Federal Housing Administration) | 197 | $35,224,000 | $178,000 | $700,000 | $63,000 | $235,000 |
| VA-guaranteed (Veterans Administration) | 35 | $7,402,000 | $211,000 | $431,000 | $67,000 | $219,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $803,000 | $114,000 | $157,000 | $43,000 | $65,000 |
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 | 814 | $182,206,000 | $223,000 | $722,000 | $115,000 | $1,482,000 |
| Application Withdrawn By Applicant | 253 | $56,429,000 | $223,000 | $695,000 | $107,000 | $686,000 |
| Application Denied By Financial Institution | 165 | $36,740,000 | $222,000 | $568,000 | $97,000 | $425,000 |
| Application Approved But Not Accepted | 14 | $3,082,000 | $220,000 | $418,000 | $100,000 | $224,000 |
| File Closed For Incompleteness | 5 | $1,662,000 | $332,000 | $613,000 | $153,000 | $225,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 74 | $17,802,000 | $240,000 | $517,000 | $110,000 | $425,000 |
| Debt-To-Income Ratio | 34 | $6,978,000 | $205,000 | $568,000 | $73,000 | $280,000 |
| Credit History | 22 | $4,120,000 | $187,000 | $405,000 | $81,000 | $199,000 |
| Credit Application Incomplete | 19 | $4,275,000 | $225,000 | $520,000 | $124,000 | $264,000 |
| Other | 6 | $1,087,000 | $181,000 | $242,000 | $106,000 | $176,000 |
| Unverifiable Information | 6 | $1,889,000 | $314,000 | $450,000 | $80,000 | $164,000 |
| Employment History | 3 | $481,000 | $160,000 | $252,000 | $57,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $108,000 | $108,000 | $108,000 | $50,000 | $50,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Century Bank, National Association's 2011 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.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About