First Century Bank, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
First Century Bank, National Association 2013 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 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 | 1,565 |
| Total Mortgage Loan Application Amount | $442,576,000 |
| Average Mortgage Loan Application Amount | $312,333 |
| Highest Mortgage Loan Application Amount | $972,000 |
| Average Applicant Income | $123,666 |
| Highest Applicant Income | $1,231,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 with First Century Bank, National Association. 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 Century Bank, National Association's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2013 breaks down First Century Bank, National Association'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 Century Bank, National Association serves its applicants.
Each category highlights the total number of mortgage applications processed by First Century Bank, National Association, 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 Century Bank, National Association's mortgage activity for 2013.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Honolulu County Hawaii | 215 | $ 84,264,000 | $ 391,000 | $ 134,000 |
| Alameda County California | 55 | $ 18,828,000 | $ 342,000 | $ 156,000 |
| Los Angeles County California | 48 | $ 16,517,000 | $ 344,000 | $ 115,000 |
| Santa Clara County California | 48 | $ 18,237,000 | $ 379,000 | $ 135,000 |
| Maricopa County Arizona | 46 | $ 11,091,000 | $ 241,000 | $ 110,000 |
| San Francisco County California | 45 | $ 20,496,000 | $ 455,000 | $ 139,000 |
| San Mateo County California | 39 | $ 15,159,000 | $ 388,000 | $ 126,000 |
| Fulton County Georgia | 32 | $ 8,423,000 | $ 263,000 | $ 133,000 |
| Sacramento County California | 29 | $ 5,936,000 | $ 204,000 | $ 101,000 |
| Contra Costa County California | 26 | $ 8,941,000 | $ 343,000 | $ 133,000 |
| Orange County California | 23 | $ 8,351,000 | $ 363,000 | $ 138,000 |
| Gwinnett County Georgia | 22 | $ 3,849,000 | $ 174,000 | $ 78,000 |
| Clark County Nevada | 22 | $ 5,351,000 | $ 243,000 | $ 119,000 |
| King County Washington | 19 | $ 5,377,000 | $ 283,000 | $ 123,000 |
| Cobb County Georgia | 16 | $ 3,668,000 | $ 229,000 | $ 114,000 |
| Kauai County Hawaii | 16 | $ 6,399,000 | $ 399,000 | $ 218,000 |
| San Diego County California | 14 | $ 4,524,000 | $ 323,000 | $ 129,000 |
| Hennepin County Minnesota | 14 | $ 3,753,000 | $ 268,000 | $ 123,000 |
| San Joaquin County California | 13 | $ 2,801,000 | $ 215,000 | $ 116,000 |
| DeKalb County Georgia | 13 | $ 3,051,000 | $ 234,000 | $ 119,000 |
| Oakland County Michigan | 13 | $ 2,920,000 | $ 224,000 | $ 99,000 |
| Salt Lake County Utah | 13 | $ 3,335,000 | $ 256,000 | $ 91,000 |
| Fairfax County Virginia | 13 | $ 5,044,000 | $ 388,000 | $ 161,000 |
| Forsyth County Georgia | 11 | $ 2,245,000 | $ 204,000 | $ 157,000 |
| Washoe County Nevada | 11 | $ 2,785,000 | $ 253,000 | $ 103,000 |
| Snohomish County Washington | 11 | $ 2,894,000 | $ 263,000 | $ 100,000 |
| Riverside County California | 10 | $ 2,453,000 | $ 245,000 | $ 128,000 |
| Palm Beach County Florida | 10 | $ 2,111,000 | $ 211,000 | $ 107,000 |
| Cherokee County Georgia | 10 | $ 1,524,000 | $ 152,000 | $ 80,000 |
| Greene County Georgia | 10 | $ 1,607,000 | $ 160,000 | $ 97,000 |
| Hawaii County Hawaii | 10 | $ 3,064,000 | $ 306,000 | $ 101,000 |
| Yolo County California | 9 | $ 2,799,000 | $ 311,000 | $ 102,000 |
| Multnomah County Oregon | 8 | $ 2,333,000 | $ 291,000 | $ 170,000 |
| Prince William County Virginia | 8 | $ 2,528,000 | $ 316,000 | $ 111,000 |
| San Bernardino County California | 7 | $ 1,763,000 | $ 251,000 | $ 101,000 |
| Jefferson County Colorado | 7 | $ 1,680,000 | $ 240,000 | $ 94,000 |
| Duval County Florida | 7 | $ 1,663,000 | $ 237,000 | $ 88,000 |
| Maui County Hawaii | 7 | $ 2,359,000 | $ 337,000 | $ 100,000 |
| Prince George's County Maryland | 7 | $ 1,869,000 | $ 267,000 | $ 162,000 |
| Jefferson County Alabama | 6 | $ 1,451,000 | $ 241,000 | $ 127,000 |
| Pima County Arizona | 6 | $ 1,108,000 | $ 184,000 | $ 84,000 |
| Placer County California | 6 | $ 1,942,000 | $ 323,000 | $ 179,000 |
| Stanislaus County California | 6 | $ 1,383,000 | $ 230,000 | $ 87,000 |
| Ventura County California | 6 | $ 2,023,000 | $ 337,000 | $ 143,000 |
| Anne Arundel County Maryland | 6 | $ 2,289,000 | $ 381,000 | $ 123,000 |
| Nevada County California | 5 | $ 1,050,000 | $ 210,000 | $ 77,000 |
| Jackson County Georgia | 5 | $ 497,000 | $ 99,000 | $ 64,000 |
| Middlesex County Massachusetts | 5 | $ 1,246,000 | $ 249,000 | $ 125,000 |
| Wayne County Michigan | 5 | $ 960,000 | $ 192,000 | $ 95,000 |
| Mecklenburg County North Carolina | 5 | $ 1,047,000 | $ 209,000 | $ 123,000 |
| Wake County North Carolina | 5 | $ 1,187,000 | $ 237,000 | $ 117,000 |
| Cuyahoga County Ohio | 5 | $ 718,000 | $ 143,000 | $ 88,000 |
| Marion County Oregon | 5 | $ 852,000 | $ 170,000 | $ 106,000 |
| Washington County Oregon | 5 | $ 1,114,000 | $ 222,000 | $ 89,000 |
| Montgomery County Pennsylvania | 5 | $ 1,277,000 | $ 255,000 | $ 223,000 |
| York County South Carolina | 5 | $ 1,315,000 | $ 263,000 | $ 131,000 |
| Shelby County Tennessee | 5 | $ 1,447,000 | $ 289,000 | $ 111,000 |
| Harris County Texas | 5 | $ 662,000 | $ 132,000 | $ 72,000 |
| Loudoun County Virginia | 5 | $ 1,835,000 | $ 367,000 | $ 148,000 |
| Fresno County California | 4 | $ 1,097,000 | $ 274,000 | $ 84,000 |
| Kern County California | 4 | $ 1,044,000 | $ 261,000 | $ 238,000 |
| Marin County California | 4 | $ 1,443,000 | $ 360,000 | $ 185,000 |
| Sonoma County California | 4 | $ 1,417,000 | $ 354,000 | $ 121,000 |
| New Castle County Delaware | 4 | $ 850,000 | $ 212,000 | $ 104,000 |
| District of Columbia County District Of Columbia | 4 | $ 1,025,000 | $ 256,000 | $ 67,000 |
| Lee County Florida | 4 | $ 1,308,000 | $ 327,000 | $ 97,000 |
| Orange County Florida | 4 | $ 861,000 | $ 215,000 | $ 132,000 |
| Hall County Georgia | 4 | $ 348,000 | $ 87,000 | $ 49,000 |
| Ada County Idaho | 4 | $ 1,314,000 | $ 328,000 | $ 121,000 |
| Porter County Indiana | 4 | $ 682,000 | $ 170,000 | $ 50,000 |
| Essex County Massachusetts | 4 | $ 1,643,000 | $ 410,000 | $ 189,000 |
| Middlesex County New Jersey | 4 | $ 1,084,000 | $ 271,000 | $ 154,000 |
| Lexington County South Carolina | 4 | $ 731,000 | $ 182,000 | $ 65,000 |
| Davidson County Tennessee | 4 | $ 977,000 | $ 244,000 | $ 88,000 |
| Clark County Washington | 4 | $ 984,000 | $ 246,000 | $ 108,000 |
| Pierce County Washington | 4 | $ 971,000 | $ 242,000 | $ 141,000 |
| Madison County Alabama | 3 | $ 402,000 | $ 134,000 | $ 102,000 |
| Shelby County Alabama | 3 | $ 621,000 | $ 207,000 | $ 120,000 |
| Juneau County Alaska | 3 | $ 597,000 | $ 199,000 | $ 59,000 |
| Amador County California | 3 | $ 622,000 | $ 207,000 | $ 67,000 |
| Santa Cruz County California | 3 | $ 1,150,000 | $ 383,000 | $ 120,000 |
| El Paso County Colorado | 3 | $ 1,234,000 | $ 411,000 | $ 111,000 |
| Weld County Colorado | 3 | $ 627,000 | $ 209,000 | $ 98,000 |
| Fairfield County Connecticut | 3 | $ 1,049,000 | $ 349,000 | $ 109,000 |
| New Haven County Connecticut | 3 | $ 690,000 | $ 230,000 | $ 121,000 |
| Broward County Florida | 3 | $ 540,000 | $ 180,000 | $ 137,000 |
| Miami-Dade County Florida | 3 | $ 927,000 | $ 309,000 | $ 123,000 |
| Sarasota County Florida | 3 | $ 775,000 | $ 258,000 | $ 105,000 |
| Banks County Georgia | 3 | $ 202,000 | $ 67,000 | $ 39,000 |
| Madison County Georgia | 3 | $ 216,000 | $ 72,000 | $ 20,000 |
| Morgan County Georgia | 3 | $ 150,000 | $ 50,000 | $ 0 |
| Cook County Illinois | 3 | $ 673,000 | $ 224,000 | $ 94,000 |
| Lake County Illinois | 3 | $ 720,000 | $ 240,000 | $ 158,000 |
| Johnson County Kansas | 3 | $ 426,000 | $ 142,000 | $ 84,000 |
| Frederick County Maryland | 3 | $ 819,000 | $ 273,000 | $ 285,000 |
| Montgomery County Maryland | 3 | $ 870,000 | $ 290,000 | $ 116,000 |
| Macomb County Michigan | 3 | $ 778,000 | $ 259,000 | $ 119,000 |
| Anoka County Minnesota | 3 | $ 370,000 | $ 123,000 | $ 82,000 |
| Ramsey County Minnesota | 3 | $ 786,000 | $ 262,000 | $ 145,000 |
| Monmouth County New Jersey | 3 | $ 920,000 | $ 306,000 | $ 142,000 |
| Bernalillo County New Mexico | 3 | $ 546,000 | $ 182,000 | $ 115,000 |
| Lorain County Ohio | 3 | $ 717,000 | $ 239,000 | $ 196,000 |
| Deschutes County Oregon | 3 | $ 457,000 | $ 152,000 | $ 80,000 |
| Cumberland County Pennsylvania | 3 | $ 460,000 | $ 153,000 | $ 93,000 |
| Beaufort County South Carolina | 3 | $ 234,000 | $ 78,000 | $ 0 |
| Charleston County South Carolina | 3 | $ 971,000 | $ 323,000 | $ 92,000 |
| Knox County Tennessee | 3 | $ 300,000 | $ 100,000 | $ 142,000 |
| Williamson County Tennessee | 3 | $ 682,000 | $ 227,000 | $ 129,000 |
| Washington County Utah | 3 | $ 626,000 | $ 208,000 | $ 160,000 |
| Island County Washington | 3 | $ 813,000 | $ 271,000 | $ 103,000 |
| Stevens County Washington | 3 | $ 424,000 | $ 141,000 | $ 57,000 |
| Thurston County Washington | 3 | $ 716,000 | $ 238,000 | $ 70,000 |
| Anchorage County Alaska | 2 | $ 500,000 | $ 250,000 | $ 206,000 |
| Yavapai County Arizona | 2 | $ 384,000 | $ 192,000 | $ 140,000 |
| Butte County California | 2 | $ 415,000 | $ 207,000 | $ 105,000 |
| Madera County California | 2 | $ 252,000 | $ 126,000 | $ 56,000 |
| Napa County California | 2 | $ 923,000 | $ 461,000 | $ 193,000 |
| San Luis Obispo County California | 2 | $ 817,000 | $ 408,000 | $ 78,000 |
| Arapahoe County Colorado | 2 | $ 438,000 | $ 219,000 | $ 87,000 |
| Larimer County Colorado | 2 | $ 448,000 | $ 224,000 | $ 104,000 |
| New London County Connecticut | 2 | $ 366,000 | $ 183,000 | $ 65,000 |
| Collier County Florida | 2 | $ 392,000 | $ 196,000 | $ 106,000 |
| Flagler County Florida | 2 | $ 477,000 | $ 238,000 | $ 92,000 |
| St. Johns County Florida | 2 | $ 589,000 | $ 294,000 | $ 160,000 |
| Barrow County Georgia | 2 | $ 208,000 | $ 104,000 | $ 19,000 |
| Chatham County Georgia | 2 | $ 367,000 | $ 183,000 | $ 54,000 |
| Clarke County Georgia | 2 | $ 185,000 | $ 92,000 | $ 139,000 |
| Coweta County Georgia | 2 | $ 260,000 | $ 130,000 | $ 38,000 |
| Fayette County Georgia | 2 | $ 425,000 | $ 212,000 | $ 101,000 |
| Floyd County Georgia | 2 | $ 442,000 | $ 221,000 | $ 103,000 |
| Hart County Georgia | 2 | $ 70,000 | $ 35,000 | $ 0 |
| Houston County Georgia | 2 | $ 255,000 | $ 127,000 | $ 72,000 |
| Canyon County Idaho | 2 | $ 547,000 | $ 273,000 | $ 88,000 |
| Kootenai County Idaho | 2 | $ 714,000 | $ 357,000 | $ 98,000 |
| Marion County Indiana | 2 | $ 414,000 | $ 207,000 | $ 58,000 |
| Dallas County Iowa | 2 | $ 552,000 | $ 276,000 | $ 123,000 |
| Baltimore City County Maryland | 2 | $ 188,000 | $ 94,000 | $ 38,000 |
| Harford County Maryland | 2 | $ 626,000 | $ 313,000 | $ 211,000 |
| Howard County Maryland | 2 | $ 579,000 | $ 289,000 | $ 172,000 |
| Norfolk County Massachusetts | 2 | $ 545,000 | $ 272,000 | $ 82,000 |
| Kalamazoo County Michigan | 2 | $ 403,000 | $ 201,000 | $ 146,000 |
| Kent County Michigan | 2 | $ 200,000 | $ 100,000 | $ 94,000 |
| Washtenaw County Michigan | 2 | $ 560,000 | $ 280,000 | $ 145,000 |
| Carver County Minnesota | 2 | $ 545,000 | $ 272,000 | $ 156,000 |
| Madison County Mississippi | 2 | $ 210,000 | $ 105,000 | $ 265,000 |
| St. Louis County Missouri | 2 | $ 414,000 | $ 207,000 | $ 112,000 |
| Flathead County Montana | 2 | $ 411,000 | $ 205,000 | $ 89,000 |
| Lewis and Clark County Montana | 2 | $ 369,000 | $ 184,000 | $ 62,000 |
| Missoula County Montana | 2 | $ 372,000 | $ 186,000 | $ 54,000 |
| Douglas County Nevada | 2 | $ 551,000 | $ 275,000 | $ 86,000 |
| Morris County New Jersey | 2 | $ 466,000 | $ 233,000 | $ 118,000 |
| Santa Fe County New Mexico | 2 | $ 781,000 | $ 390,000 | $ 104,000 |
| Nassau County New York | 2 | $ 668,000 | $ 334,000 | $ 96,000 |
| Brunswick County North Carolina | 2 | $ 369,000 | $ 184,000 | $ 76,000 |
| Forsyth County North Carolina | 2 | $ 543,000 | $ 271,000 | $ 95,000 |
| Oklahoma County Oklahoma | 2 | $ 471,000 | $ 235,000 | $ 89,000 |
| Tulsa County Oklahoma | 2 | $ 316,000 | $ 158,000 | $ 38,000 |
| Clackamas County Oregon | 2 | $ 502,000 | $ 251,000 | $ 124,000 |
| Jackson County Oregon | 2 | $ 392,000 | $ 196,000 | $ 55,000 |
| Lane County Oregon | 2 | $ 476,000 | $ 238,000 | $ 86,000 |
| Polk County Oregon | 2 | $ 352,000 | $ 176,000 | $ 47,000 |
| Bucks County Pennsylvania | 2 | $ 424,000 | $ 212,000 | $ 100,000 |
| Dauphin County Pennsylvania | 2 | $ 295,000 | $ 147,000 | $ 100,000 |
| Lancaster County Pennsylvania | 2 | $ 351,000 | $ 175,000 | $ 110,000 |
| Spartanburg County South Carolina | 2 | $ 286,000 | $ 143,000 | $ 94,000 |
| Rutherford County Tennessee | 2 | $ 313,000 | $ 156,000 | $ 118,000 |
| Collin County Texas | 2 | $ 208,000 | $ 104,000 | $ 68,000 |
| Denton County Texas | 2 | $ 420,000 | $ 210,000 | $ 105,000 |
| Tarrant County Texas | 2 | $ 557,000 | $ 278,000 | $ 136,000 |
| Chittenden County Vermont | 2 | $ 570,000 | $ 285,000 | $ 111,000 |
| Charlottesville County Virginia | 2 | $ 424,000 | $ 212,000 | $ 165,000 |
| Frederick County Virginia | 2 | $ 421,000 | $ 210,000 | $ 59,000 |
| Rockingham County Virginia | 2 | $ 565,000 | $ 282,000 | $ 104,000 |
| Wise County Virginia | 2 | $ 475,000 | $ 237,000 | $ 84,000 |
| York County Virginia | 2 | $ 808,000 | $ 404,000 | $ 160,000 |
| Franklin County Washington | 2 | $ 338,000 | $ 169,000 | $ 117,000 |
| Kitsap County Washington | 2 | $ 454,000 | $ 227,000 | $ 124,000 |
| Spokane County Washington | 2 | $ 681,000 | $ 340,000 | $ 160,000 |
| Yakima County Washington | 2 | $ 460,000 | $ 230,000 | $ 71,000 |
| Dane County Wisconsin | 2 | $ 398,000 | $ 199,000 | $ 112,000 |
| Houston County Alabama | 1 | $ 142,000 | $ 142,000 | $ 80,000 |
| Limestone County Alabama | 1 | $ 170,000 | $ 170,000 | $ 104,000 |
| Marshall County Alabama | 1 | $ 91,000 | $ 91,000 | $ 30,000 |
| Montgomery County Alabama | 1 | $ 102,000 | $ 102,000 | $ 72,000 |
| Morgan County Alabama | 1 | $ 160,000 | $ 160,000 | $ 91,000 |
| St. Clair County Alabama | 1 | $ 153,000 | $ 153,000 | $ 224,000 |
| Valdez-Cordova County Alaska | 1 | $ 143,000 | $ 143,000 | $ 92,000 |
| Gila County Arizona | 1 | $ 200,000 | $ 200,000 | $ 170,000 |
| Mohave County Arizona | 1 | $ 158,000 | $ 158,000 | $ 177,000 |
| Yuma County Arizona | 1 | $ 161,000 | $ 161,000 | $ 114,000 |
| Benton County Arkansas | 1 | $ 380,000 | $ 380,000 | $ 175,000 |
| Garland County Arkansas | 1 | $ 176,000 | $ 176,000 | $ 36,000 |
| Poinsett County Arkansas | 1 | $ 198,000 | $ 198,000 | $ 0 |
| White County Arkansas | 1 | $ 139,000 | $ 139,000 | $ 31,000 |
| Calaveras County California | 1 | $ 159,000 | $ 159,000 | $ 40,000 |
| El Dorado County California | 1 | $ 159,000 | $ 159,000 | $ 159,000 |
| Kings County California | 1 | $ 92,000 | $ 92,000 | $ 33,000 |
| Mendocino County California | 1 | $ 274,000 | $ 274,000 | $ 72,000 |
| Monterey County California | 1 | $ 220,000 | $ 220,000 | $ 95,000 |
| San Benito County California | 1 | $ 295,000 | $ 295,000 | $ 136,000 |
| Shasta County California | 1 | $ 229,000 | $ 229,000 | $ 67,000 |
| Solano County California | 1 | $ 271,000 | $ 271,000 | $ 150,000 |
| Tulare County California | 1 | $ 224,000 | $ 224,000 | $ 99,000 |
| Adams County Colorado | 1 | $ 244,000 | $ 244,000 | $ 71,000 |
| Alamosa County Colorado | 1 | $ 141,000 | $ 141,000 | $ 204,000 |
| Boulder County Colorado | 1 | $ 88,000 | $ 88,000 | $ 160,000 |
| Denver County Colorado | 1 | $ 205,000 | $ 205,000 | $ 45,000 |
| Douglas County Colorado | 1 | $ 272,000 | $ 272,000 | $ 96,000 |
| Hartford County Connecticut | 1 | $ 159,000 | $ 159,000 | $ 71,000 |
| Litchfield County Connecticut | 1 | $ 221,000 | $ 221,000 | $ 85,000 |
| Kent County Delaware | 1 | $ 201,000 | $ 201,000 | $ 78,000 |
| Sussex County Delaware | 1 | $ 378,000 | $ 378,000 | $ 94,000 |
| Alachua County Florida | 1 | $ 149,000 | $ 149,000 | $ 99,000 |
| Charlotte County Florida | 1 | $ 130,000 | $ 130,000 | $ 143,000 |
| Citrus County Florida | 1 | $ 149,000 | $ 149,000 | $ 77,000 |
| Hernando County Florida | 1 | $ 273,000 | $ 273,000 | $ 136,000 |
| Hillsborough County Florida | 1 | $ 161,000 | $ 161,000 | $ 69,000 |
| Leon County Florida | 1 | $ 167,000 | $ 167,000 | $ 83,000 |
| Manatee County Florida | 1 | $ 150,000 | $ 150,000 | $ 41,000 |
| Pinellas County Florida | 1 | $ 385,000 | $ 385,000 | $ 106,000 |
| Polk County Florida | 1 | $ 96,000 | $ 96,000 | $ 113,000 |
| Seminole County Florida | 1 | $ 323,000 | $ 323,000 | $ 93,000 |
| Volusia County Florida | 1 | $ 139,000 | $ 139,000 | $ 48,000 |
| Bartow County Georgia | 1 | $ 90,000 | $ 90,000 | $ 18,000 |
| Columbia County Georgia | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Douglas County Georgia | 1 | $ 152,000 | $ 152,000 | $ 49,000 |
| Franklin County Georgia | 1 | $ 170,000 | $ 170,000 | $ 36,000 |
| Gordon County Georgia | 1 | $ 165,000 | $ 165,000 | $ 129,000 |
| Henry County Georgia | 1 | $ 92,000 | $ 92,000 | $ 2,000 |
| Jenkins County Georgia | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Lumpkin County Georgia | 1 | $ 601,000 | $ 601,000 | $ 17,000 |
| Miller County Georgia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Murray County Georgia | 1 | $ 101,000 | $ 101,000 | $ 46,000 |
| Muscogee County Georgia | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Newton County Georgia | 1 | $ 91,000 | $ 91,000 | $ 16,000 |
| Oconee County Georgia | 1 | $ 200,000 | $ 200,000 | $ 79,000 |
| Paulding County Georgia | 1 | $ 180,000 | $ 180,000 | $ 70,000 |
| Putnam County Georgia | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Rabun County Georgia | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Rockdale County Georgia | 1 | $ 41,000 | $ 41,000 | $ 36,000 |
| Thomas County Georgia | 1 | $ 216,000 | $ 216,000 | $ 122,000 |
| Walton County Georgia | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Gem County Idaho | 1 | $ 90,000 | $ 90,000 | $ 47,000 |
| Nez Perce County Idaho | 1 | $ 157,000 | $ 157,000 | $ 85,000 |
| Owyhee County Idaho | 1 | $ 200,000 | $ 200,000 | $ 148,000 |
| DeKalb County Illinois | 1 | $ 51,000 | $ 51,000 | $ 76,000 |
| DuPage County Illinois | 1 | $ 173,000 | $ 173,000 | $ 149,000 |
| Kane County Illinois | 1 | $ 399,000 | $ 399,000 | $ 141,000 |
| Will County Illinois | 1 | $ 296,000 | $ 296,000 | $ 70,000 |
| Boone County Indiana | 1 | $ 154,000 | $ 154,000 | $ 31,000 |
| Hamilton County Indiana | 1 | $ 306,000 | $ 306,000 | $ 135,000 |
| Lake County Indiana | 1 | $ 142,000 | $ 142,000 | $ 51,000 |
| Polk County Iowa | 1 | $ 320,000 | $ 320,000 | $ 171,000 |
| Washington County Iowa | 1 | $ 258,000 | $ 258,000 | $ 113,000 |
| Geary County Kansas | 1 | $ 204,000 | $ 204,000 | $ 92,000 |
| Wyandotte County Kansas | 1 | $ 82,000 | $ 82,000 | $ 77,000 |
| Boone County Kentucky | 1 | $ 133,000 | $ 133,000 | $ 54,000 |
| Campbell County Kentucky | 1 | $ 238,000 | $ 238,000 | $ 205,000 |
| Mercer County Kentucky | 1 | $ 121,000 | $ 121,000 | $ 65,000 |
| Calcasieu County Louisiana | 1 | $ 170,000 | $ 170,000 | $ 110,000 |
| Jefferson County Louisiana | 1 | $ 145,000 | $ 145,000 | $ 99,000 |
| Orleans County Louisiana | 1 | $ 86,000 | $ 86,000 | $ 69,000 |
| Ouachita County Louisiana | 1 | $ 265,000 | $ 265,000 | $ 120,000 |
| St. Tammany County Louisiana | 1 | $ 283,000 | $ 283,000 | $ 52,000 |
| West Baton Rouge County Louisiana | 1 | $ 192,000 | $ 192,000 | $ 65,000 |
| Kennebec County Maine | 1 | $ 120,000 | $ 120,000 | $ 0 |
| York County Maine | 1 | $ 252,000 | $ 252,000 | $ 62,000 |
| Baltimore County Maryland | 1 | $ 220,000 | $ 220,000 | $ 60,000 |
| Calvert County Maryland | 1 | $ 385,000 | $ 385,000 | $ 110,000 |
| Charles County Maryland | 1 | $ 642,000 | $ 642,000 | $ 120,000 |
| Suffolk County Massachusetts | 1 | $ 355,000 | $ 355,000 | $ 137,000 |
| Worcester County Massachusetts | 1 | $ 215,000 | $ 215,000 | $ 119,000 |
| Grand Traverse County Michigan | 1 | $ 198,000 | $ 198,000 | $ 166,000 |
| Houghton County Michigan | 1 | $ 200,000 | $ 200,000 | $ 77,000 |
| Lapeer County Michigan | 1 | $ 200,000 | $ 200,000 | $ 102,000 |
| Livingston County Michigan | 1 | $ 257,000 | $ 257,000 | $ 150,000 |
| Isanti County Minnesota | 1 | $ 191,000 | $ 191,000 | $ 101,000 |
| Pine County Minnesota | 1 | $ 89,000 | $ 89,000 | $ 101,000 |
| Washington County Minnesota | 1 | $ 196,000 | $ 196,000 | $ 60,000 |
| DeSoto County Mississippi | 1 | $ 82,000 | $ 82,000 | $ 23,000 |
| Harrison County Mississippi | 1 | $ 181,000 | $ 181,000 | $ 119,000 |
| Dallas County Missouri | 1 | $ 281,000 | $ 281,000 | $ 65,000 |
| Jackson County Missouri | 1 | $ 90,000 | $ 90,000 | $ 74,000 |
| Jasper County Missouri | 1 | $ 187,000 | $ 187,000 | $ 77,000 |
| Jefferson County Missouri | 1 | $ 152,000 | $ 152,000 | $ 136,000 |
| Johnson County Missouri | 1 | $ 155,000 | $ 155,000 | $ 68,000 |
| St. Charles County Missouri | 1 | $ 87,000 | $ 87,000 | $ 89,000 |
| Cascade County Montana | 1 | $ 172,000 | $ 172,000 | $ 53,000 |
| Gallatin County Montana | 1 | $ 206,000 | $ 206,000 | $ 56,000 |
| Jefferson County Montana | 1 | $ 259,000 | $ 259,000 | $ 43,000 |
| Lake County Montana | 1 | $ 282,000 | $ 282,000 | $ 71,000 |
| Silver Bow County Montana | 1 | $ 350,000 | $ 350,000 | $ 126,000 |
| Douglas County Nebraska | 1 | $ 151,000 | $ 151,000 | $ 87,000 |
| Lyon County Nevada | 1 | $ 160,000 | $ 160,000 | $ 64,000 |
| Hillsborough County New Hampshire | 1 | $ 101,000 | $ 101,000 | $ 59,000 |
| Rockingham County New Hampshire | 1 | $ 298,000 | $ 298,000 | $ 148,000 |
| Bergen County New Jersey | 1 | $ 200,000 | $ 200,000 | $ 63,000 |
| Camden County New Jersey | 1 | $ 315,000 | $ 315,000 | $ 92,000 |
| Cape May County New Jersey | 1 | $ 415,000 | $ 415,000 | $ 96,000 |
| Essex County New Jersey | 1 | $ 277,000 | $ 277,000 | $ 106,000 |
| Ocean County New Jersey | 1 | $ 248,000 | $ 248,000 | $ 101,000 |
| Somerset County New Jersey | 1 | $ 270,000 | $ 270,000 | $ 53,000 |
| Eddy County New Mexico | 1 | $ 170,000 | $ 170,000 | $ 86,000 |
| Queens County New York | 1 | $ 135,000 | $ 135,000 | $ 103,000 |
| Rockland County New York | 1 | $ 213,000 | $ 213,000 | $ 198,000 |
| Cabarrus County North Carolina | 1 | $ 136,000 | $ 136,000 | $ 34,000 |
| Cleveland County North Carolina | 1 | $ 247,000 | $ 247,000 | $ 118,000 |
| Cumberland County North Carolina | 1 | $ 102,000 | $ 102,000 | $ 86,000 |
| Davie County North Carolina | 1 | $ 90,000 | $ 90,000 | $ 79,000 |
| Guilford County North Carolina | 1 | $ 240,000 | $ 240,000 | $ 145,000 |
| Iredell County North Carolina | 1 | $ 230,000 | $ 230,000 | $ 107,000 |
| Johnston County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 62,000 |
| Moore County North Carolina | 1 | $ 191,000 | $ 191,000 | $ 93,000 |
| New Hanover County North Carolina | 1 | $ 214,000 | $ 214,000 | $ 90,000 |
| Orange County North Carolina | 1 | $ 282,000 | $ 282,000 | $ 109,000 |
| Pitt County North Carolina | 1 | $ 279,000 | $ 279,000 | $ 124,000 |
| Polk County North Carolina | 1 | $ 406,000 | $ 406,000 | $ 69,000 |
| Rutherford County North Carolina | 1 | $ 279,000 | $ 279,000 | $ 0 |
| Union County North Carolina | 1 | $ 298,000 | $ 298,000 | $ 97,000 |
| Brown County Ohio | 1 | $ 200,000 | $ 200,000 | $ 75,000 |
| Franklin County Ohio | 1 | $ 227,000 | $ 227,000 | $ 144,000 |
| Geauga County Ohio | 1 | $ 220,000 | $ 220,000 | $ 136,000 |
| Montgomery County Ohio | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Summit County Ohio | 1 | $ 90,000 | $ 90,000 | $ 30,000 |
| Wood County Ohio | 1 | $ 237,000 | $ 237,000 | $ 121,000 |
| Payne County Oklahoma | 1 | $ 112,000 | $ 112,000 | $ 189,000 |
| Pottawatomie County Oklahoma | 1 | $ 196,000 | $ 196,000 | $ 99,000 |
| Wallowa County Oregon | 1 | $ 249,000 | $ 249,000 | $ 68,000 |
| Allegheny County Pennsylvania | 1 | $ 192,000 | $ 192,000 | $ 130,000 |
| Beaver County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 148,000 |
| Chester County Pennsylvania | 1 | $ 290,000 | $ 290,000 | $ 128,000 |
| Columbia County Pennsylvania | 1 | $ 285,000 | $ 285,000 | $ 87,000 |
| Delaware County Pennsylvania | 1 | $ 397,000 | $ 397,000 | $ 77,000 |
| Erie County Pennsylvania | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Luzerne County Pennsylvania | 1 | $ 130,000 | $ 130,000 | $ 81,000 |
| Philadelphia County Pennsylvania | 1 | $ 266,000 | $ 266,000 | $ 231,000 |
| Washington County Pennsylvania | 1 | $ 266,000 | $ 266,000 | $ 102,000 |
| Westmoreland County Pennsylvania | 1 | $ 349,000 | $ 349,000 | $ 299,000 |
| Aiken County South Carolina | 1 | $ 220,000 | $ 220,000 | $ 78,000 |
| Anderson County South Carolina | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Dorchester County South Carolina | 1 | $ 340,000 | $ 340,000 | $ 88,000 |
| Georgetown County South Carolina | 1 | $ 367,000 | $ 367,000 | $ 136,000 |
| Greenville County South Carolina | 1 | $ 363,000 | $ 363,000 | $ 125,000 |
| Meade County South Dakota | 1 | $ 118,000 | $ 118,000 | $ 58,000 |
| Pennington County South Dakota | 1 | $ 172,000 | $ 172,000 | $ 73,000 |
| Blount County Tennessee | 1 | $ 257,000 | $ 257,000 | $ 102,000 |
| Cheatham County Tennessee | 1 | $ 200,000 | $ 200,000 | $ 72,000 |
| Hamilton County Tennessee | 1 | $ 97,000 | $ 97,000 | $ 67,000 |
| Humphreys County Tennessee | 1 | $ 72,000 | $ 72,000 | $ 33,000 |
| Marion County Tennessee | 1 | $ 240,000 | $ 240,000 | $ 105,000 |
| Weakley County Tennessee | 1 | $ 176,000 | $ 176,000 | $ 102,000 |
| Wilson County Tennessee | 1 | $ 216,000 | $ 216,000 | $ 75,000 |
| Bexar County Texas | 1 | $ 398,000 | $ 398,000 | $ 230,000 |
| Cass County Texas | 1 | $ 170,000 | $ 170,000 | $ 542,000 |
| Dallas County Texas | 1 | $ 161,000 | $ 161,000 | $ 146,000 |
| Galveston County Texas | 1 | $ 175,000 | $ 175,000 | $ 205,000 |
| Guadalupe County Texas | 1 | $ 153,000 | $ 153,000 | $ 126,000 |
| Montgomery County Texas | 1 | $ 338,000 | $ 338,000 | $ 120,000 |
| Iron County Utah | 1 | $ 237,000 | $ 237,000 | $ 187,000 |
| Tooele County Utah | 1 | $ 210,000 | $ 210,000 | $ 101,000 |
| Utah County Utah | 1 | $ 273,000 | $ 273,000 | $ 156,000 |
| Weber County Utah | 1 | $ 280,000 | $ 280,000 | $ 65,000 |
| Bennington County Vermont | 1 | $ 257,000 | $ 257,000 | $ 303,000 |
| Orleans County Vermont | 1 | $ 310,000 | $ 310,000 | $ 223,000 |
| Washington County Vermont | 1 | $ 352,000 | $ 352,000 | $ 161,000 |
| Alexandria County Virginia | 1 | $ 391,000 | $ 391,000 | $ 202,000 |
| Arlington County Virginia | 1 | $ 391,000 | $ 391,000 | $ 134,000 |
| Carroll County Virginia | 1 | $ 80,000 | $ 80,000 | $ 34,000 |
| Chesterfield County Virginia | 1 | $ 275,000 | $ 275,000 | $ 132,000 |
| Fauquier County Virginia | 1 | $ 314,000 | $ 314,000 | $ 106,000 |
| Fredericksburg County Virginia | 1 | $ 378,000 | $ 378,000 | $ 245,000 |
| Greene County Virginia | 1 | $ 115,000 | $ 115,000 | $ 150,000 |
| Hampton County Virginia | 1 | $ 243,000 | $ 243,000 | $ 0 |
| Henrico County Virginia | 1 | $ 306,000 | $ 306,000 | $ 200,000 |
| Isle of Wight County Virginia | 1 | $ 370,000 | $ 370,000 | $ 89,000 |
| James City County Virginia | 1 | $ 375,000 | $ 375,000 | $ 85,000 |
| Madison County Virginia | 1 | $ 238,000 | $ 238,000 | $ 53,000 |
| Pulaski County Virginia | 1 | $ 235,000 | $ 235,000 | $ 96,000 |
| Richmond City County Virginia | 1 | $ 101,000 | $ 101,000 | $ 84,000 |
| Stafford County Virginia | 1 | $ 389,000 | $ 389,000 | $ 184,000 |
| Williamsburg County Virginia | 1 | $ 379,000 | $ 379,000 | $ 98,000 |
| Benton County Washington | 1 | $ 206,000 | $ 206,000 | $ 105,000 |
| Chelan County Washington | 1 | $ 186,000 | $ 186,000 | $ 82,000 |
| Grant County Washington | 1 | $ 115,000 | $ 115,000 | $ 88,000 |
| Lewis County Washington | 1 | $ 342,000 | $ 342,000 | $ 107,000 |
| Pacific County Washington | 1 | $ 147,000 | $ 147,000 | $ 108,000 |
| Skagit County Washington | 1 | $ 143,000 | $ 143,000 | $ 73,000 |
| Kenosha County Wisconsin | 1 | $ 118,000 | $ 118,000 | $ 69,000 |
| Waukesha County Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 120,000 |
| Sheridan County Wyoming | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for First Century Bank, National Association in 2013
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 | 1,116 | $291,406,000 | $261,000 | $972,000 | $114,000 | $1,231,000 |
| Home Purchase | 266 | $87,228,000 | $327,000 | $815,000 | $127,000 | $1,133,000 |
| Home Improvement | 183 | $63,942,000 | $349,000 | $742,000 | $130,000 | $962,000 |
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 | 834 | $222,398,000 | $266,000 | $742,000 | $116,000 | $1,231,000 |
| Asian | 388 | $131,940,000 | $340,000 | $815,000 | $127,000 | $783,000 |
| Not Provided | 208 | $54,119,000 | $260,000 | $615,000 | $114,000 | $600,000 |
| Hispanic | 77 | $19,691,000 | $255,000 | $972,000 | $108,000 | $494,000 |
| Black or African American | 37 | $7,795,000 | $210,000 | $489,000 | $102,000 | $542,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $5,740,000 | $318,000 | $713,000 | $112,000 | $325,000 |
| American Indian or Alaskan Native | 3 | $893,000 | $297,000 | $359,000 | $174,000 | $280,000 |
| Not applicable | 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) | 1,428 | $416,256,000 | $291,000 | $972,000 | $123,000 | $1,231,000 |
| FHA-insured (Federal Housing Administration) | 91 | $15,525,000 | $170,000 | $608,000 | $57,000 | $225,000 |
| VA-guaranteed (Veterans Administration) | 44 | $10,489,000 | $238,000 | $598,000 | $75,000 | $184,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $306,000 | $153,000 | $179,000 | $71,000 | $72,000 |
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 | 1,050 | $304,155,000 | $289,000 | $972,000 | $123,000 | $1,231,000 |
| Application Denied By Financial Institution | 281 | $78,701,000 | $280,000 | $742,000 | $110,000 | $641,000 |
| Application Withdrawn By Applicant | 174 | $44,666,000 | $256,000 | $642,000 | $100,000 | $492,000 |
| File Closed For Incompleteness | 42 | $9,549,000 | $227,000 | $520,000 | $118,000 | $600,000 |
| Application Approved But Not Accepted | 18 | $5,505,000 | $305,000 | $584,000 | $149,000 | $541,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 100 | $31,164,000 | $311,000 | $626,000 | $144,000 | $641,000 |
| Debt-To-Income Ratio | 71 | $20,047,000 | $282,000 | $626,000 | $71,000 | $200,000 |
| Collateral | 53 | $12,700,000 | $239,000 | $585,000 | $107,000 | $287,000 |
| Other | 18 | $4,912,000 | $272,000 | $742,000 | $128,000 | $318,000 |
| Credit History | 15 | $2,973,000 | $198,000 | $521,000 | $105,000 | $542,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $2,390,000 | $265,000 | $517,000 | $69,000 | $123,000 |
| Unverifiable Information | 7 | $2,527,000 | $361,000 | $577,000 | $101,000 | $148,000 |
| Employment History | 7 | $1,679,000 | $239,000 | $417,000 | $66,000 | $120,000 |
| Mortgage Insurance Denied | 1 | $309,000 | $309,000 | $309,000 | $108,000 | $108,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Century Bank, National Association's 2013 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.