First Century Bank, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
First Century Bank, National Association 2015 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 | 1,212 |
| Total Mortgage Loan Application Amount | $455,493,000 |
| Average Mortgage Loan Application Amount | $374,000 |
| Highest Mortgage Loan Application Amount | $1,642,000 |
| Average Applicant Income | $123,666 |
| Highest Applicant Income | $1,190,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| 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 | 203 | $ 92,986,000 | $ 458,000 | $ 130,000 |
| Los Angeles County California | 100 | $ 38,059,000 | $ 380,000 | $ 136,000 |
| Sacramento County California | 83 | $ 21,112,000 | $ 254,000 | $ 88,000 |
| Santa Barbara County California | 77 | $ 28,377,000 | $ 368,000 | $ 107,000 |
| Orange County California | 67 | $ 29,112,000 | $ 434,000 | $ 145,000 |
| Alameda County California | 54 | $ 22,898,000 | $ 424,000 | $ 140,000 |
| San Bernardino County California | 46 | $ 12,759,000 | $ 277,000 | $ 130,000 |
| Santa Clara County California | 37 | $ 15,044,000 | $ 406,000 | $ 146,000 |
| Placer County California | 36 | $ 13,197,000 | $ 366,000 | $ 104,000 |
| San Francisco County California | 35 | $ 16,633,000 | $ 475,000 | $ 149,000 |
| San Diego County California | 34 | $ 13,641,000 | $ 401,000 | $ 108,000 |
| Queens County New York | 34 | $ 14,660,000 | $ 431,000 | $ 97,000 |
| San Mateo County California | 28 | $ 12,016,000 | $ 429,000 | $ 242,000 |
| Contra Costa County California | 27 | $ 10,454,000 | $ 387,000 | $ 110,000 |
| Kauai County Hawaii | 26 | $ 10,403,000 | $ 400,000 | $ 127,000 |
| Ventura County California | 20 | $ 7,280,000 | $ 364,000 | $ 128,000 |
| Richmond County New York | 20 | $ 6,678,000 | $ 333,000 | $ 105,000 |
| Nassau County New York | 19 | $ 7,015,000 | $ 369,000 | $ 133,000 |
| Suffolk County New York | 16 | $ 4,076,000 | $ 254,000 | $ 98,000 |
| Riverside County California | 14 | $ 3,745,000 | $ 267,000 | $ 63,000 |
| Kings County New York | 14 | $ 6,251,000 | $ 446,000 | $ 131,000 |
| Marin County California | 11 | $ 5,304,000 | $ 482,000 | $ 100,000 |
| Solano County California | 11 | $ 2,917,000 | $ 265,000 | $ 64,000 |
| Sonoma County California | 11 | $ 3,196,000 | $ 290,000 | $ 113,000 |
| Fresno County California | 10 | $ 1,867,000 | $ 186,000 | $ 76,000 |
| Santa Cruz County California | 10 | $ 3,949,000 | $ 394,000 | $ 132,000 |
| Westchester County New York | 10 | $ 3,946,000 | $ 394,000 | $ 163,000 |
| San Luis Obispo County California | 9 | $ 3,792,000 | $ 421,000 | $ 129,000 |
| Kern County California | 8 | $ 2,270,000 | $ 283,000 | $ 109,000 |
| El Dorado County California | 7 | $ 2,050,000 | $ 292,000 | $ 87,000 |
| Yolo County California | 7 | $ 2,011,000 | $ 287,000 | $ 157,000 |
| Monterey County California | 6 | $ 1,870,000 | $ 311,000 | $ 157,000 |
| Broward County Florida | 6 | $ 1,285,000 | $ 214,000 | $ 189,000 |
| Hillsborough County Florida | 5 | $ 1,394,000 | $ 278,000 | $ 295,000 |
| Maui County Hawaii | 5 | $ 2,071,000 | $ 414,000 | $ 185,000 |
| Lee County Florida | 4 | $ 607,000 | $ 151,000 | $ 41,000 |
| Hall County Georgia | 4 | $ 279,000 | $ 69,000 | $ 61,000 |
| Monmouth County New Jersey | 4 | $ 1,491,000 | $ 372,000 | $ 156,000 |
| Shasta County California | 3 | $ 470,000 | $ 156,000 | $ 130,000 |
| Hawaii County Hawaii | 3 | $ 1,074,000 | $ 358,000 | $ 92,000 |
| Bronx County New York | 3 | $ 732,000 | $ 244,000 | $ 86,000 |
| Rockland County New York | 3 | $ 732,000 | $ 244,000 | $ 130,000 |
| Prince William County Virginia | 3 | $ 1,040,000 | $ 346,000 | $ 0 |
| Maricopa County Arizona | 2 | $ 322,000 | $ 161,000 | $ 101,000 |
| Amador County California | 2 | $ 610,000 | $ 305,000 | $ 90,000 |
| Butte County California | 2 | $ 438,000 | $ 219,000 | $ 85,000 |
| Merced County California | 2 | $ 197,000 | $ 98,000 | $ 38,000 |
| Napa County California | 2 | $ 834,000 | $ 417,000 | $ 82,000 |
| Nevada County California | 2 | $ 947,000 | $ 473,000 | $ 149,000 |
| San Joaquin County California | 2 | $ 562,000 | $ 281,000 | $ 86,000 |
| Stanislaus County California | 2 | $ 618,000 | $ 309,000 | $ 0 |
| Miami-Dade County Florida | 2 | $ 773,000 | $ 386,000 | $ 268,000 |
| Anne Arundel County Maryland | 2 | $ 781,000 | $ 390,000 | $ 0 |
| Bergen County New Jersey | 2 | $ 577,000 | $ 288,000 | $ 93,000 |
| Dutchess County New York | 2 | $ 479,000 | $ 239,000 | $ 72,000 |
| New York County New York | 2 | $ 876,000 | $ 438,000 | $ 374,000 |
| Orange County New York | 2 | $ 394,000 | $ 197,000 | $ 97,000 |
| Fairfax County Virginia | 2 | $ 1,285,000 | $ 642,000 | $ 0 |
| Hampton County Virginia | 2 | $ 455,000 | $ 227,000 | $ 38,000 |
| Loudoun County Virginia | 2 | $ 931,000 | $ 465,000 | $ 0 |
| Suffolk County Virginia | 2 | $ 466,000 | $ 233,000 | $ 0 |
| Del Norte County California | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Humboldt County California | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Kings County California | 1 | $ 214,000 | $ 214,000 | $ 86,000 |
| Mono County California | 1 | $ 255,000 | $ 255,000 | $ 188,000 |
| Yuba County California | 1 | $ 250,000 | $ 250,000 | $ 91,000 |
| Larimer County Colorado | 1 | $ 524,000 | $ 524,000 | $ 140,000 |
| Fairfield County Connecticut | 1 | $ 369,000 | $ 369,000 | $ 259,000 |
| Charlotte County Florida | 1 | $ 143,000 | $ 143,000 | $ 60,000 |
| Leon County Florida | 1 | $ 318,000 | $ 318,000 | $ 0 |
| Manatee County Florida | 1 | $ 222,000 | $ 222,000 | $ 177,000 |
| Pasco County Florida | 1 | $ 163,000 | $ 163,000 | $ 52,000 |
| Pinellas County Florida | 1 | $ 397,000 | $ 397,000 | $ 121,000 |
| Santa Rosa County Florida | 1 | $ 303,000 | $ 303,000 | $ 0 |
| Sarasota County Florida | 1 | $ 227,000 | $ 227,000 | $ 0 |
| Seminole County Florida | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Cherokee County Georgia | 1 | $ 1,400,000 | $ 1,400,000 | $ 0 |
| DeKalb County Georgia | 1 | $ 408,000 | $ 408,000 | $ 256,000 |
| Houston County Georgia | 1 | $ 42,000 | $ 42,000 | $ 73,000 |
| Wilkes County Georgia | 1 | $ 46,000 | $ 46,000 | $ 20,000 |
| Carroll County Maryland | 1 | $ 446,000 | $ 446,000 | $ 0 |
| Harford County Maryland | 1 | $ 322,000 | $ 322,000 | $ 0 |
| Prince George's County Maryland | 1 | $ 307,000 | $ 307,000 | $ 0 |
| St. Mary's County Maryland | 1 | $ 451,000 | $ 451,000 | $ 0 |
| Clark County Nevada | 1 | $ 231,000 | $ 231,000 | $ 376,000 |
| Washoe County Nevada | 1 | $ 199,000 | $ 199,000 | $ 51,000 |
| Essex County New Jersey | 1 | $ 330,000 | $ 330,000 | $ 130,000 |
| Hudson County New Jersey | 1 | $ 280,000 | $ 280,000 | $ 33,000 |
| Middlesex County New Jersey | 1 | $ 250,000 | $ 250,000 | $ 85,000 |
| Ocean County New Jersey | 1 | $ 500,000 | $ 500,000 | $ 524,000 |
| Union County New Jersey | 1 | $ 386,000 | $ 386,000 | $ 99,000 |
| Greene County New York | 1 | $ 116,000 | $ 116,000 | $ 221,000 |
| Monroe County New York | 1 | $ 126,000 | $ 126,000 | $ 48,000 |
| Putnam County New York | 1 | $ 417,000 | $ 417,000 | $ 155,000 |
| Sullivan County New York | 1 | $ 224,000 | $ 224,000 | $ 90,000 |
| Warren County New York | 1 | $ 171,000 | $ 171,000 | $ 120,000 |
| Cache County Utah | 1 | $ 220,000 | $ 220,000 | $ 85,000 |
| Salt Lake County Utah | 1 | $ 298,000 | $ 298,000 | $ 95,000 |
| Alexandria County Virginia | 1 | $ 631,000 | $ 631,000 | $ 0 |
| Chesapeake County Virginia | 1 | $ 339,000 | $ 339,000 | $ 0 |
| Newport News County Virginia | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Virginia Beach County Virginia | 1 | $ 271,000 | $ 271,000 | $ 0 |
| King County Washington | 1 | $ 382,000 | $ 382,000 | $ 0 |
| Thurston County Washington | 1 | $ 202,000 | $ 202,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Century Bank, National Association in 2015
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 | 502 | $193,604,000 | $385,000 | $1,400,000 | $116,000 | $1,095,000 |
| Home Purchase | 389 | $143,164,000 | $368,000 | $1,642,000 | $132,000 | $1,190,000 |
| Home Improvement | 321 | $118,725,000 | $369,000 | $1,000,000 | $123,000 | $730,000 |
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 | 486 | $174,936,000 | $359,000 | $1,052,000 | $120,000 | $1,190,000 |
| Asian | 420 | $167,440,000 | $398,000 | $1,642,000 | $144,000 | $1,095,000 |
| Hispanic | 132 | $42,842,000 | $324,000 | $707,000 | $86,000 | $376,000 |
| Not Provided | 110 | $46,414,000 | $421,000 | $1,040,000 | $127,000 | $570,000 |
| Black or African American | 37 | $11,084,000 | $299,000 | $543,000 | $61,000 | $271,000 |
| Native Hawaiian or Other Pacific Islander | 19 | $9,471,000 | $498,000 | $1,000,000 | $102,000 | $184,000 |
| American Indian or Alaskan Native | 6 | $1,858,000 | $309,000 | $536,000 | $55,000 | $90,000 |
| Not applicable | 2 | $1,448,000 | $724,000 | $1,400,000 | $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) | 928 | $348,620,000 | $375,000 | $1,400,000 | $138,000 | $1,190,000 |
| FHA-insured (Federal Housing Administration) | 146 | $51,113,000 | $350,000 | $636,000 | $81,000 | $339,000 |
| VA-guaranteed (Veterans Administration) | 137 | $55,564,000 | $405,000 | $1,642,000 | $61,000 | $687,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $196,000 | $196,000 | $196,000 | $94,000 | $94,000 |
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 | 1,054 | $392,056,000 | $371,000 | $1,400,000 | $124,000 | $1,190,000 |
| Application Denied By Financial Institution | 112 | $44,902,000 | $400,000 | $1,642,000 | $116,000 | $687,000 |
| Application Withdrawn By Applicant | 22 | $10,510,000 | $477,000 | $1,110,000 | $119,000 | $260,000 |
| Application Approved But Not Accepted | 18 | $6,256,000 | $347,000 | $566,000 | $101,000 | $227,000 |
| File Closed For Incompleteness | 6 | $1,769,000 | $294,000 | $468,000 | $68,000 | $132,000 |
| 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 | 57 | $23,065,000 | $404,000 | $1,052,000 | $119,000 | $438,000 |
| Debt-To-Income Ratio | 20 | $8,203,000 | $410,000 | $968,000 | $93,000 | $331,000 |
| Other | 16 | $7,258,000 | $453,000 | $1,642,000 | $146,000 | $687,000 |
| Collateral | 7 | $2,460,000 | $351,000 | $713,000 | $140,000 | $267,000 |
| Unverifiable Information | 5 | $2,389,000 | $477,000 | $691,000 | $112,000 | $213,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $818,000 | $204,000 | $235,000 | $84,000 | $134,000 |
| Credit History | 2 | $359,000 | $179,000 | $250,000 | $47,000 | $56,000 |
| Employment History | 1 | $350,000 | $350,000 | $350,000 | $24,000 | $24,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Century Bank, National Association's 2015 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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