First Century Bank, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
First Century Bank, National Association 2008 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 | 667 |
| Total Mortgage Loan Application Amount | $133,203,000 |
| Average Mortgage Loan Application Amount | $141,000 |
| Highest Mortgage Loan Application Amount | $881,000 |
| Average Applicant Income | $86,333 |
| Highest Applicant Income | $964,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| GAINESVILLE, GA | 31 | $ 4,573,000 | $ 147,000 | $ 76,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 28 | $ 5,319,000 | $ 189,000 | $ 84,000 |
| HOUSTON-SUGAR LAND-BAYTOWN, TX | 16 | $ 3,082,000 | $ 192,000 | $ 95,000 |
| ATHENS-CLARKE COUNTY, GA | 12 | $ 1,135,000 | $ 94,000 | $ 58,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 12 | $ 3,258,000 | $ 271,000 | $ 126,000 |
| LAS VEGAS-PARADISE, NV | 10 | $ 2,657,000 | $ 265,000 | $ 139,000 |
| NEW ORLEANS-METAIRIE-KENNER, LA | 10 | $ 1,941,000 | $ 194,000 | $ 92,000 |
| KANSAS CITY, MO-KS | 8 | $ 1,516,000 | $ 206,000 | $ 87,500 |
| ALBUQUERQUE, NM | 7 | $ 1,464,000 | $ 209,000 | $ 112,000 |
| BATON ROUGE, LA | 6 | $ 1,486,000 | $ 247,000 | $ 96,000 |
| SALT LAKE CITY, UT | 6 | $ 1,349,000 | $ 224,000 | $ 90,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 6 | $ 1,606,000 | $ 267,000 | $ 89,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 5 | $ 821,000 | $ 164,000 | $ 96,000 |
| INDIANAPOLIS-CARMEL, IN | 5 | $ 614,000 | $ 122,000 | $ 63,000 |
| LOUISVILLE-JEFFERSON COUNTY, KY-IN | 5 | $ 1,000,000 | $ 200,000 | $ 166,000 |
| MOBILE, AL | 5 | $ 951,000 | $ 190,000 | $ 78,000 |
| BOISE CITY-NAMPA, ID | 4 | $ 618,000 | $ 154,000 | $ 56,000 |
| BURLINGTON-SOUTH BURLINGTON, VT | 4 | $ 617,000 | $ 154,000 | $ 81,000 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 4 | $ 893,000 | $ 255,500 | $ 152,000 |
| PITTSBURGH, PA | 4 | $ 902,000 | $ 225,000 | $ 113,000 |
| RENO-SPARKS, NV | 4 | $ 1,199,000 | $ 299,000 | $ 165,000 |
| RICHMOND, VA | 4 | $ 1,097,000 | $ 274,000 | $ 87,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 4 | $ 1,074,000 | $ 268,000 | $ 96,000 |
| ANCHORAGE, AK | 3 | $ 1,056,000 | $ 352,000 | $ 209,000 |
| DENVER-AURORA, CO | 3 | $ 695,000 | $ 231,000 | $ 59,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 3 | $ 605,000 | $ 201,000 | $ 81,000 |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 3 | $ 440,000 | $ 146,000 | $ 65,000 |
| MONTGOMERY, AL | 3 | $ 380,000 | $ 126,000 | $ 63,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 3 | $ 877,000 | $ 292,000 | $ 118,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 3 | $ 357,000 | $ 119,000 | $ 53,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 3 | $ 430,000 | $ 143,000 | $ 72,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 3 | $ 797,000 | $ 265,000 | $ 96,000 |
| WICHITA, KS | 3 | $ 284,000 | $ 94,000 | $ 114,000 |
| ALBANY-SCHENECTADY-TROY, NY | 2 | $ 328,000 | $ 164,000 | $ 76,000 |
| ANNISTON-OXFORD, AL | 2 | $ 265,000 | $ 132,000 | $ 72,000 |
| AUSTIN-ROUND ROCK, TX | 2 | $ 478,000 | $ 239,000 | $ 72,000 |
| BIRMINGHAM-HOOVER, AL | 2 | $ 354,000 | $ 177,000 | $ 45,000 |
| CHARLESTON-NORTH CHARLESTON-SUMMERVILLE, SC | 2 | $ 395,000 | $ 197,000 | $ 95,000 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 2 | $ 338,000 | $ 169,000 | $ 54,000 |
| CHARLOTTESVILLE, VA | 2 | $ 216,000 | $ 108,000 | $ 130,000 |
| COLORADO SPRINGS, CO | 2 | $ 459,000 | $ 229,000 | $ 73,000 |
| COLUMBIA, SC | 2 | $ 400,000 | $ 200,000 | $ 110,000 |
| COLUMBUS, OH | 2 | $ 205,000 | $ 102,000 | $ 40,000 |
| DURHAM, NC | 2 | $ 530,000 | $ 265,000 | $ 238,000 |
| GREENVILLE-MAULDIN-EASLEY, SC | 2 | $ 303,000 | $ 151,000 | $ 32,000 |
| GULFPORT-BILOXI, MS | 2 | $ 326,000 | $ 163,000 | $ 70,000 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 2 | $ 144,000 | $ 72,000 | $ 60,500 |
| JACKSONVILLE, FL | 2 | $ 205,000 | $ 102,000 | $ 59,000 |
| LINCOLN, NE | 2 | $ 392,000 | $ 196,000 | $ 85,000 |
| MADISON, WI | 2 | $ 422,000 | $ 211,000 | $ 106,000 |
| OGDEN-CLEARFIELD, UT | 2 | $ 421,000 | $ 210,000 | $ 72,000 |
| OKLAHOMA CITY, OK | 2 | $ 493,000 | $ 246,000 | $ 76,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 2 | $ 661,000 | $ 330,000 | $ 138,000 |
| PALM COAST, FL | 2 | $ 344,000 | $ 172,000 | $ 57,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 2 | $ 348,000 | $ 174,000 | $ 77,000 |
| PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 2 | $ 583,000 | $ 291,500 | $ 78,500 |
| RALEIGH-CARY, NC | 2 | $ 603,000 | $ 301,000 | $ 124,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 2 | $ 454,000 | $ 227,000 | $ 138,000 |
| ST. LOUIS, MO-IL | 2 | $ 238,000 | $ 119,000 | $ 42,500 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 2 | $ 367,000 | $ 183,000 | $ 63,000 |
| TRENTON-EWING, NJ | 2 | $ 390,000 | $ 195,000 | $ 77,000 |
| YORK-HANOVER, PA | 2 | $ 525,000 | $ 262,000 | $ 95,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 2 | $ 468,000 | $ 234,000 | $ 141,000 |
| AKRON, OH | 1 | $ 180,000 | $ 180,000 | $ 55,000 |
| ANN ARBOR, MI | 1 | $ 138,000 | $ 138,000 | $ 100,000 |
| ATLANTIC CITY-HAMMONTON, NJ | 1 | $ 295,000 | $ 295,000 | $ 80,000 |
| BALTIMORE-TOWSON, MD | 1 | $ 281,000 | $ 281,000 | $ 60,000 |
| BATTLE CREEK, MI | 1 | $ 250,000 | $ 250,000 | $ 21,000 |
| BELLINGHAM, WA | 1 | $ 350,000 | $ 350,000 | $ 142,000 |
| BINGHAMTON, NY | 1 | $ 100,000 | $ 100,000 | $ 0 |
| BOULDER, CO | 1 | $ 308,000 | $ 308,000 | $ 146,000 |
| BREMERTON-SILVERDALE, WA | 1 | $ 150,000 | $ 150,000 | $ 68,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 1 | $ 316,000 | $ 316,000 | $ 120,000 |
| BROWNSVILLE-HARLINGEN, TX | 1 | $ 102,000 | $ 102,000 | $ 118,000 |
| BUFFALO-NIAGARA FALLS, NY | 1 | $ 63,000 | $ 63,000 | $ 120,000 |
| CANTON-MASSILLON, OH | 1 | $ 75,000 | $ 75,000 | $ 57,000 |
| CASPER, WY | 1 | $ 225,000 | $ 225,000 | $ 78,000 |
| COEUR D'ALENE, ID | 1 | $ 304,000 | $ 304,000 | $ 103,000 |
| DES MOINES-WEST DES MOINES, IA | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| DULUTH, MN-WI | 1 | $ 90,000 | $ 90,000 | $ 37,000 |
| EL PASO, TX | 1 | $ 119,000 | $ 119,000 | $ 63,000 |
| EVANSVILLE, IN-KY | 1 | $ 250,000 | $ 250,000 | $ 125,000 |
| FAIRBANKS, AK | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| FAYETTEVILLE, NC | 1 | $ 193,000 | $ 193,000 | $ 70,000 |
| FLINT, MI | 1 | $ 75,000 | $ 75,000 | $ 0 |
| FORT COLLINS-LOVELAND, CO | 1 | $ 139,000 | $ 139,000 | $ 29,000 |
| FORT SMITH, AR-OK | 1 | $ 220,000 | $ 220,000 | $ 71,000 |
| FORT WAYNE, IN | 1 | $ 182,000 | $ 182,000 | $ 99,000 |
| GADSDEN, AL | 1 | $ 62,000 | $ 62,000 | $ 38,000 |
| GREENVILLE, NC | 1 | $ 107,000 | $ 107,000 | $ 30,000 |
| HARRISBURG-CARLISLE, PA | 1 | $ 60,000 | $ 60,000 | $ 17,000 |
| HATTIESBURG, MS | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| HOLLAND-GRAND HAVEN, MI | 1 | $ 151,000 | $ 151,000 | $ 140,000 |
| HOUMA-BAYOU CANE-THIBODAUX, LA | 1 | $ 176,000 | $ 176,000 | $ 60,000 |
| IOWA CITY, IA | 1 | $ 300,000 | $ 300,000 | $ 136,000 |
| JACKSON, MS | 1 | $ 185,000 | $ 185,000 | $ 64,000 |
| JONESBORO, AR | 1 | $ 108,000 | $ 108,000 | $ 37,000 |
| JOPLIN, MO | 1 | $ 66,000 | $ 66,000 | $ 41,000 |
| KILLEEN-TEMPLE-FORT HOOD, TX | 1 | $ 130,000 | $ 130,000 | $ 58,000 |
| LAFAYETTE, LA | 1 | $ 152,000 | $ 152,000 | $ 45,000 |
| LAKE CHARLES, LA | 1 | $ 152,000 | $ 152,000 | $ 165,000 |
| LANSING-EAST LANSING, MI | 1 | $ 214,000 | $ 214,000 | $ 93,000 |
| LEWISTON, ID-WA | 1 | $ 413,000 | $ 413,000 | $ 400,000 |
| LEXINGTON-FAYETTE, KY | 1 | $ 98,000 | $ 98,000 | $ 37,000 |
| LIMA, OH | 1 | $ 75,000 | $ 75,000 | $ 263,000 |
| MACON, GA | 1 | $ 87,000 | $ 87,000 | $ 30,000 |
| MADERA, CA | 1 | $ 204,000 | $ 204,000 | $ 53,000 |
| MERCED, CA | 1 | $ 130,000 | $ 130,000 | $ 122,000 |
| MIDLAND, TX | 1 | $ 417,000 | $ 417,000 | $ 568,000 |
| MONROE, LA | 1 | $ 130,000 | $ 130,000 | $ 96,000 |
| MORGANTOWN, WV | 1 | $ 157,000 | $ 157,000 | $ 43,000 |
| ORLANDO-KISSIMMEE, FL | 1 | $ 294,000 | $ 294,000 | $ 223,000 |
| PANAMA CITY-LYNN HAVEN, FL | 1 | $ 212,000 | $ 212,000 | $ 110,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 1 | $ 261,000 | $ 261,000 | $ 81,000 |
| PORTLAND-SOUTH PORTLAND-BIDDEFORD, ME | 1 | $ 296,000 | $ 296,000 | $ 110,000 |
| PROVO-OREM, UT | 1 | $ 110,000 | $ 110,000 | $ 33,000 |
| RACINE, WI | 1 | $ 177,000 | $ 177,000 | $ 89,000 |
| RAPID CITY, SD | 1 | $ 417,000 | $ 417,000 | $ 423,000 |
| ROCHESTER, NY | 1 | $ 88,000 | $ 88,000 | $ 46,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 1 | $ 165,000 | $ 165,000 | $ 0 |
| SAN LUIS OBISPO-PASO ROBLES, CA | 1 | $ 248,000 | $ 248,000 | $ 58,000 |
| SCRANTON--WILKES-BARRE, PA | 1 | $ 219,000 | $ 219,000 | $ 85,000 |
| SHREVEPORT-BOSSIER CITY, LA | 1 | $ 240,000 | $ 240,000 | $ 58,000 |
| SPOKANE, WA | 1 | $ 100,000 | $ 100,000 | $ 38,000 |
| SPRINGFIELD, MO | 1 | $ 81,000 | $ 81,000 | $ 55,000 |
| ST. GEORGE, UT | 1 | $ 175,000 | $ 175,000 | $ 40,000 |
| ST. JOSEPH, MO-KS | 1 | $ 200,000 | $ 200,000 | $ 104,000 |
| STOCKTON, CA | 1 | $ 272,000 | $ 272,000 | $ 100,000 |
| TUCSON, AZ | 1 | $ 130,000 | $ 130,000 | $ 63,000 |
| TULSA, OK | 1 | $ 112,000 | $ 112,000 | $ 168,000 |
| UTICA-ROME, NY | 1 | $ 155,000 | $ 155,000 | $ 105,000 |
| VALLEJO-FAIRFIELD, CA | 1 | $ 285,000 | $ 285,000 | $ 80,000 |
| VICTORIA, TX | 1 | $ 63,000 | $ 63,000 | $ 48,000 |
| WACO, TX | 1 | $ 164,000 | $ 164,000 | $ 60,000 |
| WARNER ROBINS, GA | 1 | $ 123,000 | $ 123,000 | $ 156,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 1 | $ 161,000 | $ 161,000 | $ 45,000 |
| WORCESTER, MA | 1 | $ 280,000 | $ 280,000 | $ 89,000 |
Mortgage Loan Application Detail Totals for First Century Bank, National Association in 2008
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 333 | $62,679,000 | $188,000 | $680,000 | $89,000 | $547,000 |
| Refinancing | 329 | $70,417,000 | $214,000 | $881,000 | $97,000 | $964,000 |
| Home Improvement | 5 | $107,000 | $21,000 | $50,000 | $73,000 | $100,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 371 | $70,935,000 | $191,000 | $700,000 | $95,000 | $964,000 |
| Not Provided | 188 | $39,676,000 | $211,000 | $520,000 | $94,000 | $568,000 |
| Asian | 43 | $11,452,000 | $266,000 | $499,000 | $102,000 | $200,000 |
| Hispanic | 24 | $4,927,000 | $205,000 | $417,000 | $97,000 | $423,000 |
| Black or African American | 23 | $3,063,000 | $133,000 | $225,000 | $76,000 | $263,000 |
| Not applicable | 10 | $1,760,000 | $176,000 | $881,000 | $0 | $0 |
| American Indian or Alaskan Native | 6 | $903,000 | $150,000 | $303,000 | $88,000 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $487,000 | $243,000 | $417,000 | $98,000 | $118,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 614 | $125,103,000 | $203,000 | $881,000 | $95,000 | $964,000 |
| FHA-insured (Federal Housing Administration) | 52 | $8,000,000 | $153,000 | $629,000 | $67,000 | $336,000 |
| VA-guaranteed (Veterans Administration) | 1 | $100,000 | $100,000 | $100,000 | $41,000 | $41,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 226 | $45,498,000 | $201,000 | $881,000 | $97,000 | $547,000 |
| Application Denied By Financial Institution | 164 | $28,048,000 | $171,000 | $629,000 | $76,000 | $423,000 |
| Application Withdrawn By Applicant | 147 | $33,810,000 | $230,000 | $520,000 | $110,000 | $964,000 |
| File Closed For Incompleteness | 87 | $19,462,000 | $223,000 | $700,000 | $94,000 | $493,000 |
| Preapproval Denied by Financial Institution | 37 | $4,782,000 | $129,000 | $280,000 | $69,000 | $336,000 |
| Application Approved But Not Accepted | 4 | $1,131,000 | $282,000 | $406,000 | $134,000 | $252,000 |
| Preapproval Approved but not Accepted | 2 | $472,000 | $236,000 | $300,000 | $87,000 | $97,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Other | 60 | $7,278,000 | $121,000 | $629,000 | $65,000 | $336,000 |
| Credit History | 49 | $7,935,000 | $161,000 | $417,000 | $76,000 | $423,000 |
| Collateral | 43 | $8,957,000 | $208,000 | $460,000 | $93,000 | $298,000 |
| Debt-To-Income Ratio | 23 | $4,280,000 | $186,000 | $388,000 | $73,000 | $246,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,488,000 | $135,000 | $250,000 | $64,000 | $150,000 |
| Unverifiable Information | 7 | $1,595,000 | $227,000 | $417,000 | $59,000 | $88,000 |
| Employment History | 4 | $614,000 | $153,000 | $269,000 | $52,000 | $90,000 |
| Credit Application Incomplete | 2 | $438,000 | $219,000 | $238,000 | $108,000 | $115,000 |
| Mortgage Insurance Denied | 2 | $245,000 | $122,000 | $130,000 | $40,000 | $52,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Century Bank, National Association's 2008 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First Century Bank, National Association's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.