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Century Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 318 | $ 66,959,000 | $ 210,562 | $ 104,000 |
| Warner Robins, GA | 38 | $ 5,669,000 | $ 149,184 | $ 66,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 28 | $ 8,561,000 | $ 305,750 | $ 135,607 |
| Phoenix-Mesa-Glendale, AZ | 27 | $ 5,903,000 | $ 218,629 | $ 119,000 |
| Los Angeles-Long Beach-Glendale, CA | 24 | $ 8,574,000 | $ 357,250 | $ 119,000 |
| Seattle-Bellevue-Everett, WA | 19 | $ 5,512,000 | $ 290,105 | $ 148,000 |
| Santa Ana-Anaheim-Irvine, CA | 18 | $ 5,980,000 | $ 332,222 | $ 114,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 17 | $ 3,650,000 | $ 214,705 | $ 118,000 |
| Chicago-Joliet-Naperville, IL | 16 | $ 4,581,000 | $ 286,312 | $ 144,000 |
| Gainesville, GA | 16 | $ 2,552,000 | $ 159,500 | $ 99,000 |
| Houston-Sugar Land-Baytown, TX | 16 | $ 3,068,000 | $ 191,750 | $ 155,000 |
| Baltimore-Towson, MD | 15 | $ 3,368,000 | $ 224,533 | $ 134,000 |
| Birmingham-Hoover, AL | 15 | $ 3,339,000 | $ 222,600 | $ 90,000 |
| Warren-Troy-Farmington Hills, MI | 15 | $ 3,151,000 | $ 210,066 | $ 125,000 |
| New York-White Plains-Wayne, NY-NJ | 13 | $ 3,678,000 | $ 282,923 | $ 126,923 |
| Riverside-San Bernardino-Ontario, CA | 13 | $ 2,702,000 | $ 207,846 | $ 89,000 |
| San Diego-Carlsbad-San Marcos, CA | 13 | $ 4,582,000 | $ 352,461 | $ 136,000 |
| Bethesda-Rockville-Frederick, MD | 12 | $ 3,332,000 | $ 277,666 | $ 231,000 |
| Denver-Aurora-Broomfield, CO | 12 | $ 3,364,000 | $ 280,333 | $ 126,000 |
| Edison-New Brunswick, NJ | 12 | $ 3,796,000 | $ 316,333 | $ 148,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 10 | $ 2,665,000 | $ 266,500 | $ 130,200 |
| St. Louis, MO-IL | 10 | $ 1,666,000 | $ 166,600 | $ 82,000 |
| Dallas-Plano-Irving, TX | 9 | $ 2,025,000 | $ 225,000 | $ 181,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 9 | $ 1,933,000 | $ 214,777 | $ 83,000 |
| Oakland-Fremont-Hayward, CA | 9 | $ 3,317,000 | $ 368,555 | $ 118,000 |
| Philadelphia, PA | 9 | $ 2,124,000 | $ 236,000 | $ 163,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 9 | $ 1,734,000 | $ 192,666 | $ 87,000 |
| Athens-Clarke County, GA | 8 | $ 1,171,000 | $ 146,375 | $ 32,000 |
| Austin-Round Rock-San Marcos, TX | 8 | $ 1,450,000 | $ 181,250 | $ 90,000 |
| Cleveland-Elyria-Mentor, OH | 8 | $ 1,533,000 | $ 191,625 | $ 148,000 |
| Columbus, OH | 8 | $ 1,962,000 | $ 245,250 | $ 132,000 |
| Nassau-Suffolk, NY | 8 | $ 2,540,000 | $ 317,500 | $ 112,000 |
| Omaha-Council Bluffs, NE-IA | 8 | $ 1,434,000 | $ 179,250 | $ 111,000 |
| Cambridge-Newton-Framingham, MA | 7 | $ 1,961,000 | $ 280,142 | $ 106,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 1,525,000 | $ 217,857 | $ 140,000 |
| Greenville-Mauldin-Easley, SC | 7 | $ 1,014,000 | $ 144,857 | $ 68,000 |
| Kansas City, MO-KS | 7 | $ 847,000 | $ 121,000 | $ 78,142 |
| Macon, GA | 7 | $ 1,434,000 | $ 204,857 | $ 74,000 |
| Montgomery, AL | 7 | $ 1,416,000 | $ 202,285 | $ 137,000 |
| Boston-Quincy, MA | 6 | $ 1,778,000 | $ 296,333 | $ 159,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 6 | $ 1,797,000 | $ 299,500 | $ 99,000 |
| Cincinnati-Middletown, OH-KY-IN | 6 | $ 1,197,000 | $ 199,500 | $ 101,333 |
| Newark-Union, NJ-PA | 6 | $ 1,698,000 | $ 283,000 | $ 129,666 |
| San Antonio-New Braunfels, TX | 6 | $ 1,144,000 | $ 190,666 | $ 142,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 2,332,000 | $ 388,666 | $ 124,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,174,000 | $ 234,800 | $ 112,000 |
| Huntsville, AL | 5 | $ 803,000 | $ 160,600 | $ 92,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 1,382,000 | $ 276,400 | $ 108,000 |
| Morristown, TN | 5 | $ 1,038,000 | $ 207,600 | $ 75,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 1,119,000 | $ 223,800 | $ 92,000 |
| Salt Lake City, UT | 5 | $ 1,491,000 | $ 298,200 | $ 147,000 |
| Springfield, MA | 5 | $ 1,140,000 | $ 228,000 | $ 96,000 |
| Tucson, AZ | 5 | $ 987,000 | $ 197,400 | $ 85,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 1,473,000 | $ 294,600 | $ 239,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 847,000 | $ 211,750 | $ 74,250 |
| Anchorage, AK | 4 | $ 1,294,000 | $ 323,500 | $ 143,000 |
| Ann Arbor, MI | 4 | $ 950,000 | $ 237,500 | $ 130,000 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 1,018,000 | $ 254,500 | $ 81,000 |
| Camden, NJ | 4 | $ 909,000 | $ 227,250 | $ 82,000 |
| Charleston-North Charleston-Summerville, SC | 4 | $ 1,120,000 | $ 280,000 | $ 178,000 |
| Columbia, SC | 4 | $ 916,000 | $ 229,000 | $ 125,000 |
| Jacksonville, FL | 4 | $ 657,000 | $ 164,250 | $ 73,000 |
| Lafayette, LA | 4 | $ 526,000 | $ 131,500 | $ 81,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 735,000 | $ 183,750 | $ 73,000 |
| Pittsburgh, PA | 4 | $ 809,000 | $ 202,250 | $ 87,000 |
| Providence-New Bedford-Fall River, RI-MA | 4 | $ 899,000 | $ 224,750 | $ 78,250 |
| Richmond, VA | 4 | $ 894,000 | $ 223,500 | $ 98,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 921,000 | $ 230,250 | $ 151,000 |
| Wilmington, DE-MD-NJ | 4 | $ 730,000 | $ 182,500 | $ 95,750 |
| Decatur, AL | 3 | $ 628,000 | $ 209,333 | $ 49,000 |
| Detroit-Livonia-Dearborn, MI | 3 | $ 393,000 | $ 131,000 | $ 76,000 |
| Fort Worth-Arlington, TX | 3 | $ 468,000 | $ 156,000 | $ 72,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 760,000 | $ 253,333 | $ 110,000 |
| Indianapolis-Carmel, IN | 3 | $ 358,000 | $ 119,333 | $ 48,000 |
| Lexington-Fayette, KY | 3 | $ 838,000 | $ 279,333 | $ 211,000 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 529,000 | $ 176,333 | $ 148,000 |
| Longview, TX | 3 | $ 356,000 | $ 118,666 | $ 87,000 |
| Manchester-Nashua, NH | 3 | $ 474,000 | $ 158,000 | $ 77,000 |
| Memphis, TN-MS-AR | 3 | $ 564,000 | $ 188,000 | $ 58,000 |
| New Haven-Milford, CT | 3 | $ 545,000 | $ 181,666 | $ 91,000 |
| Prescott, AZ | 3 | $ 636,000 | $ 212,000 | $ 71,000 |
| Raleigh-Cary, NC | 3 | $ 1,167,000 | $ 389,000 | $ 190,000 |
| Reno-Sparks, NV | 3 | $ 821,000 | $ 273,666 | $ 146,000 |
| San Francisco-San Mateo-Redwood City, CA | 3 | $ 1,142,000 | $ 380,666 | $ 562,000 |
| San Luis Obispo-Paso Robles, CA | 3 | $ 894,000 | $ 298,000 | $ 93,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 3 | $ 1,142,000 | $ 380,666 | $ 160,000 |
| Spartanburg, SC | 3 | $ 397,000 | $ 132,333 | $ 79,000 |
| Toledo, OH | 3 | $ 402,000 | $ 134,000 | $ 75,000 |
| Wichita, KS | 3 | $ 434,000 | $ 144,666 | $ 111,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 131,000 | $ 65,500 | $ 42,000 |
| Albuquerque, NM | 2 | $ 268,000 | $ 134,000 | $ 102,000 |
| Anderson, SC | 2 | $ 409,000 | $ 204,500 | $ 49,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 445,000 | $ 222,500 | $ 66,500 |
| Baton Rouge, LA | 2 | $ 296,000 | $ 148,000 | $ 99,000 |
| Boulder, CO | 2 | $ 462,000 | $ 231,000 | $ 95,000 |
| Bremerton-Silverdale, WA | 2 | $ 525,000 | $ 262,500 | $ 111,000 |
| Buffalo-Niagara Falls, NY | 2 | $ 652,000 | $ 326,000 | $ 356,000 |
| Chattanooga, TN-GA | 2 | $ 332,000 | $ 166,000 | $ 22,000 |
| Des Moines-West Des Moines, IA | 2 | $ 348,000 | $ 174,000 | $ 78,000 |
| Durham-Chapel Hill, NC | 2 | $ 250,000 | $ 125,000 | $ 38,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 451,000 | $ 225,500 | $ 137,000 |
| Greeley, CO | 2 | $ 395,000 | $ 197,500 | $ 91,000 |
| Greensboro-High Point, NC | 2 | $ 248,000 | $ 124,000 | $ 76,000 |
| Knoxville, TN | 2 | $ 574,000 | $ 287,000 | $ 136,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 590,000 | $ 295,000 | $ 175,000 |
| Las Vegas-Paradise, NV | 2 | $ 307,000 | $ 153,500 | $ 57,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 471,000 | $ 235,500 | $ 119,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 767,000 | $ 383,500 | $ 131,000 |
| Missoula, MT | 2 | $ 491,000 | $ 245,500 | $ 93,000 |
| Mobile, AL | 2 | $ 286,000 | $ 143,000 | $ 88,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 364,000 | $ 182,000 | $ 135,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 588,000 | $ 294,000 | $ 184,000 |
| Portland-South Portland-Biddeford, ME | 2 | $ 290,000 | $ 145,000 | $ 65,000 |
| Salem, OR | 2 | $ 321,000 | $ 160,500 | $ 71,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 519,000 | $ 259,500 | $ 94,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 615,000 | $ 307,500 | $ 135,000 |
| Spokane, WA | 2 | $ 566,000 | $ 283,000 | $ 121,000 |
| Tacoma, WA | 2 | $ 352,000 | $ 176,000 | $ 80,000 |
| Tulsa, OK | 2 | $ 326,000 | $ 163,000 | $ 67,000 |
| Tuscaloosa, AL | 2 | $ 405,000 | $ 202,500 | $ 71,000 |
| Vallejo-Fairfield, CA | 2 | $ 357,000 | $ 178,500 | $ 109,000 |
| Wichita Falls, TX | 2 | $ 357,000 | $ 178,500 | $ 173,000 |
| Worcester, MA | 2 | $ 451,000 | $ 225,500 | $ 76,000 |
| York-Hanover, PA | 2 | $ 366,000 | $ 183,000 | $ 69,000 |
| Akron, OH | 1 | $ 213,000 | $ 213,000 | $ 160,000 |
| Albany, GA | 1 | $ 98,000 | $ 98,000 | $ 56,000 |
| Alexandria, LA | 1 | $ 160,000 | $ 160,000 | $ 50,000 |
| Asheville, NC | 1 | $ 352,000 | $ 352,000 | $ 99,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 323,000 | $ 323,000 | $ 180,000 |
| Barnstable Town, MA | 1 | $ 414,000 | $ 414,000 | $ 135,000 |
| Boise City-Nampa, ID | 1 | $ 170,000 | $ 170,000 | $ 56,000 |
| Burlington-South Burlington, VT | 1 | $ 197,000 | $ 197,000 | $ 96,000 |
| Canton-Massillon, OH | 1 | $ 123,000 | $ 123,000 | $ 63,000 |
| Cleveland, TN | 1 | $ 88,000 | $ 88,000 | $ 98,000 |
| Colorado Springs, CO | 1 | $ 75,000 | $ 75,000 | $ 45,000 |
| Columbia, MO | 1 | $ 181,000 | $ 181,000 | $ 143,000 |
| Columbus, GA-AL | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Dalton, GA | 1 | $ 331,000 | $ 331,000 | $ 72,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 185,000 | $ 185,000 | $ 113,000 |
| Elkhart-Goshen, IN | 1 | $ 127,000 | $ 127,000 | $ 46,000 |
| Florence-Muscle Shoals, AL | 1 | $ 211,000 | $ 211,000 | $ 85,000 |
| Fort Collins-Loveland, CO | 1 | $ 240,000 | $ 240,000 | $ 65,000 |
| Fort Smith, AR-OK | 1 | $ 172,000 | $ 172,000 | $ 99,000 |
| Gary, IN | 1 | $ 173,000 | $ 173,000 | $ 114,000 |
| Glens Falls, NY | 1 | $ 207,000 | $ 207,000 | $ 194,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 388,000 | $ 388,000 | $ 180,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 148,000 | $ 148,000 | $ 150,000 |
| Hanford-Corcoran, CA | 1 | $ 93,000 | $ 93,000 | $ 46,000 |
| Harrisburg-Carlisle, PA | 1 | $ 247,000 | $ 247,000 | $ 147,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 161,000 | $ 161,000 | $ 99,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 189,000 | $ 189,000 | $ 146,000 |
| Hot Springs, AR | 1 | $ 90,000 | $ 90,000 | $ 103,000 |
| Jackson, TN | 1 | $ 88,000 | $ 88,000 | $ 138,000 |
| Jonesboro, AR | 1 | $ 135,000 | $ 135,000 | $ 131,000 |
| Kennewick-Pasco-Richland, WA | 1 | $ 219,000 | $ 219,000 | $ 174,000 |
| Kingston, NY | 1 | $ 300,000 | $ 300,000 | $ 134,000 |
| Madison, WI | 1 | $ 159,000 | $ 159,000 | $ 61,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 178,000 | $ 178,000 | $ 99,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 288,000 | $ 288,000 | $ 211,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 129,000 | $ 129,000 | $ 73,000 |
| Napa, CA | 1 | $ 212,000 | $ 212,000 | $ 82,000 |
| Naples-Marco Island, FL | 1 | $ 226,000 | $ 226,000 | $ 95,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 79,000 | $ 79,000 | $ 44,000 |
| Ocean City, NJ | 1 | $ 198,000 | $ 198,000 | $ 97,000 |
| Ogden-Clearfield, UT | 1 | $ 335,000 | $ 335,000 | $ 81,000 |
| Pascagoula, MS | 1 | $ 100,000 | $ 100,000 | $ 17,000 |
| Port St. Lucie, FL | 1 | $ 121,000 | $ 121,000 | $ 39,000 |
| Provo-Orem, UT | 1 | $ 232,000 | $ 232,000 | $ 132,000 |
| Punta Gorda, FL | 1 | $ 85,000 | $ 85,000 | $ 38,000 |
| Redding, CA | 1 | $ 254,000 | $ 254,000 | $ 228,000 |
| Roanoke, VA | 1 | $ 149,000 | $ 149,000 | $ 132,000 |
| Rockingham County-Strafford County, NH | 1 | $ 240,000 | $ 240,000 | $ 106,000 |
| Rome, GA | 1 | $ 108,000 | $ 108,000 | $ 78,000 |
| Savannah, GA | 1 | $ 238,000 | $ 238,000 | $ 192,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 216,000 | $ 216,000 | $ 166,000 |
| Shreveport-Bossier City, LA | 1 | $ 122,000 | $ 122,000 | $ 111,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 360,000 | $ 360,000 | $ 124,000 |
| Springfield, MO | 1 | $ 108,000 | $ 108,000 | $ 20,000 |
| Stockton, CA | 1 | $ 226,000 | $ 226,000 | $ 140,000 |
| Topeka, KS | 1 | $ 229,000 | $ 229,000 | $ 105,000 |
| Trenton-Ewing, NJ | 1 | $ 150,000 | $ 150,000 | $ 67,000 |
| Valdosta, GA | 1 | $ 100,000 | $ 100,000 | $ 80,000 |
| Yakima, WA | 1 | $ 122,000 | $ 122,000 | $ 65,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 202,000 | $ 202,000 | $ 69,000 |
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.
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