First Century Bank, National Association Mortgage Lending & HMDA Data, 2013
In 2013, First Century Bank, National Association of Gainesville, GA reported 1,565 mortgage applications totaling $442.6 million, down 9% from 2012. The average application was for $282,796, and applicants reported an average income of $118,080. 67% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Honolulu, HI (215), Atlanta-Sandy Springs-Marietta, GA (117) and San Francisco-San Mateo-Redwood City, CA (88) (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 | 1,565 |
| Total Mortgage Loan Application Amount | $442,576,000 |
| Average Mortgage Loan Application Amount | $282,796 |
| Highest Mortgage Loan Application Amount | $972,000 |
| Average Applicant Income | $118,080 |
| Highest Applicant Income | $1,231,000 |
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Century Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Honolulu, HI | 215 | $ 84,264,000 | $ 391,925 | $ 134,000 |
| Atlanta-Sandy Springs-Marietta, GA | 117 | $ 24,406,000 | $ 208,598 | $ 106,000 |
| San Francisco-San Mateo-Redwood City, CA | 88 | $ 37,098,000 | $ 421,568 | $ 136,000 |
| Oakland-Fremont-Hayward, CA | 81 | $ 27,769,000 | $ 342,827 | $ 149,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 49 | $ 18,532,000 | $ 378,204 | $ 135,000 |
| Los Angeles-Long Beach-Glendale, CA | 48 | $ 16,517,000 | $ 344,104 | $ 115,000 |
| Phoenix-Mesa-Glendale, AZ | 46 | $ 11,091,000 | $ 241,108 | $ 110,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 45 | $ 10,836,000 | $ 240,800 | $ 113,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 44 | $ 15,191,000 | $ 345,250 | $ 141,250 |
| Seattle-Bellevue-Everett, WA | 30 | $ 8,271,000 | $ 275,700 | $ 115,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 24 | $ 5,841,000 | $ 243,375 | $ 120,000 |
| Santa Ana-Anaheim-Irvine, CA | 23 | $ 8,351,000 | $ 363,086 | $ 138,000 |
| Las Vegas-Paradise, NV | 22 | $ 5,351,000 | $ 243,227 | $ 119,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 19 | $ 4,933,000 | $ 259,631 | $ 130,894 |
| Warren-Troy-Farmington Hills, MI | 18 | $ 4,155,000 | $ 230,833 | $ 105,000 |
| Riverside-San Bernardino-Ontario, CA | 17 | $ 4,216,000 | $ 248,000 | $ 117,000 |
| Salt Lake City, UT | 14 | $ 3,545,000 | $ 253,214 | $ 92,000 |
| San Diego-Carlsbad-San Marcos, CA | 14 | $ 4,524,000 | $ 323,142 | $ 129,000 |
| Baltimore-Towson, MD | 13 | $ 3,902,000 | $ 300,153 | $ 126,000 |
| Stockton, CA | 13 | $ 2,801,000 | $ 215,461 | $ 116,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 12 | $ 2,796,000 | $ 233,000 | $ 117,000 |
| Denver-Aurora-Broomfield, CO | 12 | $ 2,839,000 | $ 236,583 | $ 87,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 11 | $ 2,388,000 | $ 217,090 | $ 102,000 |
| Reno-Sparks, NV | 11 | $ 2,785,000 | $ 253,181 | $ 103,000 |
| Birmingham-Hoover, AL | 10 | $ 2,225,000 | $ 222,500 | $ 134,000 |
| Philadelphia, PA | 10 | $ 2,654,000 | $ 265,400 | $ 175,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 10 | $ 2,111,000 | $ 211,100 | $ 107,000 |
| Cleveland-Elyria-Mentor, OH | 9 | $ 1,655,000 | $ 183,888 | $ 129,000 |
| Edison-New Brunswick, NJ | 9 | $ 2,522,000 | $ 280,222 | $ 133,000 |
| Jacksonville, FL | 9 | $ 2,252,000 | $ 250,222 | $ 104,000 |
| Boise City-Nampa, ID | 8 | $ 2,151,000 | $ 268,875 | $ 107,000 |
| Chicago-Joliet-Naperville, IL | 7 | $ 1,592,000 | $ 227,428 | $ 102,000 |
| Houston-Sugar Land-Baytown, TX | 7 | $ 1,175,000 | $ 167,857 | $ 98,000 |
| Salem, OR | 7 | $ 1,204,000 | $ 172,000 | $ 89,000 |
| Athens-Clarke County, GA | 6 | $ 601,000 | $ 100,166 | $ 70,000 |
| Bethesda-Rockville-Frederick, MD | 6 | $ 1,689,000 | $ 281,500 | $ 201,000 |
| Memphis, TN-MS-AR | 6 | $ 1,529,000 | $ 254,833 | $ 96,333 |
| Modesto, CA | 6 | $ 1,383,000 | $ 230,500 | $ 87,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 2,023,000 | $ 337,166 | $ 143,000 |
| Raleigh-Cary, NC | 6 | $ 1,387,000 | $ 231,166 | $ 108,000 |
| Tucson, AZ | 6 | $ 1,108,000 | $ 184,666 | $ 84,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 6 | $ 2,175,000 | $ 362,500 | $ 98,000 |
| Cambridge-Newton-Framingham, MA | 5 | $ 1,246,000 | $ 249,200 | $ 125,000 |
| Dallas-Plano-Irving, TX | 5 | $ 789,000 | $ 157,800 | $ 98,000 |
| Detroit-Livonia-Dearborn, MI | 5 | $ 960,000 | $ 192,000 | $ 95,000 |
| Gary, IN | 5 | $ 824,000 | $ 164,800 | $ 50,000 |
| Harrisburg-Carlisle, PA | 5 | $ 755,000 | $ 151,000 | $ 96,000 |
| Kansas City, MO-KS | 5 | $ 598,000 | $ 119,600 | $ 80,400 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 1,184,000 | $ 236,800 | $ 124,000 |
| Bakersfield-Delano, CA | 4 | $ 1,044,000 | $ 261,000 | $ 238,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,308,000 | $ 327,000 | $ 97,000 |
| Charleston-North Charleston-Summerville, SC | 4 | $ 1,311,000 | $ 327,750 | $ 91,000 |
| Columbia, SC | 4 | $ 731,000 | $ 182,750 | $ 65,000 |
| Fresno, CA | 4 | $ 1,097,000 | $ 274,250 | $ 84,000 |
| Gainesville, GA | 4 | $ 348,000 | $ 87,000 | $ 49,000 |
| Huntsville, AL | 4 | $ 572,000 | $ 143,000 | $ 102,000 |
| Indianapolis-Carmel, IN | 4 | $ 874,000 | $ 218,500 | $ 70,000 |
| Knoxville, TN | 4 | $ 557,000 | $ 139,250 | $ 132,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 838,000 | $ 209,500 | $ 135,750 |
| North Port-Bradenton-Sarasota, FL | 4 | $ 925,000 | $ 231,250 | $ 89,000 |
| Peabody, MA | 4 | $ 1,643,000 | $ 410,750 | $ 189,000 |
| Pittsburgh, PA | 4 | $ 907,000 | $ 226,750 | $ 169,000 |
| Santa Rosa-Petaluma, CA | 4 | $ 1,417,000 | $ 354,250 | $ 121,000 |
| St. Louis, MO-IL | 4 | $ 653,000 | $ 163,250 | $ 112,000 |
| Tacoma, WA | 4 | $ 971,000 | $ 242,750 | $ 141,000 |
| Wilmington, DE-MD-NJ | 4 | $ 850,000 | $ 212,500 | $ 104,000 |
| Albuquerque, NM | 3 | $ 546,000 | $ 182,000 | $ 115,000 |
| Bend, OR | 3 | $ 457,000 | $ 152,333 | $ 80,000 |
| Boston-Quincy, MA | 3 | $ 900,000 | $ 300,000 | $ 100,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 1,049,000 | $ 349,666 | $ 109,000 |
| Charlottesville, VA | 3 | $ 539,000 | $ 179,666 | $ 160,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 571,000 | $ 190,333 | $ 111,000 |
| Colorado Springs, CO | 3 | $ 1,234,000 | $ 411,333 | $ 111,000 |
| Des Moines-West Des Moines, IA | 3 | $ 872,000 | $ 290,666 | $ 139,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 540,000 | $ 180,000 | $ 137,000 |
| Greeley, CO | 3 | $ 627,000 | $ 209,000 | $ 98,000 |
| Kennewick-Pasco-Richland, WA | 3 | $ 544,000 | $ 181,333 | $ 113,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 927,000 | $ 309,000 | $ 123,000 |
| New Haven-Milford, CT | 3 | $ 690,000 | $ 230,000 | $ 121,000 |
| New Orleans-Metairie-Kenner, LA | 3 | $ 514,000 | $ 171,333 | $ 73,000 |
| New York-White Plains-Wayne, NY-NJ | 3 | $ 548,000 | $ 182,666 | $ 121,000 |
| Newark-Union, NJ-PA | 3 | $ 743,000 | $ 247,666 | $ 114,000 |
| Olympia, WA | 3 | $ 716,000 | $ 238,666 | $ 70,000 |
| Richmond, VA | 3 | $ 682,000 | $ 227,333 | $ 138,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 1,150,000 | $ 383,333 | $ 120,000 |
| St. George, UT | 3 | $ 626,000 | $ 208,666 | $ 160,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 819,000 | $ 273,000 | $ 103,000 |
| Wilmington, NC | 3 | $ 583,000 | $ 194,333 | $ 81,000 |
| Winston-Salem, NC | 3 | $ 633,000 | $ 211,000 | $ 89,000 |
| Anchorage, AK | 2 | $ 500,000 | $ 250,000 | $ 206,000 |
| Ann Arbor, MI | 2 | $ 560,000 | $ 280,000 | $ 145,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 434,000 | $ 217,000 | $ 39,000 |
| Bremerton-Silverdale, WA | 2 | $ 454,000 | $ 227,000 | $ 124,000 |
| Burlington-South Burlington, VT | 2 | $ 570,000 | $ 285,000 | $ 111,000 |
| Chattanooga, TN-GA | 2 | $ 337,000 | $ 168,500 | $ 86,000 |
| Chico, CA | 2 | $ 415,000 | $ 207,500 | $ 105,000 |
| Coeur D'Alene, ID | 2 | $ 714,000 | $ 357,000 | $ 98,000 |
| Eugene-Springfield, OR | 2 | $ 476,000 | $ 238,000 | $ 86,000 |
| Fort Collins-Loveland, CO | 2 | $ 448,000 | $ 224,000 | $ 104,000 |
| Fort Worth-Arlington, TX | 2 | $ 557,000 | $ 278,500 | $ 136,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 200,000 | $ 100,000 | $ 94,000 |
| Harrisonburg, VA | 2 | $ 565,000 | $ 282,500 | $ 104,000 |
| Jackson, MS | 2 | $ 210,000 | $ 105,000 | $ 265,000 |
| Kalamazoo-Portage, MI | 2 | $ 403,000 | $ 201,500 | $ 146,000 |
| Lancaster, PA | 2 | $ 351,000 | $ 175,500 | $ 110,000 |
| Madera-Chowchilla, CA | 2 | $ 252,000 | $ 126,000 | $ 56,000 |
| Madison, WI | 2 | $ 398,000 | $ 199,000 | $ 112,000 |
| Medford, OR | 2 | $ 392,000 | $ 196,000 | $ 55,000 |
| Missoula, MT | 2 | $ 372,000 | $ 186,000 | $ 54,000 |
| Napa, CA | 2 | $ 923,000 | $ 461,500 | $ 193,000 |
| Naples-Marco Island, FL | 2 | $ 392,000 | $ 196,000 | $ 106,000 |
| Nassau-Suffolk, NY | 2 | $ 668,000 | $ 334,000 | $ 96,000 |
| Norwich-New London, CT | 2 | $ 366,000 | $ 183,000 | $ 65,000 |
| Oklahoma City, OK | 2 | $ 471,000 | $ 235,500 | $ 89,000 |
| Palm Coast, FL | 2 | $ 477,000 | $ 238,500 | $ 92,000 |
| Prescott, AZ | 2 | $ 384,000 | $ 192,000 | $ 140,000 |
| Rapid City, SD | 2 | $ 290,000 | $ 145,000 | $ 65,000 |
| Rome, GA | 2 | $ 442,000 | $ 221,000 | $ 103,000 |
| San Antonio-New Braunfels, TX | 2 | $ 551,000 | $ 275,500 | $ 178,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 817,000 | $ 408,500 | $ 78,000 |
| Santa Fe, NM | 2 | $ 781,000 | $ 390,500 | $ 104,000 |
| Savannah, GA | 2 | $ 367,000 | $ 183,500 | $ 54,000 |
| Spartanburg, SC | 2 | $ 286,000 | $ 143,000 | $ 94,000 |
| Spokane, WA | 2 | $ 681,000 | $ 340,500 | $ 160,000 |
| Tulsa, OK | 2 | $ 316,000 | $ 158,000 | $ 38,000 |
| Warner Robins, GA | 2 | $ 255,000 | $ 127,500 | $ 72,000 |
| Winchester, VA-WV | 2 | $ 421,000 | $ 210,500 | $ 59,000 |
| Yakima, WA | 2 | $ 460,000 | $ 230,000 | $ 71,000 |
| Akron, OH | 1 | $ 90,000 | $ 90,000 | $ 30,000 |
| Anderson, SC | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 192,000 | $ 192,000 | $ 65,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 235,000 | $ 235,000 | $ 96,000 |
| Boulder, CO | 1 | $ 88,000 | $ 88,000 | $ 160,000 |
| Camden, NJ | 1 | $ 315,000 | $ 315,000 | $ 92,000 |
| Columbus, GA-AL | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Columbus, OH | 1 | $ 227,000 | $ 227,000 | $ 144,000 |
| Dalton, GA | 1 | $ 101,000 | $ 101,000 | $ 46,000 |
| Dayton, OH | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Decatur, AL | 1 | $ 160,000 | $ 160,000 | $ 91,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 139,000 | $ 139,000 | $ 48,000 |
| Dothan, AL | 1 | $ 142,000 | $ 142,000 | $ 80,000 |
| Dover, DE | 1 | $ 201,000 | $ 201,000 | $ 78,000 |
| Durham-Chapel Hill, NC | 1 | $ 282,000 | $ 282,000 | $ 109,000 |
| Erie, PA | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Fayetteville, NC | 1 | $ 102,000 | $ 102,000 | $ 86,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 380,000 | $ 380,000 | $ 175,000 |
| Gainesville, FL | 1 | $ 149,000 | $ 149,000 | $ 99,000 |
| Great Falls, MT | 1 | $ 172,000 | $ 172,000 | $ 53,000 |
| Greensboro-High Point, NC | 1 | $ 240,000 | $ 240,000 | $ 145,000 |
| Greenville, NC | 1 | $ 279,000 | $ 279,000 | $ 124,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 363,000 | $ 363,000 | $ 125,000 |
| Gulfport-Biloxi, MS | 1 | $ 181,000 | $ 181,000 | $ 119,000 |
| Hanford-Corcoran, CA | 1 | $ 92,000 | $ 92,000 | $ 33,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 159,000 | $ 159,000 | $ 71,000 |
| Hot Springs, AR | 1 | $ 176,000 | $ 176,000 | $ 36,000 |
| Iowa City, IA | 1 | $ 258,000 | $ 258,000 | $ 113,000 |
| Jonesboro, AR | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Joplin, MO | 1 | $ 187,000 | $ 187,000 | $ 77,000 |
| Lake Charles, LA | 1 | $ 170,000 | $ 170,000 | $ 110,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 158,000 | $ 158,000 | $ 177,000 |
| Lakeland-Winter Haven, FL | 1 | $ 96,000 | $ 96,000 | $ 113,000 |
| Lewiston, ID-WA | 1 | $ 157,000 | $ 157,000 | $ 85,000 |
| Manchester-Nashua, NH | 1 | $ 101,000 | $ 101,000 | $ 59,000 |
| Manhattan, KS | 1 | $ 204,000 | $ 204,000 | $ 92,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 195,000 | $ 195,000 | $ 120,000 |
| Monroe, LA | 1 | $ 265,000 | $ 265,000 | $ 120,000 |
| Montgomery, AL | 1 | $ 102,000 | $ 102,000 | $ 72,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 143,000 | $ 143,000 | $ 73,000 |
| Ocean City, NJ | 1 | $ 415,000 | $ 415,000 | $ 96,000 |
| Ogden-Clearfield, UT | 1 | $ 280,000 | $ 280,000 | $ 65,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 151,000 | $ 151,000 | $ 87,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 252,000 | $ 252,000 | $ 62,000 |
| Provo-Orem, UT | 1 | $ 273,000 | $ 273,000 | $ 156,000 |
| Punta Gorda, FL | 1 | $ 130,000 | $ 130,000 | $ 143,000 |
| Redding, CA | 1 | $ 229,000 | $ 229,000 | $ 67,000 |
| Rockingham County-Strafford County, NH | 1 | $ 298,000 | $ 298,000 | $ 148,000 |
| Salinas, CA | 1 | $ 220,000 | $ 220,000 | $ 95,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 130,000 | $ 130,000 | $ 81,000 |
| Springfield, MO | 1 | $ 281,000 | $ 281,000 | $ 65,000 |
| Tallahassee, FL | 1 | $ 167,000 | $ 167,000 | $ 83,000 |
| Toledo, OH | 1 | $ 237,000 | $ 237,000 | $ 121,000 |
| Vallejo-Fairfield, CA | 1 | $ 271,000 | $ 271,000 | $ 150,000 |
| Visalia-Porterville, CA | 1 | $ 224,000 | $ 224,000 | $ 99,000 |
| Wenatchee-East Wenatchee, WA | 1 | $ 186,000 | $ 186,000 | $ 82,000 |
| Worcester, MA | 1 | $ 215,000 | $ 215,000 | $ 119,000 |
| Yuma, AZ | 1 | $ 161,000 | $ 161,000 | $ 114,000 |
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.
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