First-Citizens Bank & Trust Co Mortgage Lending & HMDA Data, 2010
In 2010, First-Citizens Bank & Trust Co of Raleigh, NC reported 5,814 mortgage applications totaling $1.5 billion, down 20% from 2009. The average application was for $254,098, and applicants reported an average income of $125,533. 62% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Raleigh-Cary, NC (672), Asheville, NC (506) and Charlotte-Gastonia-Rock Hill, NC-SC (406) (applications in parentheses).
| Mortgage Company & Address | First-Citizens Bank & Trust Co 16 E Rowan Street Raleigh, NC 27609 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,814 |
| Total Mortgage Loan Application Amount | $1,477,329,000 |
| Average Mortgage Loan Application Amount | $254,098 |
| Highest Mortgage Loan Application Amount | $38,157,000 |
| Average Applicant Income | $125,533 |
| Highest Applicant Income | $3,605,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First-Citizens Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wake, North Carolina | 559 | $ 134,884,000 | $ 241,295 | $ 153,000 |
| Mecklenburg, North Carolina | 237 | $ 38,560,000 | $ 162,700 | $ 140,000 |
| Henderson, North Carolina | 236 | $ 48,464,000 | $ 205,355 | $ 98,000 |
| Buncombe, North Carolina | 223 | $ 53,403,000 | $ 239,475 | $ 127,000 |
| New Hanover, North Carolina | 163 | $ 43,933,000 | $ 269,527 | $ 201,000 |
| Guilford, North Carolina | 160 | $ 28,314,000 | $ 176,962 | $ 134,000 |
| Forsyth, North Carolina | 150 | $ 29,317,000 | $ 195,446 | $ 166,000 |
| Carteret, North Carolina | 139 | $ 30,007,000 | $ 215,877 | $ 156,000 |
| Brunswick, North Carolina | 138 | $ 30,314,000 | $ 219,666 | $ 155,000 |
| Onslow, North Carolina | 108 | $ 17,121,000 | $ 158,527 | $ 108,000 |
| Catawba, North Carolina | 103 | $ 18,942,000 | $ 183,902 | $ 115,000 |
| Cumberland, North Carolina | 101 | $ 14,491,000 | $ 143,475 | $ 142,000 |
| Burke, North Carolina | 100 | $ 11,916,000 | $ 119,160 | $ 72,000 |
| Craven, North Carolina | 100 | $ 18,514,000 | $ 185,140 | $ 125,000 |
| Union, North Carolina | 100 | $ 14,504,000 | $ 145,040 | $ 105,000 |
| Caldwell, North Carolina | 98 | $ 13,382,000 | $ 136,551 | $ 96,000 |
| Pitt, North Carolina | 95 | $ 19,398,000 | $ 204,189 | $ 159,000 |
| Durham, North Carolina | 94 | $ 25,762,000 | $ 274,063 | $ 206,000 |
| Johnston, North Carolina | 84 | $ 10,943,000 | $ 130,273 | $ 79,000 |
| Roanoke, Virginia | 83 | $ 14,837,000 | $ 178,759 | $ 105,000 |
| Transylvania, North Carolina | 68 | $ 13,362,000 | $ 196,500 | $ 92,000 |
| Orange, North Carolina | 67 | $ 21,350,000 | $ 318,656 | $ 244,000 |
| Moore, North Carolina | 62 | $ 21,855,000 | $ 352,500 | $ 251,000 |
| Pittsylvania, Virginia | 62 | $ 7,775,000 | $ 125,403 | $ 64,000 |
| Iredell, North Carolina | 59 | $ 10,178,000 | $ 172,508 | $ 116,000 |
| Miami-Dade, Florida | 58 | $ 21,295,000 | $ 367,155 | $ 0 |
| Watauga, North Carolina | 56 | $ 13,570,000 | $ 242,321 | $ 134,000 |
| Greenbrier, West Virginia | 49 | $ 6,415,000 | $ 130,918 | $ 87,000 |
| Pender, North Carolina | 47 | $ 8,579,000 | $ 182,531 | $ 112,000 |
| Roanoke City, Virginia | 44 | $ 6,933,000 | $ 157,568 | $ 81,000 |
| Montgomery, Virginia | 42 | $ 6,602,000 | $ 157,190 | $ 85,000 |
| Jackson, North Carolina | 40 | $ 8,473,000 | $ 211,825 | $ 140,000 |
| Mecklenburg, Virginia | 40 | $ 6,723,000 | $ 168,075 | $ 100,000 |
| Pamlico, North Carolina | 39 | $ 7,971,000 | $ 204,384 | $ 123,000 |
| Rockingham, North Carolina | 39 | $ 4,403,000 | $ 112,897 | $ 113,000 |
| Chatham, North Carolina | 38 | $ 9,379,000 | $ 246,815 | $ 136,000 |
| Lenoir, North Carolina | 38 | $ 5,319,000 | $ 139,973 | $ 103,000 |
| Wayne, North Carolina | 37 | $ 3,760,000 | $ 101,621 | $ 103,000 |
| Los Angeles, California | 36 | $ 161,744,000 | $ 4,492,888 | $ 12,000 |
| Albemarle, Virginia | 36 | $ 10,211,000 | $ 283,638 | $ 190,000 |
| Beaufort, North Carolina | 35 | $ 6,069,000 | $ 173,400 | $ 131,000 |
| Surry, North Carolina | 35 | $ 4,115,000 | $ 117,571 | $ 71,000 |
| Danville, Virginia | 35 | $ 4,438,000 | $ 126,800 | $ 62,000 |
| Cabarrus, North Carolina | 34 | $ 5,349,000 | $ 157,323 | $ 115,000 |
| Haywood, North Carolina | 31 | $ 6,507,000 | $ 209,903 | $ 107,000 |
| Lincoln, North Carolina | 30 | $ 5,201,000 | $ 173,366 | $ 65,000 |
| Knox, Tennessee | 30 | $ 6,101,000 | $ 203,366 | $ 151,000 |
| Bedford, Virginia | 30 | $ 5,609,000 | $ 186,966 | $ 113,000 |
| Franklin, North Carolina | 29 | $ 3,868,000 | $ 133,379 | $ 83,000 |
| Wilkes, North Carolina | 29 | $ 3,227,000 | $ 111,275 | $ 63,000 |
| Harnett, North Carolina | 28 | $ 3,405,000 | $ 121,607 | $ 75,000 |
| Sampson, North Carolina | 28 | $ 2,468,000 | $ 88,142 | $ 60,000 |
| Palm Beach, Florida | 27 | $ 18,640,000 | $ 690,370 | $ 9,000 |
| Columbus, North Carolina | 27 | $ 3,696,000 | $ 136,888 | $ 135,000 |
| Ashe, North Carolina | 26 | $ 3,855,000 | $ 148,269 | $ 84,000 |
| Avery, North Carolina | 26 | $ 3,927,000 | $ 151,038 | $ 100,000 |
| Bladen, North Carolina | 26 | $ 3,291,000 | $ 126,576 | $ 77,000 |
| Macon, North Carolina | 26 | $ 7,101,000 | $ 273,115 | $ 167,000 |
| Botetourt, Virginia | 26 | $ 4,630,000 | $ 178,076 | $ 89,000 |
| Brunswick, Virginia | 26 | $ 2,726,000 | $ 104,846 | $ 66,000 |
| Wilson, North Carolina | 25 | $ 3,414,000 | $ 136,560 | $ 179,000 |
| Lynchburg, Virginia | 23 | $ 3,686,000 | $ 160,260 | $ 126,000 |
| Rockingham, Virginia | 23 | $ 5,622,000 | $ 244,434 | $ 136,000 |
| Cherokee, North Carolina | 22 | $ 2,419,000 | $ 109,954 | $ 64,000 |
| Stokes, North Carolina | 22 | $ 2,315,000 | $ 105,227 | $ 61,000 |
| Pocahontas, West Virginia | 22 | $ 1,624,000 | $ 73,818 | $ 65,000 |
| Randolph, North Carolina | 19 | $ 2,837,000 | $ 149,315 | $ 72,000 |
| Halifax, North Carolina | 18 | $ 2,937,000 | $ 163,166 | $ 123,000 |
| Lee, North Carolina | 18 | $ 2,115,000 | $ 117,500 | $ 53,000 |
| Rutherford, North Carolina | 18 | $ 2,908,000 | $ 161,555 | $ 131,000 |
| Stanly, North Carolina | 18 | $ 2,692,000 | $ 149,555 | $ 113,000 |
| Horry, South Carolina | 18 | $ 4,358,000 | $ 242,111 | $ 178,000 |
| York, South Carolina | 18 | $ 2,344,000 | $ 130,222 | $ 117,000 |
| Broward, Florida | 17 | $ 13,364,000 | $ 786,117 | $ 0 |
| Alexander, North Carolina | 17 | $ 2,193,000 | $ 129,000 | $ 56,000 |
| Clay, North Carolina | 17 | $ 2,605,000 | $ 153,235 | $ 100,000 |
| Swain, North Carolina | 17 | $ 2,661,000 | $ 156,529 | $ 123,000 |
| Alleghany, Virginia | 17 | $ 1,116,000 | $ 65,647 | $ 49,000 |
| District of Columbia, District Of Columbia | 16 | $ 1,095,000 | $ 68,437 | $ 159,000 |
| Davidson, North Carolina | 16 | $ 2,528,000 | $ 158,000 | $ 96,000 |
| Madison, North Carolina | 16 | $ 2,808,000 | $ 175,500 | $ 108,000 |
| Pasquotank, North Carolina | 16 | $ 2,629,000 | $ 164,312 | $ 113,000 |
| Davidson, Tennessee | 16 | $ 1,791,000 | $ 111,937 | $ 115,000 |
| Harrisonburg, Virginia | 16 | $ 1,998,000 | $ 124,875 | $ 72,000 |
| Gaston, North Carolina | 15 | $ 2,061,000 | $ 137,400 | $ 101,000 |
| Greenville, South Carolina | 15 | $ 6,308,000 | $ 420,533 | $ 307,000 |
| Augusta, Virginia | 15 | $ 2,894,000 | $ 192,933 | $ 116,000 |
| Carroll, Virginia | 15 | $ 1,847,000 | $ 123,133 | $ 66,000 |
| Franklin, Virginia | 14 | $ 3,687,000 | $ 263,357 | $ 157,000 |
| McDowell, North Carolina | 13 | $ 1,285,000 | $ 98,846 | $ 51,000 |
| Polk, North Carolina | 12 | $ 2,843,000 | $ 236,916 | $ 69,000 |
| Charleston, South Carolina | 12 | $ 4,362,000 | $ 363,500 | $ 238,000 |
| Davie, North Carolina | 11 | $ 3,007,000 | $ 273,363 | $ 191,000 |
| Graham, North Carolina | 11 | $ 2,208,000 | $ 200,727 | $ 99,000 |
| Warren, North Carolina | 11 | $ 1,605,000 | $ 145,909 | $ 58,000 |
| Hamilton, Tennessee | 11 | $ 2,807,000 | $ 255,181 | $ 209,000 |
| Charlotte, Virginia | 11 | $ 1,335,000 | $ 121,363 | $ 64,000 |
| Vance, North Carolina | 10 | $ 1,313,000 | $ 131,300 | $ 98,000 |
| Campbell, Virginia | 10 | $ 1,446,000 | $ 144,600 | $ 68,000 |
| Frederick, Virginia | 10 | $ 2,674,000 | $ 267,400 | $ 147,000 |
| Alleghany, North Carolina | 9 | $ 1,442,000 | $ 160,222 | $ 119,000 |
| Fairfax, Virginia | 9 | $ 2,579,000 | $ 286,555 | $ 314,000 |
| Henrico, Virginia | 9 | $ 2,301,000 | $ 255,666 | $ 178,000 |
| Lunenburg, Virginia | 9 | $ 824,000 | $ 91,555 | $ 75,000 |
| Cleveland, North Carolina | 8 | $ 842,000 | $ 105,250 | $ 47,000 |
| Granville, North Carolina | 8 | $ 1,235,000 | $ 154,375 | $ 99,000 |
| Greene, North Carolina | 8 | $ 1,002,000 | $ 125,250 | $ 73,000 |
| Nash, North Carolina | 8 | $ 669,000 | $ 83,625 | $ 49,000 |
| Robeson, North Carolina | 8 | $ 836,000 | $ 104,500 | $ 59,000 |
| Rowan, North Carolina | 8 | $ 2,430,000 | $ 303,750 | $ 350,000 |
| Yadkin, North Carolina | 8 | $ 1,277,000 | $ 159,625 | $ 76,000 |
| Charlottesville, Virginia | 8 | $ 1,909,000 | $ 238,625 | $ 128,000 |
| Chesterfield, Virginia | 8 | $ 2,720,000 | $ 340,000 | $ 149,000 |
| Emporia, Virginia | 8 | $ 1,312,000 | $ 164,000 | $ 102,000 |
| Maricopa, Arizona | 7 | $ 14,098,000 | $ 2,014,000 | $ 141,000 |
| Anne Arundel, Maryland | 7 | $ 1,524,000 | $ 217,714 | $ 73,000 |
| Grayson, Virginia | 7 | $ 601,000 | $ 85,857 | $ 52,000 |
| Loudoun, Virginia | 7 | $ 1,611,000 | $ 230,142 | $ 253,000 |
| Staunton, Virginia | 7 | $ 1,428,000 | $ 204,000 | $ 114,000 |
| Charlotte, Florida | 6 | $ 5,179,000 | $ 863,166 | $ 44,000 |
| Hillsborough, Florida | 6 | $ 637,000 | $ 106,166 | $ 22,000 |
| Alamance, North Carolina | 6 | $ 998,000 | $ 166,333 | $ 112,000 |
| Hoke, North Carolina | 6 | $ 660,000 | $ 110,000 | $ 70,000 |
| Arlington, Virginia | 6 | $ 1,476,000 | $ 246,000 | $ 424,000 |
| Bedford City, Virginia | 6 | $ 749,000 | $ 124,833 | $ 70,000 |
| Pulaski, Virginia | 6 | $ 955,000 | $ 159,166 | $ 240,000 |
| Spotsylvania, Virginia | 6 | $ 1,307,000 | $ 217,833 | $ 113,000 |
| Monroe, West Virginia | 6 | $ 730,000 | $ 121,666 | $ 75,000 |
| San Diego, California | 5 | $ 4,894,000 | $ 978,800 | $ 125,000 |
| Cook, Illinois | 5 | $ 2,953,000 | $ 590,600 | $ 0 |
| Clark, Nevada | 5 | $ 48,124,000 | $ 9,624,800 | $ 0 |
| Martin, North Carolina | 5 | $ 416,000 | $ 83,200 | $ 130,000 |
| Montgomery, North Carolina | 5 | $ 1,289,000 | $ 257,800 | $ 338,000 |
| Oconee, South Carolina | 5 | $ 1,987,000 | $ 397,400 | $ 299,000 |
| Sevier, Tennessee | 5 | $ 709,000 | $ 141,800 | $ 343,000 |
| Sullivan, Tennessee | 5 | $ 1,348,000 | $ 269,600 | $ 121,000 |
| Nelson, Virginia | 5 | $ 881,000 | $ 176,200 | $ 336,000 |
| Salem, Virginia | 5 | $ 672,000 | $ 134,400 | $ 71,000 |
| Thurston, Washington | 5 | $ 701,000 | $ 140,200 | $ 82,000 |
| Dare, North Carolina | 4 | $ 551,000 | $ 137,750 | $ 173,000 |
| Gates, North Carolina | 4 | $ 416,000 | $ 104,000 | $ 134,000 |
| Beaufort, South Carolina | 4 | $ 852,000 | $ 213,000 | $ 500,000 |
| Williamson, Tennessee | 4 | $ 1,273,000 | $ 318,250 | $ 315,000 |
| Floyd, Virginia | 4 | $ 548,000 | $ 137,000 | $ 68,000 |
| Galax, Virginia | 4 | $ 438,000 | $ 109,500 | $ 77,000 |
| Winchester, Virginia | 4 | $ 761,000 | $ 190,250 | $ 70,000 |
| Nicholas, West Virginia | 4 | $ 280,000 | $ 70,000 | $ 49,000 |
| Riverside, California | 3 | $ 1,635,000 | $ 545,000 | $ 185,000 |
| Duval, Florida | 3 | $ 415,000 | $ 138,333 | $ 58,000 |
| Cobb, Georgia | 3 | $ 10,561,000 | $ 3,520,333 | $ 101,000 |
| Camden, North Carolina | 3 | $ 302,000 | $ 100,666 | $ 144,000 |
| Chowan, North Carolina | 3 | $ 648,000 | $ 216,000 | $ 319,000 |
| Duplin, North Carolina | 3 | $ 418,000 | $ 139,333 | $ 58,000 |
| Jones, North Carolina | 3 | $ 821,000 | $ 273,666 | $ 223,000 |
| Mitchell, North Carolina | 3 | $ 267,000 | $ 89,000 | $ 100,000 |
| Perquimans, North Carolina | 3 | $ 304,000 | $ 101,333 | $ 78,000 |
| Person, North Carolina | 3 | $ 575,000 | $ 191,666 | $ 166,000 |
| Yancey, North Carolina | 3 | $ 1,113,000 | $ 371,000 | $ 78,000 |
| Georgetown, South Carolina | 3 | $ 2,808,000 | $ 936,000 | $ 169,000 |
| Blount, Tennessee | 3 | $ 1,294,000 | $ 431,333 | $ 236,000 |
| Washington, Tennessee | 3 | $ 506,000 | $ 168,666 | $ 157,000 |
| Dallas, Texas | 3 | $ 6,690,000 | $ 2,230,000 | $ 88,000 |
| Travis, Texas | 3 | $ 649,000 | $ 216,333 | $ 158,000 |
| Greensville, Virginia | 3 | $ 229,000 | $ 76,333 | $ 36,000 |
| Nottoway, Virginia | 3 | $ 240,000 | $ 80,000 | $ 101,000 |
| Prince George, Virginia | 3 | $ 465,000 | $ 155,000 | $ 165,000 |
| Richmond City, Virginia | 3 | $ 990,000 | $ 330,000 | $ 272,000 |
| Stafford, Virginia | 3 | $ 937,000 | $ 312,333 | $ 169,000 |
| Warren, Virginia | 3 | $ 556,000 | $ 185,333 | $ 66,000 |
| King, Washington | 3 | $ 2,909,000 | $ 969,666 | $ 82,000 |
| Pierce, Washington | 3 | $ 861,000 | $ 287,000 | $ 171,000 |
| Raleigh, West Virginia | 3 | $ 265,000 | $ 88,333 | $ 61,000 |
| San Bernardino, California | 2 | $ 596,000 | $ 298,000 | $ 0 |
| El Paso, Colorado | 2 | $ 7,290,000 | $ 3,645,000 | $ 0 |
| Collier, Florida | 2 | $ 235,000 | $ 117,500 | $ 52,000 |
| Indian River, Florida | 2 | $ 501,000 | $ 250,500 | $ 26,000 |
| Lee, Florida | 2 | $ 304,000 | $ 152,000 | $ 105,000 |
| St. Johns, Florida | 2 | $ 348,000 | $ 174,000 | $ 33,000 |
| St. Lucie, Florida | 2 | $ 380,000 | $ 190,000 | $ 0 |
| Forsyth, Georgia | 2 | $ 702,000 | $ 351,000 | $ 706,000 |
| Fulton, Georgia | 2 | $ 304,000 | $ 152,000 | $ 163,000 |
| Gwinnett, Georgia | 2 | $ 627,000 | $ 313,500 | $ 73,000 |
| Towns, Georgia | 2 | $ 441,000 | $ 220,500 | $ 94,000 |
| Union, Georgia | 2 | $ 269,000 | $ 134,500 | $ 51,000 |
| Lincoln, Kentucky | 2 | $ 3,388,000 | $ 1,694,000 | $ 0 |
| Howard, Maryland | 2 | $ 656,000 | $ 328,000 | $ 134,000 |
| Prince George's, Maryland | 2 | $ 635,000 | $ 317,500 | $ 326,000 |
| Anson, North Carolina | 2 | $ 85,000 | $ 42,500 | $ 22,000 |
| Northampton, North Carolina | 2 | $ 302,000 | $ 151,000 | $ 138,000 |
| Richmond, North Carolina | 2 | $ 122,000 | $ 61,000 | $ 85,000 |
| Washington, North Carolina | 2 | $ 415,000 | $ 207,500 | $ 142,000 |
| Stark, Ohio | 2 | $ 2,020,000 | $ 1,010,000 | $ 0 |
| Multnomah, Oregon | 2 | $ 499,000 | $ 249,500 | $ 308,000 |
| Pickens, South Carolina | 2 | $ 834,000 | $ 417,000 | $ 193,000 |
| Richland, South Carolina | 2 | $ 262,000 | $ 131,000 | $ 127,000 |
| Spartanburg, South Carolina | 2 | $ 276,000 | $ 138,000 | $ 50,000 |
| Roane, Tennessee | 2 | $ 3,027,000 | $ 1,513,500 | $ 38,000 |
| Shelby, Tennessee | 2 | $ 4,346,000 | $ 2,173,000 | $ 0 |
| Wilson, Tennessee | 2 | $ 140,000 | $ 70,000 | $ 54,000 |
| Tarrant, Texas | 2 | $ 212,000 | $ 106,000 | $ 36,000 |
| Alexandria, Virginia | 2 | $ 175,000 | $ 87,500 | $ 280,000 |
| Bath, Virginia | 2 | $ 218,000 | $ 109,000 | $ 78,000 |
| Colonial Heights, Virginia | 2 | $ 747,000 | $ 373,500 | $ 52,000 |
| Craig, Virginia | 2 | $ 304,000 | $ 152,000 | $ 95,000 |
| Fluvanna, Virginia | 2 | $ 530,000 | $ 265,000 | $ 159,000 |
| Greene, Virginia | 2 | $ 220,000 | $ 110,000 | $ 72,000 |
| Halifax, Virginia | 2 | $ 206,000 | $ 103,000 | $ 40,000 |
| Hanover, Virginia | 2 | $ 603,000 | $ 301,500 | $ 144,000 |
| Henry, Virginia | 2 | $ 192,000 | $ 96,000 | $ 80,000 |
| Louisa, Virginia | 2 | $ 122,000 | $ 61,000 | $ 137,000 |
| Prince William, Virginia | 2 | $ 65,000 | $ 32,500 | $ 168,000 |
| Shenandoah, Virginia | 2 | $ 183,000 | $ 91,500 | $ 107,000 |
| Tazewell, Virginia | 2 | $ 173,000 | $ 86,500 | $ 69,000 |
| Virginia Beach, Virginia | 2 | $ 602,000 | $ 301,000 | $ 157,000 |
| Randolph, West Virginia | 2 | $ 135,000 | $ 67,500 | $ 53,000 |
| Kern, California | 1 | $ 2,200,000 | $ 2,200,000 | $ 0 |
| Santa Clara, California | 1 | $ 5,928,000 | $ 5,928,000 | $ 0 |
| Sonoma, California | 1 | $ 4,000,000 | $ 4,000,000 | $ 0 |
| Boulder, Colorado | 1 | $ 414,000 | $ 414,000 | $ 781,000 |
| Jefferson, Colorado | 1 | $ 168,000 | $ 168,000 | $ 94,000 |
| Las Animas, Colorado | 1 | $ 140,000 | $ 140,000 | $ 140,000 |
| Manatee, Florida | 1 | $ 63,000 | $ 63,000 | $ 136,000 |
| Monroe, Florida | 1 | $ 351,000 | $ 351,000 | $ 189,000 |
| Orange, Florida | 1 | $ 255,000 | $ 255,000 | $ 187,000 |
| Seminole, Florida | 1 | $ 13,772,000 | $ 13,772,000 | $ 0 |
| Sumter, Florida | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Volusia, Florida | 1 | $ 56,000 | $ 56,000 | $ 91,000 |
| Walton, Florida | 1 | $ 2,300,000 | $ 2,300,000 | $ 1,203,000 |
| Bibb, Georgia | 1 | $ 733,000 | $ 733,000 | $ 0 |
| Carroll, Georgia | 1 | $ 38,000 | $ 38,000 | $ 75,000 |
| Catoosa, Georgia | 1 | $ 152,000 | $ 152,000 | $ 59,000 |
| Chatham, Georgia | 1 | $ 184,000 | $ 184,000 | $ 300,000 |
| Floyd, Georgia | 1 | $ 684,000 | $ 684,000 | $ 210,000 |
| Lincoln, Georgia | 1 | $ 299,000 | $ 299,000 | $ 373,000 |
| Washington, Georgia | 1 | $ 102,000 | $ 102,000 | $ 28,000 |
| Whitfield, Georgia | 1 | $ 180,000 | $ 180,000 | $ 36,000 |
| Honolulu, Hawaii | 1 | $ 2,442,000 | $ 2,442,000 | $ 0 |
| Maui, Hawaii | 1 | $ 21,808,000 | $ 21,808,000 | $ 0 |
| Calvert, Maryland | 1 | $ 520,000 | $ 520,000 | $ 301,000 |
| Wicomico, Maryland | 1 | $ 143,000 | $ 143,000 | $ 26,000 |
| Bolivar, Mississippi | 1 | $ 1,878,000 | $ 1,878,000 | $ 0 |
| Hinds, Mississippi | 1 | $ 598,000 | $ 598,000 | $ 0 |
| New York, New York | 1 | $ 2,082,000 | $ 2,082,000 | $ 0 |
| Caswell, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 89,000 |
| Currituck, North Carolina | 1 | $ 393,000 | $ 393,000 | $ 285,000 |
| Edgecombe, North Carolina | 1 | $ 150,000 | $ 150,000 | $ 507,000 |
| Hyde, North Carolina | 1 | $ 38,000 | $ 38,000 | $ 14,000 |
| Garfield, Oklahoma | 1 | $ 84,000 | $ 84,000 | $ 124,000 |
| Jackson, Oregon | 1 | $ 385,000 | $ 385,000 | $ 840,000 |
| Allegheny, Pennsylvania | 1 | $ 863,000 | $ 863,000 | $ 0 |
| Lawrence, Pennsylvania | 1 | $ 2,308,000 | $ 2,308,000 | $ 0 |
| Philadelphia, Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 71,000 |
| Chesterfield, South Carolina | 1 | $ 94,000 | $ 94,000 | $ 20,000 |
| Colleton, South Carolina | 1 | $ 417,000 | $ 417,000 | $ 148,000 |
| Fairfield, South Carolina | 1 | $ 292,000 | $ 292,000 | $ 331,000 |
| Lancaster, South Carolina | 1 | $ 40,000 | $ 40,000 | $ 144,000 |
| Laurens, South Carolina | 1 | $ 63,000 | $ 63,000 | $ 61,000 |
| Lexington, South Carolina | 1 | $ 114,000 | $ 114,000 | $ 30,000 |
| Saluda, South Carolina | 1 | $ 195,000 | $ 195,000 | $ 364,000 |
| Carter, Tennessee | 1 | $ 230,000 | $ 230,000 | $ 158,000 |
| Hamblen, Tennessee | 1 | $ 193,000 | $ 193,000 | $ 420,000 |
| Jefferson, Tennessee | 1 | $ 60,000 | $ 60,000 | $ 99,000 |
| Marion, Tennessee | 1 | $ 242,000 | $ 242,000 | $ 108,000 |
| Maury, Tennessee | 1 | $ 400,000 | $ 400,000 | $ 237,000 |
| Sumner, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 82,000 |
| Bell, Texas | 1 | $ 3,570,000 | $ 3,570,000 | $ 0 |
| Galveston, Texas | 1 | $ 1,360,000 | $ 1,360,000 | $ 0 |
| Harris, Texas | 1 | $ 4,760,000 | $ 4,760,000 | $ 0 |
| Accomack, Virginia | 1 | $ 128,000 | $ 128,000 | $ 56,000 |
| Amelia, Virginia | 1 | $ 143,000 | $ 143,000 | $ 356,000 |
| Amherst, Virginia | 1 | $ 65,000 | $ 65,000 | $ 26,000 |
| Appomattox, Virginia | 1 | $ 121,000 | $ 121,000 | $ 50,000 |
| Chesapeake, Virginia | 1 | $ 240,000 | $ 240,000 | $ 65,000 |
| Covington, Virginia | 1 | $ 25,000 | $ 25,000 | $ 40,000 |
| Dinwiddie, Virginia | 1 | $ 30,000 | $ 30,000 | $ 26,000 |
| Fredericksburg, Virginia | 1 | $ 275,000 | $ 275,000 | $ 73,000 |
| Giles, Virginia | 1 | $ 286,000 | $ 286,000 | $ 196,000 |
| Martinsville, Virginia | 1 | $ 210,000 | $ 210,000 | $ 120,000 |
| Mathews, Virginia | 1 | $ 50,000 | $ 50,000 | $ 105,000 |
| Middlesex, Virginia | 1 | $ 417,000 | $ 417,000 | $ 333,000 |
| New Kent, Virginia | 1 | $ 380,000 | $ 380,000 | $ 42,000 |
| Newport News, Virginia | 1 | $ 145,000 | $ 145,000 | $ 120,000 |
| Northampton, Virginia | 1 | $ 417,000 | $ 417,000 | $ 686,000 |
| Page, Virginia | 1 | $ 290,000 | $ 290,000 | $ 81,000 |
| Patrick, Virginia | 1 | $ 139,000 | $ 139,000 | $ 54,000 |
| Radford, Virginia | 1 | $ 220,000 | $ 220,000 | $ 198,000 |
| Southampton, Virginia | 1 | $ 108,000 | $ 108,000 | $ 34,000 |
| Suffolk, Virginia | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Sussex, Virginia | 1 | $ 30,000 | $ 30,000 | $ 93,000 |
| Washington, Virginia | 1 | $ 352,000 | $ 352,000 | $ 173,000 |
| Westmoreland, Virginia | 1 | $ 199,000 | $ 199,000 | $ 40,000 |
| Wythe, Virginia | 1 | $ 130,000 | $ 130,000 | $ 58,000 |
| Kitsap, Washington | 1 | $ 4,122,000 | $ 4,122,000 | $ 0 |
| Kanawha, West Virginia | 1 | $ 105,000 | $ 105,000 | $ 115,000 |
| McDowell, West Virginia | 1 | $ 47,000 | $ 47,000 | $ 21,000 |
| Mercer, West Virginia | 1 | $ 81,000 | $ 81,000 | $ 36,000 |
| Putnam, West Virginia | 1 | $ 149,000 | $ 149,000 | $ 61,000 |
| Webster, West Virginia | 1 | $ 97,000 | $ 97,000 | $ 22,000 |
Mortgage Loan Application Detail Totals for First-Citizens Bank & Trust Co in 2010
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 | 3,651 | $764,260,000 | $209,000 | $13,772,000 | $133,000 | $2,800,000 |
| Home Purchase | 1,888 | $685,814,000 | $363,000 | $38,157,000 | $117,000 | $3,605,000 |
| Home Improvement | 275 | $27,255,000 | $99,000 | $710,000 | $85,000 | $455,000 |
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 | 4,469 | $882,439,000 | $197,000 | $2,300,000 | $132,000 | $3,605,000 |
| Not Provided | 524 | $91,730,000 | $175,000 | $1,375,000 | $165,000 | $1,749,000 |
| Not applicable | 342 | $421,075,000 | $1,231,000 | $38,157,000 | $3,000 | $181,000 |
| Black or African American | 235 | $30,586,000 | $130,000 | $785,000 | $90,000 | $645,000 |
| Asian | 109 | $26,814,000 | $246,000 | $1,639,000 | $160,000 | $2,053,000 |
| Hispanic | 69 | $11,557,000 | $167,000 | $464,000 | $93,000 | $430,000 |
| Native Hawaiian or Other Pacific Islander | 41 | $10,509,000 | $256,000 | $980,000 | $140,000 | $432,000 |
| American Indian or Alaskan Native | 25 | $2,619,000 | $104,000 | $214,000 | $78,000 | $230,000 |
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) | 5,391 | $1,414,945,000 | $262,000 | $38,157,000 | $131,000 | $3,605,000 |
| FHA-insured (Federal Housing Administration) | 340 | $50,937,000 | $149,000 | $666,000 | $64,000 | $521,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 47 | $5,915,000 | $125,000 | $306,000 | $42,000 | $130,000 |
| VA-guaranteed (Veterans Administration) | 36 | $5,532,000 | $153,000 | $296,000 | $70,000 | $211,000 |
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 | 3,613 | $704,062,000 | $194,000 | $1,908,000 | $140,000 | $3,605,000 |
| Application Denied By Financial Institution | 985 | $173,059,000 | $175,000 | $2,300,000 | $91,000 | $2,053,000 |
| Application Withdrawn By Applicant | 621 | $130,219,000 | $209,000 | $1,375,000 | $138,000 | $1,623,000 |
| Loan Purchased By The Institution | 220 | $401,954,000 | $1,827,000 | $38,157,000 | $5,000 | $181,000 |
| Application Approved But Not Accepted | 193 | $30,523,000 | $158,000 | $956,000 | $136,000 | $852,000 |
| File Closed For Incompleteness | 157 | $32,887,000 | $209,000 | $1,770,000 | $119,000 | $1,350,000 |
| Preapproval Denied by Financial Institution | 25 | $4,625,000 | $185,000 | $900,000 | $63,000 | $298,000 |
| Preapproval Approved but not Accepted | 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 | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First-Citizens Bank & Trust Co's 2010 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-Citizens Bank & Trust Co'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 North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.
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