First-Citizens Bank & Trust Co Mortgage Lending & HMDA Data, 2003
In 2003, First-Citizens Bank & Trust Co of Raleigh, NC reported 9,540 mortgage applications totaling $1.3 billion. The average application was for $135,907, and applicants reported an average income of $82,358. 77% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Raleigh-Durham-Chapel Hill, NC (1,122), Greensboro--Winston-Salem--High Point, NC (832) and Charlotte-Gastonia-Rock Hill, NC-SC (545) (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 | 9,540 |
| Total Mortgage Loan Application Amount | $1,296,560,000 |
| Average Mortgage Loan Application Amount | $135,907 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $82,358 |
| Highest Applicant Income | $5,347,000 |
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records First-Citizens Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 554 | $ 112,331,000 | $ 202,763 | $ 77,000 |
| New Hanover, North Carolina | 341 | $ 70,552,000 | $ 206,897 | $ 152,000 |
| Carteret, North Carolina | 339 | $ 50,765,000 | $ 149,749 | $ 86,000 |
| Buncombe, North Carolina | 338 | $ 66,530,000 | $ 196,834 | $ 79,000 |
| Guilford, North Carolina | 324 | $ 51,931,000 | $ 160,280 | $ 96,000 |
| Mecklenburg, North Carolina | 310 | $ 48,093,000 | $ 155,138 | $ 87,000 |
| Johnston, North Carolina | 273 | $ 28,661,000 | $ 104,985 | $ 64,000 |
| Forsyth, North Carolina | 267 | $ 39,602,000 | $ 148,322 | $ 65,000 |
| Craven, North Carolina | 239 | $ 34,896,000 | $ 146,008 | $ 76,000 |
| Henderson, North Carolina | 236 | $ 35,810,000 | $ 151,737 | $ 99,000 |
| Cumberland, North Carolina | 224 | $ 21,495,000 | $ 95,959 | $ 123,000 |
| Onslow, North Carolina | 224 | $ 25,446,000 | $ 113,598 | $ 118,000 |
| Pitt, North Carolina | 202 | $ 34,336,000 | $ 169,980 | $ 64,000 |
| Caldwell, North Carolina | 180 | $ 18,269,000 | $ 101,494 | $ 39,000 |
| Pittsylvania, Virginia | 159 | $ 17,715,000 | $ 111,415 | $ 45,000 |
| Sampson, North Carolina | 143 | $ 11,168,000 | $ 78,097 | $ 69,000 |
| Burke, North Carolina | 136 | $ 14,847,000 | $ 109,169 | $ 79,000 |
| Brunswick, North Carolina | 135 | $ 23,019,000 | $ 170,511 | $ 104,000 |
| Pocahontas, West Virginia | 131 | $ 9,721,000 | $ 74,206 | $ 50,000 |
| Catawba, North Carolina | 129 | $ 16,766,000 | $ 129,968 | $ 67,000 |
| Union, North Carolina | 127 | $ 19,912,000 | $ 156,787 | $ 69,000 |
| Franklin, North Carolina | 124 | $ 12,365,000 | $ 99,717 | $ 60,000 |
| Mecklenburg, Virginia | 117 | $ 14,887,000 | $ 127,239 | $ 69,000 |
| Pender, North Carolina | 116 | $ 17,187,000 | $ 148,163 | $ 86,000 |
| Greenbrier, West Virginia | 114 | $ 9,955,000 | $ 87,324 | $ 67,000 |
| Watauga, North Carolina | 105 | $ 24,594,000 | $ 234,228 | $ 171,000 |
| Lee, North Carolina | 104 | $ 8,916,000 | $ 85,730 | $ 69,000 |
| Lenoir, North Carolina | 98 | $ 7,229,000 | $ 73,765 | $ 56,000 |
| Durham, North Carolina | 92 | $ 12,914,000 | $ 140,369 | $ 73,000 |
| Transylvania, North Carolina | 88 | $ 13,341,000 | $ 151,602 | $ 82,000 |
| Stokes, North Carolina | 87 | $ 8,805,000 | $ 101,206 | $ 45,000 |
| Haywood, North Carolina | 86 | $ 13,261,000 | $ 154,197 | $ 86,000 |
| Rockingham, North Carolina | 86 | $ 9,342,000 | $ 108,627 | $ 57,000 |
| Roanoke, Virginia | 84 | $ 12,094,000 | $ 143,976 | $ 69,000 |
| Macon, North Carolina | 83 | $ 16,078,000 | $ 193,710 | $ 70,000 |
| Harnett, North Carolina | 79 | $ 7,566,000 | $ 95,772 | $ 60,000 |
| Bladen, North Carolina | 78 | $ 5,808,000 | $ 74,461 | $ 69,000 |
| Surry, North Carolina | 77 | $ 6,515,000 | $ 84,610 | $ 54,000 |
| Roanoke City, Virginia | 72 | $ 8,236,000 | $ 114,388 | $ 39,000 |
| Columbus, North Carolina | 71 | $ 5,179,000 | $ 72,943 | $ 74,000 |
| Pamlico, North Carolina | 71 | $ 8,091,000 | $ 113,957 | $ 60,000 |
| Danville, Virginia | 67 | $ 6,419,000 | $ 95,805 | $ 63,000 |
| Avery, North Carolina | 66 | $ 8,253,000 | $ 125,045 | $ 146,000 |
| Wayne, North Carolina | 63 | $ 6,087,000 | $ 96,619 | $ 102,000 |
| Iredell, North Carolina | 62 | $ 8,942,000 | $ 144,225 | $ 94,000 |
| Cherokee, North Carolina | 61 | $ 6,326,000 | $ 103,704 | $ 83,000 |
| Randolph, North Carolina | 60 | $ 6,456,000 | $ 107,600 | $ 56,000 |
| Bedford, Virginia | 60 | $ 8,377,000 | $ 139,616 | $ 49,000 |
| Montgomery, Virginia | 60 | $ 8,906,000 | $ 148,433 | $ 289,000 |
| Duplin, North Carolina | 56 | $ 3,033,000 | $ 54,160 | $ 88,000 |
| Clay, North Carolina | 55 | $ 5,720,000 | $ 104,000 | $ 67,000 |
| Lincoln, North Carolina | 53 | $ 7,290,000 | $ 137,547 | $ 61,000 |
| Brunswick, Virginia | 53 | $ 4,481,000 | $ 84,547 | $ 40,000 |
| Jackson, North Carolina | 52 | $ 8,915,000 | $ 171,442 | $ 106,000 |
| Orange, North Carolina | 52 | $ 10,693,000 | $ 205,634 | $ 110,000 |
| Davidson, North Carolina | 49 | $ 7,588,000 | $ 154,857 | $ 77,000 |
| Moore, North Carolina | 49 | $ 8,935,000 | $ 182,346 | $ 155,000 |
| Rutherford, North Carolina | 48 | $ 4,041,000 | $ 84,187 | $ 49,000 |
| Beaufort, North Carolina | 47 | $ 5,886,000 | $ 125,234 | $ 70,000 |
| Graham, North Carolina | 45 | $ 3,833,000 | $ 85,177 | $ 62,000 |
| Ashe, North Carolina | 44 | $ 4,832,000 | $ 109,818 | $ 61,000 |
| Alexander, North Carolina | 42 | $ 4,274,000 | $ 101,761 | $ 80,000 |
| Stanly, North Carolina | 42 | $ 3,625,000 | $ 86,309 | $ 68,000 |
| McDowell, North Carolina | 41 | $ 4,228,000 | $ 103,121 | $ 113,000 |
| Swain, North Carolina | 41 | $ 3,336,000 | $ 81,365 | $ 61,000 |
| Wilkes, North Carolina | 37 | $ 3,264,000 | $ 88,216 | $ 45,000 |
| Albemarle, Virginia | 37 | $ 7,927,000 | $ 214,243 | $ 117,000 |
| Alleghany, North Carolina | 36 | $ 4,710,000 | $ 130,833 | $ 53,000 |
| Cabarrus, North Carolina | 36 | $ 6,063,000 | $ 168,416 | $ 53,000 |
| Madison, North Carolina | 36 | $ 3,168,000 | $ 88,000 | $ 52,000 |
| Lunenburg, Virginia | 34 | $ 3,132,000 | $ 92,117 | $ 51,000 |
| Vance, North Carolina | 33 | $ 2,643,000 | $ 80,090 | $ 54,000 |
| Wilson, North Carolina | 33 | $ 3,390,000 | $ 102,727 | $ 73,000 |
| Greensville, Virginia | 32 | $ 1,677,000 | $ 52,406 | $ 40,000 |
| Pasquotank, North Carolina | 30 | $ 3,085,000 | $ 102,833 | $ 38,000 |
| Alleghany, Virginia | 30 | $ 1,688,000 | $ 56,266 | $ 64,000 |
| Halifax, North Carolina | 29 | $ 3,628,000 | $ 125,103 | $ 104,000 |
| Carroll, Virginia | 29 | $ 2,650,000 | $ 91,379 | $ 41,000 |
| Martin, North Carolina | 28 | $ 2,502,000 | $ 89,357 | $ 56,000 |
| Polk, North Carolina | 28 | $ 3,417,000 | $ 122,035 | $ 66,000 |
| Warren, North Carolina | 28 | $ 3,422,000 | $ 122,214 | $ 69,000 |
| Horry, South Carolina | 28 | $ 3,935,000 | $ 140,535 | $ 134,000 |
| Chatham, North Carolina | 27 | $ 3,981,000 | $ 147,444 | $ 125,000 |
| Rockingham, Virginia | 27 | $ 3,858,000 | $ 142,888 | $ 84,000 |
| Lynchburg, Virginia | 26 | $ 2,361,000 | $ 90,807 | $ 51,000 |
| Augusta, Virginia | 25 | $ 3,286,000 | $ 131,440 | $ 61,000 |
| Nash, North Carolina | 21 | $ 3,149,000 | $ 149,952 | $ 89,000 |
| Yadkin, North Carolina | 21 | $ 2,362,000 | $ 112,476 | $ 46,000 |
| Franklin, Virginia | 21 | $ 4,308,000 | $ 205,142 | $ 135,000 |
| Grayson, Virginia | 21 | $ 1,265,000 | $ 60,238 | $ 66,000 |
| Greene, North Carolina | 20 | $ 1,420,000 | $ 71,000 | $ 67,000 |
| Botetourt, Virginia | 20 | $ 2,693,000 | $ 134,650 | $ 65,000 |
| Hoke, North Carolina | 19 | $ 2,023,000 | $ 106,473 | $ 71,000 |
| Northampton, North Carolina | 19 | $ 1,498,000 | $ 78,842 | $ 51,000 |
| Pulaski, Virginia | 19 | $ 1,704,000 | $ 89,684 | $ 77,000 |
| Yancey, North Carolina | 18 | $ 1,551,000 | $ 86,166 | $ 76,000 |
| Emporia, Virginia | 17 | $ 1,111,000 | $ 65,352 | $ 48,000 |
| Harrisonburg, Virginia | 17 | $ 2,595,000 | $ 152,647 | $ 120,000 |
| Jones, North Carolina | 15 | $ 2,756,000 | $ 183,733 | $ 133,000 |
| Nottoway, Virginia | 15 | $ 1,323,000 | $ 88,200 | $ 44,000 |
| Gaston, North Carolina | 14 | $ 1,688,000 | $ 120,571 | $ 54,000 |
| Campbell, Virginia | 14 | $ 1,399,000 | $ 99,928 | $ 53,000 |
| Davie, North Carolina | 13 | $ 2,084,000 | $ 160,307 | $ 78,000 |
| Robeson, North Carolina | 13 | $ 907,000 | $ 69,769 | $ 55,000 |
| Charleston, South Carolina | 13 | $ 3,980,000 | $ 306,153 | $ 223,000 |
| Dare, North Carolina | 12 | $ 3,772,000 | $ 314,333 | $ 112,000 |
| Salem, Virginia | 12 | $ 1,396,000 | $ 116,333 | $ 63,000 |
| Alamance, North Carolina | 11 | $ 1,969,000 | $ 179,000 | $ 149,000 |
| Covington, Virginia | 11 | $ 466,000 | $ 42,363 | $ 32,000 |
| Henry, Virginia | 11 | $ 937,000 | $ 85,181 | $ 44,000 |
| Cleveland, North Carolina | 10 | $ 628,000 | $ 62,800 | $ 50,000 |
| Bedford City, Virginia | 10 | $ 1,282,000 | $ 128,200 | $ 86,000 |
| Charlotte, Virginia | 9 | $ 676,000 | $ 75,111 | $ 33,000 |
| Floyd, Virginia | 9 | $ 847,000 | $ 94,111 | $ 47,000 |
| Staunton, Virginia | 9 | $ 724,000 | $ 80,444 | $ 47,000 |
| Sussex, Virginia | 9 | $ 366,000 | $ 40,666 | $ 26,000 |
| Monroe, West Virginia | 9 | $ 674,000 | $ 74,888 | $ 49,000 |
| Anson, North Carolina | 8 | $ 542,000 | $ 67,750 | $ 47,000 |
| Perquimans, North Carolina | 8 | $ 882,000 | $ 110,250 | $ 66,000 |
| Charlottesville, Virginia | 8 | $ 1,746,000 | $ 218,250 | $ 119,000 |
| Edgecombe, North Carolina | 7 | $ 777,000 | $ 111,000 | $ 67,000 |
| Georgetown, South Carolina | 7 | $ 1,536,000 | $ 219,428 | $ 385,000 |
| Bath, Virginia | 7 | $ 437,000 | $ 62,428 | $ 49,000 |
| Patrick, Virginia | 7 | $ 789,000 | $ 112,714 | $ 67,000 |
| Warren, Virginia | 7 | $ 1,073,000 | $ 153,285 | $ 72,000 |
| Camden, North Carolina | 6 | $ 460,000 | $ 76,666 | $ 50,000 |
| Caswell, North Carolina | 6 | $ 1,058,000 | $ 176,333 | $ 144,000 |
| Gates, North Carolina | 6 | $ 409,000 | $ 68,166 | $ 47,000 |
| York, South Carolina | 6 | $ 1,006,000 | $ 167,666 | $ 51,000 |
| Chesapeake, Virginia | 6 | $ 520,000 | $ 86,666 | $ 76,000 |
| Chowan, North Carolina | 5 | $ 610,000 | $ 122,000 | $ 91,000 |
| Montgomery, North Carolina | 5 | $ 1,121,000 | $ 224,200 | $ 221,000 |
| Rowan, North Carolina | 5 | $ 403,000 | $ 80,600 | $ 70,000 |
| Beaufort, South Carolina | 5 | $ 2,210,000 | $ 442,000 | $ 276,000 |
| Amherst, Virginia | 5 | $ 880,000 | $ 176,000 | $ 73,000 |
| Galax, Virginia | 5 | $ 443,000 | $ 88,600 | $ 93,000 |
| Greene, Virginia | 5 | $ 567,000 | $ 113,400 | $ 67,000 |
| Halifax, Virginia | 5 | $ 386,000 | $ 77,200 | $ 36,000 |
| Virginia Beach, Virginia | 5 | $ 695,000 | $ 139,000 | $ 63,000 |
| Randolph, West Virginia | 5 | $ 222,000 | $ 44,400 | $ 63,000 |
| Granville, North Carolina | 4 | $ 546,000 | $ 136,500 | $ 98,000 |
| Hyde, North Carolina | 4 | $ 714,000 | $ 178,500 | $ 182,000 |
| Mitchell, North Carolina | 4 | $ 409,000 | $ 102,250 | $ 22,000 |
| Chesterfield, Virginia | 4 | $ 519,000 | $ 129,750 | $ 63,000 |
| Fairfax, Virginia | 4 | $ 495,000 | $ 123,750 | $ 94,000 |
| Louisa, Virginia | 4 | $ 566,000 | $ 141,500 | $ 104,000 |
| Martinsville, Virginia | 4 | $ 350,000 | $ 87,500 | $ 51,000 |
| Radford, Virginia | 4 | $ 830,000 | $ 207,500 | $ 9,000 |
| Richmond City, Virginia | 4 | $ 856,000 | $ 214,000 | $ 29,000 |
| Nicholas, West Virginia | 4 | $ 158,000 | $ 39,500 | $ 31,000 |
| Bertie, North Carolina | 3 | $ 190,000 | $ 63,333 | $ 90,000 |
| Currituck, North Carolina | 3 | $ 385,000 | $ 128,333 | $ 160,000 |
| Person, North Carolina | 3 | $ 530,000 | $ 176,666 | $ 183,000 |
| Greenville, South Carolina | 3 | $ 538,000 | $ 179,333 | $ 127,000 |
| Oconee, South Carolina | 3 | $ 1,377,000 | $ 459,000 | $ 71,000 |
| Spartanburg, South Carolina | 3 | $ 388,000 | $ 129,333 | $ 67,000 |
| Frederick, Virginia | 3 | $ 335,000 | $ 111,666 | $ 31,000 |
| Giles, Virginia | 3 | $ 462,000 | $ 154,000 | $ 53,000 |
| Henrico, Virginia | 3 | $ 735,000 | $ 245,000 | $ 188,000 |
| Summers, West Virginia | 3 | $ 234,000 | $ 78,000 | $ 59,000 |
| Monroe, Florida | 2 | $ 709,000 | $ 354,500 | $ 175,000 |
| Palm Beach, Florida | 2 | $ 765,000 | $ 382,500 | $ 123,000 |
| Walton, Florida | 2 | $ 555,000 | $ 277,500 | $ 754,000 |
| Fulton, Georgia | 2 | $ 587,000 | $ 293,500 | $ 517,000 |
| Glynn, Georgia | 2 | $ 266,000 | $ 133,000 | $ 188,000 |
| Rabun, Georgia | 2 | $ 242,000 | $ 121,000 | $ 11,000 |
| Union, Georgia | 2 | $ 87,000 | $ 43,500 | $ 38,000 |
| Berkeley, South Carolina | 2 | $ 135,000 | $ 67,500 | $ 69,000 |
| Dorchester, South Carolina | 2 | $ 340,000 | $ 170,000 | $ 52,000 |
| Lancaster, South Carolina | 2 | $ 231,000 | $ 115,500 | $ 224,000 |
| Richland, South Carolina | 2 | $ 341,000 | $ 170,500 | $ 87,000 |
| Carter, Tennessee | 2 | $ 212,000 | $ 106,000 | $ 0 |
| Dinwiddie, Virginia | 2 | $ 122,000 | $ 61,000 | $ 26,000 |
| Fluvanna, Virginia | 2 | $ 352,000 | $ 176,000 | $ 18,000 |
| Hopewell, Virginia | 2 | $ 117,000 | $ 58,500 | $ 28,000 |
| Mathews, Virginia | 2 | $ 317,000 | $ 158,500 | $ 146,000 |
| Newport News, Virginia | 2 | $ 140,000 | $ 70,000 | $ 34,000 |
| Prince William, Virginia | 2 | $ 278,000 | $ 139,000 | $ 52,000 |
| Shenandoah, Virginia | 2 | $ 254,000 | $ 127,000 | $ 64,000 |
| Smyth, Virginia | 2 | $ 237,000 | $ 118,500 | $ 92,000 |
| Stafford, Virginia | 2 | $ 440,000 | $ 220,000 | $ 103,000 |
| Suffolk, Virginia | 2 | $ 357,000 | $ 178,500 | $ 138,000 |
| Winchester, Virginia | 2 | $ 147,000 | $ 73,500 | $ 296,000 |
| Raleigh, West Virginia | 2 | $ 127,000 | $ 63,500 | $ 57,000 |
| Park, Colorado | 1 | $ 188,000 | $ 188,000 | $ 45,000 |
| Pitkin, Colorado | 1 | $ 220,000 | $ 220,000 | $ 826,000 |
| Bay, Florida | 1 | $ 273,000 | $ 273,000 | $ 494,000 |
| Brevard, Florida | 1 | $ 50,000 | $ 50,000 | $ 23,000 |
| Collier, Florida | 1 | $ 20,000 | $ 20,000 | $ 86,000 |
| Lee, Florida | 1 | $ 135,000 | $ 135,000 | $ 128,000 |
| Marion, Florida | 1 | $ 110,000 | $ 110,000 | $ 200,000 |
| Miami-Dade, Florida | 1 | $ 177,000 | $ 177,000 | $ 68,000 |
| Chatham, Georgia | 1 | $ 448,000 | $ 448,000 | $ 150,000 |
| Gwinnett, Georgia | 1 | $ 100,000 | $ 100,000 | $ 132,000 |
| Hertford, North Carolina | 1 | $ 52,000 | $ 52,000 | $ 51,000 |
| Scotland, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 40,000 |
| Tyrrell, North Carolina | 1 | $ 57,000 | $ 57,000 | $ 12,000 |
| Lucas, Ohio | 1 | $ 55,000 | $ 55,000 | $ 110,000 |
| Anderson, South Carolina | 1 | $ 78,000 | $ 78,000 | $ 67,000 |
| Chesterfield, South Carolina | 1 | $ 146,000 | $ 146,000 | $ 106,000 |
| Colleton, South Carolina | 1 | $ 165,000 | $ 165,000 | $ 111,000 |
| Fairfield, South Carolina | 1 | $ 230,000 | $ 230,000 | $ 572,000 |
| Greenwood, South Carolina | 1 | $ 28,000 | $ 28,000 | $ 72,000 |
| Lexington, South Carolina | 1 | $ 317,000 | $ 317,000 | $ 129,000 |
| Orangeburg, South Carolina | 1 | $ 110,000 | $ 110,000 | $ 102,000 |
| Jefferson, Tennessee | 1 | $ 50,000 | $ 50,000 | $ 64,000 |
| Johnson, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Accomack, Virginia | 1 | $ 56,000 | $ 56,000 | $ 144,000 |
| Alexandria, Virginia | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Amelia, Virginia | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Buckingham, Virginia | 1 | $ 83,000 | $ 83,000 | $ 57,000 |
| Craig, Virginia | 1 | $ 76,000 | $ 76,000 | $ 37,000 |
| Culpeper, Virginia | 1 | $ 65,000 | $ 65,000 | $ 298,000 |
| Gloucester, Virginia | 1 | $ 150,000 | $ 150,000 | $ 120,000 |
| Hanover, Virginia | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
| James City, Virginia | 1 | $ 92,000 | $ 92,000 | $ 200,000 |
| Loudoun, Virginia | 1 | $ 53,000 | $ 53,000 | $ 35,000 |
| Middlesex, Virginia | 1 | $ 127,000 | $ 127,000 | $ 96,000 |
| Nelson, Virginia | 1 | $ 377,000 | $ 377,000 | $ 212,000 |
| Northampton, Virginia | 1 | $ 147,000 | $ 147,000 | $ 129,000 |
| Page, Virginia | 1 | $ 344,000 | $ 344,000 | $ 0 |
| Powhatan, Virginia | 1 | $ 308,000 | $ 308,000 | $ 127,000 |
| Prince Edward, Virginia | 1 | $ 5,000 | $ 5,000 | $ 10,000 |
| Prince George, Virginia | 1 | $ 122,000 | $ 122,000 | $ 48,000 |
| Rockbridge, Virginia | 1 | $ 130,000 | $ 130,000 | $ 62,000 |
| Spotsylvania, Virginia | 1 | $ 184,000 | $ 184,000 | $ 62,000 |
| Washington, Virginia | 1 | $ 221,000 | $ 221,000 | $ 222,000 |
| Wythe, Virginia | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Fayette, West Virginia | 1 | $ 18,000 | $ 18,000 | $ 64,000 |
| Kanawha, West Virginia | 1 | $ 150,000 | $ 150,000 | $ 200,000 |
| Marion, West Virginia | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Mercer, West Virginia | 1 | $ 60,000 | $ 60,000 | $ 28,000 |
Mortgage Loan Application Detail Totals for First-Citizens Bank & Trust Co in 2003
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 (home purchase or home improvement, one-to-four family) | 6,276 | $885,571,000 | $154,125 | $1,680,000 | $157,250 | $4,134,000 |
| Home Purchase (one-to-four family) | 3,210 | $388,864,000 | $144,375 | $1,751,000 | $146,125 | $5,347,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 54 | $22,125,000 | $326,333 | $2,400,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 7,800 | $1,059,631,000 | $146,888 | $1,751,000 | $161,555 | $5,347,000 |
| Black | 594 | $48,564,000 | $107,000 | $550,000 | $67,400 | $578,000 |
| Information not provided by applicant in mail or telephone application | 516 | $101,389,000 | $230,500 | $1,000,000 | $151,500 | $2,016,000 |
| Not applicable | 293 | $45,330,000 | $103,200 | $2,400,000 | $0 | $0 |
| Hispanic | 147 | $13,244,000 | $124,000 | $521,000 | $66,000 | $777,000 |
| Asian or Pacific Islander | 88 | $15,332,000 | $199,000 | $631,000 | $141,000 | $1,192,000 |
| American Indian or Alaskan Native | 72 | $6,713,000 | $105,000 | $1,000,000 | $100,600 | $524,000 |
| Other | 30 | $6,357,000 | $165,333 | $870,000 | $337,000 | $770,000 |
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) | 9,540 | $1,296,560,000 | $144,666 | $2,400,000 | $154,555 | $5,347,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 7,323 | $1,061,572,000 | $160,750 | $2,400,000 | $222,375 | $5,347,000 |
| Application Denied By Financial Institution | 1,382 | $121,793,000 | $92,625 | $1,500,000 | $60,500 | $1,181,000 |
| Application Withdrawn By Applicant | 419 | $65,854,000 | $198,800 | $1,000,000 | $85,800 | $850,000 |
| Application Approved But Not Accepted | 264 | $31,083,000 | $145,500 | $1,000,000 | $93,000 | $1,320,000 |
| File Closed For Incompleteness | 89 | $13,867,000 | $138,750 | $639,000 | $127,000 | $651,000 |
| Loan Purchased By The Institution | 63 | $2,391,000 | $37,500 | $190,000 | $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 2003 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
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