First-Citizens Bank & Trust Co
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
First-Citizens Bank & Trust Co 2003 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-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 | $177,210 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $127,736 |
| Highest Applicant Income | $5,347,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with First-Citizens Bank & Trust Co. 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-Citizens Bank & Trust Co's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down First-Citizens Bank & Trust Co'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-Citizens Bank & Trust Co serves its applicants.
Each category highlights the total number of mortgage applications processed by First-Citizens Bank & Trust Co, 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-Citizens Bank & Trust Co's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wake County North Carolina | 554 | $ 112,331,000 | $ 202,000 | $ 77,000 |
| New Hanover County North Carolina | 341 | $ 70,552,000 | $ 206,000 | $ 152,000 |
| Carteret County North Carolina | 339 | $ 50,765,000 | $ 149,000 | $ 86,000 |
| Buncombe County North Carolina | 338 | $ 66,530,000 | $ 196,000 | $ 79,000 |
| Guilford County North Carolina | 324 | $ 51,931,000 | $ 160,000 | $ 96,000 |
| Mecklenburg County North Carolina | 310 | $ 48,093,000 | $ 155,000 | $ 87,000 |
| Johnston County North Carolina | 273 | $ 28,661,000 | $ 104,000 | $ 64,000 |
| Forsyth County North Carolina | 267 | $ 39,602,000 | $ 148,000 | $ 65,000 |
| Craven County North Carolina | 239 | $ 34,896,000 | $ 146,000 | $ 76,000 |
| Henderson County North Carolina | 236 | $ 35,810,000 | $ 151,000 | $ 99,000 |
| Cumberland County North Carolina | 224 | $ 21,495,000 | $ 95,000 | $ 123,000 |
| Onslow County North Carolina | 224 | $ 25,446,000 | $ 113,000 | $ 118,000 |
| Pitt County North Carolina | 202 | $ 34,336,000 | $ 169,000 | $ 64,000 |
| Caldwell County North Carolina | 180 | $ 18,269,000 | $ 101,000 | $ 39,000 |
| Pittsylvania County Virginia | 159 | $ 17,715,000 | $ 111,000 | $ 45,000 |
| Sampson County North Carolina | 143 | $ 11,168,000 | $ 78,000 | $ 69,000 |
| Burke County North Carolina | 136 | $ 14,847,000 | $ 109,000 | $ 79,000 |
| Brunswick County North Carolina | 135 | $ 23,019,000 | $ 170,000 | $ 104,000 |
| Pocahontas County West Virginia | 131 | $ 9,721,000 | $ 74,000 | $ 50,000 |
| Catawba County North Carolina | 129 | $ 16,766,000 | $ 129,000 | $ 67,000 |
| Union County North Carolina | 127 | $ 19,912,000 | $ 156,000 | $ 69,000 |
| Franklin County North Carolina | 124 | $ 12,365,000 | $ 99,000 | $ 60,000 |
| Mecklenburg County Virginia | 117 | $ 14,887,000 | $ 127,000 | $ 69,000 |
| Pender County North Carolina | 116 | $ 17,187,000 | $ 148,000 | $ 86,000 |
| Greenbrier County West Virginia | 114 | $ 9,955,000 | $ 87,000 | $ 67,000 |
| Watauga County North Carolina | 105 | $ 24,594,000 | $ 234,000 | $ 171,000 |
| Lee County North Carolina | 104 | $ 8,916,000 | $ 85,000 | $ 69,000 |
| Lenoir County North Carolina | 98 | $ 7,229,000 | $ 73,000 | $ 56,000 |
| Durham County North Carolina | 92 | $ 12,914,000 | $ 140,000 | $ 73,000 |
| Transylvania County North Carolina | 88 | $ 13,341,000 | $ 151,000 | $ 82,000 |
| Stokes County North Carolina | 87 | $ 8,805,000 | $ 101,000 | $ 45,000 |
| Haywood County North Carolina | 86 | $ 13,261,000 | $ 154,000 | $ 86,000 |
| Rockingham County North Carolina | 86 | $ 9,342,000 | $ 108,000 | $ 57,000 |
| Roanoke County Virginia | 84 | $ 12,094,000 | $ 143,000 | $ 69,000 |
| Macon County North Carolina | 83 | $ 16,078,000 | $ 193,000 | $ 70,000 |
| Harnett County North Carolina | 79 | $ 7,566,000 | $ 95,000 | $ 60,000 |
| Bladen County North Carolina | 78 | $ 5,808,000 | $ 74,000 | $ 69,000 |
| Surry County North Carolina | 77 | $ 6,515,000 | $ 84,000 | $ 54,000 |
| Roanoke City County Virginia | 72 | $ 8,236,000 | $ 114,000 | $ 39,000 |
| Columbus County North Carolina | 71 | $ 5,179,000 | $ 72,000 | $ 74,000 |
| Pamlico County North Carolina | 71 | $ 8,091,000 | $ 113,000 | $ 60,000 |
| Danville County Virginia | 67 | $ 6,419,000 | $ 95,000 | $ 63,000 |
| Avery County North Carolina | 66 | $ 8,253,000 | $ 125,000 | $ 146,000 |
| Wayne County North Carolina | 63 | $ 6,087,000 | $ 96,000 | $ 102,000 |
| Iredell County North Carolina | 62 | $ 8,942,000 | $ 144,000 | $ 94,000 |
| Cherokee County North Carolina | 61 | $ 6,326,000 | $ 103,000 | $ 83,000 |
| Randolph County North Carolina | 60 | $ 6,456,000 | $ 107,000 | $ 56,000 |
| Bedford County Virginia | 60 | $ 8,377,000 | $ 139,000 | $ 49,000 |
| Montgomery County Virginia | 60 | $ 8,906,000 | $ 148,000 | $ 289,000 |
| Duplin County North Carolina | 56 | $ 3,033,000 | $ 54,000 | $ 88,000 |
| Clay County North Carolina | 55 | $ 5,720,000 | $ 104,000 | $ 67,000 |
| Lincoln County North Carolina | 53 | $ 7,290,000 | $ 137,000 | $ 61,000 |
| Brunswick County Virginia | 53 | $ 4,481,000 | $ 84,000 | $ 40,000 |
| Jackson County North Carolina | 52 | $ 8,915,000 | $ 171,000 | $ 106,000 |
| Orange County North Carolina | 52 | $ 10,693,000 | $ 205,000 | $ 110,000 |
| Davidson County North Carolina | 49 | $ 7,588,000 | $ 154,000 | $ 77,000 |
| Moore County North Carolina | 49 | $ 8,935,000 | $ 182,000 | $ 155,000 |
| Rutherford County North Carolina | 48 | $ 4,041,000 | $ 84,000 | $ 49,000 |
| Beaufort County North Carolina | 47 | $ 5,886,000 | $ 125,000 | $ 70,000 |
| Graham County North Carolina | 45 | $ 3,833,000 | $ 85,000 | $ 62,000 |
| Ashe County North Carolina | 44 | $ 4,832,000 | $ 109,000 | $ 61,000 |
| Alexander County North Carolina | 42 | $ 4,274,000 | $ 101,000 | $ 80,000 |
| Stanly County North Carolina | 42 | $ 3,625,000 | $ 86,000 | $ 68,000 |
| McDowell County North Carolina | 41 | $ 4,228,000 | $ 103,000 | $ 113,000 |
| Swain County North Carolina | 41 | $ 3,336,000 | $ 81,000 | $ 61,000 |
| Wilkes County North Carolina | 37 | $ 3,264,000 | $ 88,000 | $ 45,000 |
| Albemarle County Virginia | 37 | $ 7,927,000 | $ 214,000 | $ 117,000 |
| Alleghany County North Carolina | 36 | $ 4,710,000 | $ 130,000 | $ 53,000 |
| Cabarrus County North Carolina | 36 | $ 6,063,000 | $ 168,000 | $ 53,000 |
| Madison County North Carolina | 36 | $ 3,168,000 | $ 88,000 | $ 52,000 |
| Lunenburg County Virginia | 34 | $ 3,132,000 | $ 92,000 | $ 51,000 |
| Vance County North Carolina | 33 | $ 2,643,000 | $ 80,000 | $ 54,000 |
| Wilson County North Carolina | 33 | $ 3,390,000 | $ 102,000 | $ 73,000 |
| Greensville County Virginia | 32 | $ 1,677,000 | $ 52,000 | $ 40,000 |
| Pasquotank County North Carolina | 30 | $ 3,085,000 | $ 102,000 | $ 38,000 |
| Alleghany County Virginia | 30 | $ 1,688,000 | $ 56,000 | $ 64,000 |
| Halifax County North Carolina | 29 | $ 3,628,000 | $ 125,000 | $ 104,000 |
| Carroll County Virginia | 29 | $ 2,650,000 | $ 91,000 | $ 41,000 |
| Martin County North Carolina | 28 | $ 2,502,000 | $ 89,000 | $ 56,000 |
| Polk County North Carolina | 28 | $ 3,417,000 | $ 122,000 | $ 66,000 |
| Warren County North Carolina | 28 | $ 3,422,000 | $ 122,000 | $ 69,000 |
| Horry County South Carolina | 28 | $ 3,935,000 | $ 140,000 | $ 134,000 |
| Chatham County North Carolina | 27 | $ 3,981,000 | $ 147,000 | $ 125,000 |
| Rockingham County Virginia | 27 | $ 3,858,000 | $ 142,000 | $ 84,000 |
| Lynchburg County Virginia | 26 | $ 2,361,000 | $ 90,000 | $ 51,000 |
| Augusta County Virginia | 25 | $ 3,286,000 | $ 131,000 | $ 61,000 |
| Nash County North Carolina | 21 | $ 3,149,000 | $ 149,000 | $ 89,000 |
| Yadkin County North Carolina | 21 | $ 2,362,000 | $ 112,000 | $ 46,000 |
| Franklin County Virginia | 21 | $ 4,308,000 | $ 205,000 | $ 135,000 |
| Grayson County Virginia | 21 | $ 1,265,000 | $ 60,000 | $ 66,000 |
| Greene County North Carolina | 20 | $ 1,420,000 | $ 71,000 | $ 67,000 |
| Botetourt County Virginia | 20 | $ 2,693,000 | $ 134,000 | $ 65,000 |
| Hoke County North Carolina | 19 | $ 2,023,000 | $ 106,000 | $ 71,000 |
| Northampton County North Carolina | 19 | $ 1,498,000 | $ 78,000 | $ 51,000 |
| Pulaski County Virginia | 19 | $ 1,704,000 | $ 89,000 | $ 77,000 |
| Yancey County North Carolina | 18 | $ 1,551,000 | $ 86,000 | $ 76,000 |
| Emporia County Virginia | 17 | $ 1,111,000 | $ 65,000 | $ 48,000 |
| Harrisonburg County Virginia | 17 | $ 2,595,000 | $ 152,000 | $ 120,000 |
| Jones County North Carolina | 15 | $ 2,756,000 | $ 183,000 | $ 133,000 |
| Nottoway County Virginia | 15 | $ 1,323,000 | $ 88,000 | $ 44,000 |
| Gaston County North Carolina | 14 | $ 1,688,000 | $ 120,000 | $ 54,000 |
| Campbell County Virginia | 14 | $ 1,399,000 | $ 99,000 | $ 53,000 |
| Davie County North Carolina | 13 | $ 2,084,000 | $ 160,000 | $ 78,000 |
| Robeson County North Carolina | 13 | $ 907,000 | $ 69,000 | $ 55,000 |
| Charleston County South Carolina | 13 | $ 3,980,000 | $ 306,000 | $ 223,000 |
| Dare County North Carolina | 12 | $ 3,772,000 | $ 314,000 | $ 112,000 |
| Salem County Virginia | 12 | $ 1,396,000 | $ 116,000 | $ 63,000 |
| Alamance County North Carolina | 11 | $ 1,969,000 | $ 179,000 | $ 149,000 |
| Covington County Virginia | 11 | $ 466,000 | $ 42,000 | $ 32,000 |
| Henry County Virginia | 11 | $ 937,000 | $ 85,000 | $ 44,000 |
| Cleveland County North Carolina | 10 | $ 628,000 | $ 62,000 | $ 50,000 |
| Bedford City County Virginia | 10 | $ 1,282,000 | $ 128,000 | $ 86,000 |
| Charlotte County Virginia | 9 | $ 676,000 | $ 75,000 | $ 33,000 |
| Floyd County Virginia | 9 | $ 847,000 | $ 94,000 | $ 47,000 |
| Staunton County Virginia | 9 | $ 724,000 | $ 80,000 | $ 47,000 |
| Sussex County Virginia | 9 | $ 366,000 | $ 40,000 | $ 26,000 |
| Monroe County West Virginia | 9 | $ 674,000 | $ 74,000 | $ 49,000 |
| Anson County North Carolina | 8 | $ 542,000 | $ 67,000 | $ 47,000 |
| Perquimans County North Carolina | 8 | $ 882,000 | $ 110,000 | $ 66,000 |
| Charlottesville County Virginia | 8 | $ 1,746,000 | $ 218,000 | $ 119,000 |
| Edgecombe County North Carolina | 7 | $ 777,000 | $ 111,000 | $ 67,000 |
| Georgetown County South Carolina | 7 | $ 1,536,000 | $ 219,000 | $ 385,000 |
| Bath County Virginia | 7 | $ 437,000 | $ 62,000 | $ 49,000 |
| Patrick County Virginia | 7 | $ 789,000 | $ 112,000 | $ 67,000 |
| Warren County Virginia | 7 | $ 1,073,000 | $ 153,000 | $ 72,000 |
| Camden County North Carolina | 6 | $ 460,000 | $ 76,000 | $ 50,000 |
| Caswell County North Carolina | 6 | $ 1,058,000 | $ 176,000 | $ 144,000 |
| Gates County North Carolina | 6 | $ 409,000 | $ 68,000 | $ 47,000 |
| York County South Carolina | 6 | $ 1,006,000 | $ 167,000 | $ 51,000 |
| Chesapeake County Virginia | 6 | $ 520,000 | $ 86,000 | $ 76,000 |
| Chowan County North Carolina | 5 | $ 610,000 | $ 122,000 | $ 91,000 |
| Montgomery County North Carolina | 5 | $ 1,121,000 | $ 224,000 | $ 221,000 |
| Rowan County North Carolina | 5 | $ 403,000 | $ 80,000 | $ 70,000 |
| Beaufort County South Carolina | 5 | $ 2,210,000 | $ 442,000 | $ 276,000 |
| Amherst County Virginia | 5 | $ 880,000 | $ 176,000 | $ 73,000 |
| Galax County Virginia | 5 | $ 443,000 | $ 88,000 | $ 93,000 |
| Greene County Virginia | 5 | $ 567,000 | $ 113,000 | $ 67,000 |
| Halifax County Virginia | 5 | $ 386,000 | $ 77,000 | $ 36,000 |
| Virginia Beach County Virginia | 5 | $ 695,000 | $ 139,000 | $ 63,000 |
| Randolph County West Virginia | 5 | $ 222,000 | $ 44,000 | $ 63,000 |
| Granville County North Carolina | 4 | $ 546,000 | $ 136,000 | $ 98,000 |
| Hyde County North Carolina | 4 | $ 714,000 | $ 178,000 | $ 182,000 |
| Mitchell County North Carolina | 4 | $ 409,000 | $ 102,000 | $ 22,000 |
| Chesterfield County Virginia | 4 | $ 519,000 | $ 129,000 | $ 63,000 |
| Fairfax County Virginia | 4 | $ 495,000 | $ 123,000 | $ 94,000 |
| Louisa County Virginia | 4 | $ 566,000 | $ 141,000 | $ 104,000 |
| Martinsville County Virginia | 4 | $ 350,000 | $ 87,000 | $ 51,000 |
| Radford County Virginia | 4 | $ 830,000 | $ 207,000 | $ 9,000 |
| Richmond City County Virginia | 4 | $ 856,000 | $ 214,000 | $ 29,000 |
| Nicholas County West Virginia | 4 | $ 158,000 | $ 39,000 | $ 31,000 |
| Bertie County North Carolina | 3 | $ 190,000 | $ 63,000 | $ 90,000 |
| Currituck County North Carolina | 3 | $ 385,000 | $ 128,000 | $ 160,000 |
| Person County North Carolina | 3 | $ 530,000 | $ 176,000 | $ 183,000 |
| Greenville County South Carolina | 3 | $ 538,000 | $ 179,000 | $ 127,000 |
| Oconee County South Carolina | 3 | $ 1,377,000 | $ 459,000 | $ 71,000 |
| Spartanburg County South Carolina | 3 | $ 388,000 | $ 129,000 | $ 67,000 |
| Frederick County Virginia | 3 | $ 335,000 | $ 111,000 | $ 31,000 |
| Giles County Virginia | 3 | $ 462,000 | $ 154,000 | $ 53,000 |
| Henrico County Virginia | 3 | $ 735,000 | $ 245,000 | $ 188,000 |
| Summers County West Virginia | 3 | $ 234,000 | $ 78,000 | $ 59,000 |
| Monroe County Florida | 2 | $ 709,000 | $ 354,000 | $ 175,000 |
| Palm Beach County Florida | 2 | $ 765,000 | $ 382,000 | $ 123,000 |
| Walton County Florida | 2 | $ 555,000 | $ 277,000 | $ 754,000 |
| Fulton County Georgia | 2 | $ 587,000 | $ 293,000 | $ 517,000 |
| Glynn County Georgia | 2 | $ 266,000 | $ 133,000 | $ 188,000 |
| Rabun County Georgia | 2 | $ 242,000 | $ 121,000 | $ 11,000 |
| Union County Georgia | 2 | $ 87,000 | $ 43,000 | $ 38,000 |
| Berkeley County South Carolina | 2 | $ 135,000 | $ 67,000 | $ 69,000 |
| Dorchester County South Carolina | 2 | $ 340,000 | $ 170,000 | $ 52,000 |
| Lancaster County South Carolina | 2 | $ 231,000 | $ 115,000 | $ 224,000 |
| Richland County South Carolina | 2 | $ 341,000 | $ 170,000 | $ 87,000 |
| Carter County Tennessee | 2 | $ 212,000 | $ 106,000 | $ 0 |
| Dinwiddie County Virginia | 2 | $ 122,000 | $ 61,000 | $ 26,000 |
| Fluvanna County Virginia | 2 | $ 352,000 | $ 176,000 | $ 18,000 |
| Hopewell County Virginia | 2 | $ 117,000 | $ 58,000 | $ 28,000 |
| Mathews County Virginia | 2 | $ 317,000 | $ 158,000 | $ 146,000 |
| Newport News County Virginia | 2 | $ 140,000 | $ 70,000 | $ 34,000 |
| Prince William County Virginia | 2 | $ 278,000 | $ 139,000 | $ 52,000 |
| Shenandoah County Virginia | 2 | $ 254,000 | $ 127,000 | $ 64,000 |
| Smyth County Virginia | 2 | $ 237,000 | $ 118,000 | $ 92,000 |
| Stafford County Virginia | 2 | $ 440,000 | $ 220,000 | $ 103,000 |
| Suffolk County Virginia | 2 | $ 357,000 | $ 178,000 | $ 138,000 |
| Winchester County Virginia | 2 | $ 147,000 | $ 73,000 | $ 296,000 |
| Raleigh County West Virginia | 2 | $ 127,000 | $ 63,000 | $ 57,000 |
| Park County Colorado | 1 | $ 188,000 | $ 188,000 | $ 45,000 |
| Pitkin County Colorado | 1 | $ 220,000 | $ 220,000 | $ 826,000 |
| Bay County Florida | 1 | $ 273,000 | $ 273,000 | $ 494,000 |
| Brevard County Florida | 1 | $ 50,000 | $ 50,000 | $ 23,000 |
| Collier County Florida | 1 | $ 20,000 | $ 20,000 | $ 86,000 |
| Lee County Florida | 1 | $ 135,000 | $ 135,000 | $ 128,000 |
| Marion County Florida | 1 | $ 110,000 | $ 110,000 | $ 200,000 |
| Miami-Dade County Florida | 1 | $ 177,000 | $ 177,000 | $ 68,000 |
| Chatham County Georgia | 1 | $ 448,000 | $ 448,000 | $ 150,000 |
| Gwinnett County Georgia | 1 | $ 100,000 | $ 100,000 | $ 132,000 |
| Hertford County North Carolina | 1 | $ 52,000 | $ 52,000 | $ 51,000 |
| Scotland County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 40,000 |
| Tyrrell County North Carolina | 1 | $ 57,000 | $ 57,000 | $ 12,000 |
| Lucas County Ohio | 1 | $ 55,000 | $ 55,000 | $ 110,000 |
| Anderson County South Carolina | 1 | $ 78,000 | $ 78,000 | $ 67,000 |
| Chesterfield County South Carolina | 1 | $ 146,000 | $ 146,000 | $ 106,000 |
| Colleton County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 111,000 |
| Fairfield County South Carolina | 1 | $ 230,000 | $ 230,000 | $ 572,000 |
| Greenwood County South Carolina | 1 | $ 28,000 | $ 28,000 | $ 72,000 |
| Lexington County South Carolina | 1 | $ 317,000 | $ 317,000 | $ 129,000 |
| Orangeburg County South Carolina | 1 | $ 110,000 | $ 110,000 | $ 102,000 |
| Jefferson County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 64,000 |
| Johnson County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Accomack County Virginia | 1 | $ 56,000 | $ 56,000 | $ 144,000 |
| Alexandria County Virginia | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Amelia County Virginia | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Buckingham County Virginia | 1 | $ 83,000 | $ 83,000 | $ 57,000 |
| Craig County Virginia | 1 | $ 76,000 | $ 76,000 | $ 37,000 |
| Culpeper County Virginia | 1 | $ 65,000 | $ 65,000 | $ 298,000 |
| Gloucester County Virginia | 1 | $ 150,000 | $ 150,000 | $ 120,000 |
| Hanover County Virginia | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
| James City County Virginia | 1 | $ 92,000 | $ 92,000 | $ 200,000 |
| Loudoun County Virginia | 1 | $ 53,000 | $ 53,000 | $ 35,000 |
| Middlesex County Virginia | 1 | $ 127,000 | $ 127,000 | $ 96,000 |
| Nelson County Virginia | 1 | $ 377,000 | $ 377,000 | $ 212,000 |
| Northampton County Virginia | 1 | $ 147,000 | $ 147,000 | $ 129,000 |
| Page County Virginia | 1 | $ 344,000 | $ 344,000 | $ 0 |
| Powhatan County Virginia | 1 | $ 308,000 | $ 308,000 | $ 127,000 |
| Prince Edward County Virginia | 1 | $ 5,000 | $ 5,000 | $ 10,000 |
| Prince George County Virginia | 1 | $ 122,000 | $ 122,000 | $ 48,000 |
| Rockbridge County Virginia | 1 | $ 130,000 | $ 130,000 | $ 62,000 |
| Spotsylvania County Virginia | 1 | $ 184,000 | $ 184,000 | $ 62,000 |
| Washington County Virginia | 1 | $ 221,000 | $ 221,000 | $ 222,000 |
| Wythe County Virginia | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Fayette County West Virginia | 1 | $ 18,000 | $ 18,000 | $ 64,000 |
| Kanawha County West Virginia | 1 | $ 150,000 | $ 150,000 | $ 200,000 |
| Marion County West Virginia | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Mercer County 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.