First-Citizens Bank & Trust Co
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
First-Citizens Bank & Trust Co 2004 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 | 6,417 |
| Total Mortgage Loan Application Amount | $919,203,000 |
| Average Mortgage Loan Application Amount | $161,700 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $122,400 |
| Highest Applicant Income | $3,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 337 | $ 69,051,000 | $ 204,000 | $ 105,000 |
| Cumberland County North Carolina | 228 | $ 32,732,000 | $ 143,000 | $ 116,000 |
| New Hanover County North Carolina | 228 | $ 54,594,000 | $ 239,000 | $ 125,000 |
| Carteret County North Carolina | 217 | $ 41,130,000 | $ 189,000 | $ 96,000 |
| Pitt County North Carolina | 214 | $ 32,597,000 | $ 152,000 | $ 98,000 |
| Mecklenburg County North Carolina | 193 | $ 35,008,000 | $ 181,000 | $ 71,000 |
| Buncombe County North Carolina | 191 | $ 40,371,000 | $ 211,000 | $ 89,000 |
| Guilford County North Carolina | 163 | $ 26,492,000 | $ 162,000 | $ 64,000 |
| Onslow County North Carolina | 144 | $ 17,306,000 | $ 120,000 | $ 84,000 |
| Forsyth County North Carolina | 141 | $ 23,085,000 | $ 163,000 | $ 86,000 |
| Henderson County North Carolina | 133 | $ 24,207,000 | $ 182,000 | $ 85,000 |
| Craven County North Carolina | 127 | $ 19,530,000 | $ 153,000 | $ 70,000 |
| Johnston County North Carolina | 122 | $ 13,068,000 | $ 107,000 | $ 52,000 |
| Brunswick County North Carolina | 112 | $ 19,312,000 | $ 172,000 | $ 83,000 |
| Caldwell County North Carolina | 104 | $ 9,678,000 | $ 93,000 | $ 47,000 |
| Lee County North Carolina | 102 | $ 8,378,000 | $ 82,000 | $ 60,000 |
| Burke County North Carolina | 98 | $ 10,368,000 | $ 105,000 | $ 48,000 |
| Sampson County North Carolina | 98 | $ 6,120,000 | $ 62,000 | $ 51,000 |
| Greenbrier County West Virginia | 92 | $ 8,641,000 | $ 93,000 | $ 66,000 |
| Union County North Carolina | 90 | $ 15,918,000 | $ 176,000 | $ 69,000 |
| Bladen County North Carolina | 89 | $ 6,350,000 | $ 71,000 | $ 50,000 |
| Pocahontas County West Virginia | 88 | $ 6,040,000 | $ 68,000 | $ 75,000 |
| Lenoir County North Carolina | 85 | $ 6,103,000 | $ 71,000 | $ 56,000 |
| Mecklenburg County Virginia | 80 | $ 7,632,000 | $ 95,000 | $ 60,000 |
| Pender County North Carolina | 77 | $ 11,635,000 | $ 151,000 | $ 60,000 |
| Catawba County North Carolina | 73 | $ 10,741,000 | $ 147,000 | $ 69,000 |
| Franklin County North Carolina | 73 | $ 7,894,000 | $ 108,000 | $ 58,000 |
| Wayne County North Carolina | 67 | $ 7,218,000 | $ 107,000 | $ 75,000 |
| Roanoke County Virginia | 66 | $ 11,976,000 | $ 181,000 | $ 73,000 |
| Roanoke City County Virginia | 62 | $ 6,223,000 | $ 100,000 | $ 64,000 |
| Harnett County North Carolina | 61 | $ 6,488,000 | $ 106,000 | $ 72,000 |
| Columbus County North Carolina | 60 | $ 3,931,000 | $ 65,000 | $ 61,000 |
| Jackson County North Carolina | 60 | $ 16,735,000 | $ 278,000 | $ 149,000 |
| Rutherford County North Carolina | 60 | $ 4,234,000 | $ 70,000 | $ 43,000 |
| Pittsylvania County Virginia | 59 | $ 7,163,000 | $ 121,000 | $ 47,000 |
| Macon County North Carolina | 57 | $ 11,625,000 | $ 203,000 | $ 115,000 |
| Watauga County North Carolina | 57 | $ 12,662,000 | $ 222,000 | $ 145,000 |
| Ashe County North Carolina | 55 | $ 7,334,000 | $ 133,000 | $ 60,000 |
| Transylvania County North Carolina | 55 | $ 9,855,000 | $ 179,000 | $ 123,000 |
| Pamlico County North Carolina | 53 | $ 6,065,000 | $ 114,000 | $ 107,000 |
| Rockingham County North Carolina | 53 | $ 4,997,000 | $ 94,000 | $ 64,000 |
| Swain County North Carolina | 53 | $ 4,867,000 | $ 91,000 | $ 77,000 |
| Durham County North Carolina | 51 | $ 8,853,000 | $ 173,000 | $ 66,000 |
| Danville County Virginia | 49 | $ 4,500,000 | $ 91,000 | $ 120,000 |
| Cherokee County North Carolina | 48 | $ 5,191,000 | $ 108,000 | $ 86,000 |
| Bedford County Virginia | 43 | $ 5,347,000 | $ 124,000 | $ 68,000 |
| Beaufort County North Carolina | 42 | $ 5,411,000 | $ 128,000 | $ 107,000 |
| Iredell County North Carolina | 41 | $ 4,785,000 | $ 116,000 | $ 63,000 |
| Surry County North Carolina | 41 | $ 3,921,000 | $ 95,000 | $ 62,000 |
| Duplin County North Carolina | 39 | $ 2,502,000 | $ 64,000 | $ 72,000 |
| Stokes County North Carolina | 39 | $ 3,127,000 | $ 80,000 | $ 46,000 |
| Madison County North Carolina | 36 | $ 2,256,000 | $ 62,000 | $ 47,000 |
| Wilkes County North Carolina | 36 | $ 2,926,000 | $ 81,000 | $ 49,000 |
| Brunswick County Virginia | 33 | $ 2,459,000 | $ 74,000 | $ 43,000 |
| Avery County North Carolina | 32 | $ 3,974,000 | $ 124,000 | $ 110,000 |
| Chatham County North Carolina | 32 | $ 5,142,000 | $ 160,000 | $ 53,000 |
| Clay County North Carolina | 31 | $ 3,484,000 | $ 112,000 | $ 66,000 |
| Haywood County North Carolina | 31 | $ 5,273,000 | $ 170,000 | $ 89,000 |
| Orange County North Carolina | 31 | $ 7,663,000 | $ 247,000 | $ 93,000 |
| Lincoln County North Carolina | 30 | $ 4,040,000 | $ 134,000 | $ 50,000 |
| Pasquotank County North Carolina | 30 | $ 4,341,000 | $ 144,000 | $ 101,000 |
| Montgomery County Virginia | 30 | $ 3,982,000 | $ 132,000 | $ 342,000 |
| Rockingham County Virginia | 30 | $ 4,130,000 | $ 137,000 | $ 62,000 |
| Graham County North Carolina | 29 | $ 2,130,000 | $ 73,000 | $ 49,000 |
| Warren County North Carolina | 27 | $ 2,805,000 | $ 103,000 | $ 75,000 |
| Albemarle County Virginia | 26 | $ 5,720,000 | $ 220,000 | $ 90,000 |
| Moore County North Carolina | 25 | $ 6,262,000 | $ 250,000 | $ 164,000 |
| Wilson County North Carolina | 25 | $ 2,967,000 | $ 118,000 | $ 61,000 |
| Alleghany County Virginia | 25 | $ 1,181,000 | $ 47,000 | $ 31,000 |
| Cabarrus County North Carolina | 24 | $ 2,665,000 | $ 111,000 | $ 60,000 |
| Stanly County North Carolina | 24 | $ 2,589,000 | $ 107,000 | $ 51,000 |
| McDowell County North Carolina | 23 | $ 1,876,000 | $ 81,000 | $ 77,000 |
| Horry County South Carolina | 23 | $ 4,120,000 | $ 179,000 | $ 138,000 |
| Lunenburg County Virginia | 23 | $ 2,460,000 | $ 106,000 | $ 52,000 |
| Alexander County North Carolina | 22 | $ 2,729,000 | $ 124,000 | $ 79,000 |
| Davidson County North Carolina | 22 | $ 4,025,000 | $ 182,000 | $ 112,000 |
| Greene County North Carolina | 22 | $ 1,540,000 | $ 70,000 | $ 62,000 |
| Randolph County North Carolina | 22 | $ 2,497,000 | $ 113,000 | $ 35,000 |
| Charlottesville County Virginia | 21 | $ 2,940,000 | $ 140,000 | $ 54,000 |
| Martin County North Carolina | 20 | $ 1,586,000 | $ 79,000 | $ 73,000 |
| Botetourt County Virginia | 19 | $ 2,249,000 | $ 118,000 | $ 53,000 |
| Alleghany County North Carolina | 18 | $ 1,723,000 | $ 95,000 | $ 65,000 |
| Halifax County North Carolina | 18 | $ 911,000 | $ 50,000 | $ 50,000 |
| Nash County North Carolina | 18 | $ 1,331,000 | $ 73,000 | $ 75,000 |
| Augusta County Virginia | 18 | $ 2,451,000 | $ 136,000 | $ 71,000 |
| Carroll County Virginia | 17 | $ 893,000 | $ 52,000 | $ 42,000 |
| Vance County North Carolina | 16 | $ 1,508,000 | $ 94,000 | $ 62,000 |
| Yadkin County North Carolina | 16 | $ 1,131,000 | $ 70,000 | $ 53,000 |
| Lynchburg County Virginia | 16 | $ 2,122,000 | $ 132,000 | $ 44,000 |
| Chesterfield County Virginia | 15 | $ 2,141,000 | $ 142,000 | $ 56,000 |
| Pulaski County Virginia | 15 | $ 1,248,000 | $ 83,000 | $ 83,000 |
| Nottoway County Virginia | 14 | $ 805,000 | $ 57,000 | $ 53,000 |
| Staunton County Virginia | 14 | $ 1,130,000 | $ 80,000 | $ 73,000 |
| Charlotte County Virginia | 13 | $ 913,000 | $ 70,000 | $ 44,000 |
| Yancey County North Carolina | 12 | $ 1,320,000 | $ 110,000 | $ 43,000 |
| Davie County North Carolina | 11 | $ 1,627,000 | $ 147,000 | $ 85,000 |
| Harrisonburg County Virginia | 11 | $ 1,691,000 | $ 153,000 | $ 76,000 |
| Dare County North Carolina | 10 | $ 4,267,000 | $ 426,000 | $ 243,000 |
| Northampton County North Carolina | 10 | $ 723,000 | $ 72,000 | $ 56,000 |
| Charleston County South Carolina | 10 | $ 3,412,000 | $ 341,000 | $ 287,000 |
| Franklin County Virginia | 10 | $ 2,303,000 | $ 230,000 | $ 71,000 |
| Cleveland County North Carolina | 9 | $ 759,000 | $ 84,000 | $ 62,000 |
| Polk County North Carolina | 9 | $ 1,148,000 | $ 127,000 | $ 75,000 |
| Frederick County Virginia | 9 | $ 1,694,000 | $ 188,000 | $ 139,000 |
| Alamance County North Carolina | 8 | $ 956,000 | $ 119,000 | $ 78,000 |
| Perquimans County North Carolina | 8 | $ 879,000 | $ 109,000 | $ 42,000 |
| Robeson County North Carolina | 8 | $ 606,000 | $ 75,000 | $ 61,000 |
| Emporia County Virginia | 8 | $ 969,000 | $ 121,000 | $ 37,000 |
| Grayson County Virginia | 8 | $ 866,000 | $ 108,000 | $ 48,000 |
| Greensville County Virginia | 8 | $ 1,144,000 | $ 143,000 | $ 49,000 |
| Bedford City County Virginia | 7 | $ 912,000 | $ 130,000 | $ 90,000 |
| Campbell County Virginia | 7 | $ 1,019,000 | $ 145,000 | $ 53,000 |
| Richmond City County Virginia | 7 | $ 731,000 | $ 104,000 | $ 62,000 |
| Salem County Virginia | 7 | $ 1,533,000 | $ 219,000 | $ 55,000 |
| Warren County Virginia | 7 | $ 842,000 | $ 120,000 | $ 59,000 |
| Bertie County North Carolina | 6 | $ 619,000 | $ 103,000 | $ 54,000 |
| Caswell County North Carolina | 6 | $ 591,000 | $ 98,000 | $ 62,000 |
| Gaston County North Carolina | 6 | $ 498,000 | $ 83,000 | $ 37,000 |
| Jones County North Carolina | 6 | $ 353,000 | $ 58,000 | $ 41,000 |
| Georgetown County South Carolina | 6 | $ 3,781,000 | $ 630,000 | $ 327,000 |
| Halifax County Virginia | 6 | $ 516,000 | $ 86,000 | $ 48,000 |
| Lee County Florida | 5 | $ 1,540,000 | $ 308,000 | $ 174,000 |
| Granville County North Carolina | 5 | $ 715,000 | $ 143,000 | $ 87,000 |
| Rowan County North Carolina | 5 | $ 207,000 | $ 41,000 | $ 45,000 |
| York County South Carolina | 5 | $ 1,230,000 | $ 246,000 | $ 167,000 |
| Amherst County Virginia | 5 | $ 517,000 | $ 103,000 | $ 59,000 |
| Bath County Virginia | 5 | $ 457,000 | $ 91,000 | $ 66,000 |
| Galax County Virginia | 5 | $ 622,000 | $ 124,000 | $ 67,000 |
| Henrico County Virginia | 5 | $ 665,000 | $ 133,000 | $ 68,000 |
| Rabun County Georgia | 4 | $ 846,000 | $ 211,000 | $ 104,000 |
| Anson County North Carolina | 4 | $ 238,000 | $ 59,000 | $ 76,000 |
| Edgecombe County North Carolina | 4 | $ 1,282,000 | $ 320,000 | $ 137,000 |
| Gates County North Carolina | 4 | $ 471,000 | $ 117,000 | $ 64,000 |
| Floyd County Virginia | 4 | $ 315,000 | $ 78,000 | $ 86,000 |
| Nelson County Virginia | 4 | $ 377,000 | $ 94,000 | $ 80,000 |
| Randolph County West Virginia | 4 | $ 275,000 | $ 68,000 | $ 41,000 |
| Chowan County North Carolina | 3 | $ 598,000 | $ 199,000 | $ 154,000 |
| Hoke County North Carolina | 3 | $ 474,000 | $ 158,000 | $ 94,000 |
| Montgomery County North Carolina | 3 | $ 538,000 | $ 179,000 | $ 110,000 |
| Beaufort County South Carolina | 3 | $ 1,211,000 | $ 403,000 | $ 175,000 |
| Oconee County South Carolina | 3 | $ 439,000 | $ 146,000 | $ 142,000 |
| Covington County Virginia | 3 | $ 128,000 | $ 42,000 | $ 30,000 |
| Greene County Virginia | 3 | $ 504,000 | $ 168,000 | $ 80,000 |
| Hanover County Virginia | 3 | $ 413,000 | $ 137,000 | $ 89,000 |
| Henry County Virginia | 3 | $ 768,000 | $ 256,000 | $ 67,000 |
| Prince Edward County Virginia | 3 | $ 291,000 | $ 97,000 | $ 78,000 |
| Kanawha County West Virginia | 3 | $ 451,000 | $ 150,000 | $ 126,000 |
| Monroe County West Virginia | 3 | $ 404,000 | $ 134,000 | $ 79,000 |
| Nicholas County West Virginia | 3 | $ 106,000 | $ 35,000 | $ 77,000 |
| Collier County Florida | 2 | $ 1,218,000 | $ 609,000 | $ 551,000 |
| Towns County Georgia | 2 | $ 359,000 | $ 179,000 | $ 144,000 |
| Camden County North Carolina | 2 | $ 32,000 | $ 16,000 | $ 98,000 |
| Currituck County North Carolina | 2 | $ 460,000 | $ 230,000 | $ 117,000 |
| Person County North Carolina | 2 | $ 459,000 | $ 229,000 | $ 189,000 |
| Scotland County North Carolina | 2 | $ 249,000 | $ 124,000 | $ 55,000 |
| Colleton County South Carolina | 2 | $ 246,000 | $ 123,000 | $ 180,000 |
| Greenville County South Carolina | 2 | $ 449,000 | $ 224,000 | $ 103,000 |
| Greenwood County South Carolina | 2 | $ 355,000 | $ 177,000 | $ 88,000 |
| Lancaster County South Carolina | 2 | $ 569,000 | $ 284,000 | $ 155,000 |
| Craig County Virginia | 2 | $ 286,000 | $ 143,000 | $ 55,000 |
| Dinwiddie County Virginia | 2 | $ 138,000 | $ 69,000 | $ 157,000 |
| Fairfax County Virginia | 2 | $ 540,000 | $ 270,000 | $ 137,000 |
| Fluvanna County Virginia | 2 | $ 115,000 | $ 57,000 | $ 87,000 |
| Pendleton County West Virginia | 2 | $ 52,000 | $ 26,000 | $ 27,000 |
| Summers County West Virginia | 2 | $ 50,000 | $ 25,000 | $ 70,000 |
| Bay County Florida | 1 | $ 228,000 | $ 228,000 | $ 151,000 |
| Broward County Florida | 1 | $ 409,000 | $ 409,000 | $ 250,000 |
| Charlotte County Florida | 1 | $ 148,000 | $ 148,000 | $ 125,000 |
| Duval County Florida | 1 | $ 21,000 | $ 21,000 | $ 46,000 |
| Martin County Florida | 1 | $ 350,000 | $ 350,000 | $ 1,799,000 |
| Okeechobee County Florida | 1 | $ 112,000 | $ 112,000 | $ 40,000 |
| Palm Beach County Florida | 1 | $ 943,000 | $ 943,000 | $ 1,421,000 |
| Pinellas County Florida | 1 | $ 320,000 | $ 320,000 | $ 137,000 |
| Sarasota County Florida | 1 | $ 560,000 | $ 560,000 | $ 763,000 |
| St. Johns County Florida | 1 | $ 107,000 | $ 107,000 | $ 68,000 |
| Suwannee County Florida | 1 | $ 81,000 | $ 81,000 | $ 107,000 |
| Chatham County Georgia | 1 | $ 280,000 | $ 280,000 | $ 456,000 |
| Cherokee County Georgia | 1 | $ 319,000 | $ 319,000 | $ 96,000 |
| Cobb County Georgia | 1 | $ 600,000 | $ 600,000 | $ 92,000 |
| Crawford County Georgia | 1 | $ 70,000 | $ 70,000 | $ 19,000 |
| Gwinnett County Georgia | 1 | $ 92,000 | $ 92,000 | $ 34,000 |
| McDuffie County Georgia | 1 | $ 33,000 | $ 33,000 | $ 215,000 |
| Union County Georgia | 1 | $ 108,000 | $ 108,000 | $ 50,000 |
| Mitchell County North Carolina | 1 | $ 12,000 | $ 12,000 | $ 13,000 |
| Richmond County North Carolina | 1 | $ 248,000 | $ 248,000 | $ 115,000 |
| Aiken County South Carolina | 1 | $ 71,000 | $ 71,000 | $ 30,000 |
| Berkeley County South Carolina | 1 | $ 78,000 | $ 78,000 | $ 26,000 |
| Chester County South Carolina | 1 | $ 212,000 | $ 212,000 | $ 46,000 |
| Chesterfield County South Carolina | 1 | $ 126,000 | $ 126,000 | $ 58,000 |
| Kershaw County South Carolina | 1 | $ 112,000 | $ 112,000 | $ 75,000 |
| Laurens County South Carolina | 1 | $ 248,000 | $ 248,000 | $ 278,000 |
| Lexington County South Carolina | 1 | $ 139,000 | $ 139,000 | $ 45,000 |
| Pickens County South Carolina | 1 | $ 642,000 | $ 642,000 | $ 242,000 |
| Spartanburg County South Carolina | 1 | $ 270,000 | $ 270,000 | $ 80,000 |
| Carter County Tennessee | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Alexandria County Virginia | 1 | $ 544,000 | $ 544,000 | $ 185,000 |
| Bristol County Virginia | 1 | $ 72,000 | $ 72,000 | $ 536,000 |
| Buckingham County Virginia | 1 | $ 59,000 | $ 59,000 | $ 35,000 |
| Culpeper County Virginia | 1 | $ 34,000 | $ 34,000 | $ 53,000 |
| Fauquier County Virginia | 1 | $ 500,000 | $ 500,000 | $ 151,000 |
| Giles County Virginia | 1 | $ 270,000 | $ 270,000 | $ 73,000 |
| Hampton County Virginia | 1 | $ 151,000 | $ 151,000 | $ 120,000 |
| Hopewell County Virginia | 1 | $ 89,000 | $ 89,000 | $ 29,000 |
| Louisa County Virginia | 1 | $ 111,000 | $ 111,000 | $ 40,000 |
| Petersburg County Virginia | 1 | $ 98,000 | $ 98,000 | $ 54,000 |
| Portsmouth County Virginia | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Prince George County Virginia | 1 | $ 46,000 | $ 46,000 | $ 21,000 |
| Rockbridge County Virginia | 1 | $ 85,000 | $ 85,000 | $ 83,000 |
| Southampton County Virginia | 1 | $ 18,000 | $ 18,000 | $ 13,000 |
| Spotsylvania County Virginia | 1 | $ 130,000 | $ 130,000 | $ 86,000 |
| Sussex County Virginia | 1 | $ 80,000 | $ 80,000 | $ 38,000 |
| Tazewell County Virginia | 1 | $ 87,000 | $ 87,000 | $ 54,000 |
| Washington County Virginia | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Winchester County Virginia | 1 | $ 648,000 | $ 648,000 | $ 296,000 |
| Wythe County Virginia | 1 | $ 94,000 | $ 94,000 | $ 26,000 |
| Calhoun County West Virginia | 1 | $ 112,000 | $ 112,000 | $ 112,000 |
| Mercer County West Virginia | 1 | $ 36,000 | $ 36,000 | $ 42,000 |
| Raleigh County West Virginia | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for First-Citizens Bank & Trust Co in 2004
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 3,411 | $490,057,000 | $197,125 | $1,800,000 | $106,750 | $2,000,000 |
| Refinancing | 2,671 | $409,679,000 | $206,666 | $1,800,000 | $186,000 | $3,000,000 |
| Home Improvement | 335 | $19,467,000 | $69,500 | $570,000 | $79,666 | $2,256,000 |
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 | 5,057 | $739,014,000 | $169,000 | $1,800,000 | $138,142 | $3,000,000 |
| Black or African American | 558 | $50,932,000 | $80,500 | $1,000,000 | $108,333 | $1,000,000 |
| Not applicable | 276 | $51,049,000 | $386,000 | $1,800,000 | $500 | $632,000 |
| Not Provided | 191 | $39,993,000 | $204,400 | $1,230,000 | $121,000 | $1,316,000 |
| Hispanic | 169 | $13,952,000 | $62,333 | $732,000 | $47,000 | $638,000 |
| Asian | 81 | $14,876,000 | $334,800 | $990,000 | $389,600 | $1,181,000 |
| American Indian or Alaskan Native | 79 | $8,588,000 | $100,666 | $1,000,000 | $82,333 | $658,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $799,000 | $195,000 | $368,000 | $100,666 | $238,000 |
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) | 6,412 | $918,696,000 | $194,250 | $1,800,000 | $117,250 | $3,000,000 |
| FHA-insured (Federal Housing Administration) | 3 | $331,000 | $110,000 | $153,000 | $41,000 | $56,000 |
| VA-guaranteed (Veterans Administration) | 2 | $176,000 | $88,000 | $89,000 | $29,000 | $35,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 4,543 | $717,338,000 | $220,714 | $1,800,000 | $136,428 | $3,000,000 |
| Application Denied By Financial Institution | 1,120 | $87,698,000 | $121,333 | $1,800,000 | $69,000 | $1,000,000 |
| Application Approved But Not Accepted | 336 | $41,357,000 | $100,333 | $1,000,000 | $85,500 | $2,000,000 |
| Application Withdrawn By Applicant | 272 | $50,899,000 | $201,600 | $1,750,000 | $169,200 | $1,421,000 |
| File Closed For Incompleteness | 100 | $18,165,000 | $310,800 | $1,250,000 | $275,400 | $1,000,000 |
| Loan Purchased By The Institution | 23 | $2,053,000 | $77,000 | $199,000 | $33,000 | $69,000 |
| Preapproval Denied by Financial Institution | 23 | $1,693,000 | $73,000 | $146,000 | $35,000 | $251,000 |
| 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 2004 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.
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