First-Citizens Bank & Trust Co Mortgage Lending & HMDA Data, 2004
In 2004, First-Citizens Bank & Trust Co of Raleigh, NC reported 6,417 mortgage applications totaling $919.2 million, down 33% from 2003. The average application was for $143,244, and applicants reported an average income of $79,174. 71% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Raleigh-Cary, NC (532), Wilmington, NC (417) and Asheville, NC (391) (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 | 6,417 |
| Total Mortgage Loan Application Amount | $919,203,000 |
| Average Mortgage Loan Application Amount | $143,244 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $79,174 |
| Highest Applicant Income | $3,000,000 |
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records First-Citizens Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 337 | $ 69,051,000 | $ 204,899 | $ 105,000 |
| Cumberland, North Carolina | 228 | $ 32,732,000 | $ 143,561 | $ 116,000 |
| New Hanover, North Carolina | 228 | $ 54,594,000 | $ 239,447 | $ 125,000 |
| Carteret, North Carolina | 217 | $ 41,130,000 | $ 189,539 | $ 96,000 |
| Pitt, North Carolina | 214 | $ 32,597,000 | $ 152,322 | $ 98,000 |
| Mecklenburg, North Carolina | 193 | $ 35,008,000 | $ 181,388 | $ 71,000 |
| Buncombe, North Carolina | 191 | $ 40,371,000 | $ 211,366 | $ 89,000 |
| Guilford, North Carolina | 163 | $ 26,492,000 | $ 162,527 | $ 64,000 |
| Onslow, North Carolina | 144 | $ 17,306,000 | $ 120,180 | $ 84,000 |
| Forsyth, North Carolina | 141 | $ 23,085,000 | $ 163,723 | $ 86,000 |
| Henderson, North Carolina | 133 | $ 24,207,000 | $ 182,007 | $ 85,000 |
| Craven, North Carolina | 127 | $ 19,530,000 | $ 153,779 | $ 70,000 |
| Johnston, North Carolina | 122 | $ 13,068,000 | $ 107,114 | $ 52,000 |
| Brunswick, North Carolina | 112 | $ 19,312,000 | $ 172,428 | $ 83,000 |
| Caldwell, North Carolina | 104 | $ 9,678,000 | $ 93,057 | $ 47,000 |
| Lee, North Carolina | 102 | $ 8,378,000 | $ 82,137 | $ 60,000 |
| Burke, North Carolina | 98 | $ 10,368,000 | $ 105,795 | $ 48,000 |
| Sampson, North Carolina | 98 | $ 6,120,000 | $ 62,448 | $ 51,000 |
| Greenbrier, West Virginia | 92 | $ 8,641,000 | $ 93,923 | $ 66,000 |
| Union, North Carolina | 90 | $ 15,918,000 | $ 176,866 | $ 69,000 |
| Bladen, North Carolina | 89 | $ 6,350,000 | $ 71,348 | $ 50,000 |
| Pocahontas, West Virginia | 88 | $ 6,040,000 | $ 68,636 | $ 75,000 |
| Lenoir, North Carolina | 85 | $ 6,103,000 | $ 71,800 | $ 56,000 |
| Mecklenburg, Virginia | 80 | $ 7,632,000 | $ 95,400 | $ 60,000 |
| Pender, North Carolina | 77 | $ 11,635,000 | $ 151,103 | $ 60,000 |
| Catawba, North Carolina | 73 | $ 10,741,000 | $ 147,136 | $ 69,000 |
| Franklin, North Carolina | 73 | $ 7,894,000 | $ 108,136 | $ 58,000 |
| Wayne, North Carolina | 67 | $ 7,218,000 | $ 107,731 | $ 75,000 |
| Roanoke, Virginia | 66 | $ 11,976,000 | $ 181,454 | $ 73,000 |
| Roanoke City, Virginia | 62 | $ 6,223,000 | $ 100,370 | $ 64,000 |
| Harnett, North Carolina | 61 | $ 6,488,000 | $ 106,360 | $ 72,000 |
| Columbus, North Carolina | 60 | $ 3,931,000 | $ 65,516 | $ 61,000 |
| Jackson, North Carolina | 60 | $ 16,735,000 | $ 278,916 | $ 149,000 |
| Rutherford, North Carolina | 60 | $ 4,234,000 | $ 70,566 | $ 43,000 |
| Pittsylvania, Virginia | 59 | $ 7,163,000 | $ 121,406 | $ 47,000 |
| Macon, North Carolina | 57 | $ 11,625,000 | $ 203,947 | $ 115,000 |
| Watauga, North Carolina | 57 | $ 12,662,000 | $ 222,140 | $ 145,000 |
| Ashe, North Carolina | 55 | $ 7,334,000 | $ 133,345 | $ 60,000 |
| Transylvania, North Carolina | 55 | $ 9,855,000 | $ 179,181 | $ 123,000 |
| Pamlico, North Carolina | 53 | $ 6,065,000 | $ 114,433 | $ 107,000 |
| Rockingham, North Carolina | 53 | $ 4,997,000 | $ 94,283 | $ 64,000 |
| Swain, North Carolina | 53 | $ 4,867,000 | $ 91,830 | $ 77,000 |
| Durham, North Carolina | 51 | $ 8,853,000 | $ 173,588 | $ 66,000 |
| Danville, Virginia | 49 | $ 4,500,000 | $ 91,836 | $ 120,000 |
| Cherokee, North Carolina | 48 | $ 5,191,000 | $ 108,145 | $ 86,000 |
| Bedford, Virginia | 43 | $ 5,347,000 | $ 124,348 | $ 68,000 |
| Beaufort, North Carolina | 42 | $ 5,411,000 | $ 128,833 | $ 107,000 |
| Iredell, North Carolina | 41 | $ 4,785,000 | $ 116,707 | $ 63,000 |
| Surry, North Carolina | 41 | $ 3,921,000 | $ 95,634 | $ 62,000 |
| Duplin, North Carolina | 39 | $ 2,502,000 | $ 64,153 | $ 72,000 |
| Stokes, North Carolina | 39 | $ 3,127,000 | $ 80,179 | $ 46,000 |
| Madison, North Carolina | 36 | $ 2,256,000 | $ 62,666 | $ 47,000 |
| Wilkes, North Carolina | 36 | $ 2,926,000 | $ 81,277 | $ 49,000 |
| Brunswick, Virginia | 33 | $ 2,459,000 | $ 74,515 | $ 43,000 |
| Avery, North Carolina | 32 | $ 3,974,000 | $ 124,187 | $ 110,000 |
| Chatham, North Carolina | 32 | $ 5,142,000 | $ 160,687 | $ 53,000 |
| Clay, North Carolina | 31 | $ 3,484,000 | $ 112,387 | $ 66,000 |
| Haywood, North Carolina | 31 | $ 5,273,000 | $ 170,096 | $ 89,000 |
| Orange, North Carolina | 31 | $ 7,663,000 | $ 247,193 | $ 93,000 |
| Lincoln, North Carolina | 30 | $ 4,040,000 | $ 134,666 | $ 50,000 |
| Pasquotank, North Carolina | 30 | $ 4,341,000 | $ 144,700 | $ 101,000 |
| Montgomery, Virginia | 30 | $ 3,982,000 | $ 132,733 | $ 342,000 |
| Rockingham, Virginia | 30 | $ 4,130,000 | $ 137,666 | $ 62,000 |
| Graham, North Carolina | 29 | $ 2,130,000 | $ 73,448 | $ 49,000 |
| Warren, North Carolina | 27 | $ 2,805,000 | $ 103,888 | $ 75,000 |
| Albemarle, Virginia | 26 | $ 5,720,000 | $ 220,000 | $ 90,000 |
| Moore, North Carolina | 25 | $ 6,262,000 | $ 250,480 | $ 164,000 |
| Wilson, North Carolina | 25 | $ 2,967,000 | $ 118,680 | $ 61,000 |
| Alleghany, Virginia | 25 | $ 1,181,000 | $ 47,240 | $ 31,000 |
| Cabarrus, North Carolina | 24 | $ 2,665,000 | $ 111,041 | $ 60,000 |
| Stanly, North Carolina | 24 | $ 2,589,000 | $ 107,875 | $ 51,000 |
| McDowell, North Carolina | 23 | $ 1,876,000 | $ 81,565 | $ 77,000 |
| Horry, South Carolina | 23 | $ 4,120,000 | $ 179,130 | $ 138,000 |
| Lunenburg, Virginia | 23 | $ 2,460,000 | $ 106,956 | $ 52,000 |
| Alexander, North Carolina | 22 | $ 2,729,000 | $ 124,045 | $ 79,000 |
| Davidson, North Carolina | 22 | $ 4,025,000 | $ 182,954 | $ 112,000 |
| Greene, North Carolina | 22 | $ 1,540,000 | $ 70,000 | $ 62,000 |
| Randolph, North Carolina | 22 | $ 2,497,000 | $ 113,500 | $ 35,000 |
| Charlottesville, Virginia | 21 | $ 2,940,000 | $ 140,000 | $ 54,000 |
| Martin, North Carolina | 20 | $ 1,586,000 | $ 79,300 | $ 73,000 |
| Botetourt, Virginia | 19 | $ 2,249,000 | $ 118,368 | $ 53,000 |
| Alleghany, North Carolina | 18 | $ 1,723,000 | $ 95,722 | $ 65,000 |
| Halifax, North Carolina | 18 | $ 911,000 | $ 50,611 | $ 50,000 |
| Nash, North Carolina | 18 | $ 1,331,000 | $ 73,944 | $ 75,000 |
| Augusta, Virginia | 18 | $ 2,451,000 | $ 136,166 | $ 71,000 |
| Carroll, Virginia | 17 | $ 893,000 | $ 52,529 | $ 42,000 |
| Vance, North Carolina | 16 | $ 1,508,000 | $ 94,250 | $ 62,000 |
| Yadkin, North Carolina | 16 | $ 1,131,000 | $ 70,687 | $ 53,000 |
| Lynchburg, Virginia | 16 | $ 2,122,000 | $ 132,625 | $ 44,000 |
| Chesterfield, Virginia | 15 | $ 2,141,000 | $ 142,733 | $ 56,000 |
| Pulaski, Virginia | 15 | $ 1,248,000 | $ 83,200 | $ 83,000 |
| Nottoway, Virginia | 14 | $ 805,000 | $ 57,500 | $ 53,000 |
| Staunton, Virginia | 14 | $ 1,130,000 | $ 80,714 | $ 73,000 |
| Charlotte, Virginia | 13 | $ 913,000 | $ 70,230 | $ 44,000 |
| Yancey, North Carolina | 12 | $ 1,320,000 | $ 110,000 | $ 43,000 |
| Davie, North Carolina | 11 | $ 1,627,000 | $ 147,909 | $ 85,000 |
| Harrisonburg, Virginia | 11 | $ 1,691,000 | $ 153,727 | $ 76,000 |
| Dare, North Carolina | 10 | $ 4,267,000 | $ 426,700 | $ 243,000 |
| Northampton, North Carolina | 10 | $ 723,000 | $ 72,300 | $ 56,000 |
| Charleston, South Carolina | 10 | $ 3,412,000 | $ 341,200 | $ 287,000 |
| Franklin, Virginia | 10 | $ 2,303,000 | $ 230,300 | $ 71,000 |
| Cleveland, North Carolina | 9 | $ 759,000 | $ 84,333 | $ 62,000 |
| Polk, North Carolina | 9 | $ 1,148,000 | $ 127,555 | $ 75,000 |
| Frederick, Virginia | 9 | $ 1,694,000 | $ 188,222 | $ 139,000 |
| Alamance, North Carolina | 8 | $ 956,000 | $ 119,500 | $ 78,000 |
| Perquimans, North Carolina | 8 | $ 879,000 | $ 109,875 | $ 42,000 |
| Robeson, North Carolina | 8 | $ 606,000 | $ 75,750 | $ 61,000 |
| Emporia, Virginia | 8 | $ 969,000 | $ 121,125 | $ 37,000 |
| Grayson, Virginia | 8 | $ 866,000 | $ 108,250 | $ 48,000 |
| Greensville, Virginia | 8 | $ 1,144,000 | $ 143,000 | $ 49,000 |
| Bedford City, Virginia | 7 | $ 912,000 | $ 130,285 | $ 90,000 |
| Campbell, Virginia | 7 | $ 1,019,000 | $ 145,571 | $ 53,000 |
| Richmond City, Virginia | 7 | $ 731,000 | $ 104,428 | $ 62,000 |
| Salem, Virginia | 7 | $ 1,533,000 | $ 219,000 | $ 55,000 |
| Warren, Virginia | 7 | $ 842,000 | $ 120,285 | $ 59,000 |
| Bertie, North Carolina | 6 | $ 619,000 | $ 103,166 | $ 54,000 |
| Caswell, North Carolina | 6 | $ 591,000 | $ 98,500 | $ 62,000 |
| Gaston, North Carolina | 6 | $ 498,000 | $ 83,000 | $ 37,000 |
| Jones, North Carolina | 6 | $ 353,000 | $ 58,833 | $ 41,000 |
| Georgetown, South Carolina | 6 | $ 3,781,000 | $ 630,166 | $ 327,000 |
| Halifax, Virginia | 6 | $ 516,000 | $ 86,000 | $ 48,000 |
| Lee, Florida | 5 | $ 1,540,000 | $ 308,000 | $ 174,000 |
| Granville, North Carolina | 5 | $ 715,000 | $ 143,000 | $ 87,000 |
| Rowan, North Carolina | 5 | $ 207,000 | $ 41,400 | $ 45,000 |
| York, South Carolina | 5 | $ 1,230,000 | $ 246,000 | $ 167,000 |
| Amherst, Virginia | 5 | $ 517,000 | $ 103,400 | $ 59,000 |
| Bath, Virginia | 5 | $ 457,000 | $ 91,400 | $ 66,000 |
| Galax, Virginia | 5 | $ 622,000 | $ 124,400 | $ 67,000 |
| Henrico, Virginia | 5 | $ 665,000 | $ 133,000 | $ 68,000 |
| Rabun, Georgia | 4 | $ 846,000 | $ 211,500 | $ 104,000 |
| Anson, North Carolina | 4 | $ 238,000 | $ 59,500 | $ 76,000 |
| Edgecombe, North Carolina | 4 | $ 1,282,000 | $ 320,500 | $ 137,000 |
| Gates, North Carolina | 4 | $ 471,000 | $ 117,750 | $ 64,000 |
| Floyd, Virginia | 4 | $ 315,000 | $ 78,750 | $ 86,000 |
| Nelson, Virginia | 4 | $ 377,000 | $ 94,250 | $ 80,000 |
| Randolph, West Virginia | 4 | $ 275,000 | $ 68,750 | $ 41,000 |
| Chowan, North Carolina | 3 | $ 598,000 | $ 199,333 | $ 154,000 |
| Hoke, North Carolina | 3 | $ 474,000 | $ 158,000 | $ 94,000 |
| Montgomery, North Carolina | 3 | $ 538,000 | $ 179,333 | $ 110,000 |
| Beaufort, South Carolina | 3 | $ 1,211,000 | $ 403,666 | $ 175,000 |
| Oconee, South Carolina | 3 | $ 439,000 | $ 146,333 | $ 142,000 |
| Covington, Virginia | 3 | $ 128,000 | $ 42,666 | $ 30,000 |
| Greene, Virginia | 3 | $ 504,000 | $ 168,000 | $ 80,000 |
| Hanover, Virginia | 3 | $ 413,000 | $ 137,666 | $ 89,000 |
| Henry, Virginia | 3 | $ 768,000 | $ 256,000 | $ 67,000 |
| Prince Edward, Virginia | 3 | $ 291,000 | $ 97,000 | $ 78,000 |
| Kanawha, West Virginia | 3 | $ 451,000 | $ 150,333 | $ 126,000 |
| Monroe, West Virginia | 3 | $ 404,000 | $ 134,666 | $ 79,000 |
| Nicholas, West Virginia | 3 | $ 106,000 | $ 35,333 | $ 77,000 |
| Collier, Florida | 2 | $ 1,218,000 | $ 609,000 | $ 551,000 |
| Towns, Georgia | 2 | $ 359,000 | $ 179,500 | $ 144,000 |
| Camden, North Carolina | 2 | $ 32,000 | $ 16,000 | $ 98,000 |
| Currituck, North Carolina | 2 | $ 460,000 | $ 230,000 | $ 117,000 |
| Person, North Carolina | 2 | $ 459,000 | $ 229,500 | $ 189,000 |
| Scotland, North Carolina | 2 | $ 249,000 | $ 124,500 | $ 55,000 |
| Colleton, South Carolina | 2 | $ 246,000 | $ 123,000 | $ 180,000 |
| Greenville, South Carolina | 2 | $ 449,000 | $ 224,500 | $ 103,000 |
| Greenwood, South Carolina | 2 | $ 355,000 | $ 177,500 | $ 88,000 |
| Lancaster, South Carolina | 2 | $ 569,000 | $ 284,500 | $ 155,000 |
| Craig, Virginia | 2 | $ 286,000 | $ 143,000 | $ 55,000 |
| Dinwiddie, Virginia | 2 | $ 138,000 | $ 69,000 | $ 157,000 |
| Fairfax, Virginia | 2 | $ 540,000 | $ 270,000 | $ 137,000 |
| Fluvanna, Virginia | 2 | $ 115,000 | $ 57,500 | $ 87,000 |
| Pendleton, West Virginia | 2 | $ 52,000 | $ 26,000 | $ 27,000 |
| Summers, West Virginia | 2 | $ 50,000 | $ 25,000 | $ 70,000 |
| Bay, Florida | 1 | $ 228,000 | $ 228,000 | $ 151,000 |
| Broward, Florida | 1 | $ 409,000 | $ 409,000 | $ 250,000 |
| Charlotte, Florida | 1 | $ 148,000 | $ 148,000 | $ 125,000 |
| Duval, Florida | 1 | $ 21,000 | $ 21,000 | $ 46,000 |
| Martin, Florida | 1 | $ 350,000 | $ 350,000 | $ 1,799,000 |
| Okeechobee, Florida | 1 | $ 112,000 | $ 112,000 | $ 40,000 |
| Palm Beach, Florida | 1 | $ 943,000 | $ 943,000 | $ 1,421,000 |
| Pinellas, Florida | 1 | $ 320,000 | $ 320,000 | $ 137,000 |
| Sarasota, Florida | 1 | $ 560,000 | $ 560,000 | $ 763,000 |
| St. Johns, Florida | 1 | $ 107,000 | $ 107,000 | $ 68,000 |
| Suwannee, Florida | 1 | $ 81,000 | $ 81,000 | $ 107,000 |
| Chatham, Georgia | 1 | $ 280,000 | $ 280,000 | $ 456,000 |
| Cherokee, Georgia | 1 | $ 319,000 | $ 319,000 | $ 96,000 |
| Cobb, Georgia | 1 | $ 600,000 | $ 600,000 | $ 92,000 |
| Crawford, Georgia | 1 | $ 70,000 | $ 70,000 | $ 19,000 |
| Gwinnett, Georgia | 1 | $ 92,000 | $ 92,000 | $ 34,000 |
| McDuffie, Georgia | 1 | $ 33,000 | $ 33,000 | $ 215,000 |
| Union, Georgia | 1 | $ 108,000 | $ 108,000 | $ 50,000 |
| Mitchell, North Carolina | 1 | $ 12,000 | $ 12,000 | $ 13,000 |
| Richmond, North Carolina | 1 | $ 248,000 | $ 248,000 | $ 115,000 |
| Aiken, South Carolina | 1 | $ 71,000 | $ 71,000 | $ 30,000 |
| Berkeley, South Carolina | 1 | $ 78,000 | $ 78,000 | $ 26,000 |
| Chester, South Carolina | 1 | $ 212,000 | $ 212,000 | $ 46,000 |
| Chesterfield, South Carolina | 1 | $ 126,000 | $ 126,000 | $ 58,000 |
| Kershaw, South Carolina | 1 | $ 112,000 | $ 112,000 | $ 75,000 |
| Laurens, South Carolina | 1 | $ 248,000 | $ 248,000 | $ 278,000 |
| Lexington, South Carolina | 1 | $ 139,000 | $ 139,000 | $ 45,000 |
| Pickens, South Carolina | 1 | $ 642,000 | $ 642,000 | $ 242,000 |
| Spartanburg, South Carolina | 1 | $ 270,000 | $ 270,000 | $ 80,000 |
| Carter, Tennessee | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Alexandria, Virginia | 1 | $ 544,000 | $ 544,000 | $ 185,000 |
| Bristol, Virginia | 1 | $ 72,000 | $ 72,000 | $ 536,000 |
| Buckingham, Virginia | 1 | $ 59,000 | $ 59,000 | $ 35,000 |
| Culpeper, Virginia | 1 | $ 34,000 | $ 34,000 | $ 53,000 |
| Fauquier, Virginia | 1 | $ 500,000 | $ 500,000 | $ 151,000 |
| Giles, Virginia | 1 | $ 270,000 | $ 270,000 | $ 73,000 |
| Hampton, Virginia | 1 | $ 151,000 | $ 151,000 | $ 120,000 |
| Hopewell, Virginia | 1 | $ 89,000 | $ 89,000 | $ 29,000 |
| Louisa, Virginia | 1 | $ 111,000 | $ 111,000 | $ 40,000 |
| Petersburg, Virginia | 1 | $ 98,000 | $ 98,000 | $ 54,000 |
| Portsmouth, Virginia | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Prince George, Virginia | 1 | $ 46,000 | $ 46,000 | $ 21,000 |
| Rockbridge, Virginia | 1 | $ 85,000 | $ 85,000 | $ 83,000 |
| Southampton, Virginia | 1 | $ 18,000 | $ 18,000 | $ 13,000 |
| Spotsylvania, Virginia | 1 | $ 130,000 | $ 130,000 | $ 86,000 |
| Sussex, Virginia | 1 | $ 80,000 | $ 80,000 | $ 38,000 |
| Tazewell, Virginia | 1 | $ 87,000 | $ 87,000 | $ 54,000 |
| Washington, Virginia | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Winchester, Virginia | 1 | $ 648,000 | $ 648,000 | $ 296,000 |
| Wythe, Virginia | 1 | $ 94,000 | $ 94,000 | $ 26,000 |
| Calhoun, West Virginia | 1 | $ 112,000 | $ 112,000 | $ 112,000 |
| Mercer, West Virginia | 1 | $ 36,000 | $ 36,000 | $ 42,000 |
| Raleigh, 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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