First-Citizens Bank & Trust Co Mortgage Lending & HMDA Data, 2005
In 2005, First-Citizens Bank & Trust Co of Raleigh, NC reported 5,515 mortgage applications totaling $882.2 million, down 14% from 2004. The average application was for $159,961, and applicants reported an average income of $93,588. 73% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Raleigh-Cary, NC (491), Wilmington, NC (393) and Asheville, NC (300) (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 | 5,515 |
| Total Mortgage Loan Application Amount | $882,185,000 |
| Average Mortgage Loan Application Amount | $159,961 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $93,588 |
| Highest Applicant Income | $6,332,000 |
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records First-Citizens Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 314 | $ 70,453,000 | $ 224,372 | $ 114,000 |
| New Hanover, North Carolina | 228 | $ 58,565,000 | $ 256,864 | $ 114,000 |
| Carteret, North Carolina | 197 | $ 37,165,000 | $ 188,654 | $ 102,000 |
| Cumberland, North Carolina | 191 | $ 29,002,000 | $ 151,842 | $ 100,000 |
| Pitt, North Carolina | 183 | $ 27,967,000 | $ 152,825 | $ 92,000 |
| Guilford, North Carolina | 152 | $ 24,363,000 | $ 160,282 | $ 88,000 |
| Mecklenburg, North Carolina | 152 | $ 28,404,000 | $ 186,868 | $ 77,000 |
| Craven, North Carolina | 137 | $ 24,115,000 | $ 176,021 | $ 79,000 |
| Buncombe, North Carolina | 135 | $ 35,402,000 | $ 262,237 | $ 80,000 |
| Johnston, North Carolina | 116 | $ 12,204,000 | $ 105,206 | $ 55,000 |
| Brunswick, North Carolina | 113 | $ 27,245,000 | $ 241,106 | $ 128,000 |
| Forsyth, North Carolina | 106 | $ 17,914,000 | $ 169,000 | $ 71,000 |
| Caldwell, North Carolina | 95 | $ 11,258,000 | $ 118,505 | $ 81,000 |
| Henderson, North Carolina | 93 | $ 15,098,000 | $ 162,344 | $ 78,000 |
| Onslow, North Carolina | 93 | $ 17,917,000 | $ 192,655 | $ 162,000 |
| Sampson, North Carolina | 79 | $ 5,626,000 | $ 71,215 | $ 68,000 |
| Burke, North Carolina | 75 | $ 11,178,000 | $ 149,040 | $ 56,000 |
| Union, North Carolina | 73 | $ 13,367,000 | $ 183,109 | $ 74,000 |
| Watauga, North Carolina | 73 | $ 20,006,000 | $ 274,054 | $ 307,000 |
| Augusta, Virginia | 73 | $ 9,114,000 | $ 124,849 | $ 68,000 |
| Mecklenburg, Virginia | 71 | $ 8,303,000 | $ 116,943 | $ 71,000 |
| Pittsylvania, Virginia | 69 | $ 7,963,000 | $ 115,405 | $ 57,000 |
| Catawba, North Carolina | 66 | $ 9,716,000 | $ 147,212 | $ 64,000 |
| Lenoir, North Carolina | 63 | $ 3,858,000 | $ 61,238 | $ 63,000 |
| Franklin, North Carolina | 61 | $ 6,219,000 | $ 101,950 | $ 66,000 |
| Jackson, North Carolina | 61 | $ 13,398,000 | $ 219,639 | $ 116,000 |
| Lee, North Carolina | 61 | $ 6,298,000 | $ 103,245 | $ 63,000 |
| Roanoke City, Virginia | 58 | $ 6,786,000 | $ 117,000 | $ 91,000 |
| Greenbrier, West Virginia | 56 | $ 5,536,000 | $ 98,857 | $ 59,000 |
| Pamlico, North Carolina | 54 | $ 8,090,000 | $ 149,814 | $ 68,000 |
| Bladen, North Carolina | 52 | $ 2,937,000 | $ 56,480 | $ 53,000 |
| Pender, North Carolina | 52 | $ 9,138,000 | $ 175,730 | $ 76,000 |
| Roanoke, Virginia | 52 | $ 7,690,000 | $ 147,884 | $ 64,000 |
| Harnett, North Carolina | 51 | $ 5,589,000 | $ 109,588 | $ 50,000 |
| Rutherford, North Carolina | 50 | $ 4,243,000 | $ 84,860 | $ 52,000 |
| Danville, Virginia | 50 | $ 4,825,000 | $ 96,500 | $ 47,000 |
| Wayne, North Carolina | 48 | $ 5,479,000 | $ 114,145 | $ 84,000 |
| Swain, North Carolina | 46 | $ 4,600,000 | $ 100,000 | $ 112,000 |
| Transylvania, North Carolina | 46 | $ 9,338,000 | $ 203,000 | $ 77,000 |
| Rockingham, North Carolina | 44 | $ 5,417,000 | $ 123,113 | $ 87,000 |
| Pocahontas, West Virginia | 44 | $ 4,330,000 | $ 98,409 | $ 61,000 |
| Haywood, North Carolina | 41 | $ 7,331,000 | $ 178,804 | $ 121,000 |
| Cherokee, North Carolina | 40 | $ 5,051,000 | $ 126,275 | $ 115,000 |
| Columbus, North Carolina | 39 | $ 2,871,000 | $ 73,615 | $ 55,000 |
| Ashe, North Carolina | 37 | $ 5,313,000 | $ 143,594 | $ 66,000 |
| Durham, North Carolina | 37 | $ 6,468,000 | $ 174,810 | $ 117,000 |
| Lincoln, North Carolina | 36 | $ 5,160,000 | $ 143,333 | $ 59,000 |
| Stokes, North Carolina | 36 | $ 2,925,000 | $ 81,250 | $ 58,000 |
| Iredell, North Carolina | 35 | $ 4,631,000 | $ 132,314 | $ 39,000 |
| Moore, North Carolina | 34 | $ 7,895,000 | $ 232,205 | $ 169,000 |
| Brunswick, Virginia | 34 | $ 2,649,000 | $ 77,911 | $ 66,000 |
| Avery, North Carolina | 31 | $ 3,483,000 | $ 112,354 | $ 49,000 |
| Chatham, North Carolina | 31 | $ 5,692,000 | $ 183,612 | $ 73,000 |
| Davidson, North Carolina | 31 | $ 6,321,000 | $ 203,903 | $ 77,000 |
| Madison, North Carolina | 31 | $ 2,259,000 | $ 72,870 | $ 45,000 |
| Macon, North Carolina | 30 | $ 8,070,000 | $ 269,000 | $ 177,000 |
| Horry, South Carolina | 29 | $ 7,457,000 | $ 257,137 | $ 157,000 |
| Surry, North Carolina | 28 | $ 3,396,000 | $ 121,285 | $ 97,000 |
| Montgomery, Virginia | 27 | $ 2,791,000 | $ 103,370 | $ 208,000 |
| Beaufort, North Carolina | 26 | $ 3,291,000 | $ 126,576 | $ 117,000 |
| Franklin, Virginia | 26 | $ 6,356,000 | $ 244,461 | $ 91,000 |
| Staunton, Virginia | 26 | $ 3,195,000 | $ 122,884 | $ 43,000 |
| Halifax, North Carolina | 25 | $ 3,236,000 | $ 129,440 | $ 83,000 |
| Wilkes, North Carolina | 25 | $ 2,508,000 | $ 100,320 | $ 103,000 |
| Wilson, North Carolina | 24 | $ 3,337,000 | $ 139,041 | $ 108,000 |
| Albemarle, Virginia | 24 | $ 6,706,000 | $ 279,416 | $ 98,000 |
| Duplin, North Carolina | 23 | $ 2,971,000 | $ 129,173 | $ 69,000 |
| Rockingham, Virginia | 23 | $ 4,214,000 | $ 183,217 | $ 90,000 |
| Graham, North Carolina | 22 | $ 1,913,000 | $ 86,954 | $ 78,000 |
| Pasquotank, North Carolina | 22 | $ 1,748,000 | $ 79,454 | $ 96,000 |
| Alleghany, North Carolina | 21 | $ 1,943,000 | $ 92,523 | $ 74,000 |
| Bedford, Virginia | 21 | $ 2,794,000 | $ 133,047 | $ 85,000 |
| Clay, North Carolina | 20 | $ 2,312,000 | $ 115,600 | $ 70,000 |
| Warren, North Carolina | 20 | $ 1,609,000 | $ 80,450 | $ 95,000 |
| Alleghany, Virginia | 20 | $ 1,052,000 | $ 52,600 | $ 77,000 |
| Botetourt, Virginia | 20 | $ 2,975,000 | $ 148,750 | $ 63,000 |
| Randolph, North Carolina | 18 | $ 2,006,000 | $ 111,444 | $ 59,000 |
| Stanly, North Carolina | 18 | $ 1,186,000 | $ 65,888 | $ 139,000 |
| McDowell, North Carolina | 17 | $ 1,651,000 | $ 97,117 | $ 51,000 |
| Vance, North Carolina | 17 | $ 1,518,000 | $ 89,294 | $ 74,000 |
| Orange, North Carolina | 16 | $ 4,485,000 | $ 280,312 | $ 122,000 |
| Cabarrus, North Carolina | 15 | $ 2,153,000 | $ 143,533 | $ 99,000 |
| Carroll, Virginia | 14 | $ 982,000 | $ 70,142 | $ 43,000 |
| Greene, North Carolina | 13 | $ 1,013,000 | $ 77,923 | $ 70,000 |
| Alexander, North Carolina | 12 | $ 1,100,000 | $ 91,666 | $ 53,000 |
| Harrisonburg, Virginia | 12 | $ 1,411,000 | $ 117,583 | $ 75,000 |
| Jones, North Carolina | 11 | $ 751,000 | $ 68,272 | $ 78,000 |
| Robeson, North Carolina | 11 | $ 834,000 | $ 75,818 | $ 73,000 |
| Yadkin, North Carolina | 11 | $ 744,000 | $ 67,636 | $ 27,000 |
| Charleston, South Carolina | 11 | $ 3,452,000 | $ 313,818 | $ 374,000 |
| York, South Carolina | 11 | $ 2,292,000 | $ 208,363 | $ 32,000 |
| Frederick, Virginia | 11 | $ 1,687,000 | $ 153,363 | $ 64,000 |
| Richmond City, Virginia | 11 | $ 3,424,000 | $ 311,272 | $ 54,000 |
| Polk, North Carolina | 10 | $ 1,919,000 | $ 191,900 | $ 83,000 |
| Lynchburg, Virginia | 10 | $ 721,000 | $ 72,100 | $ 64,000 |
| Gaston, North Carolina | 9 | $ 1,635,000 | $ 181,666 | $ 105,000 |
| Northampton, North Carolina | 9 | $ 369,000 | $ 41,000 | $ 139,000 |
| Charlotte, Virginia | 9 | $ 822,000 | $ 91,333 | $ 41,000 |
| Charlottesville, Virginia | 9 | $ 1,153,000 | $ 128,111 | $ 113,000 |
| Chesterfield, Virginia | 9 | $ 1,412,000 | $ 156,888 | $ 98,000 |
| Lunenburg, Virginia | 9 | $ 677,000 | $ 75,222 | $ 50,000 |
| Nottoway, Virginia | 9 | $ 1,184,000 | $ 131,555 | $ 82,000 |
| Winchester, Virginia | 9 | $ 1,871,000 | $ 207,888 | $ 67,000 |
| Gates, North Carolina | 8 | $ 600,000 | $ 75,000 | $ 60,000 |
| Nash, North Carolina | 8 | $ 1,038,000 | $ 129,750 | $ 79,000 |
| Perquimans, North Carolina | 8 | $ 818,000 | $ 102,250 | $ 85,000 |
| Campbell, Virginia | 8 | $ 1,014,000 | $ 126,750 | $ 40,000 |
| Salem, Virginia | 8 | $ 1,240,000 | $ 155,000 | $ 91,000 |
| Spotsylvania, Virginia | 8 | $ 1,848,000 | $ 231,000 | $ 108,000 |
| Yancey, North Carolina | 7 | $ 1,441,000 | $ 205,857 | $ 60,000 |
| Greensville, Virginia | 7 | $ 507,000 | $ 72,428 | $ 51,000 |
| Pulaski, Virginia | 7 | $ 701,000 | $ 100,142 | $ 70,000 |
| Fluvanna, Virginia | 6 | $ 785,000 | $ 130,833 | $ 75,000 |
| Waynesboro, Virginia | 6 | $ 477,000 | $ 79,500 | $ 41,000 |
| Chowan, North Carolina | 5 | $ 1,010,000 | $ 202,000 | $ 62,000 |
| Cleveland, North Carolina | 5 | $ 296,000 | $ 59,200 | $ 46,000 |
| Martin, North Carolina | 5 | $ 494,000 | $ 98,800 | $ 46,000 |
| Rowan, North Carolina | 5 | $ 1,623,000 | $ 324,600 | $ 189,000 |
| Spartanburg, South Carolina | 5 | $ 617,000 | $ 123,400 | $ 58,000 |
| Warren, Virginia | 5 | $ 685,000 | $ 137,000 | $ 24,000 |
| Monroe, West Virginia | 5 | $ 724,000 | $ 144,800 | $ 82,000 |
| Alamance, North Carolina | 4 | $ 462,000 | $ 115,500 | $ 85,000 |
| Granville, North Carolina | 4 | $ 827,000 | $ 206,750 | $ 153,000 |
| Hoke, North Carolina | 4 | $ 775,000 | $ 193,750 | $ 113,000 |
| Person, North Carolina | 4 | $ 1,204,000 | $ 301,000 | $ 238,000 |
| Beaufort, South Carolina | 4 | $ 2,023,000 | $ 505,750 | $ 387,000 |
| Covington, Virginia | 4 | $ 275,000 | $ 68,750 | $ 47,000 |
| Halifax, Virginia | 4 | $ 681,000 | $ 170,250 | $ 73,000 |
| Henrico, Virginia | 4 | $ 580,000 | $ 145,000 | $ 49,000 |
| Nelson, Virginia | 4 | $ 1,312,000 | $ 328,000 | $ 123,000 |
| Flagler, Florida | 3 | $ 1,773,000 | $ 591,000 | $ 770,000 |
| Towns, Georgia | 3 | $ 507,000 | $ 169,000 | $ 113,000 |
| Anson, North Carolina | 3 | $ 335,000 | $ 111,666 | $ 75,000 |
| Currituck, North Carolina | 3 | $ 326,000 | $ 108,666 | $ 44,000 |
| Dare, North Carolina | 3 | $ 1,333,000 | $ 444,333 | $ 199,000 |
| Davie, North Carolina | 3 | $ 379,000 | $ 126,333 | $ 104,000 |
| Montgomery, North Carolina | 3 | $ 621,000 | $ 207,000 | $ 297,000 |
| Greenville, South Carolina | 3 | $ 616,000 | $ 205,333 | $ 84,000 |
| Bedford City, Virginia | 3 | $ 440,000 | $ 146,666 | $ 28,000 |
| Galax, Virginia | 3 | $ 161,000 | $ 53,666 | $ 25,000 |
| Grayson, Virginia | 3 | $ 134,000 | $ 44,666 | $ 33,000 |
| Greene, Virginia | 3 | $ 445,000 | $ 148,333 | $ 112,000 |
| Southampton, Virginia | 3 | $ 584,000 | $ 194,666 | $ 75,000 |
| Forsyth, Georgia | 2 | $ 290,000 | $ 145,000 | $ 35,000 |
| Gwinnett, Georgia | 2 | $ 260,000 | $ 130,000 | $ 48,000 |
| Rabun, Georgia | 2 | $ 434,000 | $ 217,000 | $ 117,000 |
| Camden, North Carolina | 2 | $ 155,000 | $ 77,500 | $ 44,000 |
| Caswell, North Carolina | 2 | $ 311,000 | $ 155,500 | $ 51,000 |
| Edgecombe, North Carolina | 2 | $ 307,000 | $ 153,500 | $ 103,000 |
| Hyde, North Carolina | 2 | $ 561,000 | $ 280,500 | $ 2,964,000 |
| Colleton, South Carolina | 2 | $ 1,000,000 | $ 500,000 | $ 376,000 |
| Dorchester, South Carolina | 2 | $ 298,000 | $ 149,000 | $ 78,000 |
| Georgetown, South Carolina | 2 | $ 318,000 | $ 159,000 | $ 131,000 |
| Greenwood, South Carolina | 2 | $ 227,000 | $ 113,500 | $ 34,000 |
| Lancaster, South Carolina | 2 | $ 147,000 | $ 73,500 | $ 49,000 |
| Oconee, South Carolina | 2 | $ 835,000 | $ 417,500 | $ 330,000 |
| Pickens, South Carolina | 2 | $ 1,248,000 | $ 624,000 | $ 304,000 |
| Richland, South Carolina | 2 | $ 405,000 | $ 202,500 | $ 158,000 |
| Bristol, Virginia | 2 | $ 104,000 | $ 52,000 | $ 57,000 |
| Emporia, Virginia | 2 | $ 146,000 | $ 73,000 | $ 48,000 |
| Fredericksburg, Virginia | 2 | $ 966,000 | $ 483,000 | $ 506,000 |
| Hanover, Virginia | 2 | $ 354,000 | $ 177,000 | $ 232,000 |
| Page, Virginia | 2 | $ 235,000 | $ 117,500 | $ 59,000 |
| Prince Edward, Virginia | 2 | $ 174,000 | $ 87,000 | $ 42,000 |
| Virginia Beach, Virginia | 2 | $ 160,000 | $ 80,000 | $ 54,000 |
| Nicholas, West Virginia | 2 | $ 183,000 | $ 91,500 | $ 33,000 |
| Putnam, West Virginia | 2 | $ 261,000 | $ 130,500 | $ 105,000 |
| Randolph, West Virginia | 2 | $ 99,000 | $ 49,500 | $ 50,000 |
| Collier, Florida | 1 | $ 1,428,000 | $ 1,428,000 | $ 304,000 |
| Duval, Florida | 1 | $ 645,000 | $ 645,000 | $ 443,000 |
| Lake, Florida | 1 | $ 76,000 | $ 76,000 | $ 29,000 |
| Leon, Florida | 1 | $ 104,000 | $ 104,000 | $ 147,000 |
| Orange, Florida | 1 | $ 164,000 | $ 164,000 | $ 350,000 |
| Palm Beach, Florida | 1 | $ 280,000 | $ 280,000 | $ 400,000 |
| Pinellas, Florida | 1 | $ 50,000 | $ 50,000 | $ 58,000 |
| Polk, Florida | 1 | $ 274,000 | $ 274,000 | $ 244,000 |
| Sarasota, Florida | 1 | $ 1,380,000 | $ 1,380,000 | $ 1,249,000 |
| Cobb, Georgia | 1 | $ 419,000 | $ 419,000 | $ 186,000 |
| DeKalb, Georgia | 1 | $ 301,000 | $ 301,000 | $ 95,000 |
| Anne Arundel, Maryland | 1 | $ 550,000 | $ 550,000 | $ 320,000 |
| Sandoval, New Mexico | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Hertford, North Carolina | 1 | $ 30,000 | $ 30,000 | $ 119,000 |
| Mitchell, North Carolina | 1 | $ 80,000 | $ 80,000 | $ 48,000 |
| Richmond, North Carolina | 1 | $ 97,000 | $ 97,000 | $ 279,000 |
| Tyrrell, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 90,000 |
| Berkeley, South Carolina | 1 | $ 99,000 | $ 99,000 | $ 71,000 |
| Clarendon, South Carolina | 1 | $ 355,000 | $ 355,000 | $ 455,000 |
| Lexington, South Carolina | 1 | $ 94,000 | $ 94,000 | $ 24,000 |
| Newberry, South Carolina | 1 | $ 235,000 | $ 235,000 | $ 248,000 |
| Carter, Tennessee | 1 | $ 70,000 | $ 70,000 | $ 24,000 |
| Jefferson, Tennessee | 1 | $ 8,000 | $ 8,000 | $ 58,000 |
| Washington, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Burnet, Texas | 1 | $ 420,000 | $ 420,000 | $ 503,000 |
| Amherst, Virginia | 1 | $ 24,000 | $ 24,000 | $ 25,000 |
| Bath, Virginia | 1 | $ 60,000 | $ 60,000 | $ 51,000 |
| Craig, Virginia | 1 | $ 126,000 | $ 126,000 | $ 49,000 |
| Giles, Virginia | 1 | $ 31,000 | $ 31,000 | $ 22,000 |
| Gloucester, Virginia | 1 | $ 202,000 | $ 202,000 | $ 77,000 |
| Goochland, Virginia | 1 | $ 152,000 | $ 152,000 | $ 53,000 |
| Loudoun, Virginia | 1 | $ 30,000 | $ 30,000 | $ 74,000 |
| Louisa, Virginia | 1 | $ 194,000 | $ 194,000 | $ 85,000 |
| Martinsville, Virginia | 1 | $ 82,000 | $ 82,000 | $ 19,000 |
| Middlesex, Virginia | 1 | $ 610,000 | $ 610,000 | $ 308,000 |
| Newport News, Virginia | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Northumberland, Virginia | 1 | $ 20,000 | $ 20,000 | $ 37,000 |
| Prince George, Virginia | 1 | $ 100,000 | $ 100,000 | $ 76,000 |
| Prince William, Virginia | 1 | $ 123,000 | $ 123,000 | $ 24,000 |
| Rappahannock, Virginia | 1 | $ 132,000 | $ 132,000 | $ 25,000 |
| Rockbridge, Virginia | 1 | $ 450,000 | $ 450,000 | $ 109,000 |
| Shenandoah, Virginia | 1 | $ 46,000 | $ 46,000 | $ 105,000 |
| Sussex, Virginia | 1 | $ 19,000 | $ 19,000 | $ 31,000 |
| Washington, Virginia | 1 | $ 92,000 | $ 92,000 | $ 37,000 |
| Wythe, Virginia | 1 | $ 33,000 | $ 33,000 | $ 47,000 |
| Hardy, West Virginia | 1 | $ 286,000 | $ 286,000 | $ 122,000 |
| Jefferson, West Virginia | 1 | $ 359,000 | $ 359,000 | $ 538,000 |
| Kanawha, West Virginia | 1 | $ 142,000 | $ 142,000 | $ 65,000 |
| Lewis, West Virginia | 1 | $ 235,000 | $ 235,000 | $ 104,000 |
| Monongalia, West Virginia | 1 | $ 126,000 | $ 126,000 | $ 137,000 |
| Tyler, West Virginia | 1 | $ 52,000 | $ 52,000 | $ 41,000 |
Mortgage Loan Application Detail Totals for First-Citizens Bank & Trust Co in 2005
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 | 3,049 | $510,150,000 | $225,111 | $2,000,000 | $183,555 | $6,332,000 |
| Refinancing | 2,086 | $338,376,000 | $200,555 | $1,810,000 | $93,555 | $1,763,000 |
| Home Improvement | 380 | $33,659,000 | $83,500 | $728,000 | $64,000 | $725,000 |
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 | 4,323 | $701,303,000 | $242,545 | $2,000,000 | $173,272 | $6,332,000 |
| Black or African American | 411 | $41,275,000 | $135,200 | $728,000 | $55,400 | $577,000 |
| Not Provided | 271 | $59,110,000 | $293,000 | $1,676,000 | $173,333 | $1,168,000 |
| Not applicable | 241 | $43,520,000 | $224,666 | $1,800,000 | $0 | $0 |
| Hispanic | 129 | $14,786,000 | $142,500 | $1,700,000 | $97,000 | $1,700,000 |
| Asian | 69 | $15,501,000 | $198,750 | $750,000 | $150,250 | $630,000 |
| American Indian or Alaskan Native | 61 | $5,422,000 | $89,333 | $650,000 | $36,000 | $418,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $1,268,000 | $126,500 | $335,000 | $107,000 | $250,000 |
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) | 5,503 | $880,773,000 | $244,909 | $2,000,000 | $171,272 | $6,332,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,131,000 | $112,500 | $170,000 | $38,000 | $47,000 |
| VA-guaranteed (Veterans Administration) | 2 | $281,000 | $140,500 | $153,000 | $54,500 | $61,000 |
| 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 | 4,038 | $692,018,000 | $225,000 | $1,810,000 | $195,125 | $6,332,000 |
| Application Denied By Financial Institution | 815 | $79,869,000 | $99,857 | $1,700,000 | $45,142 | $1,700,000 |
| Application Approved But Not Accepted | 250 | $38,010,000 | $253,571 | $2,000,000 | $165,857 | $890,000 |
| Application Withdrawn By Applicant | 236 | $44,642,000 | $198,857 | $950,000 | $172,714 | $1,500,000 |
| Preapproval Denied by Financial Institution | 66 | $8,661,000 | $131,000 | $680,000 | $58,000 | $343,000 |
| Loan Purchased By The Institution | 60 | $8,228,000 | $137,500 | $270,000 | $42,500 | $113,000 |
| File Closed For Incompleteness | 50 | $10,757,000 | $489,750 | $1,428,000 | $182,500 | $616,000 |
| 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 2005 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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