First-Citizens Bank & Trust Co
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
First-Citizens Bank & Trust Co 2005 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 | 5,515 |
| Total Mortgage Loan Application Amount | $882,185,000 |
| Average Mortgage Loan Application Amount | $189,318 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $125,000 |
| Highest Applicant Income | $6,332,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 314 | $ 70,453,000 | $ 224,000 | $ 114,000 |
| New Hanover County North Carolina | 228 | $ 58,565,000 | $ 256,000 | $ 114,000 |
| Carteret County North Carolina | 197 | $ 37,165,000 | $ 188,000 | $ 102,000 |
| Cumberland County North Carolina | 191 | $ 29,002,000 | $ 151,000 | $ 100,000 |
| Pitt County North Carolina | 183 | $ 27,967,000 | $ 152,000 | $ 92,000 |
| Guilford County North Carolina | 152 | $ 24,363,000 | $ 160,000 | $ 88,000 |
| Mecklenburg County North Carolina | 152 | $ 28,404,000 | $ 186,000 | $ 77,000 |
| Craven County North Carolina | 137 | $ 24,115,000 | $ 176,000 | $ 79,000 |
| Buncombe County North Carolina | 135 | $ 35,402,000 | $ 262,000 | $ 80,000 |
| Johnston County North Carolina | 116 | $ 12,204,000 | $ 105,000 | $ 55,000 |
| Brunswick County North Carolina | 113 | $ 27,245,000 | $ 241,000 | $ 128,000 |
| Forsyth County North Carolina | 106 | $ 17,914,000 | $ 169,000 | $ 71,000 |
| Caldwell County North Carolina | 95 | $ 11,258,000 | $ 118,000 | $ 81,000 |
| Henderson County North Carolina | 93 | $ 15,098,000 | $ 162,000 | $ 78,000 |
| Onslow County North Carolina | 93 | $ 17,917,000 | $ 192,000 | $ 162,000 |
| Sampson County North Carolina | 79 | $ 5,626,000 | $ 71,000 | $ 68,000 |
| Burke County North Carolina | 75 | $ 11,178,000 | $ 149,000 | $ 56,000 |
| Union County North Carolina | 73 | $ 13,367,000 | $ 183,000 | $ 74,000 |
| Watauga County North Carolina | 73 | $ 20,006,000 | $ 274,000 | $ 307,000 |
| Augusta County Virginia | 73 | $ 9,114,000 | $ 124,000 | $ 68,000 |
| Mecklenburg County Virginia | 71 | $ 8,303,000 | $ 116,000 | $ 71,000 |
| Pittsylvania County Virginia | 69 | $ 7,963,000 | $ 115,000 | $ 57,000 |
| Catawba County North Carolina | 66 | $ 9,716,000 | $ 147,000 | $ 64,000 |
| Lenoir County North Carolina | 63 | $ 3,858,000 | $ 61,000 | $ 63,000 |
| Franklin County North Carolina | 61 | $ 6,219,000 | $ 101,000 | $ 66,000 |
| Jackson County North Carolina | 61 | $ 13,398,000 | $ 219,000 | $ 116,000 |
| Lee County North Carolina | 61 | $ 6,298,000 | $ 103,000 | $ 63,000 |
| Roanoke City County Virginia | 58 | $ 6,786,000 | $ 117,000 | $ 91,000 |
| Greenbrier County West Virginia | 56 | $ 5,536,000 | $ 98,000 | $ 59,000 |
| Pamlico County North Carolina | 54 | $ 8,090,000 | $ 149,000 | $ 68,000 |
| Bladen County North Carolina | 52 | $ 2,937,000 | $ 56,000 | $ 53,000 |
| Pender County North Carolina | 52 | $ 9,138,000 | $ 175,000 | $ 76,000 |
| Roanoke County Virginia | 52 | $ 7,690,000 | $ 147,000 | $ 64,000 |
| Harnett County North Carolina | 51 | $ 5,589,000 | $ 109,000 | $ 50,000 |
| Rutherford County North Carolina | 50 | $ 4,243,000 | $ 84,000 | $ 52,000 |
| Danville County Virginia | 50 | $ 4,825,000 | $ 96,000 | $ 47,000 |
| Wayne County North Carolina | 48 | $ 5,479,000 | $ 114,000 | $ 84,000 |
| Swain County North Carolina | 46 | $ 4,600,000 | $ 100,000 | $ 112,000 |
| Transylvania County North Carolina | 46 | $ 9,338,000 | $ 203,000 | $ 77,000 |
| Rockingham County North Carolina | 44 | $ 5,417,000 | $ 123,000 | $ 87,000 |
| Pocahontas County West Virginia | 44 | $ 4,330,000 | $ 98,000 | $ 61,000 |
| Haywood County North Carolina | 41 | $ 7,331,000 | $ 178,000 | $ 121,000 |
| Cherokee County North Carolina | 40 | $ 5,051,000 | $ 126,000 | $ 115,000 |
| Columbus County North Carolina | 39 | $ 2,871,000 | $ 73,000 | $ 55,000 |
| Ashe County North Carolina | 37 | $ 5,313,000 | $ 143,000 | $ 66,000 |
| Durham County North Carolina | 37 | $ 6,468,000 | $ 174,000 | $ 117,000 |
| Lincoln County North Carolina | 36 | $ 5,160,000 | $ 143,000 | $ 59,000 |
| Stokes County North Carolina | 36 | $ 2,925,000 | $ 81,000 | $ 58,000 |
| Iredell County North Carolina | 35 | $ 4,631,000 | $ 132,000 | $ 39,000 |
| Moore County North Carolina | 34 | $ 7,895,000 | $ 232,000 | $ 169,000 |
| Brunswick County Virginia | 34 | $ 2,649,000 | $ 77,000 | $ 66,000 |
| Avery County North Carolina | 31 | $ 3,483,000 | $ 112,000 | $ 49,000 |
| Chatham County North Carolina | 31 | $ 5,692,000 | $ 183,000 | $ 73,000 |
| Davidson County North Carolina | 31 | $ 6,321,000 | $ 203,000 | $ 77,000 |
| Madison County North Carolina | 31 | $ 2,259,000 | $ 72,000 | $ 45,000 |
| Macon County North Carolina | 30 | $ 8,070,000 | $ 269,000 | $ 177,000 |
| Horry County South Carolina | 29 | $ 7,457,000 | $ 257,000 | $ 157,000 |
| Surry County North Carolina | 28 | $ 3,396,000 | $ 121,000 | $ 97,000 |
| Montgomery County Virginia | 27 | $ 2,791,000 | $ 103,000 | $ 208,000 |
| Beaufort County North Carolina | 26 | $ 3,291,000 | $ 126,000 | $ 117,000 |
| Franklin County Virginia | 26 | $ 6,356,000 | $ 244,000 | $ 91,000 |
| Staunton County Virginia | 26 | $ 3,195,000 | $ 122,000 | $ 43,000 |
| Halifax County North Carolina | 25 | $ 3,236,000 | $ 129,000 | $ 83,000 |
| Wilkes County North Carolina | 25 | $ 2,508,000 | $ 100,000 | $ 103,000 |
| Wilson County North Carolina | 24 | $ 3,337,000 | $ 139,000 | $ 108,000 |
| Albemarle County Virginia | 24 | $ 6,706,000 | $ 279,000 | $ 98,000 |
| Duplin County North Carolina | 23 | $ 2,971,000 | $ 129,000 | $ 69,000 |
| Rockingham County Virginia | 23 | $ 4,214,000 | $ 183,000 | $ 90,000 |
| Graham County North Carolina | 22 | $ 1,913,000 | $ 86,000 | $ 78,000 |
| Pasquotank County North Carolina | 22 | $ 1,748,000 | $ 79,000 | $ 96,000 |
| Alleghany County North Carolina | 21 | $ 1,943,000 | $ 92,000 | $ 74,000 |
| Bedford County Virginia | 21 | $ 2,794,000 | $ 133,000 | $ 85,000 |
| Clay County North Carolina | 20 | $ 2,312,000 | $ 115,000 | $ 70,000 |
| Warren County North Carolina | 20 | $ 1,609,000 | $ 80,000 | $ 95,000 |
| Alleghany County Virginia | 20 | $ 1,052,000 | $ 52,000 | $ 77,000 |
| Botetourt County Virginia | 20 | $ 2,975,000 | $ 148,000 | $ 63,000 |
| Randolph County North Carolina | 18 | $ 2,006,000 | $ 111,000 | $ 59,000 |
| Stanly County North Carolina | 18 | $ 1,186,000 | $ 65,000 | $ 139,000 |
| McDowell County North Carolina | 17 | $ 1,651,000 | $ 97,000 | $ 51,000 |
| Vance County North Carolina | 17 | $ 1,518,000 | $ 89,000 | $ 74,000 |
| Orange County North Carolina | 16 | $ 4,485,000 | $ 280,000 | $ 122,000 |
| Cabarrus County North Carolina | 15 | $ 2,153,000 | $ 143,000 | $ 99,000 |
| Carroll County Virginia | 14 | $ 982,000 | $ 70,000 | $ 43,000 |
| Greene County North Carolina | 13 | $ 1,013,000 | $ 77,000 | $ 70,000 |
| Alexander County North Carolina | 12 | $ 1,100,000 | $ 91,000 | $ 53,000 |
| Harrisonburg County Virginia | 12 | $ 1,411,000 | $ 117,000 | $ 75,000 |
| Jones County North Carolina | 11 | $ 751,000 | $ 68,000 | $ 78,000 |
| Robeson County North Carolina | 11 | $ 834,000 | $ 75,000 | $ 73,000 |
| Yadkin County North Carolina | 11 | $ 744,000 | $ 67,000 | $ 27,000 |
| Charleston County South Carolina | 11 | $ 3,452,000 | $ 313,000 | $ 374,000 |
| York County South Carolina | 11 | $ 2,292,000 | $ 208,000 | $ 32,000 |
| Frederick County Virginia | 11 | $ 1,687,000 | $ 153,000 | $ 64,000 |
| Richmond City County Virginia | 11 | $ 3,424,000 | $ 311,000 | $ 54,000 |
| Polk County North Carolina | 10 | $ 1,919,000 | $ 191,000 | $ 83,000 |
| Lynchburg County Virginia | 10 | $ 721,000 | $ 72,000 | $ 64,000 |
| Gaston County North Carolina | 9 | $ 1,635,000 | $ 181,000 | $ 105,000 |
| Northampton County North Carolina | 9 | $ 369,000 | $ 41,000 | $ 139,000 |
| Charlotte County Virginia | 9 | $ 822,000 | $ 91,000 | $ 41,000 |
| Charlottesville County Virginia | 9 | $ 1,153,000 | $ 128,000 | $ 113,000 |
| Chesterfield County Virginia | 9 | $ 1,412,000 | $ 156,000 | $ 98,000 |
| Lunenburg County Virginia | 9 | $ 677,000 | $ 75,000 | $ 50,000 |
| Nottoway County Virginia | 9 | $ 1,184,000 | $ 131,000 | $ 82,000 |
| Winchester County Virginia | 9 | $ 1,871,000 | $ 207,000 | $ 67,000 |
| Gates County North Carolina | 8 | $ 600,000 | $ 75,000 | $ 60,000 |
| Nash County North Carolina | 8 | $ 1,038,000 | $ 129,000 | $ 79,000 |
| Perquimans County North Carolina | 8 | $ 818,000 | $ 102,000 | $ 85,000 |
| Campbell County Virginia | 8 | $ 1,014,000 | $ 126,000 | $ 40,000 |
| Salem County Virginia | 8 | $ 1,240,000 | $ 155,000 | $ 91,000 |
| Spotsylvania County Virginia | 8 | $ 1,848,000 | $ 231,000 | $ 108,000 |
| Yancey County North Carolina | 7 | $ 1,441,000 | $ 205,000 | $ 60,000 |
| Greensville County Virginia | 7 | $ 507,000 | $ 72,000 | $ 51,000 |
| Pulaski County Virginia | 7 | $ 701,000 | $ 100,000 | $ 70,000 |
| Fluvanna County Virginia | 6 | $ 785,000 | $ 130,000 | $ 75,000 |
| Waynesboro County Virginia | 6 | $ 477,000 | $ 79,000 | $ 41,000 |
| Chowan County North Carolina | 5 | $ 1,010,000 | $ 202,000 | $ 62,000 |
| Cleveland County North Carolina | 5 | $ 296,000 | $ 59,000 | $ 46,000 |
| Martin County North Carolina | 5 | $ 494,000 | $ 98,000 | $ 46,000 |
| Rowan County North Carolina | 5 | $ 1,623,000 | $ 324,000 | $ 189,000 |
| Spartanburg County South Carolina | 5 | $ 617,000 | $ 123,000 | $ 58,000 |
| Warren County Virginia | 5 | $ 685,000 | $ 137,000 | $ 24,000 |
| Monroe County West Virginia | 5 | $ 724,000 | $ 144,000 | $ 82,000 |
| Alamance County North Carolina | 4 | $ 462,000 | $ 115,000 | $ 85,000 |
| Granville County North Carolina | 4 | $ 827,000 | $ 206,000 | $ 153,000 |
| Hoke County North Carolina | 4 | $ 775,000 | $ 193,000 | $ 113,000 |
| Person County North Carolina | 4 | $ 1,204,000 | $ 301,000 | $ 238,000 |
| Beaufort County South Carolina | 4 | $ 2,023,000 | $ 505,000 | $ 387,000 |
| Covington County Virginia | 4 | $ 275,000 | $ 68,000 | $ 47,000 |
| Halifax County Virginia | 4 | $ 681,000 | $ 170,000 | $ 73,000 |
| Henrico County Virginia | 4 | $ 580,000 | $ 145,000 | $ 49,000 |
| Nelson County Virginia | 4 | $ 1,312,000 | $ 328,000 | $ 123,000 |
| Flagler County Florida | 3 | $ 1,773,000 | $ 591,000 | $ 770,000 |
| Towns County Georgia | 3 | $ 507,000 | $ 169,000 | $ 113,000 |
| Anson County North Carolina | 3 | $ 335,000 | $ 111,000 | $ 75,000 |
| Currituck County North Carolina | 3 | $ 326,000 | $ 108,000 | $ 44,000 |
| Dare County North Carolina | 3 | $ 1,333,000 | $ 444,000 | $ 199,000 |
| Davie County North Carolina | 3 | $ 379,000 | $ 126,000 | $ 104,000 |
| Montgomery County North Carolina | 3 | $ 621,000 | $ 207,000 | $ 297,000 |
| Greenville County South Carolina | 3 | $ 616,000 | $ 205,000 | $ 84,000 |
| Bedford City County Virginia | 3 | $ 440,000 | $ 146,000 | $ 28,000 |
| Galax County Virginia | 3 | $ 161,000 | $ 53,000 | $ 25,000 |
| Grayson County Virginia | 3 | $ 134,000 | $ 44,000 | $ 33,000 |
| Greene County Virginia | 3 | $ 445,000 | $ 148,000 | $ 112,000 |
| Southampton County Virginia | 3 | $ 584,000 | $ 194,000 | $ 75,000 |
| Forsyth County Georgia | 2 | $ 290,000 | $ 145,000 | $ 35,000 |
| Gwinnett County Georgia | 2 | $ 260,000 | $ 130,000 | $ 48,000 |
| Rabun County Georgia | 2 | $ 434,000 | $ 217,000 | $ 117,000 |
| Camden County North Carolina | 2 | $ 155,000 | $ 77,000 | $ 44,000 |
| Caswell County North Carolina | 2 | $ 311,000 | $ 155,000 | $ 51,000 |
| Edgecombe County North Carolina | 2 | $ 307,000 | $ 153,000 | $ 103,000 |
| Hyde County North Carolina | 2 | $ 561,000 | $ 280,000 | $ 2,964,000 |
| Colleton County South Carolina | 2 | $ 1,000,000 | $ 500,000 | $ 376,000 |
| Dorchester County South Carolina | 2 | $ 298,000 | $ 149,000 | $ 78,000 |
| Georgetown County South Carolina | 2 | $ 318,000 | $ 159,000 | $ 131,000 |
| Greenwood County South Carolina | 2 | $ 227,000 | $ 113,000 | $ 34,000 |
| Lancaster County South Carolina | 2 | $ 147,000 | $ 73,000 | $ 49,000 |
| Oconee County South Carolina | 2 | $ 835,000 | $ 417,000 | $ 330,000 |
| Pickens County South Carolina | 2 | $ 1,248,000 | $ 624,000 | $ 304,000 |
| Richland County South Carolina | 2 | $ 405,000 | $ 202,000 | $ 158,000 |
| Bristol County Virginia | 2 | $ 104,000 | $ 52,000 | $ 57,000 |
| Emporia County Virginia | 2 | $ 146,000 | $ 73,000 | $ 48,000 |
| Fredericksburg County Virginia | 2 | $ 966,000 | $ 483,000 | $ 506,000 |
| Hanover County Virginia | 2 | $ 354,000 | $ 177,000 | $ 232,000 |
| Page County Virginia | 2 | $ 235,000 | $ 117,000 | $ 59,000 |
| Prince Edward County Virginia | 2 | $ 174,000 | $ 87,000 | $ 42,000 |
| Virginia Beach County Virginia | 2 | $ 160,000 | $ 80,000 | $ 54,000 |
| Nicholas County West Virginia | 2 | $ 183,000 | $ 91,000 | $ 33,000 |
| Putnam County West Virginia | 2 | $ 261,000 | $ 130,000 | $ 105,000 |
| Randolph County West Virginia | 2 | $ 99,000 | $ 49,000 | $ 50,000 |
| Collier County Florida | 1 | $ 1,428,000 | $ 1,428,000 | $ 304,000 |
| Duval County Florida | 1 | $ 645,000 | $ 645,000 | $ 443,000 |
| Lake County Florida | 1 | $ 76,000 | $ 76,000 | $ 29,000 |
| Leon County Florida | 1 | $ 104,000 | $ 104,000 | $ 147,000 |
| Orange County Florida | 1 | $ 164,000 | $ 164,000 | $ 350,000 |
| Palm Beach County Florida | 1 | $ 280,000 | $ 280,000 | $ 400,000 |
| Pinellas County Florida | 1 | $ 50,000 | $ 50,000 | $ 58,000 |
| Polk County Florida | 1 | $ 274,000 | $ 274,000 | $ 244,000 |
| Sarasota County Florida | 1 | $ 1,380,000 | $ 1,380,000 | $ 1,249,000 |
| Cobb County Georgia | 1 | $ 419,000 | $ 419,000 | $ 186,000 |
| DeKalb County Georgia | 1 | $ 301,000 | $ 301,000 | $ 95,000 |
| Anne Arundel County Maryland | 1 | $ 550,000 | $ 550,000 | $ 320,000 |
| Sandoval County New Mexico | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Hertford County North Carolina | 1 | $ 30,000 | $ 30,000 | $ 119,000 |
| Mitchell County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 48,000 |
| Richmond County North Carolina | 1 | $ 97,000 | $ 97,000 | $ 279,000 |
| Tyrrell County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 90,000 |
| Berkeley County South Carolina | 1 | $ 99,000 | $ 99,000 | $ 71,000 |
| Clarendon County South Carolina | 1 | $ 355,000 | $ 355,000 | $ 455,000 |
| Lexington County South Carolina | 1 | $ 94,000 | $ 94,000 | $ 24,000 |
| Newberry County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 248,000 |
| Carter County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 24,000 |
| Jefferson County Tennessee | 1 | $ 8,000 | $ 8,000 | $ 58,000 |
| Washington County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Burnet County Texas | 1 | $ 420,000 | $ 420,000 | $ 503,000 |
| Amherst County Virginia | 1 | $ 24,000 | $ 24,000 | $ 25,000 |
| Bath County Virginia | 1 | $ 60,000 | $ 60,000 | $ 51,000 |
| Craig County Virginia | 1 | $ 126,000 | $ 126,000 | $ 49,000 |
| Giles County Virginia | 1 | $ 31,000 | $ 31,000 | $ 22,000 |
| Gloucester County Virginia | 1 | $ 202,000 | $ 202,000 | $ 77,000 |
| Goochland County Virginia | 1 | $ 152,000 | $ 152,000 | $ 53,000 |
| Loudoun County Virginia | 1 | $ 30,000 | $ 30,000 | $ 74,000 |
| Louisa County Virginia | 1 | $ 194,000 | $ 194,000 | $ 85,000 |
| Martinsville County Virginia | 1 | $ 82,000 | $ 82,000 | $ 19,000 |
| Middlesex County Virginia | 1 | $ 610,000 | $ 610,000 | $ 308,000 |
| Newport News County Virginia | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Northumberland County Virginia | 1 | $ 20,000 | $ 20,000 | $ 37,000 |
| Prince George County Virginia | 1 | $ 100,000 | $ 100,000 | $ 76,000 |
| Prince William County Virginia | 1 | $ 123,000 | $ 123,000 | $ 24,000 |
| Rappahannock County Virginia | 1 | $ 132,000 | $ 132,000 | $ 25,000 |
| Rockbridge County Virginia | 1 | $ 450,000 | $ 450,000 | $ 109,000 |
| Shenandoah County Virginia | 1 | $ 46,000 | $ 46,000 | $ 105,000 |
| Sussex County Virginia | 1 | $ 19,000 | $ 19,000 | $ 31,000 |
| Washington County Virginia | 1 | $ 92,000 | $ 92,000 | $ 37,000 |
| Wythe County Virginia | 1 | $ 33,000 | $ 33,000 | $ 47,000 |
| Hardy County West Virginia | 1 | $ 286,000 | $ 286,000 | $ 122,000 |
| Jefferson County West Virginia | 1 | $ 359,000 | $ 359,000 | $ 538,000 |
| Kanawha County West Virginia | 1 | $ 142,000 | $ 142,000 | $ 65,000 |
| Lewis County West Virginia | 1 | $ 235,000 | $ 235,000 | $ 104,000 |
| Monongalia County West Virginia | 1 | $ 126,000 | $ 126,000 | $ 137,000 |
| Tyler County 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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