First-Citizens Bank & Trust Co Mortgage Lending & HMDA Data, 2006
In 2006, First-Citizens Bank & Trust Co of Raleigh, NC reported 5,605 mortgage applications totaling $939.7 million, up 2% from 2005. The average application was for $167,648, and applicants reported an average income of $107,142. 72% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Raleigh-Cary, NC (505), Asheville, NC (406) and Wilmington, NC (332) (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 | 5,605 |
| Total Mortgage Loan Application Amount | $939,670,000 |
| Average Mortgage Loan Application Amount | $167,648 |
| Highest Mortgage Loan Application Amount | $2,677,000 |
| Average Applicant Income | $107,142 |
| 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records First-Citizens Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 340 | $ 73,162,000 | $ 215,182 | $ 131,000 |
| Carteret, North Carolina | 187 | $ 39,423,000 | $ 210,818 | $ 126,000 |
| Buncombe, North Carolina | 181 | $ 38,657,000 | $ 213,574 | $ 96,000 |
| Mecklenburg, North Carolina | 174 | $ 33,862,000 | $ 194,609 | $ 89,000 |
| New Hanover, North Carolina | 173 | $ 60,438,000 | $ 349,352 | $ 209,000 |
| Cumberland, North Carolina | 171 | $ 24,149,000 | $ 141,222 | $ 114,000 |
| Pitt, North Carolina | 161 | $ 31,958,000 | $ 198,496 | $ 106,000 |
| Henderson, North Carolina | 158 | $ 25,896,000 | $ 163,898 | $ 86,000 |
| Guilford, North Carolina | 134 | $ 17,301,000 | $ 129,111 | $ 79,000 |
| Craven, North Carolina | 130 | $ 26,303,000 | $ 202,330 | $ 102,000 |
| Onslow, North Carolina | 123 | $ 20,299,000 | $ 165,032 | $ 105,000 |
| Johnston, North Carolina | 111 | $ 15,012,000 | $ 135,243 | $ 93,000 |
| Caldwell, North Carolina | 104 | $ 11,963,000 | $ 115,028 | $ 65,000 |
| Forsyth, North Carolina | 104 | $ 13,148,000 | $ 126,423 | $ 105,000 |
| Catawba, North Carolina | 94 | $ 16,384,000 | $ 174,297 | $ 119,000 |
| Union, North Carolina | 89 | $ 15,339,000 | $ 172,348 | $ 98,000 |
| Brunswick, North Carolina | 88 | $ 22,481,000 | $ 255,465 | $ 141,000 |
| Roanoke City, Virginia | 85 | $ 8,406,000 | $ 98,894 | $ 44,000 |
| Burke, North Carolina | 74 | $ 11,062,000 | $ 149,486 | $ 105,000 |
| Pender, North Carolina | 71 | $ 15,144,000 | $ 213,295 | $ 111,000 |
| Sampson, North Carolina | 71 | $ 5,504,000 | $ 77,521 | $ 75,000 |
| Danville, Virginia | 68 | $ 8,244,000 | $ 121,235 | $ 101,000 |
| Mecklenburg, Virginia | 67 | $ 9,253,000 | $ 138,104 | $ 106,000 |
| Greenbrier, West Virginia | 64 | $ 5,268,000 | $ 82,312 | $ 88,000 |
| Harnett, North Carolina | 63 | $ 6,926,000 | $ 109,936 | $ 75,000 |
| Ashe, North Carolina | 61 | $ 11,267,000 | $ 184,704 | $ 86,000 |
| Lenoir, North Carolina | 61 | $ 4,214,000 | $ 69,081 | $ 84,000 |
| Pittsylvania, Virginia | 59 | $ 8,023,000 | $ 135,983 | $ 59,000 |
| Jackson, North Carolina | 55 | $ 13,020,000 | $ 236,727 | $ 159,000 |
| Roanoke, Virginia | 55 | $ 8,708,000 | $ 158,327 | $ 75,000 |
| Franklin, North Carolina | 54 | $ 5,400,000 | $ 100,000 | $ 68,000 |
| Stokes, North Carolina | 54 | $ 4,983,000 | $ 92,277 | $ 74,000 |
| Brunswick, Virginia | 54 | $ 4,137,000 | $ 76,611 | $ 52,000 |
| Watauga, North Carolina | 53 | $ 11,894,000 | $ 224,415 | $ 148,000 |
| Rockingham, North Carolina | 48 | $ 4,041,000 | $ 84,187 | $ 71,000 |
| Wayne, North Carolina | 47 | $ 3,566,000 | $ 75,872 | $ 78,000 |
| Pocahontas, West Virginia | 46 | $ 3,332,000 | $ 72,434 | $ 60,000 |
| Pamlico, North Carolina | 41 | $ 6,259,000 | $ 152,658 | $ 89,000 |
| Transylvania, North Carolina | 40 | $ 8,931,000 | $ 223,275 | $ 130,000 |
| Beaufort, North Carolina | 39 | $ 7,366,000 | $ 188,871 | $ 129,000 |
| Rutherford, North Carolina | 39 | $ 3,326,000 | $ 85,282 | $ 62,000 |
| Bedford, Virginia | 39 | $ 4,908,000 | $ 125,846 | $ 81,000 |
| Durham, North Carolina | 38 | $ 4,784,000 | $ 125,894 | $ 106,000 |
| Swain, North Carolina | 37 | $ 2,613,000 | $ 70,621 | $ 54,000 |
| Halifax, North Carolina | 36 | $ 6,209,000 | $ 172,472 | $ 106,000 |
| Iredell, North Carolina | 36 | $ 5,191,000 | $ 144,194 | $ 56,000 |
| Moore, North Carolina | 36 | $ 9,477,000 | $ 263,250 | $ 161,000 |
| Madison, North Carolina | 35 | $ 4,683,000 | $ 133,800 | $ 53,000 |
| Macon, North Carolina | 34 | $ 8,389,000 | $ 246,735 | $ 139,000 |
| Avery, North Carolina | 32 | $ 3,677,000 | $ 114,906 | $ 69,000 |
| Bladen, North Carolina | 32 | $ 2,286,000 | $ 71,437 | $ 76,000 |
| Haywood, North Carolina | 32 | $ 4,820,000 | $ 150,625 | $ 89,000 |
| Lee, North Carolina | 32 | $ 3,355,000 | $ 104,843 | $ 67,000 |
| Cherokee, North Carolina | 31 | $ 5,196,000 | $ 167,612 | $ 103,000 |
| McDowell, North Carolina | 31 | $ 4,015,000 | $ 129,516 | $ 65,000 |
| Lincoln, North Carolina | 30 | $ 4,003,000 | $ 133,433 | $ 73,000 |
| Albemarle, Virginia | 30 | $ 7,892,000 | $ 263,066 | $ 126,000 |
| Horry, South Carolina | 28 | $ 7,000,000 | $ 250,000 | $ 174,000 |
| Stanly, North Carolina | 27 | $ 3,450,000 | $ 127,777 | $ 107,000 |
| Surry, North Carolina | 27 | $ 3,487,000 | $ 129,148 | $ 74,000 |
| Davidson, Tennessee | 27 | $ 3,890,000 | $ 144,074 | $ 156,000 |
| Alleghany, North Carolina | 26 | $ 3,586,000 | $ 137,923 | $ 105,000 |
| Columbus, North Carolina | 26 | $ 1,733,000 | $ 66,653 | $ 69,000 |
| Pasquotank, North Carolina | 26 | $ 6,067,000 | $ 233,346 | $ 144,000 |
| Wilkes, North Carolina | 26 | $ 4,300,000 | $ 165,384 | $ 93,000 |
| Botetourt, Virginia | 24 | $ 4,241,000 | $ 176,708 | $ 104,000 |
| Montgomery, Virginia | 24 | $ 2,376,000 | $ 99,000 | $ 879,000 |
| Rockingham, Virginia | 24 | $ 3,725,000 | $ 155,208 | $ 68,000 |
| Chatham, North Carolina | 22 | $ 5,123,000 | $ 232,863 | $ 92,000 |
| Duplin, North Carolina | 21 | $ 1,139,000 | $ 54,238 | $ 55,000 |
| Alleghany, Virginia | 21 | $ 1,214,000 | $ 57,809 | $ 44,000 |
| Orange, North Carolina | 20 | $ 6,361,000 | $ 318,050 | $ 187,000 |
| Warren, North Carolina | 20 | $ 4,088,000 | $ 204,400 | $ 109,000 |
| Augusta, Virginia | 20 | $ 3,430,000 | $ 171,500 | $ 88,000 |
| Cabarrus, North Carolina | 19 | $ 3,274,000 | $ 172,315 | $ 66,000 |
| Clay, North Carolina | 19 | $ 2,810,000 | $ 147,894 | $ 95,000 |
| Randolph, North Carolina | 19 | $ 2,916,000 | $ 153,473 | $ 86,000 |
| Franklin, Virginia | 19 | $ 5,561,000 | $ 292,684 | $ 370,000 |
| Northampton, North Carolina | 18 | $ 1,615,000 | $ 89,722 | $ 165,000 |
| Wilson, North Carolina | 18 | $ 2,248,000 | $ 124,888 | $ 93,000 |
| Davidson, North Carolina | 17 | $ 2,008,000 | $ 118,117 | $ 67,000 |
| Graham, North Carolina | 17 | $ 1,360,000 | $ 80,000 | $ 65,000 |
| Greene, North Carolina | 16 | $ 1,467,000 | $ 91,687 | $ 68,000 |
| Lunenburg, Virginia | 16 | $ 1,650,000 | $ 103,125 | $ 74,000 |
| Nottoway, Virginia | 16 | $ 1,275,000 | $ 79,687 | $ 54,000 |
| Anne Arundel, Maryland | 15 | $ 3,672,000 | $ 244,800 | $ 130,000 |
| Alexander, North Carolina | 15 | $ 1,214,000 | $ 80,933 | $ 80,000 |
| Lynchburg, Virginia | 15 | $ 1,399,000 | $ 93,266 | $ 73,000 |
| Martin, North Carolina | 14 | $ 1,005,000 | $ 71,785 | $ 53,000 |
| Nash, North Carolina | 14 | $ 935,000 | $ 66,785 | $ 50,000 |
| Salem, Virginia | 14 | $ 1,897,000 | $ 135,500 | $ 106,000 |
| Polk, North Carolina | 13 | $ 2,584,000 | $ 198,769 | $ 81,000 |
| Staunton, Virginia | 13 | $ 1,283,000 | $ 98,692 | $ 50,000 |
| Pulaski, Virginia | 12 | $ 711,000 | $ 59,250 | $ 53,000 |
| Yadkin, North Carolina | 11 | $ 583,000 | $ 53,000 | $ 67,000 |
| Charlotte, Virginia | 11 | $ 1,038,000 | $ 94,363 | $ 61,000 |
| Grayson, Virginia | 11 | $ 1,524,000 | $ 138,545 | $ 68,000 |
| Harrisonburg, Virginia | 11 | $ 1,973,000 | $ 179,363 | $ 71,000 |
| Robeson, North Carolina | 10 | $ 1,774,000 | $ 177,400 | $ 81,000 |
| Charleston, South Carolina | 10 | $ 5,562,000 | $ 556,200 | $ 270,000 |
| Spotsylvania, Virginia | 10 | $ 2,887,000 | $ 288,700 | $ 147,000 |
| Gaston, North Carolina | 9 | $ 745,000 | $ 82,777 | $ 83,000 |
| Spartanburg, South Carolina | 9 | $ 844,000 | $ 93,777 | $ 69,000 |
| York, South Carolina | 9 | $ 1,481,000 | $ 164,555 | $ 69,000 |
| Carroll, Virginia | 9 | $ 417,000 | $ 46,333 | $ 56,000 |
| Frederick, Virginia | 9 | $ 5,637,000 | $ 626,333 | $ 233,000 |
| Henrico, Virginia | 9 | $ 2,483,000 | $ 275,888 | $ 123,000 |
| Caswell, North Carolina | 8 | $ 1,039,000 | $ 129,875 | $ 73,000 |
| Gates, North Carolina | 8 | $ 532,000 | $ 66,500 | $ 49,000 |
| Jones, North Carolina | 8 | $ 1,226,000 | $ 153,250 | $ 130,000 |
| Charlottesville, Virginia | 8 | $ 1,599,000 | $ 199,875 | $ 126,000 |
| Vance, North Carolina | 7 | $ 516,000 | $ 73,714 | $ 86,000 |
| Yancey, North Carolina | 7 | $ 552,000 | $ 78,857 | $ 38,000 |
| Granville, North Carolina | 6 | $ 570,000 | $ 95,000 | $ 56,000 |
| Hoke, North Carolina | 6 | $ 445,000 | $ 74,166 | $ 61,000 |
| Travis, Texas | 6 | $ 3,612,000 | $ 602,000 | $ 370,000 |
| Campbell, Virginia | 6 | $ 826,000 | $ 137,666 | $ 36,000 |
| Greensville, Virginia | 6 | $ 336,000 | $ 56,000 | $ 173,000 |
| Chowan, North Carolina | 5 | $ 404,000 | $ 80,800 | $ 38,000 |
| Davie, North Carolina | 5 | $ 812,000 | $ 162,400 | $ 85,000 |
| Alamance, North Carolina | 4 | $ 311,000 | $ 77,750 | $ 192,000 |
| Anson, North Carolina | 4 | $ 461,000 | $ 115,250 | $ 50,000 |
| Cleveland, North Carolina | 4 | $ 159,000 | $ 39,750 | $ 32,000 |
| Dare, North Carolina | 4 | $ 4,204,000 | $ 1,051,000 | $ 749,000 |
| Rowan, North Carolina | 4 | $ 1,291,000 | $ 322,750 | $ 227,000 |
| Anderson, South Carolina | 4 | $ 342,000 | $ 85,500 | $ 138,000 |
| Bedford City, Virginia | 4 | $ 484,000 | $ 121,000 | $ 53,000 |
| Chesterfield, Virginia | 4 | $ 776,000 | $ 194,000 | $ 123,000 |
| Greene, Virginia | 4 | $ 567,000 | $ 141,750 | $ 74,000 |
| Halifax, Virginia | 4 | $ 508,000 | $ 127,000 | $ 73,000 |
| Hanover, Virginia | 4 | $ 974,000 | $ 243,500 | $ 223,000 |
| Patrick, Virginia | 4 | $ 576,000 | $ 144,000 | $ 266,000 |
| Warren, Virginia | 4 | $ 583,000 | $ 145,750 | $ 59,000 |
| Waynesboro, Virginia | 4 | $ 461,000 | $ 115,250 | $ 50,000 |
| Monroe, West Virginia | 4 | $ 250,000 | $ 62,500 | $ 77,000 |
| Perquimans, North Carolina | 3 | $ 341,000 | $ 113,666 | $ 159,000 |
| Person, North Carolina | 3 | $ 808,000 | $ 269,333 | $ 223,000 |
| Beaufort, South Carolina | 3 | $ 1,068,000 | $ 356,000 | $ 230,000 |
| Johnson, Tennessee | 3 | $ 1,437,000 | $ 479,000 | $ 441,000 |
| Chesapeake, Virginia | 3 | $ 400,000 | $ 133,333 | $ 178,000 |
| Emporia, Virginia | 3 | $ 232,000 | $ 77,333 | $ 74,000 |
| Floyd, Virginia | 3 | $ 285,000 | $ 95,000 | $ 78,000 |
| Fluvanna, Virginia | 3 | $ 382,000 | $ 127,333 | $ 75,000 |
| Page, Virginia | 3 | $ 218,000 | $ 72,666 | $ 160,000 |
| Richmond City, Virginia | 3 | $ 360,000 | $ 120,000 | $ 207,000 |
| Stafford, Virginia | 3 | $ 1,793,000 | $ 597,666 | $ 279,000 |
| Randolph, West Virginia | 3 | $ 201,000 | $ 67,000 | $ 55,000 |
| Greene, Georgia | 2 | $ 2,850,000 | $ 1,425,000 | $ 1,172,000 |
| Camden, North Carolina | 2 | $ 177,000 | $ 88,500 | $ 77,000 |
| Edgecombe, North Carolina | 2 | $ 242,000 | $ 121,000 | $ 54,000 |
| Hertford, North Carolina | 2 | $ 279,000 | $ 139,500 | $ 38,000 |
| Lexington, South Carolina | 2 | $ 386,000 | $ 193,000 | $ 101,000 |
| Oconee, South Carolina | 2 | $ 294,000 | $ 147,000 | $ 94,000 |
| Carter, Tennessee | 2 | $ 133,000 | $ 66,500 | $ 44,000 |
| Unicoi, Tennessee | 2 | $ 166,000 | $ 83,000 | $ 42,000 |
| Williamson, Tennessee | 2 | $ 400,000 | $ 200,000 | $ 367,000 |
| Amelia, Virginia | 2 | $ 140,000 | $ 70,000 | $ 101,000 |
| Amherst, Virginia | 2 | $ 185,000 | $ 92,500 | $ 52,000 |
| Bath, Virginia | 2 | $ 240,000 | $ 120,000 | $ 31,000 |
| Covington, Virginia | 2 | $ 116,000 | $ 58,000 | $ 48,000 |
| Craig, Virginia | 2 | $ 52,000 | $ 26,000 | $ 62,000 |
| Fairfax, Virginia | 2 | $ 866,000 | $ 433,000 | $ 115,000 |
| Fredericksburg, Virginia | 2 | $ 617,000 | $ 308,500 | $ 242,000 |
| Galax, Virginia | 2 | $ 73,000 | $ 36,500 | $ 25,000 |
| Henry, Virginia | 2 | $ 106,000 | $ 53,000 | $ 50,000 |
| Loudoun, Virginia | 2 | $ 339,000 | $ 169,500 | $ 119,000 |
| Nelson, Virginia | 2 | $ 342,000 | $ 171,000 | $ 138,000 |
| Powhatan, Virginia | 2 | $ 2,130,000 | $ 1,065,000 | $ 416,000 |
| Shenandoah, Virginia | 2 | $ 502,000 | $ 251,000 | $ 84,000 |
| Virginia Beach, Virginia | 2 | $ 832,000 | $ 416,000 | $ 362,000 |
| Winchester, Virginia | 2 | $ 256,000 | $ 128,000 | $ 53,000 |
| Wythe, Virginia | 2 | $ 254,000 | $ 127,000 | $ 78,000 |
| Kanawha, West Virginia | 2 | $ 734,000 | $ 367,000 | $ 131,000 |
| Raleigh, West Virginia | 2 | $ 152,000 | $ 76,000 | $ 49,000 |
| Summers, West Virginia | 2 | $ 245,000 | $ 122,500 | $ 16,000 |
| La Plata, Colorado | 1 | $ 369,000 | $ 369,000 | $ 1,167,000 |
| Collier, Florida | 1 | $ 1,428,000 | $ 1,428,000 | $ 471,000 |
| Palm Beach, Florida | 1 | $ 148,000 | $ 148,000 | $ 120,000 |
| Walton, Florida | 1 | $ 2,442,000 | $ 2,442,000 | $ 1,224,000 |
| Carroll, Georgia | 1 | $ 216,000 | $ 216,000 | $ 75,000 |
| Coweta, Georgia | 1 | $ 157,000 | $ 157,000 | $ 67,000 |
| Floyd, Georgia | 1 | $ 72,000 | $ 72,000 | $ 126,000 |
| Fulton, Georgia | 1 | $ 392,000 | $ 392,000 | $ 304,000 |
| Gwinnett, Georgia | 1 | $ 505,000 | $ 505,000 | $ 195,000 |
| Frederick, Maryland | 1 | $ 264,000 | $ 264,000 | $ 76,000 |
| Prince George's, Maryland | 1 | $ 125,000 | $ 125,000 | $ 117,000 |
| Bertie, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 49,000 |
| Currituck, North Carolina | 1 | $ 42,000 | $ 42,000 | $ 33,000 |
| Montgomery, North Carolina | 1 | $ 180,000 | $ 180,000 | $ 53,000 |
| Scotland, North Carolina | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| York, Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 77,000 |
| Abbeville, South Carolina | 1 | $ 72,000 | $ 72,000 | $ 20,000 |
| Chesterfield, South Carolina | 1 | $ 175,000 | $ 175,000 | $ 69,000 |
| Colleton, South Carolina | 1 | $ 256,000 | $ 256,000 | $ 287,000 |
| Georgetown, South Carolina | 1 | $ 160,000 | $ 160,000 | $ 300,000 |
| Lancaster, South Carolina | 1 | $ 110,000 | $ 110,000 | $ 39,000 |
| Laurens, South Carolina | 1 | $ 232,000 | $ 232,000 | $ 110,000 |
| Saluda, South Carolina | 1 | $ 196,000 | $ 196,000 | $ 270,000 |
| Williamsburg, South Carolina | 1 | $ 100,000 | $ 100,000 | $ 35,000 |
| Blount, Tennessee | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Carroll, Tennessee | 1 | $ 10,000 | $ 10,000 | $ 70,000 |
| Jefferson, Tennessee | 1 | $ 152,000 | $ 152,000 | $ 103,000 |
| Sevier, Tennessee | 1 | $ 214,000 | $ 214,000 | $ 62,000 |
| Sumner, Tennessee | 1 | $ 100,000 | $ 100,000 | $ 35,000 |
| Warren, Tennessee | 1 | $ 184,000 | $ 184,000 | $ 58,000 |
| Washington, Tennessee | 1 | $ 44,000 | $ 44,000 | $ 24,000 |
| Arlington, Virginia | 1 | $ 364,000 | $ 364,000 | $ 117,000 |
| Buckingham, Virginia | 1 | $ 118,000 | $ 118,000 | $ 170,000 |
| Colonial Heights, Virginia | 1 | $ 168,000 | $ 168,000 | $ 48,000 |
| Cumberland, Virginia | 1 | $ 98,000 | $ 98,000 | $ 37,000 |
| Giles, Virginia | 1 | $ 61,000 | $ 61,000 | $ 25,000 |
| Middlesex, Virginia | 1 | $ 443,000 | $ 443,000 | $ 250,000 |
| Norfolk, Virginia | 1 | $ 180,000 | $ 180,000 | $ 154,000 |
| Orange, Virginia | 1 | $ 217,000 | $ 217,000 | $ 216,000 |
| Petersburg, Virginia | 1 | $ 117,000 | $ 117,000 | $ 39,000 |
| Prince Edward, Virginia | 1 | $ 114,000 | $ 114,000 | $ 37,000 |
| Radford, Virginia | 1 | $ 83,000 | $ 83,000 | $ 35,000 |
| Sussex, Virginia | 1 | $ 159,000 | $ 159,000 | $ 71,000 |
| Wyoming, West Virginia | 1 | $ 67,000 | $ 67,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for First-Citizens Bank & Trust Co in 2006
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 | 3,017 | $551,522,000 | $182,000 | $2,677,000 | $115,000 | $6,332,000 |
| Refinancing | 2,130 | $353,817,000 | $166,000 | $2,600,000 | $104,000 | $4,281,000 |
| Home Improvement | 458 | $34,331,000 | $74,000 | $1,190,000 | $70,000 | $713,000 |
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 | 4,466 | $765,802,000 | $171,000 | $2,677,000 | $113,000 | $6,332,000 |
| Black or African American | 422 | $40,994,000 | $97,000 | $860,000 | $64,000 | $655,000 |
| Not Provided | 297 | $59,761,000 | $201,000 | $2,600,000 | $124,000 | $2,066,000 |
| Not applicable | 163 | $29,533,000 | $181,000 | $1,432,000 | $0 | $0 |
| Hispanic | 118 | $14,227,000 | $120,000 | $780,000 | $73,000 | $820,000 |
| Asian | 75 | $20,285,000 | $270,000 | $1,774,000 | $186,000 | $864,000 |
| American Indian or Alaskan Native | 51 | $5,249,000 | $102,000 | $735,000 | $84,000 | $391,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $3,819,000 | $293,000 | $1,500,000 | $356,000 | $2,005,000 |
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) | 5,594 | $938,522,000 | $167,000 | $2,677,000 | $107,000 | $6,332,000 |
| FHA-insured (Federal Housing Administration) | 6 | $679,000 | $113,000 | $158,000 | $43,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 5 | $469,000 | $93,000 | $121,000 | $30,000 | $32,000 |
| 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 | 4,035 | $714,612,000 | $177,000 | $2,677,000 | $115,000 | $6,332,000 |
| Application Denied By Financial Institution | 847 | $89,427,000 | $105,000 | $1,428,000 | $64,000 | $808,000 |
| Application Withdrawn By Applicant | 307 | $64,262,000 | $209,000 | $1,346,000 | $119,000 | $1,852,000 |
| Application Approved But Not Accepted | 255 | $42,579,000 | $166,000 | $2,600,000 | $132,000 | $2,189,000 |
| File Closed For Incompleteness | 87 | $18,527,000 | $212,000 | $1,260,000 | $119,000 | $780,000 |
| Loan Purchased By The Institution | 40 | $5,435,000 | $135,000 | $285,000 | $40,000 | $104,000 |
| Preapproval Denied by Financial Institution | 34 | $4,828,000 | $142,000 | $524,000 | $35,000 | $128,000 |
| 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 2006 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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