First-Citizens Bank & Trust Co
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
First-Citizens Bank & Trust Co 2006 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 | 5,605 |
| Total Mortgage Loan Application Amount | $939,670,000 |
| Average Mortgage Loan Application Amount | $140,666 |
| Highest Mortgage Loan Application Amount | $2,677,000 |
| Average Applicant Income | $96,333 |
| Highest Applicant Income | $6,332,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 340 | $ 73,162,000 | $ 215,000 | $ 131,000 |
| Carteret County North Carolina | 187 | $ 39,423,000 | $ 210,000 | $ 126,000 |
| Buncombe County North Carolina | 181 | $ 38,657,000 | $ 213,000 | $ 96,000 |
| Mecklenburg County North Carolina | 174 | $ 33,862,000 | $ 194,000 | $ 89,000 |
| New Hanover County North Carolina | 173 | $ 60,438,000 | $ 349,000 | $ 209,000 |
| Cumberland County North Carolina | 171 | $ 24,149,000 | $ 141,000 | $ 114,000 |
| Pitt County North Carolina | 161 | $ 31,958,000 | $ 198,000 | $ 106,000 |
| Henderson County North Carolina | 158 | $ 25,896,000 | $ 163,000 | $ 86,000 |
| Guilford County North Carolina | 134 | $ 17,301,000 | $ 129,000 | $ 79,000 |
| Craven County North Carolina | 130 | $ 26,303,000 | $ 202,000 | $ 102,000 |
| Onslow County North Carolina | 123 | $ 20,299,000 | $ 165,000 | $ 105,000 |
| Johnston County North Carolina | 111 | $ 15,012,000 | $ 135,000 | $ 93,000 |
| Caldwell County North Carolina | 104 | $ 11,963,000 | $ 115,000 | $ 65,000 |
| Forsyth County North Carolina | 104 | $ 13,148,000 | $ 126,000 | $ 105,000 |
| Catawba County North Carolina | 94 | $ 16,384,000 | $ 174,000 | $ 119,000 |
| Union County North Carolina | 89 | $ 15,339,000 | $ 172,000 | $ 98,000 |
| Brunswick County North Carolina | 88 | $ 22,481,000 | $ 255,000 | $ 141,000 |
| Roanoke City County Virginia | 85 | $ 8,406,000 | $ 98,000 | $ 44,000 |
| Burke County North Carolina | 74 | $ 11,062,000 | $ 149,000 | $ 105,000 |
| Pender County North Carolina | 71 | $ 15,144,000 | $ 213,000 | $ 111,000 |
| Sampson County North Carolina | 71 | $ 5,504,000 | $ 77,000 | $ 75,000 |
| Danville County Virginia | 68 | $ 8,244,000 | $ 121,000 | $ 101,000 |
| Mecklenburg County Virginia | 67 | $ 9,253,000 | $ 138,000 | $ 106,000 |
| Greenbrier County West Virginia | 64 | $ 5,268,000 | $ 82,000 | $ 88,000 |
| Harnett County North Carolina | 63 | $ 6,926,000 | $ 109,000 | $ 75,000 |
| Ashe County North Carolina | 61 | $ 11,267,000 | $ 184,000 | $ 86,000 |
| Lenoir County North Carolina | 61 | $ 4,214,000 | $ 69,000 | $ 84,000 |
| Pittsylvania County Virginia | 59 | $ 8,023,000 | $ 135,000 | $ 59,000 |
| Jackson County North Carolina | 55 | $ 13,020,000 | $ 236,000 | $ 159,000 |
| Roanoke County Virginia | 55 | $ 8,708,000 | $ 158,000 | $ 75,000 |
| Franklin County North Carolina | 54 | $ 5,400,000 | $ 100,000 | $ 68,000 |
| Stokes County North Carolina | 54 | $ 4,983,000 | $ 92,000 | $ 74,000 |
| Brunswick County Virginia | 54 | $ 4,137,000 | $ 76,000 | $ 52,000 |
| Watauga County North Carolina | 53 | $ 11,894,000 | $ 224,000 | $ 148,000 |
| Rockingham County North Carolina | 48 | $ 4,041,000 | $ 84,000 | $ 71,000 |
| Wayne County North Carolina | 47 | $ 3,566,000 | $ 75,000 | $ 78,000 |
| Pocahontas County West Virginia | 46 | $ 3,332,000 | $ 72,000 | $ 60,000 |
| Pamlico County North Carolina | 41 | $ 6,259,000 | $ 152,000 | $ 89,000 |
| Transylvania County North Carolina | 40 | $ 8,931,000 | $ 223,000 | $ 130,000 |
| Beaufort County North Carolina | 39 | $ 7,366,000 | $ 188,000 | $ 129,000 |
| Rutherford County North Carolina | 39 | $ 3,326,000 | $ 85,000 | $ 62,000 |
| Bedford County Virginia | 39 | $ 4,908,000 | $ 125,000 | $ 81,000 |
| Durham County North Carolina | 38 | $ 4,784,000 | $ 125,000 | $ 106,000 |
| Swain County North Carolina | 37 | $ 2,613,000 | $ 70,000 | $ 54,000 |
| Halifax County North Carolina | 36 | $ 6,209,000 | $ 172,000 | $ 106,000 |
| Iredell County North Carolina | 36 | $ 5,191,000 | $ 144,000 | $ 56,000 |
| Moore County North Carolina | 36 | $ 9,477,000 | $ 263,000 | $ 161,000 |
| Madison County North Carolina | 35 | $ 4,683,000 | $ 133,000 | $ 53,000 |
| Macon County North Carolina | 34 | $ 8,389,000 | $ 246,000 | $ 139,000 |
| Avery County North Carolina | 32 | $ 3,677,000 | $ 114,000 | $ 69,000 |
| Bladen County North Carolina | 32 | $ 2,286,000 | $ 71,000 | $ 76,000 |
| Haywood County North Carolina | 32 | $ 4,820,000 | $ 150,000 | $ 89,000 |
| Lee County North Carolina | 32 | $ 3,355,000 | $ 104,000 | $ 67,000 |
| Cherokee County North Carolina | 31 | $ 5,196,000 | $ 167,000 | $ 103,000 |
| McDowell County North Carolina | 31 | $ 4,015,000 | $ 129,000 | $ 65,000 |
| Lincoln County North Carolina | 30 | $ 4,003,000 | $ 133,000 | $ 73,000 |
| Albemarle County Virginia | 30 | $ 7,892,000 | $ 263,000 | $ 126,000 |
| Horry County South Carolina | 28 | $ 7,000,000 | $ 250,000 | $ 174,000 |
| Stanly County North Carolina | 27 | $ 3,450,000 | $ 127,000 | $ 107,000 |
| Surry County North Carolina | 27 | $ 3,487,000 | $ 129,000 | $ 74,000 |
| Davidson County Tennessee | 27 | $ 3,890,000 | $ 144,000 | $ 156,000 |
| Alleghany County North Carolina | 26 | $ 3,586,000 | $ 137,000 | $ 105,000 |
| Columbus County North Carolina | 26 | $ 1,733,000 | $ 66,000 | $ 69,000 |
| Pasquotank County North Carolina | 26 | $ 6,067,000 | $ 233,000 | $ 144,000 |
| Wilkes County North Carolina | 26 | $ 4,300,000 | $ 165,000 | $ 93,000 |
| Botetourt County Virginia | 24 | $ 4,241,000 | $ 176,000 | $ 104,000 |
| Montgomery County Virginia | 24 | $ 2,376,000 | $ 99,000 | $ 879,000 |
| Rockingham County Virginia | 24 | $ 3,725,000 | $ 155,000 | $ 68,000 |
| Chatham County North Carolina | 22 | $ 5,123,000 | $ 232,000 | $ 92,000 |
| Duplin County North Carolina | 21 | $ 1,139,000 | $ 54,000 | $ 55,000 |
| Alleghany County Virginia | 21 | $ 1,214,000 | $ 57,000 | $ 44,000 |
| Orange County North Carolina | 20 | $ 6,361,000 | $ 318,000 | $ 187,000 |
| Warren County North Carolina | 20 | $ 4,088,000 | $ 204,000 | $ 109,000 |
| Augusta County Virginia | 20 | $ 3,430,000 | $ 171,000 | $ 88,000 |
| Cabarrus County North Carolina | 19 | $ 3,274,000 | $ 172,000 | $ 66,000 |
| Clay County North Carolina | 19 | $ 2,810,000 | $ 147,000 | $ 95,000 |
| Randolph County North Carolina | 19 | $ 2,916,000 | $ 153,000 | $ 86,000 |
| Franklin County Virginia | 19 | $ 5,561,000 | $ 292,000 | $ 370,000 |
| Northampton County North Carolina | 18 | $ 1,615,000 | $ 89,000 | $ 165,000 |
| Wilson County North Carolina | 18 | $ 2,248,000 | $ 124,000 | $ 93,000 |
| Davidson County North Carolina | 17 | $ 2,008,000 | $ 118,000 | $ 67,000 |
| Graham County North Carolina | 17 | $ 1,360,000 | $ 80,000 | $ 65,000 |
| Greene County North Carolina | 16 | $ 1,467,000 | $ 91,000 | $ 68,000 |
| Lunenburg County Virginia | 16 | $ 1,650,000 | $ 103,000 | $ 74,000 |
| Nottoway County Virginia | 16 | $ 1,275,000 | $ 79,000 | $ 54,000 |
| Anne Arundel County Maryland | 15 | $ 3,672,000 | $ 244,000 | $ 130,000 |
| Alexander County North Carolina | 15 | $ 1,214,000 | $ 80,000 | $ 80,000 |
| Lynchburg County Virginia | 15 | $ 1,399,000 | $ 93,000 | $ 73,000 |
| Martin County North Carolina | 14 | $ 1,005,000 | $ 71,000 | $ 53,000 |
| Nash County North Carolina | 14 | $ 935,000 | $ 66,000 | $ 50,000 |
| Salem County Virginia | 14 | $ 1,897,000 | $ 135,000 | $ 106,000 |
| Polk County North Carolina | 13 | $ 2,584,000 | $ 198,000 | $ 81,000 |
| Staunton County Virginia | 13 | $ 1,283,000 | $ 98,000 | $ 50,000 |
| Pulaski County Virginia | 12 | $ 711,000 | $ 59,000 | $ 53,000 |
| Yadkin County North Carolina | 11 | $ 583,000 | $ 53,000 | $ 67,000 |
| Charlotte County Virginia | 11 | $ 1,038,000 | $ 94,000 | $ 61,000 |
| Grayson County Virginia | 11 | $ 1,524,000 | $ 138,000 | $ 68,000 |
| Harrisonburg County Virginia | 11 | $ 1,973,000 | $ 179,000 | $ 71,000 |
| Robeson County North Carolina | 10 | $ 1,774,000 | $ 177,000 | $ 81,000 |
| Charleston County South Carolina | 10 | $ 5,562,000 | $ 556,000 | $ 270,000 |
| Spotsylvania County Virginia | 10 | $ 2,887,000 | $ 288,000 | $ 147,000 |
| Gaston County North Carolina | 9 | $ 745,000 | $ 82,000 | $ 83,000 |
| Spartanburg County South Carolina | 9 | $ 844,000 | $ 93,000 | $ 69,000 |
| York County South Carolina | 9 | $ 1,481,000 | $ 164,000 | $ 69,000 |
| Carroll County Virginia | 9 | $ 417,000 | $ 46,000 | $ 56,000 |
| Frederick County Virginia | 9 | $ 5,637,000 | $ 626,000 | $ 233,000 |
| Henrico County Virginia | 9 | $ 2,483,000 | $ 275,000 | $ 123,000 |
| Caswell County North Carolina | 8 | $ 1,039,000 | $ 129,000 | $ 73,000 |
| Gates County North Carolina | 8 | $ 532,000 | $ 66,000 | $ 49,000 |
| Jones County North Carolina | 8 | $ 1,226,000 | $ 153,000 | $ 130,000 |
| Charlottesville County Virginia | 8 | $ 1,599,000 | $ 199,000 | $ 126,000 |
| Vance County North Carolina | 7 | $ 516,000 | $ 73,000 | $ 86,000 |
| Yancey County North Carolina | 7 | $ 552,000 | $ 78,000 | $ 38,000 |
| Granville County North Carolina | 6 | $ 570,000 | $ 95,000 | $ 56,000 |
| Hoke County North Carolina | 6 | $ 445,000 | $ 74,000 | $ 61,000 |
| Travis County Texas | 6 | $ 3,612,000 | $ 602,000 | $ 370,000 |
| Campbell County Virginia | 6 | $ 826,000 | $ 137,000 | $ 36,000 |
| Greensville County Virginia | 6 | $ 336,000 | $ 56,000 | $ 173,000 |
| Chowan County North Carolina | 5 | $ 404,000 | $ 80,000 | $ 38,000 |
| Davie County North Carolina | 5 | $ 812,000 | $ 162,000 | $ 85,000 |
| Alamance County North Carolina | 4 | $ 311,000 | $ 77,000 | $ 192,000 |
| Anson County North Carolina | 4 | $ 461,000 | $ 115,000 | $ 50,000 |
| Cleveland County North Carolina | 4 | $ 159,000 | $ 39,000 | $ 32,000 |
| Dare County North Carolina | 4 | $ 4,204,000 | $ 1,051,000 | $ 749,000 |
| Rowan County North Carolina | 4 | $ 1,291,000 | $ 322,000 | $ 227,000 |
| Anderson County South Carolina | 4 | $ 342,000 | $ 85,000 | $ 138,000 |
| Bedford City County Virginia | 4 | $ 484,000 | $ 121,000 | $ 53,000 |
| Chesterfield County Virginia | 4 | $ 776,000 | $ 194,000 | $ 123,000 |
| Greene County Virginia | 4 | $ 567,000 | $ 141,000 | $ 74,000 |
| Halifax County Virginia | 4 | $ 508,000 | $ 127,000 | $ 73,000 |
| Hanover County Virginia | 4 | $ 974,000 | $ 243,000 | $ 223,000 |
| Patrick County Virginia | 4 | $ 576,000 | $ 144,000 | $ 266,000 |
| Warren County Virginia | 4 | $ 583,000 | $ 145,000 | $ 59,000 |
| Waynesboro County Virginia | 4 | $ 461,000 | $ 115,000 | $ 50,000 |
| Monroe County West Virginia | 4 | $ 250,000 | $ 62,000 | $ 77,000 |
| Perquimans County North Carolina | 3 | $ 341,000 | $ 113,000 | $ 159,000 |
| Person County North Carolina | 3 | $ 808,000 | $ 269,000 | $ 223,000 |
| Beaufort County South Carolina | 3 | $ 1,068,000 | $ 356,000 | $ 230,000 |
| Johnson County Tennessee | 3 | $ 1,437,000 | $ 479,000 | $ 441,000 |
| Chesapeake County Virginia | 3 | $ 400,000 | $ 133,000 | $ 178,000 |
| Emporia County Virginia | 3 | $ 232,000 | $ 77,000 | $ 74,000 |
| Floyd County Virginia | 3 | $ 285,000 | $ 95,000 | $ 78,000 |
| Fluvanna County Virginia | 3 | $ 382,000 | $ 127,000 | $ 75,000 |
| Page County Virginia | 3 | $ 218,000 | $ 72,000 | $ 160,000 |
| Richmond City County Virginia | 3 | $ 360,000 | $ 120,000 | $ 207,000 |
| Stafford County Virginia | 3 | $ 1,793,000 | $ 597,000 | $ 279,000 |
| Randolph County West Virginia | 3 | $ 201,000 | $ 67,000 | $ 55,000 |
| Greene County Georgia | 2 | $ 2,850,000 | $ 1,425,000 | $ 1,172,000 |
| Camden County North Carolina | 2 | $ 177,000 | $ 88,000 | $ 77,000 |
| Edgecombe County North Carolina | 2 | $ 242,000 | $ 121,000 | $ 54,000 |
| Hertford County North Carolina | 2 | $ 279,000 | $ 139,000 | $ 38,000 |
| Lexington County South Carolina | 2 | $ 386,000 | $ 193,000 | $ 101,000 |
| Oconee County South Carolina | 2 | $ 294,000 | $ 147,000 | $ 94,000 |
| Carter County Tennessee | 2 | $ 133,000 | $ 66,000 | $ 44,000 |
| Unicoi County Tennessee | 2 | $ 166,000 | $ 83,000 | $ 42,000 |
| Williamson County Tennessee | 2 | $ 400,000 | $ 200,000 | $ 367,000 |
| Amelia County Virginia | 2 | $ 140,000 | $ 70,000 | $ 101,000 |
| Amherst County Virginia | 2 | $ 185,000 | $ 92,000 | $ 52,000 |
| Bath County Virginia | 2 | $ 240,000 | $ 120,000 | $ 31,000 |
| Covington County Virginia | 2 | $ 116,000 | $ 58,000 | $ 48,000 |
| Craig County Virginia | 2 | $ 52,000 | $ 26,000 | $ 62,000 |
| Fairfax County Virginia | 2 | $ 866,000 | $ 433,000 | $ 115,000 |
| Fredericksburg County Virginia | 2 | $ 617,000 | $ 308,000 | $ 242,000 |
| Galax County Virginia | 2 | $ 73,000 | $ 36,000 | $ 25,000 |
| Henry County Virginia | 2 | $ 106,000 | $ 53,000 | $ 50,000 |
| Loudoun County Virginia | 2 | $ 339,000 | $ 169,000 | $ 119,000 |
| Nelson County Virginia | 2 | $ 342,000 | $ 171,000 | $ 138,000 |
| Powhatan County Virginia | 2 | $ 2,130,000 | $ 1,065,000 | $ 416,000 |
| Shenandoah County Virginia | 2 | $ 502,000 | $ 251,000 | $ 84,000 |
| Virginia Beach County Virginia | 2 | $ 832,000 | $ 416,000 | $ 362,000 |
| Winchester County Virginia | 2 | $ 256,000 | $ 128,000 | $ 53,000 |
| Wythe County Virginia | 2 | $ 254,000 | $ 127,000 | $ 78,000 |
| Kanawha County West Virginia | 2 | $ 734,000 | $ 367,000 | $ 131,000 |
| Raleigh County West Virginia | 2 | $ 152,000 | $ 76,000 | $ 49,000 |
| Summers County West Virginia | 2 | $ 245,000 | $ 122,000 | $ 16,000 |
| La Plata County Colorado | 1 | $ 369,000 | $ 369,000 | $ 1,167,000 |
| Collier County Florida | 1 | $ 1,428,000 | $ 1,428,000 | $ 471,000 |
| Palm Beach County Florida | 1 | $ 148,000 | $ 148,000 | $ 120,000 |
| Walton County Florida | 1 | $ 2,442,000 | $ 2,442,000 | $ 1,224,000 |
| Carroll County Georgia | 1 | $ 216,000 | $ 216,000 | $ 75,000 |
| Coweta County Georgia | 1 | $ 157,000 | $ 157,000 | $ 67,000 |
| Floyd County Georgia | 1 | $ 72,000 | $ 72,000 | $ 126,000 |
| Fulton County Georgia | 1 | $ 392,000 | $ 392,000 | $ 304,000 |
| Gwinnett County Georgia | 1 | $ 505,000 | $ 505,000 | $ 195,000 |
| Frederick County Maryland | 1 | $ 264,000 | $ 264,000 | $ 76,000 |
| Prince George's County Maryland | 1 | $ 125,000 | $ 125,000 | $ 117,000 |
| Bertie County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 49,000 |
| Currituck County North Carolina | 1 | $ 42,000 | $ 42,000 | $ 33,000 |
| Montgomery County North Carolina | 1 | $ 180,000 | $ 180,000 | $ 53,000 |
| Scotland County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| York County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 77,000 |
| Abbeville County South Carolina | 1 | $ 72,000 | $ 72,000 | $ 20,000 |
| Chesterfield County South Carolina | 1 | $ 175,000 | $ 175,000 | $ 69,000 |
| Colleton County South Carolina | 1 | $ 256,000 | $ 256,000 | $ 287,000 |
| Georgetown County South Carolina | 1 | $ 160,000 | $ 160,000 | $ 300,000 |
| Lancaster County South Carolina | 1 | $ 110,000 | $ 110,000 | $ 39,000 |
| Laurens County South Carolina | 1 | $ 232,000 | $ 232,000 | $ 110,000 |
| Saluda County South Carolina | 1 | $ 196,000 | $ 196,000 | $ 270,000 |
| Williamsburg County South Carolina | 1 | $ 100,000 | $ 100,000 | $ 35,000 |
| Blount County Tennessee | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Carroll County Tennessee | 1 | $ 10,000 | $ 10,000 | $ 70,000 |
| Jefferson County Tennessee | 1 | $ 152,000 | $ 152,000 | $ 103,000 |
| Sevier County Tennessee | 1 | $ 214,000 | $ 214,000 | $ 62,000 |
| Sumner County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 35,000 |
| Warren County Tennessee | 1 | $ 184,000 | $ 184,000 | $ 58,000 |
| Washington County Tennessee | 1 | $ 44,000 | $ 44,000 | $ 24,000 |
| Arlington County Virginia | 1 | $ 364,000 | $ 364,000 | $ 117,000 |
| Buckingham County Virginia | 1 | $ 118,000 | $ 118,000 | $ 170,000 |
| Colonial Heights County Virginia | 1 | $ 168,000 | $ 168,000 | $ 48,000 |
| Cumberland County Virginia | 1 | $ 98,000 | $ 98,000 | $ 37,000 |
| Giles County Virginia | 1 | $ 61,000 | $ 61,000 | $ 25,000 |
| Middlesex County Virginia | 1 | $ 443,000 | $ 443,000 | $ 250,000 |
| Norfolk County Virginia | 1 | $ 180,000 | $ 180,000 | $ 154,000 |
| Orange County Virginia | 1 | $ 217,000 | $ 217,000 | $ 216,000 |
| Petersburg County Virginia | 1 | $ 117,000 | $ 117,000 | $ 39,000 |
| Prince Edward County Virginia | 1 | $ 114,000 | $ 114,000 | $ 37,000 |
| Radford County Virginia | 1 | $ 83,000 | $ 83,000 | $ 35,000 |
| Sussex County Virginia | 1 | $ 159,000 | $ 159,000 | $ 71,000 |
| Wyoming County 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.
For a list of all lenders in North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.