First-Citizens Bank & Trust Co
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
First-Citizens Bank & Trust Co 2007 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 | 5,007 |
| Total Mortgage Loan Application Amount | $1,019,541,000 |
| Average Mortgage Loan Application Amount | $170,000 |
| Highest Mortgage Loan Application Amount | $85,000,000 |
| Average Applicant Income | $100,000 |
| Highest Applicant Income | $1,924,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 329 | $ 82,194,000 | $ 249,000 | $ 133,000 |
| Buncombe County North Carolina | 190 | $ 43,723,000 | $ 230,000 | $ 106,000 |
| Carteret County North Carolina | 184 | $ 44,102,000 | $ 239,000 | $ 115,000 |
| New Hanover County North Carolina | 149 | $ 53,202,000 | $ 357,000 | $ 202,000 |
| Pitt County North Carolina | 145 | $ 30,809,000 | $ 212,000 | $ 134,000 |
| Mecklenburg County North Carolina | 137 | $ 36,380,000 | $ 265,000 | $ 118,000 |
| Cumberland County North Carolina | 133 | $ 20,718,000 | $ 155,000 | $ 126,000 |
| Henderson County North Carolina | 131 | $ 28,089,000 | $ 214,000 | $ 95,000 |
| Johnston County North Carolina | 124 | $ 16,136,000 | $ 130,000 | $ 88,000 |
| Burke County North Carolina | 115 | $ 14,038,000 | $ 122,000 | $ 75,000 |
| Onslow County North Carolina | 106 | $ 16,037,000 | $ 151,000 | $ 112,000 |
| Forsyth County North Carolina | 96 | $ 21,426,000 | $ 223,000 | $ 156,000 |
| Guilford County North Carolina | 94 | $ 17,994,000 | $ 191,000 | $ 127,000 |
| Caldwell County North Carolina | 92 | $ 9,469,000 | $ 102,000 | $ 66,000 |
| Union County North Carolina | 86 | $ 14,103,000 | $ 163,000 | $ 70,000 |
| Craven County North Carolina | 82 | $ 15,892,000 | $ 193,000 | $ 132,000 |
| Catawba County North Carolina | 78 | $ 11,063,000 | $ 141,000 | $ 89,000 |
| Pittsylvania County Virginia | 78 | $ 10,535,000 | $ 135,000 | $ 70,000 |
| Brunswick County North Carolina | 70 | $ 22,107,000 | $ 315,000 | $ 179,000 |
| Harnett County North Carolina | 61 | $ 90,608,000 | $ 1,485,000 | $ 75,000 |
| Rockingham County North Carolina | 61 | $ 6,397,000 | $ 104,000 | $ 86,000 |
| Sampson County North Carolina | 61 | $ 5,393,000 | $ 88,000 | $ 82,000 |
| Roanoke County Virginia | 61 | $ 11,065,000 | $ 181,000 | $ 93,000 |
| Jackson County North Carolina | 55 | $ 14,320,000 | $ 260,000 | $ 152,000 |
| Haywood County North Carolina | 52 | $ 9,556,000 | $ 183,000 | $ 100,000 |
| Roanoke City County Virginia | 51 | $ 6,419,000 | $ 125,000 | $ 66,000 |
| Rutherford County North Carolina | 50 | $ 5,956,000 | $ 119,000 | $ 77,000 |
| Greenbrier County West Virginia | 50 | $ 6,928,000 | $ 138,000 | $ 102,000 |
| Pamlico County North Carolina | 45 | $ 8,104,000 | $ 180,000 | $ 111,000 |
| Brunswick County Virginia | 45 | $ 5,336,000 | $ 118,000 | $ 82,000 |
| Danville County Virginia | 45 | $ 5,360,000 | $ 119,000 | $ 69,000 |
| Mecklenburg County Virginia | 45 | $ 6,637,000 | $ 147,000 | $ 70,000 |
| Watauga County North Carolina | 44 | $ 12,811,000 | $ 291,000 | $ 149,000 |
| Transylvania County North Carolina | 42 | $ 10,290,000 | $ 245,000 | $ 116,000 |
| Bedford County Virginia | 42 | $ 7,535,000 | $ 179,000 | $ 86,000 |
| Ashe County North Carolina | 41 | $ 6,192,000 | $ 151,000 | $ 77,000 |
| Franklin County North Carolina | 41 | $ 4,540,000 | $ 110,000 | $ 64,000 |
| Pender County North Carolina | 41 | $ 6,649,000 | $ 162,000 | $ 93,000 |
| Wayne County North Carolina | 39 | $ 3,510,000 | $ 90,000 | $ 103,000 |
| Lenoir County North Carolina | 38 | $ 3,641,000 | $ 95,000 | $ 87,000 |
| Pocahontas County West Virginia | 38 | $ 3,159,000 | $ 83,000 | $ 56,000 |
| Bladen County North Carolina | 37 | $ 2,796,000 | $ 75,000 | $ 106,000 |
| Durham County North Carolina | 37 | $ 6,706,000 | $ 181,000 | $ 114,000 |
| Lee County North Carolina | 36 | $ 5,755,000 | $ 159,000 | $ 89,000 |
| Stokes County North Carolina | 36 | $ 3,594,000 | $ 99,000 | $ 60,000 |
| Iredell County North Carolina | 33 | $ 6,443,000 | $ 195,000 | $ 109,000 |
| Macon County North Carolina | 33 | $ 8,587,000 | $ 260,000 | $ 146,000 |
| Montgomery County Virginia | 31 | $ 4,775,000 | $ 154,000 | $ 81,000 |
| Cherokee County North Carolina | 30 | $ 4,292,000 | $ 143,000 | $ 90,000 |
| Halifax County North Carolina | 30 | $ 5,535,000 | $ 184,000 | $ 122,000 |
| Beaufort County North Carolina | 28 | $ 4,897,000 | $ 174,000 | $ 95,000 |
| Surry County North Carolina | 28 | $ 4,687,000 | $ 167,000 | $ 153,000 |
| Alexander County North Carolina | 27 | $ 3,526,000 | $ 130,000 | $ 64,000 |
| Moore County North Carolina | 27 | $ 7,881,000 | $ 291,000 | $ 124,000 |
| Stanly County North Carolina | 27 | $ 3,088,000 | $ 114,000 | $ 62,000 |
| Madison County North Carolina | 26 | $ 3,285,000 | $ 126,000 | $ 64,000 |
| Avery County North Carolina | 24 | $ 3,119,000 | $ 129,000 | $ 126,000 |
| Chatham County North Carolina | 24 | $ 7,814,000 | $ 325,000 | $ 286,000 |
| Albemarle County Virginia | 24 | $ 5,199,000 | $ 216,000 | $ 126,000 |
| Rockingham County Virginia | 23 | $ 3,278,000 | $ 142,000 | $ 75,000 |
| Cabarrus County North Carolina | 22 | $ 4,202,000 | $ 191,000 | $ 107,000 |
| Horry County South Carolina | 22 | $ 6,958,000 | $ 316,000 | $ 189,000 |
| Alleghany County Virginia | 22 | $ 1,169,000 | $ 53,000 | $ 52,000 |
| Anne Arundel County Maryland | 21 | $ 5,134,000 | $ 244,000 | $ 120,000 |
| Alleghany County North Carolina | 21 | $ 2,971,000 | $ 141,000 | $ 103,000 |
| Randolph County North Carolina | 21 | $ 2,636,000 | $ 125,000 | $ 72,000 |
| Lincoln County North Carolina | 20 | $ 3,665,000 | $ 183,000 | $ 77,000 |
| Davidson County Tennessee | 20 | $ 5,678,000 | $ 283,000 | $ 160,000 |
| Duplin County North Carolina | 19 | $ 1,523,000 | $ 80,000 | $ 50,000 |
| Orange County North Carolina | 19 | $ 5,097,000 | $ 268,000 | $ 155,000 |
| Warren County North Carolina | 19 | $ 1,359,000 | $ 71,000 | $ 40,000 |
| Wilkes County North Carolina | 19 | $ 3,535,000 | $ 186,000 | $ 96,000 |
| Wilson County North Carolina | 19 | $ 2,532,000 | $ 133,000 | $ 97,000 |
| Columbus County North Carolina | 18 | $ 1,534,000 | $ 85,000 | $ 99,000 |
| Graham County North Carolina | 18 | $ 1,933,000 | $ 107,000 | $ 54,000 |
| Swain County North Carolina | 17 | $ 1,596,000 | $ 93,000 | $ 47,000 |
| Franklin County Virginia | 17 | $ 3,133,000 | $ 184,000 | $ 106,000 |
| Davidson County North Carolina | 16 | $ 4,375,000 | $ 273,000 | $ 88,000 |
| Carroll County Virginia | 16 | $ 1,566,000 | $ 97,000 | $ 68,000 |
| Vance County North Carolina | 13 | $ 1,380,000 | $ 106,000 | $ 61,000 |
| Henrico County Virginia | 13 | $ 2,299,000 | $ 176,000 | $ 89,000 |
| McDowell County North Carolina | 12 | $ 2,801,000 | $ 233,000 | $ 78,000 |
| Augusta County Virginia | 12 | $ 1,490,000 | $ 124,000 | $ 75,000 |
| Botetourt County Virginia | 12 | $ 2,406,000 | $ 200,000 | $ 122,000 |
| Martin County North Carolina | 11 | $ 1,210,000 | $ 110,000 | $ 70,000 |
| Pasquotank County North Carolina | 11 | $ 1,421,000 | $ 129,000 | $ 80,000 |
| Yadkin County North Carolina | 11 | $ 1,030,000 | $ 93,000 | $ 64,000 |
| Knox County Tennessee | 11 | $ 3,561,000 | $ 323,000 | $ 211,000 |
| Grayson County Virginia | 11 | $ 790,000 | $ 71,000 | $ 52,000 |
| Jones County North Carolina | 10 | $ 797,000 | $ 79,000 | $ 35,000 |
| York County South Carolina | 10 | $ 2,535,000 | $ 253,000 | $ 209,000 |
| Charlotte County Virginia | 10 | $ 1,015,000 | $ 101,000 | $ 50,000 |
| Floyd County Virginia | 10 | $ 829,000 | $ 82,000 | $ 52,000 |
| Galax County Virginia | 10 | $ 856,000 | $ 85,000 | $ 60,000 |
| Richmond City County Virginia | 10 | $ 2,311,000 | $ 231,000 | $ 242,000 |
| Clay County North Carolina | 9 | $ 917,000 | $ 101,000 | $ 53,000 |
| Greene County North Carolina | 9 | $ 1,208,000 | $ 134,000 | $ 76,000 |
| Lynchburg County Virginia | 9 | $ 1,590,000 | $ 176,000 | $ 90,000 |
| Salem County Virginia | 9 | $ 2,372,000 | $ 263,000 | $ 85,000 |
| Staunton County Virginia | 9 | $ 928,000 | $ 103,000 | $ 53,000 |
| Anson County North Carolina | 8 | $ 1,033,000 | $ 129,000 | $ 108,000 |
| Gaston County North Carolina | 8 | $ 867,000 | $ 108,000 | $ 133,000 |
| Harrisonburg County Virginia | 8 | $ 1,416,000 | $ 177,000 | $ 90,000 |
| Lunenburg County Virginia | 8 | $ 1,079,000 | $ 134,000 | $ 68,000 |
| Davie County North Carolina | 7 | $ 1,613,000 | $ 230,000 | $ 138,000 |
| Nash County North Carolina | 7 | $ 926,000 | $ 132,000 | $ 87,000 |
| Robeson County North Carolina | 7 | $ 804,000 | $ 114,000 | $ 154,000 |
| Greensville County Virginia | 7 | $ 526,000 | $ 75,000 | $ 31,000 |
| Pulaski County Virginia | 7 | $ 1,199,000 | $ 171,000 | $ 103,000 |
| Fulton County Georgia | 6 | $ 3,133,000 | $ 522,000 | $ 288,000 |
| Caswell County North Carolina | 6 | $ 673,000 | $ 112,000 | $ 85,000 |
| Polk County North Carolina | 6 | $ 856,000 | $ 142,000 | $ 46,000 |
| Williamson County Tennessee | 6 | $ 2,410,000 | $ 401,000 | $ 249,000 |
| Nottoway County Virginia | 6 | $ 795,000 | $ 132,000 | $ 96,000 |
| Dare County North Carolina | 5 | $ 3,660,000 | $ 732,000 | $ 413,000 |
| Northampton County North Carolina | 5 | $ 275,000 | $ 55,000 | $ 52,000 |
| Yancey County North Carolina | 5 | $ 1,757,000 | $ 351,000 | $ 157,000 |
| Lancaster County South Carolina | 5 | $ 1,106,000 | $ 221,000 | $ 48,000 |
| Charlottesville County Virginia | 5 | $ 1,415,000 | $ 283,000 | $ 127,000 |
| Chesterfield County Virginia | 5 | $ 981,000 | $ 196,000 | $ 205,000 |
| Fairfax County Virginia | 5 | $ 1,559,000 | $ 311,000 | $ 268,000 |
| Spotsylvania County Virginia | 5 | $ 983,000 | $ 196,000 | $ 108,000 |
| Howard County Maryland | 4 | $ 727,000 | $ 181,000 | $ 95,000 |
| Alamance County North Carolina | 4 | $ 535,000 | $ 133,000 | $ 67,000 |
| Gates County North Carolina | 4 | $ 261,000 | $ 65,000 | $ 46,000 |
| Hoke County North Carolina | 4 | $ 712,000 | $ 178,000 | $ 132,000 |
| Montgomery County North Carolina | 4 | $ 1,124,000 | $ 281,000 | $ 122,000 |
| Greenville County South Carolina | 4 | $ 827,000 | $ 206,000 | $ 222,000 |
| Spartanburg County South Carolina | 4 | $ 519,000 | $ 129,000 | $ 88,000 |
| Blount County Tennessee | 4 | $ 1,484,000 | $ 371,000 | $ 98,000 |
| Johnson County Tennessee | 4 | $ 904,000 | $ 226,000 | $ 84,000 |
| Appomattox County Virginia | 4 | $ 750,000 | $ 187,000 | $ 65,000 |
| Campbell County Virginia | 4 | $ 341,000 | $ 85,000 | $ 73,000 |
| Greene County Virginia | 4 | $ 589,000 | $ 147,000 | $ 193,000 |
| Hanover County Virginia | 4 | $ 1,788,000 | $ 447,000 | $ 183,000 |
| Nelson County Virginia | 4 | $ 1,166,000 | $ 291,000 | $ 351,000 |
| Warren County Virginia | 4 | $ 923,000 | $ 230,000 | $ 52,000 |
| Chowan County North Carolina | 3 | $ 641,000 | $ 213,000 | $ 89,000 |
| Edgecombe County North Carolina | 3 | $ 619,000 | $ 206,000 | $ 119,000 |
| Hertford County North Carolina | 3 | $ 69,000 | $ 23,000 | $ 54,000 |
| Perquimans County North Carolina | 3 | $ 313,000 | $ 104,000 | $ 28,000 |
| Rowan County North Carolina | 3 | $ 262,000 | $ 87,000 | $ 69,000 |
| Beaufort County South Carolina | 3 | $ 1,422,000 | $ 474,000 | $ 155,000 |
| Colleton County South Carolina | 3 | $ 990,000 | $ 330,000 | $ 261,000 |
| Hamilton County Tennessee | 3 | $ 506,000 | $ 168,000 | $ 82,000 |
| Wilson County Tennessee | 3 | $ 895,000 | $ 298,000 | $ 96,000 |
| Emporia County Virginia | 3 | $ 276,000 | $ 92,000 | $ 65,000 |
| Frederick County Virginia | 3 | $ 686,000 | $ 228,000 | $ 26,000 |
| Radford County Virginia | 3 | $ 281,000 | $ 93,000 | $ 48,000 |
| Winchester County Virginia | 3 | $ 656,000 | $ 218,000 | $ 114,000 |
| Jefferson County West Virginia | 3 | $ 431,000 | $ 143,000 | $ 86,000 |
| Monroe County West Virginia | 3 | $ 292,000 | $ 97,000 | $ 75,000 |
| Holmes County Florida | 2 | $ 1,197,000 | $ 598,000 | $ 416,000 |
| Osceola County Florida | 2 | $ 203,000 | $ 101,000 | $ 41,000 |
| Palm Beach County Florida | 2 | $ 401,000 | $ 200,000 | $ 65,000 |
| Union County Georgia | 2 | $ 279,000 | $ 139,000 | $ 47,000 |
| Camden County North Carolina | 2 | $ 424,000 | $ 212,000 | $ 47,000 |
| Cleveland County North Carolina | 2 | $ 454,000 | $ 227,000 | $ 209,000 |
| Currituck County North Carolina | 2 | $ 1,420,000 | $ 710,000 | $ 346,000 |
| Mitchell County North Carolina | 2 | $ 290,000 | $ 145,000 | $ 136,000 |
| Aiken County South Carolina | 2 | $ 416,000 | $ 208,000 | $ 120,000 |
| Anderson County South Carolina | 2 | $ 118,000 | $ 59,000 | $ 82,000 |
| Berkeley County South Carolina | 2 | $ 295,000 | $ 147,000 | $ 64,000 |
| Charleston County South Carolina | 2 | $ 1,641,000 | $ 820,000 | $ 207,000 |
| Oconee County South Carolina | 2 | $ 725,000 | $ 362,000 | $ 368,000 |
| Pickens County South Carolina | 2 | $ 743,000 | $ 371,000 | $ 378,000 |
| Carter County Tennessee | 2 | $ 150,000 | $ 75,000 | $ 124,000 |
| Loudon County Tennessee | 2 | $ 460,000 | $ 230,000 | $ 130,000 |
| Dallas County Texas | 2 | $ 700,000 | $ 350,000 | $ 398,000 |
| Travis County Texas | 2 | $ 1,142,000 | $ 571,000 | $ 294,000 |
| Caroline County Virginia | 2 | $ 398,000 | $ 199,000 | $ 458,000 |
| Halifax County Virginia | 2 | $ 278,000 | $ 139,000 | $ 51,000 |
| James City County Virginia | 2 | $ 470,000 | $ 235,000 | $ 111,000 |
| Louisa County Virginia | 2 | $ 260,000 | $ 130,000 | $ 80,000 |
| Prince Edward County Virginia | 2 | $ 160,000 | $ 80,000 | $ 51,000 |
| Rockbridge County Virginia | 2 | $ 591,000 | $ 295,000 | $ 140,000 |
| Sussex County Virginia | 2 | $ 98,000 | $ 49,000 | $ 36,000 |
| Waynesboro County Virginia | 2 | $ 437,000 | $ 218,000 | $ 63,000 |
| Berkeley County West Virginia | 2 | $ 78,000 | $ 39,000 | $ 66,000 |
| Putnam County West Virginia | 2 | $ 89,000 | $ 44,000 | $ 120,000 |
| Arapahoe County Colorado | 1 | $ 417,000 | $ 417,000 | $ 106,000 |
| Brevard County Florida | 1 | $ 220,000 | $ 220,000 | $ 91,000 |
| Collier County Florida | 1 | $ 417,000 | $ 417,000 | $ 372,000 |
| Nassau County Florida | 1 | $ 364,000 | $ 364,000 | $ 227,000 |
| Pasco County Florida | 1 | $ 84,000 | $ 84,000 | $ 83,000 |
| Sarasota County Florida | 1 | $ 120,000 | $ 120,000 | $ 40,000 |
| St. Johns County Florida | 1 | $ 351,000 | $ 351,000 | $ 466,000 |
| Bartow County Georgia | 1 | $ 175,000 | $ 175,000 | $ 114,000 |
| Cobb County Georgia | 1 | $ 150,000 | $ 150,000 | $ 57,000 |
| Whitfield County Georgia | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Baltimore County Maryland | 1 | $ 814,000 | $ 814,000 | $ 421,000 |
| Montgomery County Maryland | 1 | $ 67,000 | $ 67,000 | $ 168,000 |
| Bernalillo County New Mexico | 1 | $ 234,000 | $ 234,000 | $ 42,000 |
| Bertie County North Carolina | 1 | $ 386,000 | $ 386,000 | $ 98,000 |
| Granville County North Carolina | 1 | $ 360,000 | $ 360,000 | $ 97,000 |
| Person County North Carolina | 1 | $ 158,000 | $ 158,000 | $ 29,000 |
| Chesterfield County South Carolina | 1 | $ 129,000 | $ 129,000 | $ 32,000 |
| Dillon County South Carolina | 1 | $ 13,000 | $ 13,000 | $ 78,000 |
| Fairfield County South Carolina | 1 | $ 88,000 | $ 88,000 | $ 55,000 |
| Florence County South Carolina | 1 | $ 200,000 | $ 200,000 | $ 65,000 |
| Georgetown County South Carolina | 1 | $ 200,000 | $ 200,000 | $ 240,000 |
| Anderson County Tennessee | 1 | $ 775,000 | $ 775,000 | $ 0 |
| Cocke County Tennessee | 1 | $ 118,000 | $ 118,000 | $ 37,000 |
| Cumberland County Tennessee | 1 | $ 380,000 | $ 380,000 | $ 190,000 |
| Greene County Tennessee | 1 | $ 112,000 | $ 112,000 | $ 31,000 |
| Jefferson County Tennessee | 1 | $ 41,000 | $ 41,000 | $ 72,000 |
| Montgomery County Tennessee | 1 | $ 73,000 | $ 73,000 | $ 35,000 |
| Washington County Tennessee | 1 | $ 102,000 | $ 102,000 | $ 251,000 |
| Bastrop County Texas | 1 | $ 148,000 | $ 148,000 | $ 57,000 |
| Harris County Texas | 1 | $ 213,000 | $ 213,000 | $ 85,000 |
| Arlington County Virginia | 1 | $ 228,000 | $ 228,000 | $ 528,000 |
| Bath County Virginia | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Buckingham County Virginia | 1 | $ 180,000 | $ 180,000 | $ 75,000 |
| Chesapeake County Virginia | 1 | $ 150,000 | $ 150,000 | $ 228,000 |
| Covington County Virginia | 1 | $ 37,000 | $ 37,000 | $ 69,000 |
| Craig County Virginia | 1 | $ 165,000 | $ 165,000 | $ 39,000 |
| Cumberland County Virginia | 1 | $ 47,000 | $ 47,000 | $ 20,000 |
| Fauquier County Virginia | 1 | $ 500,000 | $ 500,000 | $ 100,000 |
| Fluvanna County Virginia | 1 | $ 176,000 | $ 176,000 | $ 48,000 |
| Fredericksburg County Virginia | 1 | $ 371,000 | $ 371,000 | $ 389,000 |
| Giles County Virginia | 1 | $ 33,000 | $ 33,000 | $ 25,000 |
| Goochland County Virginia | 1 | $ 670,000 | $ 670,000 | $ 125,000 |
| Highland County Virginia | 1 | $ 51,000 | $ 51,000 | $ 36,000 |
| Loudoun County Virginia | 1 | $ 165,000 | $ 165,000 | $ 51,000 |
| Norfolk County Virginia | 1 | $ 169,000 | $ 169,000 | $ 157,000 |
| Page County Virginia | 1 | $ 173,000 | $ 173,000 | $ 57,000 |
| Patrick County Virginia | 1 | $ 165,000 | $ 165,000 | $ 97,000 |
| Portsmouth County Virginia | 1 | $ 270,000 | $ 270,000 | $ 55,000 |
| Prince William County Virginia | 1 | $ 240,000 | $ 240,000 | $ 86,000 |
| Rappahannock County Virginia | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Scott County Virginia | 1 | $ 86,000 | $ 86,000 | $ 89,000 |
| Southampton County Virginia | 1 | $ 100,000 | $ 100,000 | $ 39,000 |
| Suffolk County Virginia | 1 | $ 150,000 | $ 150,000 | $ 41,000 |
| Tazewell County Virginia | 1 | $ 108,000 | $ 108,000 | $ 156,000 |
| Washington County Virginia | 1 | $ 53,000 | $ 53,000 | $ 20,000 |
| Wythe County Virginia | 1 | $ 96,000 | $ 96,000 | $ 41,000 |
| Cabell County West Virginia | 1 | $ 54,000 | $ 54,000 | $ 44,000 |
| Kanawha County West Virginia | 1 | $ 102,000 | $ 102,000 | $ 108,000 |
| Mercer County West Virginia | 1 | $ 111,000 | $ 111,000 | $ 77,000 |
| Monongalia County West Virginia | 1 | $ 72,000 | $ 72,000 | $ 471,000 |
| Randolph County West Virginia | 1 | $ 104,000 | $ 104,000 | $ 64,000 |
| Summers County West Virginia | 1 | $ 83,000 | $ 83,000 | $ 104,000 |
| Tucker County West Virginia | 1 | $ 90,000 | $ 90,000 | $ 97,000 |
Mortgage Loan Application Detail Totals for First-Citizens Bank & Trust Co in 2007
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 | 2,522 | $508,469,000 | $201,000 | $2,300,000 | $116,000 | $1,924,000 |
| Refinancing | 2,085 | $478,911,000 | $229,000 | $85,000,000 | $106,000 | $1,891,000 |
| Home Improvement | 400 | $32,161,000 | $80,000 | $1,300,000 | $78,000 | $892,000 |
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 | 3,989 | $844,413,000 | $211,000 | $85,000,000 | $116,000 | $1,924,000 |
| Black or African American | 343 | $41,275,000 | $120,000 | $1,100,000 | $75,000 | $1,739,000 |
| Not Provided | 294 | $55,172,000 | $187,000 | $1,028,000 | $115,000 | $911,000 |
| Not applicable | 168 | $38,165,000 | $227,000 | $1,125,000 | $3,000 | $110,000 |
| Hispanic | 106 | $13,861,000 | $130,000 | $1,281,000 | $76,000 | $720,000 |
| Asian | 66 | $16,389,000 | $248,000 | $754,000 | $140,000 | $607,000 |
| American Indian or Alaskan Native | 25 | $4,503,000 | $180,000 | $1,500,000 | $107,000 | $534,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $5,763,000 | $360,000 | $1,485,000 | $251,000 | $1,670,000 |
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) | 4,970 | $1,015,050,000 | $204,000 | $85,000,000 | $109,000 | $1,924,000 |
| FHA-insured (Federal Housing Administration) | 31 | $3,793,000 | $122,000 | $250,000 | $35,000 | $53,000 |
| VA-guaranteed (Veterans Administration) | 6 | $698,000 | $116,000 | $209,000 | $35,000 | $47,000 |
| 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 | 3,377 | $687,118,000 | $203,000 | $2,048,000 | $120,000 | $1,924,000 |
| Application Denied By Financial Institution | 753 | $164,571,000 | $218,000 | $85,000,000 | $65,000 | $892,000 |
| Application Approved But Not Accepted | 327 | $56,435,000 | $172,000 | $1,866,000 | $109,000 | $1,500,000 |
| Application Withdrawn By Applicant | 290 | $66,183,000 | $228,000 | $2,300,000 | $134,000 | $1,351,000 |
| Loan Purchased By The Institution | 120 | $14,735,000 | $122,000 | $300,000 | $36,000 | $88,000 |
| File Closed For Incompleteness | 112 | $26,347,000 | $235,000 | $1,600,000 | $98,000 | $1,000,000 |
| Preapproval Denied by Financial Institution | 28 | $4,152,000 | $148,000 | $638,000 | $59,000 | $598,000 |
| 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 2007 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.