First-Citizens Bank & Trust Co Mortgage Lending & HMDA Data, 2007
In 2007, First-Citizens Bank & Trust Co of Raleigh, NC reported 5,007 mortgage applications totaling $1.0 billion, down 11% from 2006. The average application was for $203,623, and applicants reported an average income of $108,800. 67% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Raleigh-Cary, NC (494), Asheville, NC (399) and Hickory-Lenoir-Morganton, NC (312) (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 | 5,007 |
| Total Mortgage Loan Application Amount | $1,019,541,000 |
| Average Mortgage Loan Application Amount | $203,623 |
| Highest Mortgage Loan Application Amount | $85,000,000 |
| Average Applicant Income | $108,800 |
| Highest Applicant Income | $1,924,000 |
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records First-Citizens Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 329 | $ 82,194,000 | $ 249,829 | $ 133,000 |
| Buncombe, North Carolina | 190 | $ 43,723,000 | $ 230,121 | $ 106,000 |
| Carteret, North Carolina | 184 | $ 44,102,000 | $ 239,684 | $ 115,000 |
| New Hanover, North Carolina | 149 | $ 53,202,000 | $ 357,060 | $ 202,000 |
| Pitt, North Carolina | 145 | $ 30,809,000 | $ 212,475 | $ 134,000 |
| Mecklenburg, North Carolina | 137 | $ 36,380,000 | $ 265,547 | $ 118,000 |
| Cumberland, North Carolina | 133 | $ 20,718,000 | $ 155,774 | $ 126,000 |
| Henderson, North Carolina | 131 | $ 28,089,000 | $ 214,419 | $ 95,000 |
| Johnston, North Carolina | 124 | $ 16,136,000 | $ 130,129 | $ 88,000 |
| Burke, North Carolina | 115 | $ 14,038,000 | $ 122,069 | $ 75,000 |
| Onslow, North Carolina | 106 | $ 16,037,000 | $ 151,292 | $ 112,000 |
| Forsyth, North Carolina | 96 | $ 21,426,000 | $ 223,187 | $ 156,000 |
| Guilford, North Carolina | 94 | $ 17,994,000 | $ 191,425 | $ 127,000 |
| Caldwell, North Carolina | 92 | $ 9,469,000 | $ 102,923 | $ 66,000 |
| Union, North Carolina | 86 | $ 14,103,000 | $ 163,988 | $ 70,000 |
| Craven, North Carolina | 82 | $ 15,892,000 | $ 193,804 | $ 132,000 |
| Catawba, North Carolina | 78 | $ 11,063,000 | $ 141,833 | $ 89,000 |
| Pittsylvania, Virginia | 78 | $ 10,535,000 | $ 135,064 | $ 70,000 |
| Brunswick, North Carolina | 70 | $ 22,107,000 | $ 315,814 | $ 179,000 |
| Harnett, North Carolina | 61 | $ 90,608,000 | $ 1,485,377 | $ 75,000 |
| Rockingham, North Carolina | 61 | $ 6,397,000 | $ 104,868 | $ 86,000 |
| Sampson, North Carolina | 61 | $ 5,393,000 | $ 88,409 | $ 82,000 |
| Roanoke, Virginia | 61 | $ 11,065,000 | $ 181,393 | $ 93,000 |
| Jackson, North Carolina | 55 | $ 14,320,000 | $ 260,363 | $ 152,000 |
| Haywood, North Carolina | 52 | $ 9,556,000 | $ 183,769 | $ 100,000 |
| Roanoke City, Virginia | 51 | $ 6,419,000 | $ 125,862 | $ 66,000 |
| Rutherford, North Carolina | 50 | $ 5,956,000 | $ 119,120 | $ 77,000 |
| Greenbrier, West Virginia | 50 | $ 6,928,000 | $ 138,560 | $ 102,000 |
| Pamlico, North Carolina | 45 | $ 8,104,000 | $ 180,088 | $ 111,000 |
| Brunswick, Virginia | 45 | $ 5,336,000 | $ 118,577 | $ 82,000 |
| Danville, Virginia | 45 | $ 5,360,000 | $ 119,111 | $ 69,000 |
| Mecklenburg, Virginia | 45 | $ 6,637,000 | $ 147,488 | $ 70,000 |
| Watauga, North Carolina | 44 | $ 12,811,000 | $ 291,159 | $ 149,000 |
| Transylvania, North Carolina | 42 | $ 10,290,000 | $ 245,000 | $ 116,000 |
| Bedford, Virginia | 42 | $ 7,535,000 | $ 179,404 | $ 86,000 |
| Ashe, North Carolina | 41 | $ 6,192,000 | $ 151,024 | $ 77,000 |
| Franklin, North Carolina | 41 | $ 4,540,000 | $ 110,731 | $ 64,000 |
| Pender, North Carolina | 41 | $ 6,649,000 | $ 162,170 | $ 93,000 |
| Wayne, North Carolina | 39 | $ 3,510,000 | $ 90,000 | $ 103,000 |
| Lenoir, North Carolina | 38 | $ 3,641,000 | $ 95,815 | $ 87,000 |
| Pocahontas, West Virginia | 38 | $ 3,159,000 | $ 83,131 | $ 56,000 |
| Bladen, North Carolina | 37 | $ 2,796,000 | $ 75,567 | $ 106,000 |
| Durham, North Carolina | 37 | $ 6,706,000 | $ 181,243 | $ 114,000 |
| Lee, North Carolina | 36 | $ 5,755,000 | $ 159,861 | $ 89,000 |
| Stokes, North Carolina | 36 | $ 3,594,000 | $ 99,833 | $ 60,000 |
| Iredell, North Carolina | 33 | $ 6,443,000 | $ 195,242 | $ 109,000 |
| Macon, North Carolina | 33 | $ 8,587,000 | $ 260,212 | $ 146,000 |
| Montgomery, Virginia | 31 | $ 4,775,000 | $ 154,032 | $ 81,000 |
| Cherokee, North Carolina | 30 | $ 4,292,000 | $ 143,066 | $ 90,000 |
| Halifax, North Carolina | 30 | $ 5,535,000 | $ 184,500 | $ 122,000 |
| Beaufort, North Carolina | 28 | $ 4,897,000 | $ 174,892 | $ 95,000 |
| Surry, North Carolina | 28 | $ 4,687,000 | $ 167,392 | $ 153,000 |
| Alexander, North Carolina | 27 | $ 3,526,000 | $ 130,592 | $ 64,000 |
| Moore, North Carolina | 27 | $ 7,881,000 | $ 291,888 | $ 124,000 |
| Stanly, North Carolina | 27 | $ 3,088,000 | $ 114,370 | $ 62,000 |
| Madison, North Carolina | 26 | $ 3,285,000 | $ 126,346 | $ 64,000 |
| Avery, North Carolina | 24 | $ 3,119,000 | $ 129,958 | $ 126,000 |
| Chatham, North Carolina | 24 | $ 7,814,000 | $ 325,583 | $ 286,000 |
| Albemarle, Virginia | 24 | $ 5,199,000 | $ 216,625 | $ 126,000 |
| Rockingham, Virginia | 23 | $ 3,278,000 | $ 142,521 | $ 75,000 |
| Cabarrus, North Carolina | 22 | $ 4,202,000 | $ 191,000 | $ 107,000 |
| Horry, South Carolina | 22 | $ 6,958,000 | $ 316,272 | $ 189,000 |
| Alleghany, Virginia | 22 | $ 1,169,000 | $ 53,136 | $ 52,000 |
| Anne Arundel, Maryland | 21 | $ 5,134,000 | $ 244,476 | $ 120,000 |
| Alleghany, North Carolina | 21 | $ 2,971,000 | $ 141,476 | $ 103,000 |
| Randolph, North Carolina | 21 | $ 2,636,000 | $ 125,523 | $ 72,000 |
| Lincoln, North Carolina | 20 | $ 3,665,000 | $ 183,250 | $ 77,000 |
| Davidson, Tennessee | 20 | $ 5,678,000 | $ 283,900 | $ 160,000 |
| Duplin, North Carolina | 19 | $ 1,523,000 | $ 80,157 | $ 50,000 |
| Orange, North Carolina | 19 | $ 5,097,000 | $ 268,263 | $ 155,000 |
| Warren, North Carolina | 19 | $ 1,359,000 | $ 71,526 | $ 40,000 |
| Wilkes, North Carolina | 19 | $ 3,535,000 | $ 186,052 | $ 96,000 |
| Wilson, North Carolina | 19 | $ 2,532,000 | $ 133,263 | $ 97,000 |
| Columbus, North Carolina | 18 | $ 1,534,000 | $ 85,222 | $ 99,000 |
| Graham, North Carolina | 18 | $ 1,933,000 | $ 107,388 | $ 54,000 |
| Swain, North Carolina | 17 | $ 1,596,000 | $ 93,882 | $ 47,000 |
| Franklin, Virginia | 17 | $ 3,133,000 | $ 184,294 | $ 106,000 |
| Davidson, North Carolina | 16 | $ 4,375,000 | $ 273,437 | $ 88,000 |
| Carroll, Virginia | 16 | $ 1,566,000 | $ 97,875 | $ 68,000 |
| Vance, North Carolina | 13 | $ 1,380,000 | $ 106,153 | $ 61,000 |
| Henrico, Virginia | 13 | $ 2,299,000 | $ 176,846 | $ 89,000 |
| McDowell, North Carolina | 12 | $ 2,801,000 | $ 233,416 | $ 78,000 |
| Augusta, Virginia | 12 | $ 1,490,000 | $ 124,166 | $ 75,000 |
| Botetourt, Virginia | 12 | $ 2,406,000 | $ 200,500 | $ 122,000 |
| Martin, North Carolina | 11 | $ 1,210,000 | $ 110,000 | $ 70,000 |
| Pasquotank, North Carolina | 11 | $ 1,421,000 | $ 129,181 | $ 80,000 |
| Yadkin, North Carolina | 11 | $ 1,030,000 | $ 93,636 | $ 64,000 |
| Knox, Tennessee | 11 | $ 3,561,000 | $ 323,727 | $ 211,000 |
| Grayson, Virginia | 11 | $ 790,000 | $ 71,818 | $ 52,000 |
| Jones, North Carolina | 10 | $ 797,000 | $ 79,700 | $ 35,000 |
| York, South Carolina | 10 | $ 2,535,000 | $ 253,500 | $ 209,000 |
| Charlotte, Virginia | 10 | $ 1,015,000 | $ 101,500 | $ 50,000 |
| Floyd, Virginia | 10 | $ 829,000 | $ 82,900 | $ 52,000 |
| Galax, Virginia | 10 | $ 856,000 | $ 85,600 | $ 60,000 |
| Richmond City, Virginia | 10 | $ 2,311,000 | $ 231,100 | $ 242,000 |
| Clay, North Carolina | 9 | $ 917,000 | $ 101,888 | $ 53,000 |
| Greene, North Carolina | 9 | $ 1,208,000 | $ 134,222 | $ 76,000 |
| Lynchburg, Virginia | 9 | $ 1,590,000 | $ 176,666 | $ 90,000 |
| Salem, Virginia | 9 | $ 2,372,000 | $ 263,555 | $ 85,000 |
| Staunton, Virginia | 9 | $ 928,000 | $ 103,111 | $ 53,000 |
| Anson, North Carolina | 8 | $ 1,033,000 | $ 129,125 | $ 108,000 |
| Gaston, North Carolina | 8 | $ 867,000 | $ 108,375 | $ 133,000 |
| Harrisonburg, Virginia | 8 | $ 1,416,000 | $ 177,000 | $ 90,000 |
| Lunenburg, Virginia | 8 | $ 1,079,000 | $ 134,875 | $ 68,000 |
| Davie, North Carolina | 7 | $ 1,613,000 | $ 230,428 | $ 138,000 |
| Nash, North Carolina | 7 | $ 926,000 | $ 132,285 | $ 87,000 |
| Robeson, North Carolina | 7 | $ 804,000 | $ 114,857 | $ 154,000 |
| Greensville, Virginia | 7 | $ 526,000 | $ 75,142 | $ 31,000 |
| Pulaski, Virginia | 7 | $ 1,199,000 | $ 171,285 | $ 103,000 |
| Fulton, Georgia | 6 | $ 3,133,000 | $ 522,166 | $ 288,000 |
| Caswell, North Carolina | 6 | $ 673,000 | $ 112,166 | $ 85,000 |
| Polk, North Carolina | 6 | $ 856,000 | $ 142,666 | $ 46,000 |
| Williamson, Tennessee | 6 | $ 2,410,000 | $ 401,666 | $ 249,000 |
| Nottoway, Virginia | 6 | $ 795,000 | $ 132,500 | $ 96,000 |
| Dare, North Carolina | 5 | $ 3,660,000 | $ 732,000 | $ 413,000 |
| Northampton, North Carolina | 5 | $ 275,000 | $ 55,000 | $ 52,000 |
| Yancey, North Carolina | 5 | $ 1,757,000 | $ 351,400 | $ 157,000 |
| Lancaster, South Carolina | 5 | $ 1,106,000 | $ 221,200 | $ 48,000 |
| Charlottesville, Virginia | 5 | $ 1,415,000 | $ 283,000 | $ 127,000 |
| Chesterfield, Virginia | 5 | $ 981,000 | $ 196,200 | $ 205,000 |
| Fairfax, Virginia | 5 | $ 1,559,000 | $ 311,800 | $ 268,000 |
| Spotsylvania, Virginia | 5 | $ 983,000 | $ 196,600 | $ 108,000 |
| Howard, Maryland | 4 | $ 727,000 | $ 181,750 | $ 95,000 |
| Alamance, North Carolina | 4 | $ 535,000 | $ 133,750 | $ 67,000 |
| Gates, North Carolina | 4 | $ 261,000 | $ 65,250 | $ 46,000 |
| Hoke, North Carolina | 4 | $ 712,000 | $ 178,000 | $ 132,000 |
| Montgomery, North Carolina | 4 | $ 1,124,000 | $ 281,000 | $ 122,000 |
| Greenville, South Carolina | 4 | $ 827,000 | $ 206,750 | $ 222,000 |
| Spartanburg, South Carolina | 4 | $ 519,000 | $ 129,750 | $ 88,000 |
| Blount, Tennessee | 4 | $ 1,484,000 | $ 371,000 | $ 98,000 |
| Johnson, Tennessee | 4 | $ 904,000 | $ 226,000 | $ 84,000 |
| Appomattox, Virginia | 4 | $ 750,000 | $ 187,500 | $ 65,000 |
| Campbell, Virginia | 4 | $ 341,000 | $ 85,250 | $ 73,000 |
| Greene, Virginia | 4 | $ 589,000 | $ 147,250 | $ 193,000 |
| Hanover, Virginia | 4 | $ 1,788,000 | $ 447,000 | $ 183,000 |
| Nelson, Virginia | 4 | $ 1,166,000 | $ 291,500 | $ 351,000 |
| Warren, Virginia | 4 | $ 923,000 | $ 230,750 | $ 52,000 |
| Chowan, North Carolina | 3 | $ 641,000 | $ 213,666 | $ 89,000 |
| Edgecombe, North Carolina | 3 | $ 619,000 | $ 206,333 | $ 119,000 |
| Hertford, North Carolina | 3 | $ 69,000 | $ 23,000 | $ 54,000 |
| Perquimans, North Carolina | 3 | $ 313,000 | $ 104,333 | $ 28,000 |
| Rowan, North Carolina | 3 | $ 262,000 | $ 87,333 | $ 69,000 |
| Beaufort, South Carolina | 3 | $ 1,422,000 | $ 474,000 | $ 155,000 |
| Colleton, South Carolina | 3 | $ 990,000 | $ 330,000 | $ 261,000 |
| Hamilton, Tennessee | 3 | $ 506,000 | $ 168,666 | $ 82,000 |
| Wilson, Tennessee | 3 | $ 895,000 | $ 298,333 | $ 96,000 |
| Emporia, Virginia | 3 | $ 276,000 | $ 92,000 | $ 65,000 |
| Frederick, Virginia | 3 | $ 686,000 | $ 228,666 | $ 26,000 |
| Radford, Virginia | 3 | $ 281,000 | $ 93,666 | $ 48,000 |
| Winchester, Virginia | 3 | $ 656,000 | $ 218,666 | $ 114,000 |
| Jefferson, West Virginia | 3 | $ 431,000 | $ 143,666 | $ 86,000 |
| Monroe, West Virginia | 3 | $ 292,000 | $ 97,333 | $ 75,000 |
| Holmes, Florida | 2 | $ 1,197,000 | $ 598,500 | $ 416,000 |
| Osceola, Florida | 2 | $ 203,000 | $ 101,500 | $ 41,000 |
| Palm Beach, Florida | 2 | $ 401,000 | $ 200,500 | $ 65,000 |
| Union, Georgia | 2 | $ 279,000 | $ 139,500 | $ 47,000 |
| Camden, North Carolina | 2 | $ 424,000 | $ 212,000 | $ 47,000 |
| Cleveland, North Carolina | 2 | $ 454,000 | $ 227,000 | $ 209,000 |
| Currituck, North Carolina | 2 | $ 1,420,000 | $ 710,000 | $ 346,000 |
| Mitchell, North Carolina | 2 | $ 290,000 | $ 145,000 | $ 136,000 |
| Aiken, South Carolina | 2 | $ 416,000 | $ 208,000 | $ 120,000 |
| Anderson, South Carolina | 2 | $ 118,000 | $ 59,000 | $ 82,000 |
| Berkeley, South Carolina | 2 | $ 295,000 | $ 147,500 | $ 64,000 |
| Charleston, South Carolina | 2 | $ 1,641,000 | $ 820,500 | $ 207,000 |
| Oconee, South Carolina | 2 | $ 725,000 | $ 362,500 | $ 368,000 |
| Pickens, South Carolina | 2 | $ 743,000 | $ 371,500 | $ 378,000 |
| Carter, Tennessee | 2 | $ 150,000 | $ 75,000 | $ 124,000 |
| Loudon, Tennessee | 2 | $ 460,000 | $ 230,000 | $ 130,000 |
| Dallas, Texas | 2 | $ 700,000 | $ 350,000 | $ 398,000 |
| Travis, Texas | 2 | $ 1,142,000 | $ 571,000 | $ 294,000 |
| Caroline, Virginia | 2 | $ 398,000 | $ 199,000 | $ 458,000 |
| Halifax, Virginia | 2 | $ 278,000 | $ 139,000 | $ 51,000 |
| James City, Virginia | 2 | $ 470,000 | $ 235,000 | $ 111,000 |
| Louisa, Virginia | 2 | $ 260,000 | $ 130,000 | $ 80,000 |
| Prince Edward, Virginia | 2 | $ 160,000 | $ 80,000 | $ 51,000 |
| Rockbridge, Virginia | 2 | $ 591,000 | $ 295,500 | $ 140,000 |
| Sussex, Virginia | 2 | $ 98,000 | $ 49,000 | $ 36,000 |
| Waynesboro, Virginia | 2 | $ 437,000 | $ 218,500 | $ 63,000 |
| Berkeley, West Virginia | 2 | $ 78,000 | $ 39,000 | $ 66,000 |
| Putnam, West Virginia | 2 | $ 89,000 | $ 44,500 | $ 120,000 |
| Arapahoe, Colorado | 1 | $ 417,000 | $ 417,000 | $ 106,000 |
| Brevard, Florida | 1 | $ 220,000 | $ 220,000 | $ 91,000 |
| Collier, Florida | 1 | $ 417,000 | $ 417,000 | $ 372,000 |
| Nassau, Florida | 1 | $ 364,000 | $ 364,000 | $ 227,000 |
| Pasco, Florida | 1 | $ 84,000 | $ 84,000 | $ 83,000 |
| Sarasota, Florida | 1 | $ 120,000 | $ 120,000 | $ 40,000 |
| St. Johns, Florida | 1 | $ 351,000 | $ 351,000 | $ 466,000 |
| Bartow, Georgia | 1 | $ 175,000 | $ 175,000 | $ 114,000 |
| Cobb, Georgia | 1 | $ 150,000 | $ 150,000 | $ 57,000 |
| Whitfield, Georgia | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Baltimore, Maryland | 1 | $ 814,000 | $ 814,000 | $ 421,000 |
| Montgomery, Maryland | 1 | $ 67,000 | $ 67,000 | $ 168,000 |
| Bernalillo, New Mexico | 1 | $ 234,000 | $ 234,000 | $ 42,000 |
| Bertie, North Carolina | 1 | $ 386,000 | $ 386,000 | $ 98,000 |
| Granville, North Carolina | 1 | $ 360,000 | $ 360,000 | $ 97,000 |
| Person, North Carolina | 1 | $ 158,000 | $ 158,000 | $ 29,000 |
| Chesterfield, South Carolina | 1 | $ 129,000 | $ 129,000 | $ 32,000 |
| Dillon, South Carolina | 1 | $ 13,000 | $ 13,000 | $ 78,000 |
| Fairfield, South Carolina | 1 | $ 88,000 | $ 88,000 | $ 55,000 |
| Florence, South Carolina | 1 | $ 200,000 | $ 200,000 | $ 65,000 |
| Georgetown, South Carolina | 1 | $ 200,000 | $ 200,000 | $ 240,000 |
| Anderson, Tennessee | 1 | $ 775,000 | $ 775,000 | $ 0 |
| Cocke, Tennessee | 1 | $ 118,000 | $ 118,000 | $ 37,000 |
| Cumberland, Tennessee | 1 | $ 380,000 | $ 380,000 | $ 190,000 |
| Greene, Tennessee | 1 | $ 112,000 | $ 112,000 | $ 31,000 |
| Jefferson, Tennessee | 1 | $ 41,000 | $ 41,000 | $ 72,000 |
| Montgomery, Tennessee | 1 | $ 73,000 | $ 73,000 | $ 35,000 |
| Washington, Tennessee | 1 | $ 102,000 | $ 102,000 | $ 251,000 |
| Bastrop, Texas | 1 | $ 148,000 | $ 148,000 | $ 57,000 |
| Harris, Texas | 1 | $ 213,000 | $ 213,000 | $ 85,000 |
| Arlington, Virginia | 1 | $ 228,000 | $ 228,000 | $ 528,000 |
| Bath, Virginia | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Buckingham, Virginia | 1 | $ 180,000 | $ 180,000 | $ 75,000 |
| Chesapeake, Virginia | 1 | $ 150,000 | $ 150,000 | $ 228,000 |
| Covington, Virginia | 1 | $ 37,000 | $ 37,000 | $ 69,000 |
| Craig, Virginia | 1 | $ 165,000 | $ 165,000 | $ 39,000 |
| Cumberland, Virginia | 1 | $ 47,000 | $ 47,000 | $ 20,000 |
| Fauquier, Virginia | 1 | $ 500,000 | $ 500,000 | $ 100,000 |
| Fluvanna, Virginia | 1 | $ 176,000 | $ 176,000 | $ 48,000 |
| Fredericksburg, Virginia | 1 | $ 371,000 | $ 371,000 | $ 389,000 |
| Giles, Virginia | 1 | $ 33,000 | $ 33,000 | $ 25,000 |
| Goochland, Virginia | 1 | $ 670,000 | $ 670,000 | $ 125,000 |
| Highland, Virginia | 1 | $ 51,000 | $ 51,000 | $ 36,000 |
| Loudoun, Virginia | 1 | $ 165,000 | $ 165,000 | $ 51,000 |
| Norfolk, Virginia | 1 | $ 169,000 | $ 169,000 | $ 157,000 |
| Page, Virginia | 1 | $ 173,000 | $ 173,000 | $ 57,000 |
| Patrick, Virginia | 1 | $ 165,000 | $ 165,000 | $ 97,000 |
| Portsmouth, Virginia | 1 | $ 270,000 | $ 270,000 | $ 55,000 |
| Prince William, Virginia | 1 | $ 240,000 | $ 240,000 | $ 86,000 |
| Rappahannock, Virginia | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Scott, Virginia | 1 | $ 86,000 | $ 86,000 | $ 89,000 |
| Southampton, Virginia | 1 | $ 100,000 | $ 100,000 | $ 39,000 |
| Suffolk, Virginia | 1 | $ 150,000 | $ 150,000 | $ 41,000 |
| Tazewell, Virginia | 1 | $ 108,000 | $ 108,000 | $ 156,000 |
| Washington, Virginia | 1 | $ 53,000 | $ 53,000 | $ 20,000 |
| Wythe, Virginia | 1 | $ 96,000 | $ 96,000 | $ 41,000 |
| Cabell, West Virginia | 1 | $ 54,000 | $ 54,000 | $ 44,000 |
| Kanawha, West Virginia | 1 | $ 102,000 | $ 102,000 | $ 108,000 |
| Mercer, West Virginia | 1 | $ 111,000 | $ 111,000 | $ 77,000 |
| Monongalia, West Virginia | 1 | $ 72,000 | $ 72,000 | $ 471,000 |
| Randolph, West Virginia | 1 | $ 104,000 | $ 104,000 | $ 64,000 |
| Summers, West Virginia | 1 | $ 83,000 | $ 83,000 | $ 104,000 |
| Tucker, 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.
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