First-Citizens Bank & Trust Co Mortgage Lending & HMDA Data, 2008
In 2008, First-Citizens Bank & Trust Co of Raleigh, NC reported 4,770 mortgage applications totaling $898.3 million, down 5% from 2007. The average application was for $188,321, and applicants reported an average income of $109,646. 64% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Raleigh-Cary, NC (491), Asheville, NC (366) and Hickory-Lenoir-Morganton, NC (285) (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 | 4,770 |
| Total Mortgage Loan Application Amount | $898,293,000 |
| Average Mortgage Loan Application Amount | $188,321 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $109,646 |
| Highest Applicant Income | $2,683,000 |
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records First-Citizens Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 315 | $ 76,115,000 | $ 241,634 | $ 138,000 |
| Buncombe, North Carolina | 168 | $ 38,652,000 | $ 230,071 | $ 124,000 |
| Henderson, North Carolina | 153 | $ 39,084,000 | $ 255,450 | $ 105,000 |
| Carteret, North Carolina | 135 | $ 30,550,000 | $ 226,296 | $ 134,000 |
| Mecklenburg, North Carolina | 135 | $ 30,385,000 | $ 225,074 | $ 139,000 |
| New Hanover, North Carolina | 129 | $ 40,619,000 | $ 314,875 | $ 190,000 |
| Johnston, North Carolina | 121 | $ 15,143,000 | $ 125,148 | $ 82,000 |
| Pitt, North Carolina | 118 | $ 29,320,000 | $ 248,474 | $ 126,000 |
| Forsyth, North Carolina | 110 | $ 21,591,000 | $ 196,281 | $ 128,000 |
| Caldwell, North Carolina | 106 | $ 9,524,000 | $ 89,849 | $ 67,000 |
| Guilford, North Carolina | 106 | $ 22,391,000 | $ 211,235 | $ 113,000 |
| Onslow, North Carolina | 103 | $ 14,852,000 | $ 144,194 | $ 75,000 |
| Cumberland, North Carolina | 100 | $ 14,102,000 | $ 141,020 | $ 107,000 |
| Brunswick, North Carolina | 83 | $ 19,702,000 | $ 237,373 | $ 113,000 |
| Burke, North Carolina | 81 | $ 11,146,000 | $ 137,604 | $ 86,000 |
| Catawba, North Carolina | 78 | $ 13,800,000 | $ 176,923 | $ 118,000 |
| Union, North Carolina | 76 | $ 12,740,000 | $ 167,631 | $ 81,000 |
| Craven, North Carolina | 69 | $ 15,688,000 | $ 227,362 | $ 124,000 |
| Roanoke, Virginia | 69 | $ 12,255,000 | $ 177,608 | $ 101,000 |
| Franklin, North Carolina | 55 | $ 5,424,000 | $ 98,618 | $ 67,000 |
| Greenbrier, West Virginia | 55 | $ 7,979,000 | $ 145,072 | $ 68,000 |
| Pittsylvania, Virginia | 53 | $ 8,564,000 | $ 161,584 | $ 72,000 |
| Sampson, North Carolina | 51 | $ 4,255,000 | $ 83,431 | $ 67,000 |
| Iredell, North Carolina | 47 | $ 9,064,000 | $ 192,851 | $ 88,000 |
| Harnett, North Carolina | 46 | $ 4,349,000 | $ 94,543 | $ 76,000 |
| Transylvania, North Carolina | 46 | $ 11,134,000 | $ 242,043 | $ 100,000 |
| Jackson, North Carolina | 44 | $ 11,828,000 | $ 268,818 | $ 154,000 |
| Pender, North Carolina | 44 | $ 6,569,000 | $ 149,295 | $ 69,000 |
| Ashe, North Carolina | 42 | $ 6,645,000 | $ 158,214 | $ 78,000 |
| Watauga, North Carolina | 42 | $ 11,718,000 | $ 279,000 | $ 184,000 |
| Danville, Virginia | 42 | $ 5,166,000 | $ 123,000 | $ 83,000 |
| Wayne, North Carolina | 41 | $ 5,529,000 | $ 134,853 | $ 78,000 |
| Mecklenburg, Virginia | 41 | $ 5,926,000 | $ 144,536 | $ 93,000 |
| Rockingham, North Carolina | 40 | $ 2,967,000 | $ 74,175 | $ 45,000 |
| Pocahontas, West Virginia | 39 | $ 3,216,000 | $ 82,461 | $ 56,000 |
| Bladen, North Carolina | 38 | $ 3,441,000 | $ 90,552 | $ 75,000 |
| Cherokee, North Carolina | 38 | $ 5,583,000 | $ 146,921 | $ 91,000 |
| Wilkes, North Carolina | 37 | $ 5,314,000 | $ 143,621 | $ 60,000 |
| Bedford, Virginia | 37 | $ 7,914,000 | $ 213,891 | $ 113,000 |
| Halifax, North Carolina | 36 | $ 6,074,000 | $ 168,722 | $ 110,000 |
| Roanoke City, Virginia | 35 | $ 6,502,000 | $ 185,771 | $ 102,000 |
| Avery, North Carolina | 34 | $ 8,388,000 | $ 246,705 | $ 155,000 |
| Beaufort, North Carolina | 34 | $ 6,024,000 | $ 177,176 | $ 121,000 |
| Rutherford, North Carolina | 33 | $ 4,568,000 | $ 138,424 | $ 82,000 |
| Lenoir, North Carolina | 30 | $ 3,271,000 | $ 109,033 | $ 88,000 |
| Surry, North Carolina | 30 | $ 5,080,000 | $ 169,333 | $ 118,000 |
| Brunswick, Virginia | 30 | $ 2,375,000 | $ 79,166 | $ 48,000 |
| Columbus, North Carolina | 29 | $ 2,448,000 | $ 84,413 | $ 78,000 |
| Durham, North Carolina | 29 | $ 4,909,000 | $ 169,275 | $ 105,000 |
| Haywood, North Carolina | 29 | $ 5,651,000 | $ 194,862 | $ 76,000 |
| Swain, North Carolina | 29 | $ 3,246,000 | $ 111,931 | $ 66,000 |
| Stanly, North Carolina | 28 | $ 5,340,000 | $ 190,714 | $ 75,000 |
| Stokes, North Carolina | 27 | $ 3,142,000 | $ 116,370 | $ 68,000 |
| Montgomery, Virginia | 27 | $ 5,368,000 | $ 198,814 | $ 177,000 |
| Graham, North Carolina | 26 | $ 2,936,000 | $ 112,923 | $ 74,000 |
| Moore, North Carolina | 26 | $ 5,705,000 | $ 219,423 | $ 121,000 |
| Pasquotank, North Carolina | 26 | $ 3,480,000 | $ 133,846 | $ 76,000 |
| Horry, South Carolina | 24 | $ 6,579,000 | $ 274,125 | $ 206,000 |
| Cabarrus, North Carolina | 22 | $ 4,689,000 | $ 213,136 | $ 100,000 |
| Lee, North Carolina | 22 | $ 3,657,000 | $ 166,227 | $ 81,000 |
| Macon, North Carolina | 22 | $ 5,126,000 | $ 233,000 | $ 110,000 |
| Pamlico, North Carolina | 22 | $ 4,059,000 | $ 184,500 | $ 80,000 |
| Albemarle, Virginia | 22 | $ 5,935,000 | $ 269,772 | $ 187,000 |
| Chatham, North Carolina | 21 | $ 5,738,000 | $ 273,238 | $ 216,000 |
| Alexander, North Carolina | 20 | $ 2,367,000 | $ 118,350 | $ 68,000 |
| McDowell, North Carolina | 20 | $ 3,211,000 | $ 160,550 | $ 92,000 |
| Augusta, Virginia | 20 | $ 3,542,000 | $ 177,100 | $ 120,000 |
| Orange, North Carolina | 19 | $ 5,659,000 | $ 297,842 | $ 262,000 |
| Alleghany, Virginia | 19 | $ 940,000 | $ 49,473 | $ 55,000 |
| Clay, North Carolina | 18 | $ 3,527,000 | $ 195,944 | $ 129,000 |
| Davidson, North Carolina | 18 | $ 4,262,000 | $ 236,777 | $ 129,000 |
| Lincoln, North Carolina | 18 | $ 3,424,000 | $ 190,222 | $ 68,000 |
| Wilson, North Carolina | 18 | $ 2,652,000 | $ 147,333 | $ 107,000 |
| Lynchburg, Virginia | 18 | $ 2,806,000 | $ 155,888 | $ 95,000 |
| Nash, North Carolina | 17 | $ 2,546,000 | $ 149,764 | $ 152,000 |
| Polk, North Carolina | 17 | $ 3,342,000 | $ 196,588 | $ 125,000 |
| Knox, Tennessee | 17 | $ 4,178,000 | $ 245,764 | $ 169,000 |
| Madison, North Carolina | 16 | $ 1,700,000 | $ 106,250 | $ 66,000 |
| Duplin, North Carolina | 15 | $ 646,000 | $ 43,066 | $ 65,000 |
| Greene, North Carolina | 15 | $ 1,800,000 | $ 120,000 | $ 50,000 |
| Warren, North Carolina | 15 | $ 4,958,000 | $ 330,533 | $ 175,000 |
| Randolph, North Carolina | 14 | $ 1,836,000 | $ 131,142 | $ 79,000 |
| Davidson, Tennessee | 13 | $ 1,806,000 | $ 138,923 | $ 65,000 |
| Botetourt, Virginia | 13 | $ 1,902,000 | $ 146,307 | $ 58,000 |
| Charlotte, Virginia | 13 | $ 1,805,000 | $ 138,846 | $ 117,000 |
| Franklin, Virginia | 13 | $ 3,432,000 | $ 264,000 | $ 152,000 |
| Rockingham, Virginia | 13 | $ 3,189,000 | $ 245,307 | $ 107,000 |
| Anne Arundel, Maryland | 12 | $ 2,739,000 | $ 228,250 | $ 71,000 |
| Vance, North Carolina | 12 | $ 766,000 | $ 63,833 | $ 109,000 |
| Carroll, Virginia | 12 | $ 1,528,000 | $ 127,333 | $ 68,000 |
| Gates, North Carolina | 11 | $ 2,551,000 | $ 231,909 | $ 95,000 |
| Chesterfield, Virginia | 11 | $ 2,293,000 | $ 208,454 | $ 125,000 |
| Spotsylvania, Virginia | 11 | $ 2,987,000 | $ 271,545 | $ 140,000 |
| Campbell, Virginia | 10 | $ 1,047,000 | $ 104,700 | $ 56,000 |
| Henrico, Virginia | 10 | $ 1,873,000 | $ 187,300 | $ 65,000 |
| Lunenburg, Virginia | 10 | $ 1,198,000 | $ 119,800 | $ 48,000 |
| Warren, Virginia | 10 | $ 1,793,000 | $ 179,300 | $ 82,000 |
| Davie, North Carolina | 9 | $ 2,333,000 | $ 259,222 | $ 159,000 |
| Gaston, North Carolina | 9 | $ 1,078,000 | $ 119,777 | $ 104,000 |
| Lancaster, South Carolina | 9 | $ 2,522,000 | $ 280,222 | $ 227,000 |
| Oconee, South Carolina | 9 | $ 2,133,000 | $ 237,000 | $ 151,000 |
| Sevier, Tennessee | 9 | $ 3,564,000 | $ 396,000 | $ 255,000 |
| Alleghany, North Carolina | 8 | $ 1,055,000 | $ 131,875 | $ 37,000 |
| Anson, North Carolina | 8 | $ 1,221,000 | $ 152,625 | $ 75,000 |
| Rowan, North Carolina | 8 | $ 973,000 | $ 121,625 | $ 53,000 |
| Yadkin, North Carolina | 8 | $ 474,000 | $ 59,250 | $ 45,000 |
| York, South Carolina | 8 | $ 2,169,000 | $ 271,125 | $ 74,000 |
| Richmond City, Virginia | 8 | $ 1,503,000 | $ 187,875 | $ 161,000 |
| Salem, Virginia | 8 | $ 1,136,000 | $ 142,000 | $ 51,000 |
| Granville, North Carolina | 6 | $ 798,000 | $ 133,000 | $ 71,000 |
| Martin, North Carolina | 6 | $ 533,000 | $ 88,833 | $ 59,000 |
| Montgomery, North Carolina | 6 | $ 1,510,000 | $ 251,666 | $ 287,000 |
| Robeson, North Carolina | 6 | $ 488,000 | $ 81,333 | $ 83,000 |
| Greenville, South Carolina | 6 | $ 1,832,000 | $ 305,333 | $ 161,000 |
| Charlottesville, Virginia | 6 | $ 2,257,000 | $ 376,166 | $ 93,000 |
| Floyd, Virginia | 6 | $ 886,000 | $ 147,666 | $ 58,000 |
| Grayson, Virginia | 6 | $ 989,000 | $ 164,833 | $ 100,000 |
| Staunton, Virginia | 6 | $ 1,487,000 | $ 247,833 | $ 93,000 |
| Monroe, West Virginia | 6 | $ 793,000 | $ 132,166 | $ 30,000 |
| Dare, North Carolina | 5 | $ 1,494,000 | $ 298,800 | $ 313,000 |
| Edgecombe, North Carolina | 5 | $ 459,000 | $ 91,800 | $ 184,000 |
| Hoke, North Carolina | 5 | $ 448,000 | $ 89,600 | $ 62,000 |
| Jones, North Carolina | 5 | $ 808,000 | $ 161,600 | $ 52,000 |
| Perquimans, North Carolina | 5 | $ 693,000 | $ 138,600 | $ 114,000 |
| Fairfax, Virginia | 5 | $ 1,441,000 | $ 288,200 | $ 94,000 |
| Greensville, Virginia | 5 | $ 531,000 | $ 106,200 | $ 56,000 |
| Halifax, Virginia | 5 | $ 457,000 | $ 91,400 | $ 32,000 |
| Harrisonburg, Virginia | 5 | $ 833,000 | $ 166,600 | $ 35,000 |
| Nottoway, Virginia | 5 | $ 922,000 | $ 184,400 | $ 64,000 |
| Collier, Florida | 4 | $ 1,044,000 | $ 261,000 | $ 287,000 |
| Camden, North Carolina | 4 | $ 568,000 | $ 142,000 | $ 56,000 |
| Hertford, North Carolina | 4 | $ 744,000 | $ 186,000 | $ 159,000 |
| Northampton, North Carolina | 4 | $ 243,000 | $ 60,750 | $ 51,000 |
| Yancey, North Carolina | 4 | $ 594,000 | $ 148,500 | $ 102,000 |
| Beaufort, South Carolina | 4 | $ 1,660,000 | $ 415,000 | $ 359,000 |
| Travis, Texas | 4 | $ 975,000 | $ 243,750 | $ 180,000 |
| Frederick, Virginia | 4 | $ 517,000 | $ 129,250 | $ 29,000 |
| Nicholas, West Virginia | 4 | $ 222,000 | $ 55,500 | $ 56,000 |
| Chowan, North Carolina | 3 | $ 672,000 | $ 224,000 | $ 125,000 |
| Georgetown, South Carolina | 3 | $ 802,000 | $ 267,333 | $ 176,000 |
| Williamson, Tennessee | 3 | $ 739,000 | $ 246,333 | $ 170,000 |
| Amherst, Virginia | 3 | $ 636,000 | $ 212,000 | $ 156,000 |
| Bath, Virginia | 3 | $ 235,000 | $ 78,333 | $ 118,000 |
| Emporia, Virginia | 3 | $ 203,000 | $ 67,666 | $ 37,000 |
| Galax, Virginia | 3 | $ 597,000 | $ 199,000 | $ 108,000 |
| Hanover, Virginia | 3 | $ 611,000 | $ 203,666 | $ 250,000 |
| Loudoun, Virginia | 3 | $ 696,000 | $ 232,000 | $ 264,000 |
| Stafford, Virginia | 3 | $ 1,123,000 | $ 374,333 | $ 90,000 |
| Randolph, West Virginia | 3 | $ 201,000 | $ 67,000 | $ 60,000 |
| Summers, West Virginia | 3 | $ 145,000 | $ 48,333 | $ 57,000 |
| La Plata, Colorado | 2 | $ 910,000 | $ 455,000 | $ 580,000 |
| Pinellas, Florida | 2 | $ 602,000 | $ 301,000 | $ 103,000 |
| Sarasota, Florida | 2 | $ 294,000 | $ 147,000 | $ 119,000 |
| DeKalb, Georgia | 2 | $ 258,000 | $ 129,000 | $ 103,000 |
| Fulton, Georgia | 2 | $ 290,000 | $ 145,000 | $ 193,000 |
| Baltimore, Maryland | 2 | $ 638,000 | $ 319,000 | $ 83,000 |
| Howard, Maryland | 2 | $ 616,000 | $ 308,000 | $ 97,000 |
| Alamance, North Carolina | 2 | $ 557,000 | $ 278,500 | $ 116,000 |
| Bertie, North Carolina | 2 | $ 52,000 | $ 26,000 | $ 69,000 |
| Caswell, North Carolina | 2 | $ 51,000 | $ 25,500 | $ 57,000 |
| Cleveland, North Carolina | 2 | $ 280,000 | $ 140,000 | $ 30,000 |
| Person, North Carolina | 2 | $ 800,000 | $ 400,000 | $ 245,000 |
| Charleston, South Carolina | 2 | $ 740,000 | $ 370,000 | $ 251,000 |
| Florence, South Carolina | 2 | $ 341,000 | $ 170,500 | $ 69,000 |
| Pickens, South Carolina | 2 | $ 742,000 | $ 371,000 | $ 546,000 |
| Blount, Tennessee | 2 | $ 1,714,000 | $ 857,000 | $ 382,000 |
| Hamilton, Tennessee | 2 | $ 712,000 | $ 356,000 | $ 609,000 |
| Roane, Tennessee | 2 | $ 323,000 | $ 161,500 | $ 62,000 |
| Washington, Tennessee | 2 | $ 243,000 | $ 121,500 | $ 37,000 |
| Bedford City, Virginia | 2 | $ 176,000 | $ 88,000 | $ 70,000 |
| Clarke, Virginia | 2 | $ 834,000 | $ 417,000 | $ 280,000 |
| Covington, Virginia | 2 | $ 64,000 | $ 32,000 | $ 54,000 |
| Giles, Virginia | 2 | $ 458,000 | $ 229,000 | $ 117,000 |
| Louisa, Virginia | 2 | $ 599,000 | $ 299,500 | $ 78,000 |
| Northumberland, Virginia | 2 | $ 425,000 | $ 212,500 | $ 121,000 |
| Patrick, Virginia | 2 | $ 500,000 | $ 250,000 | $ 83,000 |
| Prince Edward, Virginia | 2 | $ 174,000 | $ 87,000 | $ 41,000 |
| Prince William, Virginia | 2 | $ 610,000 | $ 305,000 | $ 268,000 |
| Pulaski, Virginia | 2 | $ 263,000 | $ 131,500 | $ 132,000 |
| Virginia Beach, Virginia | 2 | $ 578,000 | $ 289,000 | $ 184,000 |
| Washington, Virginia | 2 | $ 486,000 | $ 243,000 | $ 250,000 |
| Waynesboro, Virginia | 2 | $ 181,000 | $ 90,500 | $ 84,000 |
| Wythe, Virginia | 2 | $ 352,000 | $ 176,000 | $ 53,000 |
| Yavapai, Arizona | 1 | $ 162,000 | $ 162,000 | $ 69,000 |
| Riverside, California | 1 | $ 154,000 | $ 154,000 | $ 243,000 |
| Solano, California | 1 | $ 190,000 | $ 190,000 | $ 100,000 |
| Delta, Colorado | 1 | $ 218,000 | $ 218,000 | $ 175,000 |
| Denver, Colorado | 1 | $ 305,000 | $ 305,000 | $ 200,000 |
| Jefferson, Colorado | 1 | $ 170,000 | $ 170,000 | $ 179,000 |
| San Juan, Colorado | 1 | $ 235,000 | $ 235,000 | $ 612,000 |
| Duval, Florida | 1 | $ 305,000 | $ 305,000 | $ 35,000 |
| Flagler, Florida | 1 | $ 700,000 | $ 700,000 | $ 320,000 |
| Lee, Florida | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| Levy, Florida | 1 | $ 300,000 | $ 300,000 | $ 92,000 |
| Nassau, Florida | 1 | $ 335,000 | $ 335,000 | $ 325,000 |
| Walton, Florida | 1 | $ 388,000 | $ 388,000 | $ 378,000 |
| Forsyth, Georgia | 1 | $ 140,000 | $ 140,000 | $ 41,000 |
| Greene, Georgia | 1 | $ 3,000,000 | $ 3,000,000 | $ 2,505,000 |
| Gwinnett, Georgia | 1 | $ 209,000 | $ 209,000 | $ 85,000 |
| Baltimore City, Maryland | 1 | $ 330,000 | $ 330,000 | $ 0 |
| Queen Anne's, Maryland | 1 | $ 600,000 | $ 600,000 | $ 163,000 |
| Santa Fe, New Mexico | 1 | $ 328,000 | $ 328,000 | $ 96,000 |
| Mitchell, North Carolina | 1 | $ 64,000 | $ 64,000 | $ 33,000 |
| Richmond, North Carolina | 1 | $ 118,000 | $ 118,000 | $ 33,000 |
| Anderson, South Carolina | 1 | $ 400,000 | $ 400,000 | $ 104,000 |
| Cherokee, South Carolina | 1 | $ 148,000 | $ 148,000 | $ 70,000 |
| Chesterfield, South Carolina | 1 | $ 148,000 | $ 148,000 | $ 39,000 |
| Darlington, South Carolina | 1 | $ 255,000 | $ 255,000 | $ 57,000 |
| Fairfield, South Carolina | 1 | $ 417,000 | $ 417,000 | $ 36,000 |
| Lexington, South Carolina | 1 | $ 200,000 | $ 200,000 | $ 127,000 |
| Newberry, South Carolina | 1 | $ 235,000 | $ 235,000 | $ 169,000 |
| Williamsburg, South Carolina | 1 | $ 40,000 | $ 40,000 | $ 48,000 |
| Anderson, Tennessee | 1 | $ 400,000 | $ 400,000 | $ 368,000 |
| Campbell, Tennessee | 1 | $ 187,000 | $ 187,000 | $ 8,000 |
| Carter, Tennessee | 1 | $ 26,000 | $ 26,000 | $ 60,000 |
| Johnson, Tennessee | 1 | $ 48,000 | $ 48,000 | $ 43,000 |
| Loudon, Tennessee | 1 | $ 800,000 | $ 800,000 | $ 195,000 |
| Robertson, Tennessee | 1 | $ 417,000 | $ 417,000 | $ 252,000 |
| Rutherford, Tennessee | 1 | $ 19,000 | $ 19,000 | $ 90,000 |
| Sumner, Tennessee | 1 | $ 133,000 | $ 133,000 | $ 78,000 |
| Bexar, Texas | 1 | $ 116,000 | $ 116,000 | $ 56,000 |
| Dallas, Texas | 1 | $ 350,000 | $ 350,000 | $ 395,000 |
| Gillespie, Texas | 1 | $ 129,000 | $ 129,000 | $ 101,000 |
| Harris, Texas | 1 | $ 80,000 | $ 80,000 | $ 86,000 |
| Tarrant, Texas | 1 | $ 95,000 | $ 95,000 | $ 28,000 |
| Amelia, Virginia | 1 | $ 1,700,000 | $ 1,700,000 | $ 100,000 |
| Appomattox, Virginia | 1 | $ 72,000 | $ 72,000 | $ 81,000 |
| Caroline, Virginia | 1 | $ 263,000 | $ 263,000 | $ 102,000 |
| Chesapeake, Virginia | 1 | $ 220,000 | $ 220,000 | $ 126,000 |
| Craig, Virginia | 1 | $ 152,000 | $ 152,000 | $ 63,000 |
| Cumberland, Virginia | 1 | $ 37,000 | $ 37,000 | $ 125,000 |
| Dinwiddie, Virginia | 1 | $ 43,000 | $ 43,000 | $ 42,000 |
| Fauquier, Virginia | 1 | $ 338,000 | $ 338,000 | $ 92,000 |
| Fluvanna, Virginia | 1 | $ 110,000 | $ 110,000 | $ 113,000 |
| Fredericksburg, Virginia | 1 | $ 276,000 | $ 276,000 | $ 53,000 |
| Goochland, Virginia | 1 | $ 330,000 | $ 330,000 | $ 310,000 |
| Greene, Virginia | 1 | $ 417,000 | $ 417,000 | $ 133,000 |
| Henry, Virginia | 1 | $ 27,000 | $ 27,000 | $ 29,000 |
| King George, Virginia | 1 | $ 86,000 | $ 86,000 | $ 85,000 |
| Martinsville, Virginia | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Middlesex, Virginia | 1 | $ 417,000 | $ 417,000 | $ 120,000 |
| Nelson, Virginia | 1 | $ 317,000 | $ 317,000 | $ 257,000 |
| Orange, Virginia | 1 | $ 136,000 | $ 136,000 | $ 128,000 |
| Page, Virginia | 1 | $ 160,000 | $ 160,000 | $ 56,000 |
| Radford, Virginia | 1 | $ 131,000 | $ 131,000 | $ 50,000 |
| Rockbridge, Virginia | 1 | $ 51,000 | $ 51,000 | $ 24,000 |
| Shenandoah, Virginia | 1 | $ 140,000 | $ 140,000 | $ 39,000 |
| Southampton, Virginia | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Tazewell, Virginia | 1 | $ 116,000 | $ 116,000 | $ 70,000 |
| Winchester, Virginia | 1 | $ 270,000 | $ 270,000 | $ 82,000 |
| Wyoming, West Virginia | 1 | $ 70,000 | $ 70,000 | $ 705,000 |
Mortgage Loan Application Detail Totals for First-Citizens Bank & Trust Co in 2008
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 |
|---|---|---|---|---|---|---|
| Refinancing | 2,374 | $456,481,000 | $192,000 | $3,000,000 | $106,000 | $2,505,000 |
| Home Purchase | 2,062 | $402,005,000 | $194,000 | $2,600,000 | $118,000 | $2,683,000 |
| Home Improvement | 334 | $39,807,000 | $119,000 | $863,000 | $84,000 | $1,120,000 |
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 | 3,794 | $724,256,000 | $190,000 | $3,000,000 | $114,000 | $2,505,000 |
| Black or African American | 314 | $36,188,000 | $115,000 | $900,000 | $70,000 | $665,000 |
| Not Provided | 247 | $48,431,000 | $196,000 | $1,028,000 | $156,000 | $2,683,000 |
| Not applicable | 196 | $40,480,000 | $206,000 | $1,650,000 | $6,000 | $100,000 |
| Hispanic | 77 | $13,034,000 | $169,000 | $1,800,000 | $88,000 | $698,000 |
| Asian | 76 | $24,097,000 | $317,000 | $2,000,000 | $182,000 | $1,866,000 |
| American Indian or Alaskan Native | 36 | $3,751,000 | $104,000 | $317,000 | $61,000 | $136,000 |
| Native Hawaiian or Other Pacific Islander | 30 | $8,056,000 | $268,000 | $1,225,000 | $189,000 | $714,000 |
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) | 4,580 | $873,769,000 | $190,000 | $3,000,000 | $112,000 | $2,683,000 |
| FHA-insured (Federal Housing Administration) | 169 | $20,725,000 | $122,000 | $407,000 | $49,000 | $250,000 |
| VA-guaranteed (Veterans Administration) | 19 | $3,356,000 | $176,000 | $485,000 | $63,000 | $134,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $443,000 | $221,000 | $385,000 | $222,000 | $400,000 |
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 | 3,074 | $617,097,000 | $200,000 | $3,000,000 | $123,000 | $2,683,000 |
| Application Denied By Financial Institution | 790 | $106,070,000 | $134,000 | $2,600,000 | $69,000 | $1,492,000 |
| Application Withdrawn By Applicant | 372 | $82,443,000 | $221,000 | $2,227,000 | $126,000 | $912,000 |
| Application Approved But Not Accepted | 309 | $51,667,000 | $167,000 | $775,000 | $90,000 | $942,000 |
| File Closed For Incompleteness | 146 | $29,463,000 | $201,000 | $995,000 | $90,000 | $570,000 |
| Loan Purchased By The Institution | 42 | $6,111,000 | $145,000 | $265,000 | $41,000 | $73,000 |
| Preapproval Denied by Financial Institution | 37 | $5,442,000 | $147,000 | $360,000 | $57,000 | $309,000 |
| 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 2008 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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