First-Citizens Bank & Trust Co
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
First-Citizens Bank & Trust Co 2008 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 | 4,770 |
| Total Mortgage Loan Application Amount | $898,293,000 |
| Average Mortgage Loan Application Amount | $168,333 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $102,666 |
| Highest Applicant Income | $2,683,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | 315 | $ 76,115,000 | $ 241,000 | $ 138,000 |
| Buncombe County North Carolina | 168 | $ 38,652,000 | $ 230,000 | $ 124,000 |
| Henderson County North Carolina | 153 | $ 39,084,000 | $ 255,000 | $ 105,000 |
| Carteret County North Carolina | 135 | $ 30,550,000 | $ 226,000 | $ 134,000 |
| Mecklenburg County North Carolina | 135 | $ 30,385,000 | $ 225,000 | $ 139,000 |
| New Hanover County North Carolina | 129 | $ 40,619,000 | $ 314,000 | $ 190,000 |
| Johnston County North Carolina | 121 | $ 15,143,000 | $ 125,000 | $ 82,000 |
| Pitt County North Carolina | 118 | $ 29,320,000 | $ 248,000 | $ 126,000 |
| Forsyth County North Carolina | 110 | $ 21,591,000 | $ 196,000 | $ 128,000 |
| Caldwell County North Carolina | 106 | $ 9,524,000 | $ 89,000 | $ 67,000 |
| Guilford County North Carolina | 106 | $ 22,391,000 | $ 211,000 | $ 113,000 |
| Onslow County North Carolina | 103 | $ 14,852,000 | $ 144,000 | $ 75,000 |
| Cumberland County North Carolina | 100 | $ 14,102,000 | $ 141,000 | $ 107,000 |
| Brunswick County North Carolina | 83 | $ 19,702,000 | $ 237,000 | $ 113,000 |
| Burke County North Carolina | 81 | $ 11,146,000 | $ 137,000 | $ 86,000 |
| Catawba County North Carolina | 78 | $ 13,800,000 | $ 176,000 | $ 118,000 |
| Union County North Carolina | 76 | $ 12,740,000 | $ 167,000 | $ 81,000 |
| Craven County North Carolina | 69 | $ 15,688,000 | $ 227,000 | $ 124,000 |
| Roanoke County Virginia | 69 | $ 12,255,000 | $ 177,000 | $ 101,000 |
| Franklin County North Carolina | 55 | $ 5,424,000 | $ 98,000 | $ 67,000 |
| Greenbrier County West Virginia | 55 | $ 7,979,000 | $ 145,000 | $ 68,000 |
| Pittsylvania County Virginia | 53 | $ 8,564,000 | $ 161,000 | $ 72,000 |
| Sampson County North Carolina | 51 | $ 4,255,000 | $ 83,000 | $ 67,000 |
| Iredell County North Carolina | 47 | $ 9,064,000 | $ 192,000 | $ 88,000 |
| Harnett County North Carolina | 46 | $ 4,349,000 | $ 94,000 | $ 76,000 |
| Transylvania County North Carolina | 46 | $ 11,134,000 | $ 242,000 | $ 100,000 |
| Jackson County North Carolina | 44 | $ 11,828,000 | $ 268,000 | $ 154,000 |
| Pender County North Carolina | 44 | $ 6,569,000 | $ 149,000 | $ 69,000 |
| Ashe County North Carolina | 42 | $ 6,645,000 | $ 158,000 | $ 78,000 |
| Watauga County North Carolina | 42 | $ 11,718,000 | $ 279,000 | $ 184,000 |
| Danville County Virginia | 42 | $ 5,166,000 | $ 123,000 | $ 83,000 |
| Wayne County North Carolina | 41 | $ 5,529,000 | $ 134,000 | $ 78,000 |
| Mecklenburg County Virginia | 41 | $ 5,926,000 | $ 144,000 | $ 93,000 |
| Rockingham County North Carolina | 40 | $ 2,967,000 | $ 74,000 | $ 45,000 |
| Pocahontas County West Virginia | 39 | $ 3,216,000 | $ 82,000 | $ 56,000 |
| Bladen County North Carolina | 38 | $ 3,441,000 | $ 90,000 | $ 75,000 |
| Cherokee County North Carolina | 38 | $ 5,583,000 | $ 146,000 | $ 91,000 |
| Wilkes County North Carolina | 37 | $ 5,314,000 | $ 143,000 | $ 60,000 |
| Bedford County Virginia | 37 | $ 7,914,000 | $ 213,000 | $ 113,000 |
| Halifax County North Carolina | 36 | $ 6,074,000 | $ 168,000 | $ 110,000 |
| Roanoke City County Virginia | 35 | $ 6,502,000 | $ 185,000 | $ 102,000 |
| Avery County North Carolina | 34 | $ 8,388,000 | $ 246,000 | $ 155,000 |
| Beaufort County North Carolina | 34 | $ 6,024,000 | $ 177,000 | $ 121,000 |
| Rutherford County North Carolina | 33 | $ 4,568,000 | $ 138,000 | $ 82,000 |
| Lenoir County North Carolina | 30 | $ 3,271,000 | $ 109,000 | $ 88,000 |
| Surry County North Carolina | 30 | $ 5,080,000 | $ 169,000 | $ 118,000 |
| Brunswick County Virginia | 30 | $ 2,375,000 | $ 79,000 | $ 48,000 |
| Columbus County North Carolina | 29 | $ 2,448,000 | $ 84,000 | $ 78,000 |
| Durham County North Carolina | 29 | $ 4,909,000 | $ 169,000 | $ 105,000 |
| Haywood County North Carolina | 29 | $ 5,651,000 | $ 194,000 | $ 76,000 |
| Swain County North Carolina | 29 | $ 3,246,000 | $ 111,000 | $ 66,000 |
| Stanly County North Carolina | 28 | $ 5,340,000 | $ 190,000 | $ 75,000 |
| Stokes County North Carolina | 27 | $ 3,142,000 | $ 116,000 | $ 68,000 |
| Montgomery County Virginia | 27 | $ 5,368,000 | $ 198,000 | $ 177,000 |
| Graham County North Carolina | 26 | $ 2,936,000 | $ 112,000 | $ 74,000 |
| Moore County North Carolina | 26 | $ 5,705,000 | $ 219,000 | $ 121,000 |
| Pasquotank County North Carolina | 26 | $ 3,480,000 | $ 133,000 | $ 76,000 |
| Horry County South Carolina | 24 | $ 6,579,000 | $ 274,000 | $ 206,000 |
| Cabarrus County North Carolina | 22 | $ 4,689,000 | $ 213,000 | $ 100,000 |
| Lee County North Carolina | 22 | $ 3,657,000 | $ 166,000 | $ 81,000 |
| Macon County North Carolina | 22 | $ 5,126,000 | $ 233,000 | $ 110,000 |
| Pamlico County North Carolina | 22 | $ 4,059,000 | $ 184,000 | $ 80,000 |
| Albemarle County Virginia | 22 | $ 5,935,000 | $ 269,000 | $ 187,000 |
| Chatham County North Carolina | 21 | $ 5,738,000 | $ 273,000 | $ 216,000 |
| Alexander County North Carolina | 20 | $ 2,367,000 | $ 118,000 | $ 68,000 |
| McDowell County North Carolina | 20 | $ 3,211,000 | $ 160,000 | $ 92,000 |
| Augusta County Virginia | 20 | $ 3,542,000 | $ 177,000 | $ 120,000 |
| Orange County North Carolina | 19 | $ 5,659,000 | $ 297,000 | $ 262,000 |
| Alleghany County Virginia | 19 | $ 940,000 | $ 49,000 | $ 55,000 |
| Clay County North Carolina | 18 | $ 3,527,000 | $ 195,000 | $ 129,000 |
| Davidson County North Carolina | 18 | $ 4,262,000 | $ 236,000 | $ 129,000 |
| Lincoln County North Carolina | 18 | $ 3,424,000 | $ 190,000 | $ 68,000 |
| Wilson County North Carolina | 18 | $ 2,652,000 | $ 147,000 | $ 107,000 |
| Lynchburg County Virginia | 18 | $ 2,806,000 | $ 155,000 | $ 95,000 |
| Nash County North Carolina | 17 | $ 2,546,000 | $ 149,000 | $ 152,000 |
| Polk County North Carolina | 17 | $ 3,342,000 | $ 196,000 | $ 125,000 |
| Knox County Tennessee | 17 | $ 4,178,000 | $ 245,000 | $ 169,000 |
| Madison County North Carolina | 16 | $ 1,700,000 | $ 106,000 | $ 66,000 |
| Duplin County North Carolina | 15 | $ 646,000 | $ 43,000 | $ 65,000 |
| Greene County North Carolina | 15 | $ 1,800,000 | $ 120,000 | $ 50,000 |
| Warren County North Carolina | 15 | $ 4,958,000 | $ 330,000 | $ 175,000 |
| Randolph County North Carolina | 14 | $ 1,836,000 | $ 131,000 | $ 79,000 |
| Davidson County Tennessee | 13 | $ 1,806,000 | $ 138,000 | $ 65,000 |
| Botetourt County Virginia | 13 | $ 1,902,000 | $ 146,000 | $ 58,000 |
| Charlotte County Virginia | 13 | $ 1,805,000 | $ 138,000 | $ 117,000 |
| Franklin County Virginia | 13 | $ 3,432,000 | $ 264,000 | $ 152,000 |
| Rockingham County Virginia | 13 | $ 3,189,000 | $ 245,000 | $ 107,000 |
| Anne Arundel County Maryland | 12 | $ 2,739,000 | $ 228,000 | $ 71,000 |
| Vance County North Carolina | 12 | $ 766,000 | $ 63,000 | $ 109,000 |
| Carroll County Virginia | 12 | $ 1,528,000 | $ 127,000 | $ 68,000 |
| Gates County North Carolina | 11 | $ 2,551,000 | $ 231,000 | $ 95,000 |
| Chesterfield County Virginia | 11 | $ 2,293,000 | $ 208,000 | $ 125,000 |
| Spotsylvania County Virginia | 11 | $ 2,987,000 | $ 271,000 | $ 140,000 |
| Campbell County Virginia | 10 | $ 1,047,000 | $ 104,000 | $ 56,000 |
| Henrico County Virginia | 10 | $ 1,873,000 | $ 187,000 | $ 65,000 |
| Lunenburg County Virginia | 10 | $ 1,198,000 | $ 119,000 | $ 48,000 |
| Warren County Virginia | 10 | $ 1,793,000 | $ 179,000 | $ 82,000 |
| Davie County North Carolina | 9 | $ 2,333,000 | $ 259,000 | $ 159,000 |
| Gaston County North Carolina | 9 | $ 1,078,000 | $ 119,000 | $ 104,000 |
| Lancaster County South Carolina | 9 | $ 2,522,000 | $ 280,000 | $ 227,000 |
| Oconee County South Carolina | 9 | $ 2,133,000 | $ 237,000 | $ 151,000 |
| Sevier County Tennessee | 9 | $ 3,564,000 | $ 396,000 | $ 255,000 |
| Alleghany County North Carolina | 8 | $ 1,055,000 | $ 131,000 | $ 37,000 |
| Anson County North Carolina | 8 | $ 1,221,000 | $ 152,000 | $ 75,000 |
| Rowan County North Carolina | 8 | $ 973,000 | $ 121,000 | $ 53,000 |
| Yadkin County North Carolina | 8 | $ 474,000 | $ 59,000 | $ 45,000 |
| York County South Carolina | 8 | $ 2,169,000 | $ 271,000 | $ 74,000 |
| Richmond City County Virginia | 8 | $ 1,503,000 | $ 187,000 | $ 161,000 |
| Salem County Virginia | 8 | $ 1,136,000 | $ 142,000 | $ 51,000 |
| Granville County North Carolina | 6 | $ 798,000 | $ 133,000 | $ 71,000 |
| Martin County North Carolina | 6 | $ 533,000 | $ 88,000 | $ 59,000 |
| Montgomery County North Carolina | 6 | $ 1,510,000 | $ 251,000 | $ 287,000 |
| Robeson County North Carolina | 6 | $ 488,000 | $ 81,000 | $ 83,000 |
| Greenville County South Carolina | 6 | $ 1,832,000 | $ 305,000 | $ 161,000 |
| Charlottesville County Virginia | 6 | $ 2,257,000 | $ 376,000 | $ 93,000 |
| Floyd County Virginia | 6 | $ 886,000 | $ 147,000 | $ 58,000 |
| Grayson County Virginia | 6 | $ 989,000 | $ 164,000 | $ 100,000 |
| Staunton County Virginia | 6 | $ 1,487,000 | $ 247,000 | $ 93,000 |
| Monroe County West Virginia | 6 | $ 793,000 | $ 132,000 | $ 30,000 |
| Dare County North Carolina | 5 | $ 1,494,000 | $ 298,000 | $ 313,000 |
| Edgecombe County North Carolina | 5 | $ 459,000 | $ 91,000 | $ 184,000 |
| Hoke County North Carolina | 5 | $ 448,000 | $ 89,000 | $ 62,000 |
| Jones County North Carolina | 5 | $ 808,000 | $ 161,000 | $ 52,000 |
| Perquimans County North Carolina | 5 | $ 693,000 | $ 138,000 | $ 114,000 |
| Fairfax County Virginia | 5 | $ 1,441,000 | $ 288,000 | $ 94,000 |
| Greensville County Virginia | 5 | $ 531,000 | $ 106,000 | $ 56,000 |
| Halifax County Virginia | 5 | $ 457,000 | $ 91,000 | $ 32,000 |
| Harrisonburg County Virginia | 5 | $ 833,000 | $ 166,000 | $ 35,000 |
| Nottoway County Virginia | 5 | $ 922,000 | $ 184,000 | $ 64,000 |
| Collier County Florida | 4 | $ 1,044,000 | $ 261,000 | $ 287,000 |
| Camden County North Carolina | 4 | $ 568,000 | $ 142,000 | $ 56,000 |
| Hertford County North Carolina | 4 | $ 744,000 | $ 186,000 | $ 159,000 |
| Northampton County North Carolina | 4 | $ 243,000 | $ 60,000 | $ 51,000 |
| Yancey County North Carolina | 4 | $ 594,000 | $ 148,000 | $ 102,000 |
| Beaufort County South Carolina | 4 | $ 1,660,000 | $ 415,000 | $ 359,000 |
| Travis County Texas | 4 | $ 975,000 | $ 243,000 | $ 180,000 |
| Frederick County Virginia | 4 | $ 517,000 | $ 129,000 | $ 29,000 |
| Nicholas County West Virginia | 4 | $ 222,000 | $ 55,000 | $ 56,000 |
| Chowan County North Carolina | 3 | $ 672,000 | $ 224,000 | $ 125,000 |
| Georgetown County South Carolina | 3 | $ 802,000 | $ 267,000 | $ 176,000 |
| Williamson County Tennessee | 3 | $ 739,000 | $ 246,000 | $ 170,000 |
| Amherst County Virginia | 3 | $ 636,000 | $ 212,000 | $ 156,000 |
| Bath County Virginia | 3 | $ 235,000 | $ 78,000 | $ 118,000 |
| Emporia County Virginia | 3 | $ 203,000 | $ 67,000 | $ 37,000 |
| Galax County Virginia | 3 | $ 597,000 | $ 199,000 | $ 108,000 |
| Hanover County Virginia | 3 | $ 611,000 | $ 203,000 | $ 250,000 |
| Loudoun County Virginia | 3 | $ 696,000 | $ 232,000 | $ 264,000 |
| Stafford County Virginia | 3 | $ 1,123,000 | $ 374,000 | $ 90,000 |
| Randolph County West Virginia | 3 | $ 201,000 | $ 67,000 | $ 60,000 |
| Summers County West Virginia | 3 | $ 145,000 | $ 48,000 | $ 57,000 |
| La Plata County Colorado | 2 | $ 910,000 | $ 455,000 | $ 580,000 |
| Pinellas County Florida | 2 | $ 602,000 | $ 301,000 | $ 103,000 |
| Sarasota County Florida | 2 | $ 294,000 | $ 147,000 | $ 119,000 |
| DeKalb County Georgia | 2 | $ 258,000 | $ 129,000 | $ 103,000 |
| Fulton County Georgia | 2 | $ 290,000 | $ 145,000 | $ 193,000 |
| Baltimore County Maryland | 2 | $ 638,000 | $ 319,000 | $ 83,000 |
| Howard County Maryland | 2 | $ 616,000 | $ 308,000 | $ 97,000 |
| Alamance County North Carolina | 2 | $ 557,000 | $ 278,000 | $ 116,000 |
| Bertie County North Carolina | 2 | $ 52,000 | $ 26,000 | $ 69,000 |
| Caswell County North Carolina | 2 | $ 51,000 | $ 25,000 | $ 57,000 |
| Cleveland County North Carolina | 2 | $ 280,000 | $ 140,000 | $ 30,000 |
| Person County North Carolina | 2 | $ 800,000 | $ 400,000 | $ 245,000 |
| Charleston County South Carolina | 2 | $ 740,000 | $ 370,000 | $ 251,000 |
| Florence County South Carolina | 2 | $ 341,000 | $ 170,000 | $ 69,000 |
| Pickens County South Carolina | 2 | $ 742,000 | $ 371,000 | $ 546,000 |
| Blount County Tennessee | 2 | $ 1,714,000 | $ 857,000 | $ 382,000 |
| Hamilton County Tennessee | 2 | $ 712,000 | $ 356,000 | $ 609,000 |
| Roane County Tennessee | 2 | $ 323,000 | $ 161,000 | $ 62,000 |
| Washington County Tennessee | 2 | $ 243,000 | $ 121,000 | $ 37,000 |
| Bedford City County Virginia | 2 | $ 176,000 | $ 88,000 | $ 70,000 |
| Clarke County Virginia | 2 | $ 834,000 | $ 417,000 | $ 280,000 |
| Covington County Virginia | 2 | $ 64,000 | $ 32,000 | $ 54,000 |
| Giles County Virginia | 2 | $ 458,000 | $ 229,000 | $ 117,000 |
| Louisa County Virginia | 2 | $ 599,000 | $ 299,000 | $ 78,000 |
| Northumberland County Virginia | 2 | $ 425,000 | $ 212,000 | $ 121,000 |
| Patrick County Virginia | 2 | $ 500,000 | $ 250,000 | $ 83,000 |
| Prince Edward County Virginia | 2 | $ 174,000 | $ 87,000 | $ 41,000 |
| Prince William County Virginia | 2 | $ 610,000 | $ 305,000 | $ 268,000 |
| Pulaski County Virginia | 2 | $ 263,000 | $ 131,000 | $ 132,000 |
| Virginia Beach County Virginia | 2 | $ 578,000 | $ 289,000 | $ 184,000 |
| Washington County Virginia | 2 | $ 486,000 | $ 243,000 | $ 250,000 |
| Waynesboro County Virginia | 2 | $ 181,000 | $ 90,000 | $ 84,000 |
| Wythe County Virginia | 2 | $ 352,000 | $ 176,000 | $ 53,000 |
| Yavapai County Arizona | 1 | $ 162,000 | $ 162,000 | $ 69,000 |
| Riverside County California | 1 | $ 154,000 | $ 154,000 | $ 243,000 |
| Solano County California | 1 | $ 190,000 | $ 190,000 | $ 100,000 |
| Delta County Colorado | 1 | $ 218,000 | $ 218,000 | $ 175,000 |
| Denver County Colorado | 1 | $ 305,000 | $ 305,000 | $ 200,000 |
| Jefferson County Colorado | 1 | $ 170,000 | $ 170,000 | $ 179,000 |
| San Juan County Colorado | 1 | $ 235,000 | $ 235,000 | $ 612,000 |
| Duval County Florida | 1 | $ 305,000 | $ 305,000 | $ 35,000 |
| Flagler County Florida | 1 | $ 700,000 | $ 700,000 | $ 320,000 |
| Lee County Florida | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| Levy County Florida | 1 | $ 300,000 | $ 300,000 | $ 92,000 |
| Nassau County Florida | 1 | $ 335,000 | $ 335,000 | $ 325,000 |
| Walton County Florida | 1 | $ 388,000 | $ 388,000 | $ 378,000 |
| Forsyth County Georgia | 1 | $ 140,000 | $ 140,000 | $ 41,000 |
| Greene County Georgia | 1 | $ 3,000,000 | $ 3,000,000 | $ 2,505,000 |
| Gwinnett County Georgia | 1 | $ 209,000 | $ 209,000 | $ 85,000 |
| Baltimore City County Maryland | 1 | $ 330,000 | $ 330,000 | $ 0 |
| Queen Anne's County Maryland | 1 | $ 600,000 | $ 600,000 | $ 163,000 |
| Santa Fe County New Mexico | 1 | $ 328,000 | $ 328,000 | $ 96,000 |
| Mitchell County North Carolina | 1 | $ 64,000 | $ 64,000 | $ 33,000 |
| Richmond County North Carolina | 1 | $ 118,000 | $ 118,000 | $ 33,000 |
| Anderson County South Carolina | 1 | $ 400,000 | $ 400,000 | $ 104,000 |
| Cherokee County South Carolina | 1 | $ 148,000 | $ 148,000 | $ 70,000 |
| Chesterfield County South Carolina | 1 | $ 148,000 | $ 148,000 | $ 39,000 |
| Darlington County South Carolina | 1 | $ 255,000 | $ 255,000 | $ 57,000 |
| Fairfield County South Carolina | 1 | $ 417,000 | $ 417,000 | $ 36,000 |
| Lexington County South Carolina | 1 | $ 200,000 | $ 200,000 | $ 127,000 |
| Newberry County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 169,000 |
| Williamsburg County South Carolina | 1 | $ 40,000 | $ 40,000 | $ 48,000 |
| Anderson County Tennessee | 1 | $ 400,000 | $ 400,000 | $ 368,000 |
| Campbell County Tennessee | 1 | $ 187,000 | $ 187,000 | $ 8,000 |
| Carter County Tennessee | 1 | $ 26,000 | $ 26,000 | $ 60,000 |
| Johnson County Tennessee | 1 | $ 48,000 | $ 48,000 | $ 43,000 |
| Loudon County Tennessee | 1 | $ 800,000 | $ 800,000 | $ 195,000 |
| Robertson County Tennessee | 1 | $ 417,000 | $ 417,000 | $ 252,000 |
| Rutherford County Tennessee | 1 | $ 19,000 | $ 19,000 | $ 90,000 |
| Sumner County Tennessee | 1 | $ 133,000 | $ 133,000 | $ 78,000 |
| Bexar County Texas | 1 | $ 116,000 | $ 116,000 | $ 56,000 |
| Dallas County Texas | 1 | $ 350,000 | $ 350,000 | $ 395,000 |
| Gillespie County Texas | 1 | $ 129,000 | $ 129,000 | $ 101,000 |
| Harris County Texas | 1 | $ 80,000 | $ 80,000 | $ 86,000 |
| Tarrant County Texas | 1 | $ 95,000 | $ 95,000 | $ 28,000 |
| Amelia County Virginia | 1 | $ 1,700,000 | $ 1,700,000 | $ 100,000 |
| Appomattox County Virginia | 1 | $ 72,000 | $ 72,000 | $ 81,000 |
| Caroline County Virginia | 1 | $ 263,000 | $ 263,000 | $ 102,000 |
| Chesapeake County Virginia | 1 | $ 220,000 | $ 220,000 | $ 126,000 |
| Craig County Virginia | 1 | $ 152,000 | $ 152,000 | $ 63,000 |
| Cumberland County Virginia | 1 | $ 37,000 | $ 37,000 | $ 125,000 |
| Dinwiddie County Virginia | 1 | $ 43,000 | $ 43,000 | $ 42,000 |
| Fauquier County Virginia | 1 | $ 338,000 | $ 338,000 | $ 92,000 |
| Fluvanna County Virginia | 1 | $ 110,000 | $ 110,000 | $ 113,000 |
| Fredericksburg County Virginia | 1 | $ 276,000 | $ 276,000 | $ 53,000 |
| Goochland County Virginia | 1 | $ 330,000 | $ 330,000 | $ 310,000 |
| Greene County Virginia | 1 | $ 417,000 | $ 417,000 | $ 133,000 |
| Henry County Virginia | 1 | $ 27,000 | $ 27,000 | $ 29,000 |
| King George County Virginia | 1 | $ 86,000 | $ 86,000 | $ 85,000 |
| Martinsville County Virginia | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Middlesex County Virginia | 1 | $ 417,000 | $ 417,000 | $ 120,000 |
| Nelson County Virginia | 1 | $ 317,000 | $ 317,000 | $ 257,000 |
| Orange County Virginia | 1 | $ 136,000 | $ 136,000 | $ 128,000 |
| Page County Virginia | 1 | $ 160,000 | $ 160,000 | $ 56,000 |
| Radford County Virginia | 1 | $ 131,000 | $ 131,000 | $ 50,000 |
| Rockbridge County Virginia | 1 | $ 51,000 | $ 51,000 | $ 24,000 |
| Shenandoah County Virginia | 1 | $ 140,000 | $ 140,000 | $ 39,000 |
| Southampton County Virginia | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Tazewell County Virginia | 1 | $ 116,000 | $ 116,000 | $ 70,000 |
| Winchester County Virginia | 1 | $ 270,000 | $ 270,000 | $ 82,000 |
| Wyoming County 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.