First-Citizens Bank & Trust Co
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
First-Citizens Bank & Trust Co 2009 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 | 7,284 |
| Total Mortgage Loan Application Amount | $1,410,647,000 |
| Average Mortgage Loan Application Amount | $169,666 |
| Highest Mortgage Loan Application Amount | $7,871,000 |
| Average Applicant Income | $105,000 |
| Highest Applicant Income | $6,126,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| 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 | 591 | $ 139,670,000 | $ 236,000 | $ 147,000 |
| Buncombe County North Carolina | 268 | $ 61,897,000 | $ 230,000 | $ 140,000 |
| Mecklenburg County North Carolina | 224 | $ 45,032,000 | $ 201,000 | $ 136,000 |
| New Hanover County North Carolina | 223 | $ 54,316,000 | $ 243,000 | $ 145,000 |
| Henderson County North Carolina | 222 | $ 49,081,000 | $ 221,000 | $ 111,000 |
| Guilford County North Carolina | 170 | $ 30,432,000 | $ 179,000 | $ 134,000 |
| Carteret County North Carolina | 166 | $ 38,587,000 | $ 232,000 | $ 152,000 |
| Forsyth County North Carolina | 151 | $ 29,434,000 | $ 194,000 | $ 145,000 |
| Cumberland County North Carolina | 146 | $ 21,856,000 | $ 149,000 | $ 112,000 |
| Pitt County North Carolina | 145 | $ 31,991,000 | $ 220,000 | $ 144,000 |
| Brunswick County North Carolina | 144 | $ 30,516,000 | $ 211,000 | $ 122,000 |
| Johnston County North Carolina | 129 | $ 17,315,000 | $ 134,000 | $ 80,000 |
| Onslow County North Carolina | 116 | $ 18,468,000 | $ 159,000 | $ 100,000 |
| Union County North Carolina | 111 | $ 23,250,000 | $ 209,000 | $ 107,000 |
| Craven County North Carolina | 103 | $ 19,850,000 | $ 192,000 | $ 160,000 |
| Burke County North Carolina | 102 | $ 12,343,000 | $ 121,000 | $ 60,000 |
| Transylvania County North Carolina | 102 | $ 19,242,000 | $ 188,000 | $ 93,000 |
| Catawba County North Carolina | 97 | $ 13,076,000 | $ 134,000 | $ 94,000 |
| Caldwell County North Carolina | 96 | $ 14,378,000 | $ 149,000 | $ 85,000 |
| San Diego County California | 90 | $ 20,966,000 | $ 232,000 | $ 0 |
| Pittsylvania County Virginia | 78 | $ 10,816,000 | $ 138,000 | $ 67,000 |
| Durham County North Carolina | 76 | $ 16,199,000 | $ 213,000 | $ 151,000 |
| Roanoke County Virginia | 76 | $ 14,466,000 | $ 190,000 | $ 98,000 |
| Pierce County Washington | 76 | $ 41,150,000 | $ 541,000 | $ 10,000 |
| Watauga County North Carolina | 72 | $ 20,865,000 | $ 289,000 | $ 273,000 |
| Thurston County Washington | 68 | $ 11,084,000 | $ 163,000 | $ 8,000 |
| Danville County Virginia | 65 | $ 7,640,000 | $ 117,000 | $ 84,000 |
| Wayne County North Carolina | 61 | $ 6,336,000 | $ 103,000 | $ 72,000 |
| Sampson County North Carolina | 59 | $ 5,769,000 | $ 97,000 | $ 70,000 |
| Pender County North Carolina | 58 | $ 11,666,000 | $ 201,000 | $ 144,000 |
| Greenbrier County West Virginia | 58 | $ 9,483,000 | $ 163,000 | $ 75,000 |
| Moore County North Carolina | 57 | $ 19,834,000 | $ 347,000 | $ 197,000 |
| Pocahontas County West Virginia | 57 | $ 4,993,000 | $ 87,000 | $ 64,000 |
| Albemarle County Virginia | 56 | $ 16,123,000 | $ 287,000 | $ 144,000 |
| New York County New York | 54 | $ 1,316,000 | $ 24,000 | $ 0 |
| Mecklenburg County Virginia | 53 | $ 8,089,000 | $ 152,000 | $ 91,000 |
| Roanoke City County Virginia | 53 | $ 8,266,000 | $ 155,000 | $ 68,000 |
| Iredell County North Carolina | 52 | $ 11,152,000 | $ 214,000 | $ 99,000 |
| Wilkes County North Carolina | 50 | $ 7,652,000 | $ 153,000 | $ 81,000 |
| Ashe County North Carolina | 49 | $ 7,908,000 | $ 161,000 | $ 83,000 |
| Harnett County North Carolina | 48 | $ 5,178,000 | $ 107,000 | $ 76,000 |
| Lenoir County North Carolina | 48 | $ 4,930,000 | $ 102,000 | $ 122,000 |
| Beaufort County North Carolina | 47 | $ 8,836,000 | $ 188,000 | $ 122,000 |
| Jackson County North Carolina | 47 | $ 12,156,000 | $ 258,000 | $ 128,000 |
| Bladen County North Carolina | 45 | $ 6,164,000 | $ 136,000 | $ 108,000 |
| Haywood County North Carolina | 45 | $ 10,427,000 | $ 231,000 | $ 101,000 |
| Rockingham County North Carolina | 44 | $ 4,358,000 | $ 99,000 | $ 81,000 |
| King County Washington | 44 | $ 15,809,000 | $ 359,000 | $ 1,000 |
| Bedford County Virginia | 43 | $ 8,394,000 | $ 195,000 | $ 120,000 |
| Montgomery County Virginia | 43 | $ 8,360,000 | $ 194,000 | $ 92,000 |
| Macon County North Carolina | 42 | $ 11,324,000 | $ 269,000 | $ 134,000 |
| Avery County North Carolina | 41 | $ 6,613,000 | $ 161,000 | $ 78,000 |
| Columbus County North Carolina | 41 | $ 5,487,000 | $ 133,000 | $ 62,000 |
| Stokes County North Carolina | 41 | $ 4,552,000 | $ 111,000 | $ 61,000 |
| Surry County North Carolina | 41 | $ 6,153,000 | $ 150,000 | $ 101,000 |
| Franklin County North Carolina | 39 | $ 5,481,000 | $ 140,000 | $ 78,000 |
| Rutherford County North Carolina | 39 | $ 3,895,000 | $ 99,000 | $ 67,000 |
| Chatham County North Carolina | 38 | $ 8,488,000 | $ 223,000 | $ 122,000 |
| Lincoln County North Carolina | 38 | $ 6,164,000 | $ 162,000 | $ 109,000 |
| Hunterdon County New Jersey | 37 | $ 1,155,000 | $ 31,000 | $ 0 |
| Cabarrus County North Carolina | 36 | $ 6,458,000 | $ 179,000 | $ 120,000 |
| Botetourt County Virginia | 36 | $ 6,861,000 | $ 190,000 | $ 85,000 |
| Orange County North Carolina | 35 | $ 9,121,000 | $ 260,000 | $ 231,000 |
| Swain County North Carolina | 35 | $ 4,281,000 | $ 122,000 | $ 77,000 |
| Madison County North Carolina | 33 | $ 5,214,000 | $ 158,000 | $ 66,000 |
| Brunswick County Virginia | 33 | $ 2,248,000 | $ 68,000 | $ 57,000 |
| Lee County North Carolina | 32 | $ 5,086,000 | $ 158,000 | $ 103,000 |
| Pamlico County North Carolina | 32 | $ 7,341,000 | $ 229,000 | $ 100,000 |
| Augusta County Virginia | 31 | $ 5,396,000 | $ 174,000 | $ 100,000 |
| Horry County South Carolina | 29 | $ 7,416,000 | $ 255,000 | $ 559,000 |
| McDowell County North Carolina | 27 | $ 4,104,000 | $ 152,000 | $ 130,000 |
| Knox County Tennessee | 27 | $ 8,084,000 | $ 299,000 | $ 179,000 |
| Alleghany County Virginia | 27 | $ 1,678,000 | $ 62,000 | $ 52,000 |
| Alleghany County North Carolina | 26 | $ 3,322,000 | $ 127,000 | $ 93,000 |
| Lynchburg County Virginia | 26 | $ 4,494,000 | $ 172,000 | $ 171,000 |
| Graham County North Carolina | 25 | $ 2,910,000 | $ 116,000 | $ 60,000 |
| Stanly County North Carolina | 25 | $ 3,147,000 | $ 125,000 | $ 89,000 |
| Alexander County North Carolina | 24 | $ 4,441,000 | $ 185,000 | $ 64,000 |
| Davie County North Carolina | 24 | $ 5,600,000 | $ 233,000 | $ 107,000 |
| Wilson County North Carolina | 24 | $ 3,151,000 | $ 131,000 | $ 74,000 |
| Franklin County Virginia | 24 | $ 5,741,000 | $ 239,000 | $ 151,000 |
| Santa Barbara County California | 22 | $ 876,000 | $ 39,000 | $ 0 |
| Halifax County North Carolina | 21 | $ 3,524,000 | $ 167,000 | $ 252,000 |
| Rockingham County Virginia | 21 | $ 4,597,000 | $ 218,000 | $ 138,000 |
| Davidson County North Carolina | 19 | $ 3,597,000 | $ 189,000 | $ 131,000 |
| Greene County North Carolina | 19 | $ 1,494,000 | $ 78,000 | $ 115,000 |
| Charlottesville County Virginia | 19 | $ 3,160,000 | $ 166,000 | $ 98,000 |
| Lewis County Washington | 19 | $ 2,429,000 | $ 127,000 | $ 9,000 |
| Anne Arundel County Maryland | 18 | $ 5,247,000 | $ 291,000 | $ 77,000 |
| Nash County North Carolina | 18 | $ 2,526,000 | $ 140,000 | $ 124,000 |
| Polk County North Carolina | 18 | $ 3,656,000 | $ 203,000 | $ 93,000 |
| Carroll County Virginia | 18 | $ 1,668,000 | $ 92,000 | $ 72,000 |
| Orange County California | 17 | $ 2,268,000 | $ 133,000 | $ 0 |
| Cherokee County North Carolina | 17 | $ 2,725,000 | $ 160,000 | $ 87,000 |
| Pasquotank County North Carolina | 17 | $ 3,115,000 | $ 183,000 | $ 91,000 |
| Duplin County North Carolina | 16 | $ 1,542,000 | $ 96,000 | $ 63,000 |
| Warren County North Carolina | 16 | $ 3,433,000 | $ 214,000 | $ 134,000 |
| Yadkin County North Carolina | 16 | $ 2,144,000 | $ 134,000 | $ 85,000 |
| Grayson County Virginia | 16 | $ 1,677,000 | $ 104,000 | $ 48,000 |
| Riverside County California | 15 | $ 7,497,000 | $ 499,000 | $ 0 |
| Randolph County North Carolina | 15 | $ 4,923,000 | $ 328,000 | $ 51,000 |
| Grays Harbor County Washington | 15 | $ 417,000 | $ 27,000 | $ 0 |
| Los Angeles County California | 14 | $ 501,000 | $ 35,000 | $ 0 |
| Gates County North Carolina | 14 | $ 1,782,000 | $ 127,000 | $ 79,000 |
| Salem County Virginia | 14 | $ 1,982,000 | $ 141,000 | $ 48,000 |
| Hartford County Connecticut | 13 | $ 448,000 | $ 34,000 | $ 0 |
| Gaston County North Carolina | 13 | $ 3,938,000 | $ 302,000 | $ 196,000 |
| Vance County North Carolina | 13 | $ 2,039,000 | $ 156,000 | $ 90,000 |
| Providence County Rhode Island | 13 | $ 341,000 | $ 26,000 | $ 0 |
| Oconee County South Carolina | 13 | $ 4,106,000 | $ 315,000 | $ 298,000 |
| Davidson County Tennessee | 13 | $ 2,074,000 | $ 159,000 | $ 63,000 |
| Salt Lake County Utah | 13 | $ 405,000 | $ 31,000 | $ 0 |
| Henrico County Virginia | 13 | $ 3,289,000 | $ 253,000 | $ 123,000 |
| Staunton County Virginia | 13 | $ 2,494,000 | $ 191,000 | $ 91,000 |
| Essex County New Jersey | 12 | $ 652,000 | $ 54,000 | $ 0 |
| Charleston County South Carolina | 12 | $ 5,481,000 | $ 456,000 | $ 283,000 |
| Charlotte County Virginia | 12 | $ 1,043,000 | $ 86,000 | $ 50,000 |
| Chesterfield County Virginia | 12 | $ 3,070,000 | $ 255,000 | $ 130,000 |
| Clark County Nevada | 11 | $ 570,000 | $ 51,000 | $ 8,000 |
| Beaufort County South Carolina | 11 | $ 4,043,000 | $ 367,000 | $ 501,000 |
| Campbell County Virginia | 11 | $ 1,552,000 | $ 141,000 | $ 72,000 |
| Santa Clara County California | 10 | $ 623,000 | $ 62,000 | $ 0 |
| Dare County North Carolina | 10 | $ 2,388,000 | $ 238,000 | $ 253,000 |
| Harrisonburg County Virginia | 10 | $ 2,851,000 | $ 285,000 | $ 197,000 |
| Warren County Virginia | 10 | $ 1,884,000 | $ 188,000 | $ 46,000 |
| Martin County North Carolina | 9 | $ 705,000 | $ 78,000 | $ 57,000 |
| Northampton County North Carolina | 9 | $ 1,403,000 | $ 155,000 | $ 88,000 |
| York County South Carolina | 9 | $ 1,666,000 | $ 185,000 | $ 101,000 |
| Lunenburg County Virginia | 9 | $ 1,221,000 | $ 135,000 | $ 71,000 |
| Richmond City County Virginia | 9 | $ 2,729,000 | $ 303,000 | $ 163,000 |
| Monroe County West Virginia | 9 | $ 1,044,000 | $ 116,000 | $ 91,000 |
| Clay County North Carolina | 8 | $ 1,465,000 | $ 183,000 | $ 64,000 |
| Granville County North Carolina | 8 | $ 1,307,000 | $ 163,000 | $ 85,000 |
| Montgomery County North Carolina | 8 | $ 2,380,000 | $ 297,000 | $ 224,000 |
| Perquimans County North Carolina | 8 | $ 1,539,000 | $ 192,000 | $ 97,000 |
| Rowan County North Carolina | 8 | $ 6,334,000 | $ 791,000 | $ 130,000 |
| Greenville County South Carolina | 8 | $ 1,885,000 | $ 235,000 | $ 148,000 |
| Hamilton County Tennessee | 8 | $ 2,365,000 | $ 295,000 | $ 83,000 |
| Alamance County North Carolina | 7 | $ 1,074,000 | $ 153,000 | $ 64,000 |
| Camden County North Carolina | 7 | $ 887,000 | $ 126,000 | $ 60,000 |
| Hoke County North Carolina | 7 | $ 826,000 | $ 118,000 | $ 60,000 |
| Jones County North Carolina | 7 | $ 852,000 | $ 121,000 | $ 60,000 |
| Sevier County Tennessee | 7 | $ 1,150,000 | $ 164,000 | $ 179,000 |
| Floyd County Virginia | 7 | $ 1,108,000 | $ 158,000 | $ 81,000 |
| Galax County Virginia | 7 | $ 1,331,000 | $ 190,000 | $ 64,000 |
| Nottoway County Virginia | 7 | $ 656,000 | $ 93,000 | $ 74,000 |
| Anson County North Carolina | 6 | $ 686,000 | $ 114,000 | $ 62,000 |
| Caswell County North Carolina | 6 | $ 753,000 | $ 125,000 | $ 89,000 |
| Halifax County Virginia | 6 | $ 902,000 | $ 150,000 | $ 65,000 |
| Kitsap County Washington | 6 | $ 1,712,000 | $ 285,000 | $ 0 |
| Person County North Carolina | 5 | $ 1,500,000 | $ 300,000 | $ 117,000 |
| Robeson County North Carolina | 5 | $ 1,019,000 | $ 203,000 | $ 74,000 |
| Yancey County North Carolina | 5 | $ 1,225,000 | $ 245,000 | $ 109,000 |
| Kent County Rhode Island | 5 | $ 103,000 | $ 20,000 | $ 0 |
| Lancaster County South Carolina | 5 | $ 1,274,000 | $ 254,000 | $ 74,000 |
| Williamson County Tennessee | 5 | $ 1,251,000 | $ 250,000 | $ 128,000 |
| Amherst County Virginia | 5 | $ 761,000 | $ 152,000 | $ 173,000 |
| Bath County Virginia | 5 | $ 663,000 | $ 132,000 | $ 66,000 |
| Fairfax County Virginia | 5 | $ 636,000 | $ 127,000 | $ 109,000 |
| Greensville County Virginia | 5 | $ 675,000 | $ 135,000 | $ 50,000 |
| Hanover County Virginia | 5 | $ 1,081,000 | $ 216,000 | $ 100,000 |
| Pulaski County Virginia | 5 | $ 793,000 | $ 158,000 | $ 137,000 |
| Spotsylvania County Virginia | 5 | $ 875,000 | $ 175,000 | $ 85,000 |
| Mason County Washington | 5 | $ 1,577,000 | $ 315,000 | $ 9,000 |
| Placer County California | 4 | $ 474,000 | $ 118,000 | $ 45,000 |
| Cook County Illinois | 4 | $ 206,000 | $ 51,000 | $ 0 |
| Polk County Iowa | 4 | $ 53,000 | $ 13,000 | $ 0 |
| Edgecombe County North Carolina | 4 | $ 207,000 | $ 51,000 | $ 42,000 |
| Blount County Tennessee | 4 | $ 1,254,000 | $ 313,000 | $ 262,000 |
| Fluvanna County Virginia | 4 | $ 896,000 | $ 224,000 | $ 132,000 |
| Frederick County Virginia | 4 | $ 335,000 | $ 83,000 | $ 60,000 |
| Fredericksburg County Virginia | 4 | $ 1,029,000 | $ 257,000 | $ 304,000 |
| Middlesex County Virginia | 4 | $ 1,353,000 | $ 338,000 | $ 294,000 |
| Prince William County Virginia | 4 | $ 825,000 | $ 206,000 | $ 96,000 |
| Alameda County California | 3 | $ 353,000 | $ 117,000 | $ 48,000 |
| Collier County Florida | 3 | $ 1,251,000 | $ 417,000 | $ 446,000 |
| DeKalb County Georgia | 3 | $ 349,000 | $ 116,000 | $ 73,000 |
| Fulton County Georgia | 3 | $ 515,000 | $ 171,000 | $ 206,000 |
| Rabun County Georgia | 3 | $ 728,000 | $ 242,000 | $ 87,000 |
| Union County Georgia | 3 | $ 760,000 | $ 253,000 | $ 38,000 |
| Nassau County New York | 3 | $ 179,000 | $ 59,000 | $ 0 |
| Cleveland County North Carolina | 3 | $ 366,000 | $ 122,000 | $ 28,000 |
| Kershaw County South Carolina | 3 | $ 677,000 | $ 225,000 | $ 299,000 |
| Craig County Virginia | 3 | $ 307,000 | $ 102,000 | $ 84,000 |
| Goochland County Virginia | 3 | $ 988,000 | $ 329,000 | $ 103,000 |
| Greene County Virginia | 3 | $ 344,000 | $ 114,000 | $ 66,000 |
| Loudoun County Virginia | 3 | $ 798,000 | $ 266,000 | $ 133,000 |
| Nelson County Virginia | 3 | $ 837,000 | $ 279,000 | $ 227,000 |
| Radford County Virginia | 3 | $ 372,000 | $ 124,000 | $ 87,000 |
| Shenandoah County Virginia | 3 | $ 928,000 | $ 309,000 | $ 164,000 |
| Waynesboro County Virginia | 3 | $ 744,000 | $ 248,000 | $ 152,000 |
| Wise County Virginia | 3 | $ 376,000 | $ 125,000 | $ 55,000 |
| Benton County Washington | 3 | $ 691,000 | $ 230,000 | $ 66,000 |
| Snohomish County Washington | 3 | $ 959,000 | $ 319,000 | $ 0 |
| Fayette County West Virginia | 3 | $ 275,000 | $ 91,000 | $ 56,000 |
| Maricopa County Arizona | 2 | $ 611,000 | $ 305,000 | $ 0 |
| Sacramento County California | 2 | $ 124,000 | $ 62,000 | $ 0 |
| San Francisco County California | 2 | $ 914,000 | $ 457,000 | $ 0 |
| Shasta County California | 2 | $ 124,000 | $ 62,000 | $ 0 |
| District of Columbia County District Of Columbia | 2 | $ 63,000 | $ 31,000 | $ 162,000 |
| Manatee County Florida | 2 | $ 692,000 | $ 346,000 | $ 186,000 |
| Monroe County Florida | 2 | $ 664,000 | $ 332,000 | $ 446,000 |
| Orange County Florida | 2 | $ 567,000 | $ 283,000 | $ 138,000 |
| Palm Beach County Florida | 2 | $ 834,000 | $ 417,000 | $ 548,000 |
| Volusia County Florida | 2 | $ 127,000 | $ 63,000 | $ 55,000 |
| Anderson County South Carolina | 2 | $ 280,000 | $ 140,000 | $ 144,000 |
| Georgetown County South Carolina | 2 | $ 580,000 | $ 290,000 | $ 265,000 |
| Pickens County South Carolina | 2 | $ 1,162,000 | $ 581,000 | $ 131,000 |
| Richland County South Carolina | 2 | $ 3,069,000 | $ 1,534,000 | $ 69,000 |
| Spartanburg County South Carolina | 2 | $ 265,000 | $ 132,000 | $ 32,000 |
| Hamblen County Tennessee | 2 | $ 690,000 | $ 345,000 | $ 219,000 |
| Johnson County Tennessee | 2 | $ 358,000 | $ 179,000 | $ 96,000 |
| Loudon County Tennessee | 2 | $ 729,000 | $ 364,000 | $ 190,000 |
| Sullivan County Tennessee | 2 | $ 448,000 | $ 224,000 | $ 116,000 |
| Dallas County Texas | 2 | $ 596,000 | $ 298,000 | $ 197,000 |
| Hays County Texas | 2 | $ 442,000 | $ 221,000 | $ 143,000 |
| Travis County Texas | 2 | $ 490,000 | $ 245,000 | $ 160,000 |
| Arlington County Virginia | 2 | $ 576,000 | $ 288,000 | $ 380,000 |
| Chesapeake County Virginia | 2 | $ 834,000 | $ 417,000 | $ 295,000 |
| Emporia County Virginia | 2 | $ 124,000 | $ 62,000 | $ 35,000 |
| Powhatan County Virginia | 2 | $ 710,000 | $ 355,000 | $ 394,000 |
| Prince Edward County Virginia | 2 | $ 253,000 | $ 126,000 | $ 39,000 |
| Stafford County Virginia | 2 | $ 572,000 | $ 286,000 | $ 493,000 |
| Wythe County Virginia | 2 | $ 258,000 | $ 129,000 | $ 47,000 |
| Grant County Washington | 2 | $ 164,000 | $ 82,000 | $ 0 |
| Kittitas County Washington | 2 | $ 3,389,000 | $ 1,694,000 | $ 0 |
| Kanawha County West Virginia | 2 | $ 722,000 | $ 361,000 | $ 232,000 |
| Raleigh County West Virginia | 2 | $ 267,000 | $ 133,000 | $ 40,000 |
| Summers County West Virginia | 2 | $ 110,000 | $ 55,000 | $ 43,000 |
| Pinal County Arizona | 1 | $ 40,000 | $ 40,000 | $ 0 |
| San Joaquin County California | 1 | $ 290,000 | $ 290,000 | $ 0 |
| Solano County California | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Stanislaus County California | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Adams County Colorado | 1 | $ 270,000 | $ 270,000 | $ 298,000 |
| Douglas County Colorado | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Eagle County Colorado | 1 | $ 1,260,000 | $ 1,260,000 | $ 1,393,000 |
| Larimer County Colorado | 1 | $ 240,000 | $ 240,000 | $ 155,000 |
| New Castle County Delaware | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Bay County Florida | 1 | $ 9,000 | $ 9,000 | $ 0 |
| Broward County Florida | 1 | $ 312,000 | $ 312,000 | $ 78,000 |
| Hillsborough County Florida | 1 | $ 300,000 | $ 300,000 | $ 85,000 |
| Lee County Florida | 1 | $ 320,000 | $ 320,000 | $ 200,000 |
| Miami-Dade County Florida | 1 | $ 300,000 | $ 300,000 | $ 662,000 |
| Sarasota County Florida | 1 | $ 390,000 | $ 390,000 | $ 360,000 |
| St. Johns County Florida | 1 | $ 417,000 | $ 417,000 | $ 125,000 |
| Walton County Florida | 1 | $ 325,000 | $ 325,000 | $ 318,000 |
| Catoosa County Georgia | 1 | $ 204,000 | $ 204,000 | $ 214,000 |
| Clarke County Georgia | 1 | $ 85,000 | $ 85,000 | $ 92,000 |
| Cobb County Georgia | 1 | $ 417,000 | $ 417,000 | $ 255,000 |
| Forsyth County Georgia | 1 | $ 193,000 | $ 193,000 | $ 41,000 |
| Gordon County Georgia | 1 | $ 166,000 | $ 166,000 | $ 595,000 |
| Greene County Georgia | 1 | $ 350,000 | $ 350,000 | $ 733,000 |
| Lincoln County Georgia | 1 | $ 304,000 | $ 304,000 | $ 367,000 |
| Rockdale County Georgia | 1 | $ 98,000 | $ 98,000 | $ 110,000 |
| Towns County Georgia | 1 | $ 417,000 | $ 417,000 | $ 74,000 |
| Whitfield County Georgia | 1 | $ 675,000 | $ 675,000 | $ 428,000 |
| Maui County Hawaii | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Baltimore City County Maryland | 1 | $ 202,000 | $ 202,000 | $ 226,000 |
| Montgomery County Maryland | 1 | $ 276,000 | $ 276,000 | $ 291,000 |
| Barnstable County Massachusetts | 1 | $ 44,000 | $ 44,000 | $ 0 |
| Macomb County Michigan | 1 | $ 40,000 | $ 40,000 | $ 29,000 |
| Cass County Missouri | 1 | $ 137,000 | $ 137,000 | $ 143,000 |
| Washoe County Nevada | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Santa Fe County New Mexico | 1 | $ 254,000 | $ 254,000 | $ 241,000 |
| Currituck County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 481,000 |
| Hyde County North Carolina | 1 | $ 400,000 | $ 400,000 | $ 262,000 |
| Mitchell County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 211,000 |
| Scotland County North Carolina | 1 | $ 582,000 | $ 582,000 | $ 96,000 |
| Washington County North Carolina | 1 | $ 250,000 | $ 250,000 | $ 76,000 |
| Clackamas County Oregon | 1 | $ 417,000 | $ 417,000 | $ 338,000 |
| Deschutes County Oregon | 1 | $ 343,000 | $ 343,000 | $ 0 |
| Aiken County South Carolina | 1 | $ 410,000 | $ 410,000 | $ 171,000 |
| Berkeley County South Carolina | 1 | $ 153,000 | $ 153,000 | $ 241,000 |
| Chesterfield County South Carolina | 1 | $ 60,000 | $ 60,000 | $ 39,000 |
| Colleton County South Carolina | 1 | $ 880,000 | $ 880,000 | $ 176,000 |
| Dorchester County South Carolina | 1 | $ 204,000 | $ 204,000 | $ 145,000 |
| Laurens County South Carolina | 1 | $ 194,000 | $ 194,000 | $ 475,000 |
| Lexington County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 82,000 |
| Marion County South Carolina | 1 | $ 70,000 | $ 70,000 | $ 42,000 |
| Maury County Tennessee | 1 | $ 367,000 | $ 367,000 | $ 148,000 |
| Meigs County Tennessee | 1 | $ 320,000 | $ 320,000 | $ 165,000 |
| Monroe County Tennessee | 1 | $ 417,000 | $ 417,000 | $ 270,000 |
| Overton County Tennessee | 1 | $ 124,000 | $ 124,000 | $ 115,000 |
| Roane County Tennessee | 1 | $ 129,000 | $ 129,000 | $ 128,000 |
| Rutherford County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 666,000 |
| Unicoi County Tennessee | 1 | $ 247,000 | $ 247,000 | $ 140,000 |
| Union County Tennessee | 1 | $ 238,000 | $ 238,000 | $ 661,000 |
| Washington County Tennessee | 1 | $ 46,000 | $ 46,000 | $ 9,000 |
| Cameron County Texas | 1 | $ 32,000 | $ 32,000 | $ 55,000 |
| Washington County Utah | 1 | $ 336,000 | $ 336,000 | $ 0 |
| Alexandria County Virginia | 1 | $ 69,000 | $ 69,000 | $ 220,000 |
| Appomattox County Virginia | 1 | $ 94,000 | $ 94,000 | $ 22,000 |
| Bedford City County Virginia | 1 | $ 151,000 | $ 151,000 | $ 254,000 |
| Clarke County Virginia | 1 | $ 332,000 | $ 332,000 | $ 102,000 |
| Covington County Virginia | 1 | $ 142,000 | $ 142,000 | $ 39,000 |
| Dinwiddie County Virginia | 1 | $ 96,000 | $ 96,000 | $ 36,000 |
| Giles County Virginia | 1 | $ 293,000 | $ 293,000 | $ 165,000 |
| Henry County Virginia | 1 | $ 100,000 | $ 100,000 | $ 28,000 |
| Isle of Wight County Virginia | 1 | $ 165,000 | $ 165,000 | $ 88,000 |
| James City County Virginia | 1 | $ 385,000 | $ 385,000 | $ 161,000 |
| Lee County Virginia | 1 | $ 138,000 | $ 138,000 | $ 355,000 |
| Louisa County Virginia | 1 | $ 304,000 | $ 304,000 | $ 115,000 |
| New Kent County Virginia | 1 | $ 380,000 | $ 380,000 | $ 142,000 |
| Norfolk County Virginia | 1 | $ 179,000 | $ 179,000 | $ 220,000 |
| Orange County Virginia | 1 | $ 139,000 | $ 139,000 | $ 58,000 |
| Rockbridge County Virginia | 1 | $ 91,000 | $ 91,000 | $ 85,000 |
| Southampton County Virginia | 1 | $ 208,000 | $ 208,000 | $ 130,000 |
| Sussex County Virginia | 1 | $ 203,000 | $ 203,000 | $ 76,000 |
| Virginia Beach County Virginia | 1 | $ 299,000 | $ 299,000 | $ 713,000 |
| Westmoreland County Virginia | 1 | $ 154,000 | $ 154,000 | $ 41,000 |
| Cowlitz County Washington | 1 | $ 269,000 | $ 269,000 | $ 0 |
| Island County Washington | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Wahkiakum County Washington | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Whatcom County Washington | 1 | $ 291,000 | $ 291,000 | $ 0 |
| Jefferson County West Virginia | 1 | $ 120,000 | $ 120,000 | $ 71,000 |
| Morgan County West Virginia | 1 | $ 164,000 | $ 164,000 | $ 60,000 |
| Ohio County West Virginia | 1 | $ 114,000 | $ 114,000 | $ 104,000 |
| Randolph County West Virginia | 1 | $ 20,000 | $ 20,000 | $ 24,000 |
Mortgage Loan Application Detail Totals for First-Citizens Bank & Trust Co in 2009
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 | 4,725 | $968,764,000 | $205,000 | $7,871,000 | $110,000 | $2,724,000 |
| Home Purchase | 2,131 | $389,358,000 | $182,000 | $2,500,000 | $120,000 | $6,126,000 |
| Home Improvement | 428 | $52,525,000 | $122,000 | $532,000 | $85,000 | $921,000 |
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 | 5,486 | $1,072,978,000 | $195,000 | $2,500,000 | $127,000 | $6,126,000 |
| Not applicable | 812 | $172,536,000 | $212,000 | $7,871,000 | $3,000 | $218,000 |
| Not Provided | 405 | $70,493,000 | $174,000 | $1,078,000 | $131,000 | $921,000 |
| Black or African American | 301 | $36,062,000 | $119,000 | $635,000 | $80,000 | $733,000 |
| Asian | 120 | $28,902,000 | $240,000 | $432,000 | $162,000 | $1,645,000 |
| Hispanic | 87 | $15,226,000 | $175,000 | $417,000 | $114,000 | $625,000 |
| American Indian or Alaskan Native | 40 | $4,649,000 | $116,000 | $385,000 | $76,000 | $215,000 |
| Native Hawaiian or Other Pacific Islander | 33 | $9,801,000 | $297,000 | $1,200,000 | $169,000 | $560,000 |
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) | 6,733 | $1,334,624,000 | $198,000 | $7,871,000 | $116,000 | $6,126,000 |
| FHA-insured (Federal Housing Administration) | 452 | $61,852,000 | $136,000 | $348,000 | $55,000 | $348,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 53 | $6,867,000 | $129,000 | $240,000 | $43,000 | $110,000 |
| VA-guaranteed (Veterans Administration) | 46 | $7,304,000 | $158,000 | $343,000 | $67,000 | $308,000 |
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 | 4,395 | $876,371,000 | $199,000 | $5,500,000 | $130,000 | $6,126,000 |
| Application Denied By Financial Institution | 1,117 | $177,430,000 | $158,000 | $2,500,000 | $79,000 | $1,165,000 |
| Loan Purchased By The Institution | 617 | $121,004,000 | $196,000 | $7,871,000 | $2,000 | $121,000 |
| Application Withdrawn By Applicant | 600 | $129,714,000 | $216,000 | $1,507,000 | $138,000 | $3,749,000 |
| Application Approved But Not Accepted | 327 | $56,428,000 | $172,000 | $1,275,000 | $129,000 | $6,126,000 |
| File Closed For Incompleteness | 202 | $45,381,000 | $224,000 | $1,200,000 | $127,000 | $600,000 |
| Preapproval Denied by Financial Institution | 25 | $3,919,000 | $156,000 | $411,000 | $49,000 | $152,000 |
| Preapproval Approved but not Accepted | 1 | $400,000 | $400,000 | $400,000 | $150,000 | $150,000 |
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 2009 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.