First-Citizens Bank & Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
First-Citizens Bank & Trust Company 2012 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 Company 4300 Six Forks Road Fcc 21 Raleigh, NC 27609 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 6,521 |
| Total Mortgage Loan Application Amount | $1,219,813,000 |
| Average Mortgage Loan Application Amount | $161,000 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $127,666 |
| Highest Applicant Income | $4,706,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with First-Citizens Bank & Trust Company. 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 Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down First-Citizens Bank & Trust Company'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 Company serves its applicants.
Each category highlights the total number of mortgage applications processed by First-Citizens Bank & Trust Company, 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 Company's mortgage activity for 2012.
| 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 | 772 | $ 164,122,000 | $ 212,000 | $ 175,000 |
| Mecklenburg County North Carolina | 306 | $ 53,461,000 | $ 174,000 | $ 137,000 |
| Buncombe County North Carolina | 246 | $ 72,328,000 | $ 294,000 | $ 164,000 |
| New Hanover County North Carolina | 195 | $ 45,544,000 | $ 233,000 | $ 149,000 |
| Carteret County North Carolina | 174 | $ 33,509,000 | $ 192,000 | $ 151,000 |
| Guilford County North Carolina | 158 | $ 35,236,000 | $ 223,000 | $ 181,000 |
| Henderson County North Carolina | 155 | $ 35,155,000 | $ 226,000 | $ 102,000 |
| Craven County North Carolina | 148 | $ 30,419,000 | $ 205,000 | $ 126,000 |
| Johnston County North Carolina | 138 | $ 16,391,000 | $ 118,000 | $ 89,000 |
| Durham County North Carolina | 131 | $ 28,192,000 | $ 215,000 | $ 174,000 |
| Catawba County North Carolina | 129 | $ 19,397,000 | $ 150,000 | $ 94,000 |
| Forsyth County North Carolina | 129 | $ 27,329,000 | $ 211,000 | $ 176,000 |
| Pitt County North Carolina | 129 | $ 21,300,000 | $ 165,000 | $ 114,000 |
| Cumberland County North Carolina | 107 | $ 12,671,000 | $ 118,000 | $ 89,000 |
| Moore County North Carolina | 107 | $ 28,427,000 | $ 265,000 | $ 198,000 |
| Onslow County North Carolina | 102 | $ 18,521,000 | $ 181,000 | $ 136,000 |
| Brunswick County North Carolina | 101 | $ 21,984,000 | $ 217,000 | $ 184,000 |
| Union County North Carolina | 96 | $ 17,575,000 | $ 183,000 | $ 125,000 |
| Burke County North Carolina | 95 | $ 11,103,000 | $ 116,000 | $ 100,000 |
| Caldwell County North Carolina | 92 | $ 11,878,000 | $ 129,000 | $ 94,000 |
| Orange County North Carolina | 88 | $ 32,931,000 | $ 374,000 | $ 256,000 |
| Watauga County North Carolina | 82 | $ 22,060,000 | $ 269,000 | $ 181,000 |
| Fairfax County Virginia | 74 | $ 8,483,000 | $ 114,000 | $ 147,000 |
| Wilson County North Carolina | 72 | $ 10,620,000 | $ 147,000 | $ 108,000 |
| Roanoke County Virginia | 70 | $ 12,774,000 | $ 182,000 | $ 112,000 |
| Iredell County North Carolina | 68 | $ 13,500,000 | $ 198,000 | $ 120,000 |
| Pittsylvania County Virginia | 63 | $ 8,036,000 | $ 127,000 | $ 78,000 |
| Wayne County North Carolina | 57 | $ 7,323,000 | $ 128,000 | $ 74,000 |
| Pender County North Carolina | 56 | $ 9,206,000 | $ 164,000 | $ 125,000 |
| Harnett County North Carolina | 54 | $ 6,789,000 | $ 125,000 | $ 71,000 |
| Chatham County North Carolina | 52 | $ 15,754,000 | $ 302,000 | $ 180,000 |
| Transylvania County North Carolina | 49 | $ 9,943,000 | $ 202,000 | $ 171,000 |
| Albemarle County Virginia | 47 | $ 10,300,000 | $ 219,000 | $ 131,000 |
| Jackson County North Carolina | 44 | $ 8,863,000 | $ 201,000 | $ 146,000 |
| Roanoke City County Virginia | 43 | $ 4,888,000 | $ 113,000 | $ 98,000 |
| Ashe County North Carolina | 41 | $ 8,117,000 | $ 197,000 | $ 101,000 |
| Pamlico County North Carolina | 40 | $ 6,991,000 | $ 174,000 | $ 86,000 |
| Lee County North Carolina | 36 | $ 4,495,000 | $ 124,000 | $ 101,000 |
| Rockingham County North Carolina | 36 | $ 3,856,000 | $ 107,000 | $ 70,000 |
| Greenbrier County West Virginia | 34 | $ 4,117,000 | $ 121,000 | $ 144,000 |
| Franklin County North Carolina | 32 | $ 3,534,000 | $ 110,000 | $ 220,000 |
| Halifax County North Carolina | 32 | $ 3,276,000 | $ 102,000 | $ 109,000 |
| Lincoln County North Carolina | 31 | $ 4,681,000 | $ 151,000 | $ 103,000 |
| Bedford County Virginia | 31 | $ 6,401,000 | $ 206,000 | $ 136,000 |
| Loudoun County Virginia | 30 | $ 2,615,000 | $ 87,000 | $ 198,000 |
| Lenoir County North Carolina | 29 | $ 3,458,000 | $ 119,000 | $ 118,000 |
| Rockingham County Virginia | 28 | $ 6,067,000 | $ 216,000 | $ 144,000 |
| Cabarrus County North Carolina | 27 | $ 4,232,000 | $ 156,000 | $ 142,000 |
| Rutherford County North Carolina | 27 | $ 3,323,000 | $ 123,000 | $ 89,000 |
| Sampson County North Carolina | 26 | $ 2,687,000 | $ 103,000 | $ 99,000 |
| York County South Carolina | 26 | $ 3,171,000 | $ 121,000 | $ 132,000 |
| Mecklenburg County Virginia | 26 | $ 4,102,000 | $ 157,000 | $ 104,000 |
| Beaufort County North Carolina | 25 | $ 4,162,000 | $ 166,000 | $ 251,000 |
| Haywood County North Carolina | 25 | $ 4,719,000 | $ 188,000 | $ 96,000 |
| Wilkes County North Carolina | 24 | $ 3,626,000 | $ 151,000 | $ 86,000 |
| Augusta County Virginia | 24 | $ 3,701,000 | $ 154,000 | $ 81,000 |
| Brunswick County Virginia | 24 | $ 2,417,000 | $ 100,000 | $ 64,000 |
| Pocahontas County West Virginia | 24 | $ 2,637,000 | $ 109,000 | $ 50,000 |
| Bladen County North Carolina | 23 | $ 3,434,000 | $ 149,000 | $ 89,000 |
| Nash County North Carolina | 23 | $ 2,908,000 | $ 126,000 | $ 125,000 |
| Stokes County North Carolina | 23 | $ 2,500,000 | $ 108,000 | $ 69,000 |
| Macon County North Carolina | 22 | $ 5,035,000 | $ 228,000 | $ 235,000 |
| Surry County North Carolina | 22 | $ 2,868,000 | $ 130,000 | $ 81,000 |
| Swain County North Carolina | 22 | $ 2,944,000 | $ 133,000 | $ 88,000 |
| Montgomery County Virginia | 22 | $ 3,627,000 | $ 164,000 | $ 84,000 |
| Bernalillo County New Mexico | 21 | $ 2,713,000 | $ 129,000 | $ 27,000 |
| Alexander County North Carolina | 21 | $ 2,977,000 | $ 141,000 | $ 90,000 |
| Danville County Virginia | 21 | $ 3,331,000 | $ 158,000 | $ 83,000 |
| District of Columbia County District Of Columbia | 20 | $ 2,226,000 | $ 111,000 | $ 173,000 |
| Horry County South Carolina | 19 | $ 3,220,000 | $ 169,000 | $ 198,000 |
| Dare County North Carolina | 18 | $ 3,537,000 | $ 196,000 | $ 292,000 |
| Maricopa County Arizona | 17 | $ 1,832,000 | $ 107,000 | $ 0 |
| Columbus County North Carolina | 17 | $ 1,919,000 | $ 112,000 | $ 68,000 |
| Randolph County North Carolina | 17 | $ 2,404,000 | $ 141,000 | $ 52,000 |
| Warren County North Carolina | 17 | $ 4,210,000 | $ 247,000 | $ 197,000 |
| Pasquotank County North Carolina | 16 | $ 4,155,000 | $ 259,000 | $ 118,000 |
| Charlottesville County Virginia | 16 | $ 3,812,000 | $ 238,000 | $ 204,000 |
| Jackson County Missouri | 15 | $ 1,365,000 | $ 91,000 | $ 2,000 |
| Cherokee County North Carolina | 15 | $ 1,848,000 | $ 123,000 | $ 59,000 |
| Davie County North Carolina | 15 | $ 3,243,000 | $ 216,000 | $ 168,000 |
| Duplin County North Carolina | 15 | $ 1,541,000 | $ 102,000 | $ 70,000 |
| Staunton County Virginia | 15 | $ 1,497,000 | $ 99,000 | $ 70,000 |
| Davidson County North Carolina | 14 | $ 3,768,000 | $ 269,000 | $ 170,000 |
| Franklin County Virginia | 14 | $ 3,098,000 | $ 221,000 | $ 182,000 |
| Lynchburg County Virginia | 14 | $ 1,465,000 | $ 104,000 | $ 65,000 |
| DeKalb County Georgia | 13 | $ 2,810,000 | $ 216,000 | $ 110,000 |
| Graham County North Carolina | 13 | $ 1,227,000 | $ 94,000 | $ 78,000 |
| Pierce County Washington | 13 | $ 2,851,000 | $ 219,000 | $ 134,000 |
| Los Angeles County California | 12 | $ 1,688,000 | $ 140,000 | $ 37,000 |
| Alleghany County North Carolina | 12 | $ 1,316,000 | $ 109,000 | $ 55,000 |
| Gaston County North Carolina | 12 | $ 1,809,000 | $ 150,000 | $ 175,000 |
| Greene County North Carolina | 12 | $ 1,454,000 | $ 121,000 | $ 93,000 |
| McDowell County North Carolina | 12 | $ 1,435,000 | $ 119,000 | $ 103,000 |
| San Diego County California | 11 | $ 4,319,000 | $ 392,000 | $ 86,000 |
| Gwinnett County Georgia | 11 | $ 1,567,000 | $ 142,000 | $ 57,000 |
| Stanly County North Carolina | 11 | $ 1,065,000 | $ 96,000 | $ 63,000 |
| Arlington County Virginia | 11 | $ 1,700,000 | $ 154,000 | $ 155,000 |
| Botetourt County Virginia | 11 | $ 1,274,000 | $ 115,000 | $ 60,000 |
| Chesterfield County Virginia | 11 | $ 2,223,000 | $ 202,000 | $ 138,000 |
| Harrisonburg County Virginia | 11 | $ 2,265,000 | $ 205,000 | $ 179,000 |
| Cobb County Georgia | 10 | $ 1,686,000 | $ 168,000 | $ 94,000 |
| Alamance County North Carolina | 10 | $ 1,948,000 | $ 194,000 | $ 118,000 |
| Charleston County South Carolina | 10 | $ 3,400,000 | $ 340,000 | $ 240,000 |
| Dallas County Texas | 10 | $ 1,124,000 | $ 112,000 | $ 0 |
| Greensville County Virginia | 10 | $ 819,000 | $ 81,000 | $ 47,000 |
| Henrico County Virginia | 10 | $ 1,832,000 | $ 183,000 | $ 147,000 |
| Prince William County Virginia | 10 | $ 441,000 | $ 44,000 | $ 133,000 |
| Fulton County Georgia | 9 | $ 1,673,000 | $ 185,000 | $ 168,000 |
| Avery County North Carolina | 9 | $ 1,698,000 | $ 188,000 | $ 122,000 |
| Polk County North Carolina | 9 | $ 1,473,000 | $ 163,000 | $ 65,000 |
| Greenville County South Carolina | 9 | $ 2,481,000 | $ 275,000 | $ 421,000 |
| Davidson County Tennessee | 9 | $ 1,416,000 | $ 157,000 | $ 96,000 |
| Alleghany County Virginia | 9 | $ 627,000 | $ 69,000 | $ 62,000 |
| Broward County Florida | 8 | $ 1,416,000 | $ 177,000 | $ 46,000 |
| Camden County North Carolina | 8 | $ 1,264,000 | $ 158,000 | $ 79,000 |
| Hoke County North Carolina | 8 | $ 1,187,000 | $ 148,000 | $ 78,000 |
| Yadkin County North Carolina | 8 | $ 1,332,000 | $ 166,000 | $ 80,000 |
| Campbell County Virginia | 8 | $ 1,630,000 | $ 203,000 | $ 89,000 |
| King County Washington | 8 | $ 1,828,000 | $ 228,000 | $ 0 |
| El Paso County Colorado | 7 | $ 1,256,000 | $ 179,000 | $ 22,000 |
| Anne Arundel County Maryland | 7 | $ 1,081,000 | $ 154,000 | $ 71,000 |
| Montgomery County Maryland | 7 | $ 1,954,000 | $ 279,000 | $ 267,000 |
| St. Louis County Missouri | 7 | $ 464,000 | $ 66,000 | $ 38,000 |
| Martin County North Carolina | 7 | $ 909,000 | $ 129,000 | $ 30,000 |
| Montgomery County North Carolina | 7 | $ 1,503,000 | $ 214,000 | $ 201,000 |
| Person County North Carolina | 7 | $ 1,991,000 | $ 284,000 | $ 272,000 |
| Robeson County North Carolina | 7 | $ 955,000 | $ 136,000 | $ 170,000 |
| Rowan County North Carolina | 7 | $ 698,000 | $ 99,000 | $ 59,000 |
| Vance County North Carolina | 7 | $ 1,096,000 | $ 156,000 | $ 94,000 |
| Oconee County South Carolina | 7 | $ 5,464,000 | $ 780,000 | $ 393,000 |
| Hamilton County Tennessee | 7 | $ 2,377,000 | $ 339,000 | $ 342,000 |
| Harris County Texas | 7 | $ 646,000 | $ 92,000 | $ 0 |
| Alexandria County Virginia | 7 | $ 1,106,000 | $ 158,000 | $ 394,000 |
| Floyd County Virginia | 7 | $ 1,432,000 | $ 204,000 | $ 144,000 |
| Fluvanna County Virginia | 7 | $ 829,000 | $ 118,000 | $ 84,000 |
| Orange County California | 6 | $ 1,224,000 | $ 204,000 | $ 49,000 |
| Riverside County California | 6 | $ 998,000 | $ 166,000 | $ 38,000 |
| Duval County Florida | 6 | $ 579,000 | $ 96,000 | $ 61,000 |
| Miami-Dade County Florida | 6 | $ 780,000 | $ 130,000 | $ 48,000 |
| Palm Beach County Florida | 6 | $ 1,605,000 | $ 267,000 | $ 122,000 |
| Santa Fe County New Mexico | 6 | $ 1,193,000 | $ 198,000 | $ 43,000 |
| Caswell County North Carolina | 6 | $ 813,000 | $ 135,000 | $ 53,000 |
| Jones County North Carolina | 6 | $ 802,000 | $ 133,000 | $ 73,000 |
| Travis County Texas | 6 | $ 1,202,000 | $ 200,000 | $ 108,000 |
| Grayson County Virginia | 6 | $ 1,033,000 | $ 172,000 | $ 315,000 |
| Lunenburg County Virginia | 6 | $ 899,000 | $ 149,000 | $ 118,000 |
| Denver County Colorado | 5 | $ 1,249,000 | $ 249,000 | $ 112,000 |
| Larimer County Colorado | 5 | $ 872,000 | $ 174,000 | $ 43,000 |
| Wayne County Michigan | 5 | $ 322,000 | $ 64,000 | $ 0 |
| Cleveland County North Carolina | 5 | $ 530,000 | $ 106,000 | $ 131,000 |
| Madison County North Carolina | 5 | $ 496,000 | $ 99,000 | $ 86,000 |
| Oklahoma County Oklahoma | 5 | $ 878,000 | $ 175,000 | $ 0 |
| Knox County Tennessee | 5 | $ 1,095,000 | $ 219,000 | $ 57,000 |
| Carroll County Virginia | 5 | $ 633,000 | $ 126,000 | $ 98,000 |
| Fairfax City County Virginia | 5 | $ 412,000 | $ 82,000 | $ 159,000 |
| Frederick County Virginia | 5 | $ 546,000 | $ 109,000 | $ 100,000 |
| Henry County Virginia | 5 | $ 814,000 | $ 162,000 | $ 82,000 |
| Richmond City County Virginia | 5 | $ 1,966,000 | $ 393,000 | $ 152,000 |
| Salem County Virginia | 5 | $ 741,000 | $ 148,000 | $ 77,000 |
| Spotsylvania County Virginia | 5 | $ 1,218,000 | $ 243,000 | $ 328,000 |
| Sacramento County California | 4 | $ 539,000 | $ 134,000 | $ 41,000 |
| Lee County Florida | 4 | $ 706,000 | $ 176,000 | $ 118,000 |
| Northampton County North Carolina | 4 | $ 444,000 | $ 111,000 | $ 71,000 |
| Carter County Tennessee | 4 | $ 557,000 | $ 139,000 | $ 120,000 |
| Amherst County Virginia | 4 | $ 802,000 | $ 200,000 | $ 125,000 |
| Bedford City County Virginia | 4 | $ 627,000 | $ 156,000 | $ 101,000 |
| Charlotte County Virginia | 4 | $ 174,000 | $ 43,000 | $ 88,000 |
| Covington County Virginia | 4 | $ 183,000 | $ 45,000 | $ 34,000 |
| Madison County Virginia | 4 | $ 1,007,000 | $ 251,000 | $ 160,000 |
| Nottoway County Virginia | 4 | $ 521,000 | $ 130,000 | $ 56,000 |
| Patrick County Virginia | 4 | $ 333,000 | $ 83,000 | $ 51,000 |
| Thurston County Washington | 4 | $ 1,221,000 | $ 305,000 | $ 70,000 |
| Arapahoe County Colorado | 3 | $ 411,000 | $ 137,000 | $ 9,000 |
| Boulder County Colorado | 3 | $ 825,000 | $ 275,000 | $ 25,000 |
| Pitkin County Colorado | 3 | $ 2,131,000 | $ 710,000 | $ 216,000 |
| Collier County Florida | 3 | $ 662,000 | $ 220,000 | $ 29,000 |
| Chatham County Georgia | 3 | $ 260,000 | $ 86,000 | $ 117,000 |
| Cook County Illinois | 3 | $ 217,000 | $ 72,000 | $ 0 |
| Johnson County Kansas | 3 | $ 328,000 | $ 109,000 | $ 45,000 |
| Macomb County Michigan | 3 | $ 333,000 | $ 111,000 | $ 0 |
| Dona Ana County New Mexico | 3 | $ 205,000 | $ 68,000 | $ 0 |
| Lea County New Mexico | 3 | $ 104,000 | $ 34,000 | $ 0 |
| Clay County North Carolina | 3 | $ 385,000 | $ 128,000 | $ 70,000 |
| Gates County North Carolina | 3 | $ 252,000 | $ 84,000 | $ 19,000 |
| Granville County North Carolina | 3 | $ 498,000 | $ 166,000 | $ 77,000 |
| Perquimans County North Carolina | 3 | $ 502,000 | $ 167,000 | $ 50,000 |
| Beaufort County South Carolina | 3 | $ 919,000 | $ 306,000 | $ 343,000 |
| Lancaster County South Carolina | 3 | $ 686,000 | $ 228,000 | $ 164,000 |
| Lexington County South Carolina | 3 | $ 851,000 | $ 283,000 | $ 151,000 |
| Pickens County South Carolina | 3 | $ 2,123,000 | $ 707,000 | $ 321,000 |
| Spartanburg County South Carolina | 3 | $ 393,000 | $ 131,000 | $ 130,000 |
| Tarrant County Texas | 3 | $ 475,000 | $ 158,000 | $ 23,000 |
| Appomattox County Virginia | 3 | $ 532,000 | $ 177,000 | $ 97,000 |
| Bath County Virginia | 3 | $ 385,000 | $ 128,000 | $ 46,000 |
| Fauquier County Virginia | 3 | $ 339,000 | $ 113,000 | $ 67,000 |
| Prince Edward County Virginia | 3 | $ 570,000 | $ 190,000 | $ 67,000 |
| Southampton County Virginia | 3 | $ 651,000 | $ 217,000 | $ 60,000 |
| Warren County Virginia | 3 | $ 302,000 | $ 100,000 | $ 42,000 |
| Monroe County West Virginia | 3 | $ 103,000 | $ 34,000 | $ 47,000 |
| Nicholas County West Virginia | 3 | $ 162,000 | $ 54,000 | $ 67,000 |
| Douglas County Colorado | 2 | $ 438,000 | $ 219,000 | $ 29,000 |
| Martin County Florida | 2 | $ 290,000 | $ 145,000 | $ 54,000 |
| Clarke County Georgia | 2 | $ 184,000 | $ 92,000 | $ 94,000 |
| Forsyth County Georgia | 2 | $ 226,000 | $ 113,000 | $ 0 |
| Rabun County Georgia | 2 | $ 209,000 | $ 104,000 | $ 44,000 |
| Prince George's County Maryland | 2 | $ 98,000 | $ 49,000 | $ 225,000 |
| Pettis County Missouri | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Sandoval County New Mexico | 2 | $ 176,000 | $ 88,000 | $ 0 |
| Bertie County North Carolina | 2 | $ 332,000 | $ 166,000 | $ 137,000 |
| Currituck County North Carolina | 2 | $ 403,000 | $ 201,000 | $ 72,000 |
| Scotland County North Carolina | 2 | $ 186,000 | $ 93,000 | $ 16,000 |
| Yancey County North Carolina | 2 | $ 415,000 | $ 207,000 | $ 142,000 |
| Multnomah County Oregon | 2 | $ 329,000 | $ 164,000 | $ 59,000 |
| Florence County South Carolina | 2 | $ 281,000 | $ 140,000 | $ 56,000 |
| Sullivan County Tennessee | 2 | $ 470,000 | $ 235,000 | $ 449,000 |
| Washington County Tennessee | 2 | $ 582,000 | $ 291,000 | $ 161,000 |
| Fort Bend County Texas | 2 | $ 545,000 | $ 272,000 | $ 101,000 |
| Colonial Heights County Virginia | 2 | $ 950,000 | $ 475,000 | $ 0 |
| Emporia County Virginia | 2 | $ 138,000 | $ 69,000 | $ 41,000 |
| Fredericksburg County Virginia | 2 | $ 452,000 | $ 226,000 | $ 333,000 |
| Galax County Virginia | 2 | $ 125,000 | $ 62,000 | $ 82,000 |
| Giles County Virginia | 2 | $ 318,000 | $ 159,000 | $ 97,000 |
| Greene County Virginia | 2 | $ 615,000 | $ 307,000 | $ 98,000 |
| Halifax County Virginia | 2 | $ 498,000 | $ 249,000 | $ 88,000 |
| Highland County Virginia | 2 | $ 750,000 | $ 375,000 | $ 519,000 |
| King George County Virginia | 2 | $ 618,000 | $ 309,000 | $ 166,000 |
| Nelson County Virginia | 2 | $ 857,000 | $ 428,000 | $ 134,000 |
| Shenandoah County Virginia | 2 | $ 417,000 | $ 208,000 | $ 85,000 |
| Stafford County Virginia | 2 | $ 431,000 | $ 215,000 | $ 118,000 |
| Virginia Beach County Virginia | 2 | $ 511,000 | $ 255,000 | $ 227,000 |
| Randolph County West Virginia | 2 | $ 230,000 | $ 115,000 | $ 78,000 |
| Henry County Alabama | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Pima County Arizona | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Grand County Colorado | 1 | $ 1,250,000 | $ 1,250,000 | $ 0 |
| Weld County Colorado | 1 | $ 50,000 | $ 50,000 | $ 94,000 |
| Clay County Florida | 1 | $ 120,000 | $ 120,000 | $ 152,000 |
| Hernando County Florida | 1 | $ 112,000 | $ 112,000 | $ 42,000 |
| Manatee County Florida | 1 | $ 408,000 | $ 408,000 | $ 1,596,000 |
| Orange County Florida | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Pasco County Florida | 1 | $ 150,000 | $ 150,000 | $ 441,000 |
| Polk County Florida | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Sarasota County Florida | 1 | $ 417,000 | $ 417,000 | $ 450,000 |
| Seminole County Florida | 1 | $ 70,000 | $ 70,000 | $ 0 |
| St. Johns County Florida | 1 | $ 345,000 | $ 345,000 | $ 349,000 |
| St. Lucie County Florida | 1 | $ 184,000 | $ 184,000 | $ 209,000 |
| Cherokee County Georgia | 1 | $ 49,000 | $ 49,000 | $ 157,000 |
| Douglas County Georgia | 1 | $ 345,000 | $ 345,000 | $ 195,000 |
| Richmond County Georgia | 1 | $ 75,000 | $ 75,000 | $ 750,000 |
| Union County Georgia | 1 | $ 336,000 | $ 336,000 | $ 476,000 |
| Will County Illinois | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Hancock County Indiana | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Lake County Indiana | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Bossier County Louisiana | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Baltimore County Maryland | 1 | $ 50,000 | $ 50,000 | $ 201,000 |
| Baltimore City County Maryland | 1 | $ 141,000 | $ 141,000 | $ 144,000 |
| Calvert County Maryland | 1 | $ 146,000 | $ 146,000 | $ 432,000 |
| Carroll County Maryland | 1 | $ 49,000 | $ 49,000 | $ 96,000 |
| Garrett County Maryland | 1 | $ 170,000 | $ 170,000 | $ 98,000 |
| Harford County Maryland | 1 | $ 235,000 | $ 235,000 | $ 322,000 |
| Chisago County Minnesota | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Boone County Missouri | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Cass County Missouri | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Cole County Missouri | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Dunklin County Missouri | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Franklin County Missouri | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Greene County Missouri | 1 | $ 44,000 | $ 44,000 | $ 0 |
| Jasper County Missouri | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Johnson County Missouri | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Lawrence County Missouri | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Marion County Missouri | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Pulaski County Missouri | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Saline County Missouri | 1 | $ 28,000 | $ 28,000 | $ 0 |
| St. Louis City County Missouri | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Carson City County Nevada | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Elko County Nevada | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Chaves County New Mexico | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Grant County New Mexico | 1 | $ 250,000 | $ 250,000 | $ 238,000 |
| San Juan County New Mexico | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Anson County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 30,000 |
| Chowan County North Carolina | 1 | $ 247,000 | $ 247,000 | $ 132,000 |
| Hertford County North Carolina | 1 | $ 92,000 | $ 92,000 | $ 85,000 |
| Hyde County North Carolina | 1 | $ 386,000 | $ 386,000 | $ 233,000 |
| Richmond County North Carolina | 1 | $ 68,000 | $ 68,000 | $ 122,000 |
| Washington County North Carolina | 1 | $ 212,000 | $ 212,000 | $ 212,000 |
| Clark County Ohio | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Licking County Ohio | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Montgomery County Ohio | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Summit County Ohio | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Clackamas County Oregon | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Washington County Oregon | 1 | $ 258,000 | $ 258,000 | $ 90,000 |
| Allegheny County Pennsylvania | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Philadelphia County Pennsylvania | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Berkeley County South Carolina | 1 | $ 23,000 | $ 23,000 | $ 254,000 |
| Chester County South Carolina | 1 | $ 120,000 | $ 120,000 | $ 136,000 |
| Dorchester County South Carolina | 1 | $ 272,000 | $ 272,000 | $ 112,000 |
| Georgetown County South Carolina | 1 | $ 920,000 | $ 920,000 | $ 384,000 |
| Greenwood County South Carolina | 1 | $ 92,000 | $ 92,000 | $ 81,000 |
| Newberry County South Carolina | 1 | $ 227,000 | $ 227,000 | $ 152,000 |
| Richland County South Carolina | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Gibson County Tennessee | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Hamblen County Tennessee | 1 | $ 265,000 | $ 265,000 | $ 73,000 |
| Jefferson County Tennessee | 1 | $ 280,000 | $ 280,000 | $ 368,000 |
| Loudon County Tennessee | 1 | $ 940,000 | $ 940,000 | $ 948,000 |
| Rutherford County Tennessee | 1 | $ 40,000 | $ 40,000 | $ 85,000 |
| Sevier County Tennessee | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Unicoi County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 20,000 |
| Williamson County Tennessee | 1 | $ 183,000 | $ 183,000 | $ 41,000 |
| Wilson County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 186,000 |
| Bexar County Texas | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Cameron County Texas | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Collin County Texas | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Nueces County Texas | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Amelia County Virginia | 1 | $ 82,000 | $ 82,000 | $ 30,000 |
| Chesapeake County Virginia | 1 | $ 37,000 | $ 37,000 | $ 112,000 |
| Culpeper County Virginia | 1 | $ 280,000 | $ 280,000 | $ 149,000 |
| Cumberland County Virginia | 1 | $ 107,000 | $ 107,000 | $ 48,000 |
| Franklin City County Virginia | 1 | $ 157,000 | $ 157,000 | $ 66,000 |
| Louisa County Virginia | 1 | $ 385,000 | $ 385,000 | $ 505,000 |
| Martinsville County Virginia | 1 | $ 48,000 | $ 48,000 | $ 44,000 |
| Middlesex County Virginia | 1 | $ 281,000 | $ 281,000 | $ 361,000 |
| Norfolk County Virginia | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| Orange County Virginia | 1 | $ 280,000 | $ 280,000 | $ 124,000 |
| Page County Virginia | 1 | $ 55,000 | $ 55,000 | $ 47,000 |
| Portsmouth County Virginia | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Pulaski County Virginia | 1 | $ 19,000 | $ 19,000 | $ 636,000 |
| Radford County Virginia | 1 | $ 159,000 | $ 159,000 | $ 53,000 |
| Rappahannock County Virginia | 1 | $ 100,000 | $ 100,000 | $ 44,000 |
| Suffolk County Virginia | 1 | $ 300,000 | $ 300,000 | $ 146,000 |
| Westmoreland County Virginia | 1 | $ 103,000 | $ 103,000 | $ 19,000 |
| Winchester County Virginia | 1 | $ 169,000 | $ 169,000 | $ 96,000 |
| Grays Harbor County Washington | 1 | $ 27,000 | $ 27,000 | $ 43,000 |
| Snohomish County Washington | 1 | $ 299,000 | $ 299,000 | $ 182,000 |
| Spokane County Washington | 1 | $ 154,000 | $ 154,000 | $ 46,000 |
| Gilmer County West Virginia | 1 | $ 60,000 | $ 60,000 | $ 51,000 |
| Hardy County West Virginia | 1 | $ 50,000 | $ 50,000 | $ 83,000 |
| Mason County West Virginia | 1 | $ 40,000 | $ 40,000 | $ 190,000 |
| Milwaukee County Wisconsin | 1 | $ 22,000 | $ 22,000 | $ 0 |
Mortgage Loan Application Detail Totals for First-Citizens Bank & Trust Company in 2012
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 | 3,675 | $740,898,000 | $201,000 | $2,336,000 | $139,000 | $2,870,000 |
| Home Purchase | 2,442 | $436,502,000 | $178,000 | $3,500,000 | $130,000 | $4,706,000 |
| Home Improvement | 404 | $42,413,000 | $104,000 | $1,500,000 | $114,000 | $2,600,000 |
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 | 4,806 | $934,923,000 | $194,000 | $3,500,000 | $141,000 | $4,706,000 |
| Not Provided | 615 | $108,423,000 | $176,000 | $1,260,000 | $183,000 | $3,117,000 |
| Not applicable | 460 | $73,660,000 | $160,000 | $2,336,000 | $10,000 | $604,000 |
| Black or African American | 287 | $38,850,000 | $135,000 | $1,100,000 | $92,000 | $552,000 |
| Asian | 163 | $33,407,000 | $204,000 | $1,000,000 | $187,000 | $1,490,000 |
| Hispanic | 121 | $20,516,000 | $169,000 | $508,000 | $138,000 | $889,000 |
| American Indian or Alaskan Native | 38 | $3,783,000 | $99,000 | $250,000 | $93,000 | $734,000 |
| Native Hawaiian or Other Pacific Islander | 31 | $6,251,000 | $201,000 | $455,000 | $144,000 | $504,000 |
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) | 5,811 | $1,122,411,000 | $193,000 | $3,500,000 | $145,000 | $4,706,000 |
| FHA-insured (Federal Housing Administration) | 405 | $50,819,000 | $125,000 | $377,000 | $40,000 | $367,000 |
| VA-guaranteed (Veterans Administration) | 165 | $29,402,000 | $178,000 | $700,000 | $68,000 | $522,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 140 | $17,181,000 | $122,000 | $275,000 | $40,000 | $133,000 |
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 | 4,071 | $800,646,000 | $196,000 | $2,336,000 | $150,000 | $4,706,000 |
| Application Denied By Financial Institution | 915 | $134,190,000 | $146,000 | $2,000,000 | $91,000 | $1,567,000 |
| Application Withdrawn By Applicant | 681 | $136,562,000 | $200,000 | $1,840,000 | $153,000 | $2,870,000 |
| File Closed For Incompleteness | 304 | $74,564,000 | $245,000 | $3,500,000 | $143,000 | $1,503,000 |
| Loan Purchased By The Institution | 291 | $37,309,000 | $128,000 | $492,000 | $11,000 | $187,000 |
| Application Approved But Not Accepted | 235 | $32,881,000 | $139,000 | $1,400,000 | $134,000 | $1,490,000 |
| Preapproval Denied by Financial Institution | 24 | $3,661,000 | $152,000 | $400,000 | $44,000 | $141,000 |
| 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 Company's 2012 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 Company'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.