Firstcitybank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Firstcitybank 2005 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 | Firstcitybank 831 Fairways Court Stockbridge, GA 31802 |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 729 |
| Total Mortgage Loan Application Amount | $100,091,000 |
| Average Mortgage Loan Application Amount | $154,578 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $89,421 |
| Highest Applicant Income | $1,643,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Firstcitybank. 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 Firstcitybank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Firstcitybank'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 Firstcitybank serves its applicants.
Each category highlights the total number of mortgage applications processed by Firstcitybank, 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 Firstcitybank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lowndes County Georgia | 108 | $ 14,503,000 | $ 134,000 | $ 58,000 |
| Madison County Alabama | 72 | $ 7,033,000 | $ 97,000 | $ 52,000 |
| Henry County Georgia | 53 | $ 10,869,000 | $ 205,000 | $ 86,000 |
| Cobb County Georgia | 50 | $ 8,265,000 | $ 165,000 | $ 67,000 |
| Limestone County Alabama | 33 | $ 2,876,000 | $ 87,000 | $ 44,000 |
| Cherokee County Georgia | 33 | $ 5,568,000 | $ 168,000 | $ 70,000 |
| Gwinnett County Georgia | 33 | $ 5,036,000 | $ 152,000 | $ 62,000 |
| Fulton County Georgia | 31 | $ 5,519,000 | $ 178,000 | $ 176,000 |
| DeKalb County Georgia | 21 | $ 2,908,000 | $ 138,000 | $ 60,000 |
| Morgan County Alabama | 17 | $ 1,761,000 | $ 103,000 | $ 57,000 |
| Clayton County Georgia | 12 | $ 1,331,000 | $ 110,000 | $ 99,000 |
| Glascock County Georgia | 12 | $ 387,000 | $ 32,000 | $ 39,000 |
| Forsyth County Georgia | 11 | $ 1,860,000 | $ 169,000 | $ 50,000 |
| Paulding County Georgia | 11 | $ 1,243,000 | $ 113,000 | $ 39,000 |
| Carroll County Georgia | 9 | $ 935,000 | $ 103,000 | $ 45,000 |
| Fayette County Georgia | 9 | $ 997,000 | $ 110,000 | $ 129,000 |
| Coweta County Georgia | 8 | $ 1,247,000 | $ 155,000 | $ 67,000 |
| Bartow County Georgia | 7 | $ 766,000 | $ 109,000 | $ 51,000 |
| Berrien County Georgia | 7 | $ 755,000 | $ 107,000 | $ 62,000 |
| Brooks County Georgia | 7 | $ 727,000 | $ 103,000 | $ 48,000 |
| Bay County Florida | 6 | $ 1,224,000 | $ 204,000 | $ 108,000 |
| Newton County Georgia | 6 | $ 772,000 | $ 128,000 | $ 81,000 |
| Spalding County Georgia | 6 | $ 576,000 | $ 96,000 | $ 38,000 |
| Barrow County Georgia | 5 | $ 650,000 | $ 130,000 | $ 37,000 |
| Gordon County Georgia | 5 | $ 548,000 | $ 109,000 | $ 44,000 |
| Hall County Georgia | 5 | $ 640,000 | $ 128,000 | $ 58,000 |
| Jasper County Georgia | 5 | $ 773,000 | $ 154,000 | $ 81,000 |
| Lanier County Georgia | 5 | $ 659,000 | $ 131,000 | $ 62,000 |
| Whitfield County Georgia | 5 | $ 703,000 | $ 140,000 | $ 33,000 |
| Bibb County Georgia | 4 | $ 150,000 | $ 37,000 | $ 156,000 |
| Clarke County Georgia | 4 | $ 627,000 | $ 156,000 | $ 51,000 |
| Dawson County Georgia | 4 | $ 412,000 | $ 103,000 | $ 72,000 |
| Douglas County Georgia | 4 | $ 585,000 | $ 146,000 | $ 52,000 |
| Jackson County Georgia | 4 | $ 259,000 | $ 64,000 | $ 36,000 |
| Pickens County Georgia | 4 | $ 583,000 | $ 145,000 | $ 58,000 |
| Pike County Georgia | 4 | $ 404,000 | $ 101,000 | $ 90,000 |
| Walton County Georgia | 4 | $ 489,000 | $ 122,000 | $ 71,000 |
| Lee County Alabama | 3 | $ 246,000 | $ 82,000 | $ 48,000 |
| Walton County Florida | 3 | $ 479,000 | $ 159,000 | $ 95,000 |
| Floyd County Georgia | 3 | $ 329,000 | $ 109,000 | $ 90,000 |
| Lamar County Georgia | 3 | $ 220,000 | $ 73,000 | $ 40,000 |
| Monroe County Georgia | 3 | $ 280,000 | $ 93,000 | $ 57,000 |
| Polk County Georgia | 3 | $ 406,000 | $ 135,000 | $ 62,000 |
| Cherokee County Alabama | 2 | $ 317,000 | $ 158,000 | $ 124,000 |
| Franklin County Alabama | 2 | $ 120,000 | $ 60,000 | $ 41,000 |
| Jackson County Alabama | 2 | $ 129,000 | $ 64,000 | $ 21,000 |
| Lawrence County Alabama | 2 | $ 171,000 | $ 85,000 | $ 37,000 |
| Washington County Florida | 2 | $ 183,000 | $ 91,000 | $ 37,000 |
| Gilmer County Georgia | 2 | $ 216,000 | $ 108,000 | $ 37,000 |
| Jones County Georgia | 2 | $ 220,000 | $ 110,000 | $ 33,000 |
| Lumpkin County Georgia | 2 | $ 163,000 | $ 81,000 | $ 80,000 |
| Oconee County Georgia | 2 | $ 585,000 | $ 292,000 | $ 898,000 |
| Rockdale County Georgia | 2 | $ 161,000 | $ 80,000 | $ 68,000 |
| Union County Georgia | 2 | $ 289,000 | $ 144,000 | $ 40,000 |
| Lake County Ohio | 2 | $ 368,000 | $ 184,000 | $ 82,000 |
| Bradley County Tennessee | 2 | $ 179,000 | $ 89,000 | $ 46,000 |
| Hamilton County Tennessee | 2 | $ 155,000 | $ 77,000 | $ 51,000 |
| Tarrant County Texas | 2 | $ 243,000 | $ 121,000 | $ 165,000 |
| Chesterfield County Virginia | 2 | $ 336,000 | $ 168,000 | $ 100,000 |
| Chambers County Alabama | 1 | $ 45,000 | $ 45,000 | $ 39,000 |
| Coffee County Alabama | 1 | $ 163,000 | $ 163,000 | $ 51,000 |
| Henry County Alabama | 1 | $ 72,000 | $ 72,000 | $ 19,000 |
| Houston County Alabama | 1 | $ 78,000 | $ 78,000 | $ 33,000 |
| Randolph County Alabama | 1 | $ 239,000 | $ 239,000 | $ 115,000 |
| New Castle County Delaware | 1 | $ 40,000 | $ 40,000 | $ 43,000 |
| Collier County Florida | 1 | $ 3,000,000 | $ 3,000,000 | $ 1,137,000 |
| Hillsborough County Florida | 1 | $ 192,000 | $ 192,000 | $ 54,000 |
| Marion County Florida | 1 | $ 81,000 | $ 81,000 | $ 42,000 |
| Okaloosa County Florida | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Seminole County Florida | 1 | $ 169,000 | $ 169,000 | $ 0 |
| St. Lucie County Florida | 1 | $ 78,000 | $ 78,000 | $ 37,000 |
| Appling County Georgia | 1 | $ 91,000 | $ 91,000 | $ 52,000 |
| Bleckley County Georgia | 1 | $ 98,000 | $ 98,000 | $ 63,000 |
| Bulloch County Georgia | 1 | $ 125,000 | $ 125,000 | $ 80,000 |
| Burke County Georgia | 1 | $ 91,000 | $ 91,000 | $ 48,000 |
| Butts County Georgia | 1 | $ 62,000 | $ 62,000 | $ 18,000 |
| Clinch County Georgia | 1 | $ 132,000 | $ 132,000 | $ 123,000 |
| Columbia County Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Dodge County Georgia | 1 | $ 96,000 | $ 96,000 | $ 46,000 |
| Echols County Georgia | 1 | $ 179,000 | $ 179,000 | $ 32,000 |
| Emanuel County Georgia | 1 | $ 109,000 | $ 109,000 | $ 48,000 |
| Glynn County Georgia | 1 | $ 141,000 | $ 141,000 | $ 93,000 |
| Haralson County Georgia | 1 | $ 164,000 | $ 164,000 | $ 44,000 |
| Heard County Georgia | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Macon County Georgia | 1 | $ 82,000 | $ 82,000 | $ 28,000 |
| Madison County Georgia | 1 | $ 89,000 | $ 89,000 | $ 31,000 |
| Meriwether County Georgia | 1 | $ 101,000 | $ 101,000 | $ 44,000 |
| Morgan County Georgia | 1 | $ 92,000 | $ 92,000 | $ 40,000 |
| Muscogee County Georgia | 1 | $ 185,000 | $ 185,000 | $ 56,000 |
| Peach County Georgia | 1 | $ 112,000 | $ 112,000 | $ 30,000 |
| Richmond County Georgia | 1 | $ 87,000 | $ 87,000 | $ 38,000 |
| Stephens County Georgia | 1 | $ 55,000 | $ 55,000 | $ 66,000 |
| Tattnall County Georgia | 1 | $ 169,000 | $ 169,000 | $ 81,000 |
| Toombs County Georgia | 1 | $ 83,000 | $ 83,000 | $ 53,000 |
| Troup County Georgia | 1 | $ 170,000 | $ 170,000 | $ 60,000 |
| Twiggs County Georgia | 1 | $ 83,000 | $ 83,000 | $ 21,000 |
| Upson County Georgia | 1 | $ 151,000 | $ 151,000 | $ 33,000 |
| Walker County Georgia | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Ware County Georgia | 1 | $ 73,000 | $ 73,000 | $ 41,000 |
| White County Georgia | 1 | $ 62,000 | $ 62,000 | $ 46,000 |
| Wilkinson County Georgia | 1 | $ 103,000 | $ 103,000 | $ 57,000 |
| Frederick County Maryland | 1 | $ 153,000 | $ 153,000 | $ 100,000 |
| Clay County North Carolina | 1 | $ 110,000 | $ 110,000 | $ 120,000 |
| Cumberland County North Carolina | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Jackson County North Carolina | 1 | $ 520,000 | $ 520,000 | $ 418,000 |
| Mecklenburg County North Carolina | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Pamlico County North Carolina | 1 | $ 88,000 | $ 88,000 | $ 48,000 |
| Aiken County South Carolina | 1 | $ 269,000 | $ 269,000 | $ 145,000 |
| Charleston County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 172,000 |
| Florence County South Carolina | 1 | $ 59,000 | $ 59,000 | $ 65,000 |
| Giles County Tennessee | 1 | $ 71,000 | $ 71,000 | $ 95,000 |
| Knox County Tennessee | 1 | $ 178,000 | $ 178,000 | $ 89,000 |
| Polk County Tennessee | 1 | $ 76,000 | $ 76,000 | $ 22,000 |
Mortgage Loan Application Detail Totals for Firstcitybank in 2005
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 575 | $77,575,000 | $166,090 | $3,000,000 | $107,000 | $1,137,000 |
| Refinancing | 152 | $22,466,000 | $155,000 | $1,219,000 | $66,714 | $1,643,000 |
| Home Improvement | 2 | $50,000 | $25,000 | $35,000 | $55,000 | $64,000 |
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 | 568 | $77,224,000 | $166,000 | $3,000,000 | $109,818 | $1,137,000 |
| Black or African American | 107 | $13,632,000 | $99,750 | $372,000 | $52,250 | $1,643,000 |
| Hispanic | 23 | $2,822,000 | $140,666 | $240,000 | $52,333 | $123,000 |
| Asian | 11 | $1,932,000 | $175,000 | $267,000 | $93,000 | $360,000 |
| Not Provided | 11 | $1,669,000 | $136,500 | $269,000 | $72,750 | $145,000 |
| Not applicable | 6 | $2,259,000 | $376,000 | $1,219,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $296,000 | $148,000 | $152,000 | $45,000 | $46,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $257,000 | $257,000 | $257,000 | $108,000 | $108,000 |
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) | 411 | $61,994,000 | $184,000 | $3,000,000 | $119,416 | $1,643,000 |
| FHA-insured (Federal Housing Administration) | 240 | $26,384,000 | $97,800 | $229,000 | $44,600 | $237,000 |
| VA-guaranteed (Veterans Administration) | 74 | $11,329,000 | $135,333 | $317,000 | $37,666 | $179,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $384,000 | $96,000 | $144,000 | $36,000 | $53,000 |
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 | 511 | $68,804,000 | $181,375 | $3,000,000 | $109,250 | $1,643,000 |
| Loan Purchased By The Institution | 192 | $26,731,000 | $114,428 | $676,000 | $65,428 | $899,000 |
| Application Withdrawn By Applicant | 14 | $2,506,000 | $179,000 | $529,000 | $65,000 | $213,000 |
| Application Denied By Financial Institution | 6 | $1,047,000 | $192,000 | $270,000 | $90,333 | $120,000 |
| Application Approved But Not Accepted | 3 | $427,000 | $142,000 | $150,000 | $206,000 | $550,000 |
| File Closed For Incompleteness | 3 | $576,000 | $192,000 | $261,000 | $88,000 | $156,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Credit History | 2 | $422,000 | $211,000 | $270,000 | $82,500 | $117,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Firstcitybank's 2005 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 Firstcitybank'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.
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with aggregated HMDA statistics today.