Firstcitybank Mortgage Lending & HMDA Data, 2004
In 2004, Firstcitybank of Stockbridge, GA reported 1,565 mortgage applications totaling $201.8 million, up 611% from 2003. The average application was for $128,934, and applicants reported an average income of $61,221. 95% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (675), Huntsville, AL (537) and Decatur, AL (78) (applications in parentheses).
| 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 | 1,565 |
| Total Mortgage Loan Application Amount | $201,782,000 |
| Average Mortgage Loan Application Amount | $128,934 |
| Highest Mortgage Loan Application Amount | $995,000 |
| Average Applicant Income | $61,221 |
| Highest Applicant Income | $3,346,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Firstcitybank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 675 | $ 102,531,000 | $ 151,897 | $ 73,000 |
| Huntsville, AL | 537 | $ 58,284,000 | $ 108,536 | $ 49,000 |
| Decatur, AL | 78 | $ 7,702,000 | $ 98,743 | $ 43,000 |
| Valdosta, GA | 59 | $ 7,446,000 | $ 126,203 | $ 58,000 |
| Gainesville, GA | 51 | $ 5,572,000 | $ 109,254 | $ 35,000 |
| Athens-Clarke County, GA | 7 | $ 978,000 | $ 139,714 | $ 45,000 |
| Florence-Muscle Shoals, AL | 7 | $ 670,000 | $ 95,714 | $ 40,000 |
| Chattanooga, TN-GA | 6 | $ 601,000 | $ 100,166 | $ 50,000 |
| Knoxville, TN | 4 | $ 445,000 | $ 111,250 | $ 37,000 |
| Birmingham-Hoover, AL | 3 | $ 647,000 | $ 215,666 | $ 78,000 |
| Columbus, GA-AL | 3 | $ 355,000 | $ 118,333 | $ 121,000 |
| Jacksonville, FL | 3 | $ 496,000 | $ 165,333 | $ 74,000 |
| Macon, GA | 3 | $ 407,000 | $ 135,666 | $ 48,000 |
| Savannah, GA | 3 | $ 399,000 | $ 133,000 | $ 56,000 |
| Auburn-Opelika, AL | 2 | $ 218,000 | $ 109,000 | $ 27,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 179,000 | $ 89,500 | $ 59,000 |
| Dayton, OH | 2 | $ 227,000 | $ 113,500 | $ 65,000 |
| Orlando, FL | 2 | $ 314,000 | $ 157,000 | $ 100,000 |
| Panama City-Lynn Haven, FL | 2 | $ 416,000 | $ 208,000 | $ 108,000 |
| Richmond, VA | 2 | $ 166,000 | $ 83,000 | $ 39,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 461,000 | $ 230,500 | $ 138,000 |
| Anderson, SC | 1 | $ 98,000 | $ 98,000 | $ 53,000 |
| Charleston-North Charleston, SC | 1 | $ 122,000 | $ 122,000 | $ 48,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 175,000 | $ 175,000 | $ 57,000 |
| Fayetteville, NC | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 127,000 | $ 127,000 | $ 31,000 |
| Fort Worth-Arlington, TX | 1 | $ 110,000 | $ 110,000 | $ 74,000 |
| Greensboro-High Point, NC | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Mobile, AL | 1 | $ 134,000 | $ 134,000 | $ 40,000 |
| Montgomery, AL | 1 | $ 77,000 | $ 77,000 | $ 16,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 64,000 | $ 64,000 | $ 17,000 |
| Rome, GA | 1 | $ 81,000 | $ 81,000 | $ 28,000 |
| Tuscaloosa, AL | 1 | $ 300,000 | $ 300,000 | $ 115,000 |
| Warner Robins, GA | 1 | $ 126,000 | $ 126,000 | $ 159,000 |
Mortgage Loan Application Detail Totals for Firstcitybank in 2004
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 | 1,080 | $134,519,000 | $138,500 | $688,000 | $76,500 | $548,000 |
| Refinancing | 484 | $67,227,000 | $114,625 | $995,000 | $47,125 | $3,346,000 |
| Home Improvement | 1 | $36,000 | $36,000 | $36,000 | $34,000 | $34,000 |
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 | 1,060 | $137,025,000 | $122,750 | $995,000 | $68,000 | $3,346,000 |
| Black or African American | 331 | $41,376,000 | $120,000 | $334,000 | $27,000 | $278,000 |
| Hispanic | 95 | $11,532,000 | $105,333 | $266,000 | $43,000 | $142,000 |
| Not Provided | 46 | $6,473,000 | $159,333 | $326,000 | $71,000 | $166,000 |
| Asian | 22 | $3,994,000 | $175,000 | $644,000 | $47,500 | $280,000 |
| Not applicable | 6 | $847,000 | $141,000 | $416,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $321,000 | $122,500 | $170,000 | $37,500 | $59,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $214,000 | $107,000 | $110,000 | $43,000 | $49,000 |
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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 741 | $81,519,000 | $116,500 | $311,000 | $39,250 | $148,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 696 | $102,691,000 | $128,625 | $995,000 | $72,625 | $3,346,000 |
| VA-guaranteed (Veterans Administration) | 125 | $17,184,000 | $120,200 | $240,000 | $23,800 | $142,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $388,000 | $118,500 | $180,000 | $45,500 | $71,000 |
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 | 1,485 | $191,008,000 | $121,666 | $995,000 | $55,555 | $3,346,000 |
| Loan Purchased By The Institution | 38 | $5,014,000 | $110,000 | $319,000 | $61,666 | $396,000 |
| Application Withdrawn By Applicant | 26 | $3,532,000 | $202,500 | $275,000 | $120,500 | $203,000 |
| Application Denied By Financial Institution | 13 | $1,632,000 | $125,000 | $176,000 | $63,000 | $130,000 |
| File Closed For Incompleteness | 3 | $596,000 | $198,000 | $278,000 | $70,000 | $88,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 10 | $1,209,000 | $120,000 | $176,000 | $58,000 | $73,000 |
| Credit History | 2 | $250,000 | $125,000 | $160,000 | $53,000 | $71,000 |
| Collateral | 1 | $173,000 | $173,000 | $173,000 | $130,000 | $130,000 |
| Credit Application Incomplete | 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 Firstcitybank's 2004 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.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.
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