First-Citizens Bank & Trust Company
Mortgage Loan Application
Totals and Details
for 2017
Find mortgage loan statistics, lending data, and loan application totals for North Carolina.
The mortgage statistics and data below are specific to mortgage loan applications for First-Citizens Bank & Trust Company.
Search for mortgage lenders by state, county, or metropolitan area
and explore the loan application details and stats broken down by several loan categories from 2003-2022.
| 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 | 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 11,524 |
| Total Mortgage Loan Application Amount | $2,530,396,000 |
| Average Mortgage Loan Application Amount | $197,666 |
| Highest Mortgage Loan Application Amount | $29,000,000 |
| Average Applicant Income | $118,333 |
| Highest Applicant Income | $5,335,000 |
Overall mortgage application loan totals and averages for this lender are provided for each year by county, metro area, and the entire US.
The loan data is broken down by loan purpose, loan type, applicant race, application outcome, and denial reason. With this information, you can get a detailed view of locations
where the mortgage lender is actively processing applications as well as the types and outcomes of loans from these applications.
As you search for mortgage loan stats and lending data in NC, the totals and averages will help you understand where the lender does business as well as the volume of business they do.
| 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 | 561 | $ 180,476,000 | $ 321,000 | $ 187,000 |
| Mecklenburg County North Carolina | 543 | $ 118,021,000 | $ 217,000 | $ 117,000 |
| Charleston County South Carolina | 512 | $ 165,987,000 | $ 324,000 | $ 157,000 |
| Richland County South Carolina | 462 | $ 83,748,000 | $ 181,000 | $ 103,000 |
| Greenville County South Carolina | 321 | $ 76,737,000 | $ 239,000 | $ 130,000 |
| Spartanburg County South Carolina | 277 | $ 41,390,000 | $ 149,000 | $ 90,000 |
| Lexington County South Carolina | 263 | $ 52,802,000 | $ 200,000 | $ 105,000 |
| Guilford County North Carolina | 262 | $ 57,551,000 | $ 219,000 | $ 135,000 |
| Horry County South Carolina | 215 | $ 42,572,000 | $ 198,000 | $ 115,000 |
| Berkeley County South Carolina | 192 | $ 37,997,000 | $ 197,000 | $ 82,000 |
| Durham County North Carolina | 188 | $ 52,345,000 | $ 278,000 | $ 159,000 |
| Buncombe County North Carolina | 187 | $ 65,384,000 | $ 349,000 | $ 184,000 |
| Cumberland County North Carolina | 186 | $ 22,728,000 | $ 122,000 | $ 90,000 |
| Forsyth County North Carolina | 182 | $ 33,393,000 | $ 183,000 | $ 108,000 |
| New Hanover County North Carolina | 181 | $ 57,831,000 | $ 319,000 | $ 204,000 |
| Anderson County South Carolina | 172 | $ 26,445,000 | $ 153,000 | $ 92,000 |
| Henderson County North Carolina | 171 | $ 39,983,000 | $ 233,000 | $ 112,000 |
| Dorchester County South Carolina | 156 | $ 30,080,000 | $ 192,000 | $ 76,000 |
| Florence County South Carolina | 156 | $ 23,815,000 | $ 152,000 | $ 90,000 |
| York County South Carolina | 156 | $ 28,537,000 | $ 182,000 | $ 90,000 |
| Darlington County South Carolina | 154 | $ 22,792,000 | $ 148,000 | $ 78,000 |
| Craven County North Carolina | 151 | $ 33,106,000 | $ 219,000 | $ 113,000 |
| Johnston County North Carolina | 148 | $ 22,872,000 | $ 154,000 | $ 69,000 |
| Brunswick County North Carolina | 126 | $ 39,086,000 | $ 310,000 | $ 199,000 |
| Union County North Carolina | 124 | $ 32,751,000 | $ 264,000 | $ 142,000 |
| Carteret County North Carolina | 123 | $ 31,641,000 | $ 257,000 | $ 151,000 |
| Aiken County South Carolina | 123 | $ 19,712,000 | $ 160,000 | $ 87,000 |
| Pickens County South Carolina | 116 | $ 18,703,000 | $ 161,000 | $ 112,000 |
| Sumter County South Carolina | 107 | $ 13,135,000 | $ 122,000 | $ 83,000 |
| Pitt County North Carolina | 106 | $ 16,962,000 | $ 160,000 | $ 114,000 |
| Catawba County North Carolina | 104 | $ 20,554,000 | $ 197,000 | $ 140,000 |
| Lancaster County South Carolina | 95 | $ 15,707,000 | $ 165,000 | $ 126,000 |
| Georgetown County South Carolina | 93 | $ 28,326,000 | $ 304,000 | $ 209,000 |
| Orangeburg County South Carolina | 92 | $ 11,311,000 | $ 122,000 | $ 127,000 |
| Moore County North Carolina | 90 | $ 31,307,000 | $ 347,000 | $ 226,000 |
| Greenwood County South Carolina | 90 | $ 15,599,000 | $ 173,000 | $ 85,000 |
| Caldwell County North Carolina | 89 | $ 13,899,000 | $ 156,000 | $ 79,000 |
| Orange County North Carolina | 85 | $ 37,021,000 | $ 435,000 | $ 210,000 |
| Kershaw County South Carolina | 85 | $ 14,453,000 | $ 170,000 | $ 88,000 |
| Chesterfield County South Carolina | 80 | $ 8,179,000 | $ 102,000 | $ 88,000 |
| Oconee County South Carolina | 76 | $ 15,248,000 | $ 200,000 | $ 181,000 |
| Pender County North Carolina | 70 | $ 15,510,000 | $ 221,000 | $ 161,000 |
| Transylvania County North Carolina | 70 | $ 12,887,000 | $ 184,000 | $ 113,000 |
| Cabarrus County North Carolina | 66 | $ 14,337,000 | $ 217,000 | $ 94,000 |
| Dillon County South Carolina | 63 | $ 6,057,000 | $ 96,000 | $ 65,000 |
| Onslow County North Carolina | 62 | $ 10,249,000 | $ 165,000 | $ 94,000 |
| Wayne County North Carolina | 58 | $ 6,546,000 | $ 112,000 | $ 67,000 |
| Beaufort County South Carolina | 58 | $ 22,516,000 | $ 388,000 | $ 195,000 |
| Pittsylvania County Virginia | 58 | $ 8,882,000 | $ 153,000 | $ 73,000 |
| Roanoke County Virginia | 58 | $ 9,921,000 | $ 171,000 | $ 85,000 |
| Chester County South Carolina | 56 | $ 7,202,000 | $ 128,000 | $ 80,000 |
| Madison County Georgia | 55 | $ 6,167,000 | $ 112,000 | $ 64,000 |
| Marlboro County South Carolina | 55 | $ 3,516,000 | $ 63,000 | $ 48,000 |
| Burke County North Carolina | 54 | $ 6,131,000 | $ 113,000 | $ 93,000 |
| Iredell County North Carolina | 54 | $ 14,151,000 | $ 262,000 | $ 177,000 |
| Roanoke City County Virginia | 54 | $ 9,496,000 | $ 175,000 | $ 108,000 |
| Watauga County North Carolina | 53 | $ 19,245,000 | $ 363,000 | $ 219,000 |
| Franklin County North Carolina | 51 | $ 7,269,000 | $ 142,000 | $ 65,000 |
| Jackson County North Carolina | 49 | $ 9,373,000 | $ 191,000 | $ 122,000 |
| Hart County Georgia | 48 | $ 8,715,000 | $ 181,000 | $ 77,000 |
| Danville County Virginia | 48 | $ 4,290,000 | $ 89,000 | $ 43,000 |
| Chatham County North Carolina | 47 | $ 16,566,000 | $ 352,000 | $ 177,000 |
| Harnett County North Carolina | 46 | $ 6,810,000 | $ 148,000 | $ 79,000 |
| Rockingham County North Carolina | 46 | $ 5,067,000 | $ 110,000 | $ 66,000 |
| Randolph County North Carolina | 42 | $ 5,963,000 | $ 141,000 | $ 81,000 |
| Rutherford County North Carolina | 42 | $ 8,633,000 | $ 205,000 | $ 125,000 |
| Davidson County North Carolina | 40 | $ 7,867,000 | $ 196,000 | $ 103,000 |
| Haywood County North Carolina | 40 | $ 7,142,000 | $ 178,000 | $ 94,000 |
| Wilson County North Carolina | 40 | $ 5,842,000 | $ 146,000 | $ 67,000 |
| Macon County North Carolina | 39 | $ 7,590,000 | $ 194,000 | $ 100,000 |
| Bedford County Virginia | 39 | $ 8,652,000 | $ 221,000 | $ 115,000 |
| Lincoln County North Carolina | 38 | $ 7,399,000 | $ 194,000 | $ 127,000 |
| Marion County South Carolina | 38 | $ 4,001,000 | $ 105,000 | $ 58,000 |
| Saluda County South Carolina | 37 | $ 3,307,000 | $ 89,000 | $ 64,000 |
| Chatham County Georgia | 36 | $ 10,140,000 | $ 281,000 | $ 139,000 |
| Fulton County Georgia | 36 | $ 18,827,000 | $ 522,000 | $ 165,000 |
| Stephens County Georgia | 36 | $ 3,908,000 | $ 108,000 | $ 56,000 |
| Polk County North Carolina | 36 | $ 7,332,000 | $ 203,000 | $ 109,000 |
| Surry County North Carolina | 36 | $ 4,806,000 | $ 133,000 | $ 66,000 |
| Clarendon County South Carolina | 36 | $ 6,216,000 | $ 172,000 | $ 96,000 |
| Stokes County North Carolina | 33 | $ 4,073,000 | $ 123,000 | $ 49,000 |
| Franklin County Georgia | 31 | $ 4,703,000 | $ 151,000 | $ 134,000 |
| Cherokee County North Carolina | 31 | $ 3,369,000 | $ 108,000 | $ 49,000 |
| Sampson County North Carolina | 31 | $ 3,474,000 | $ 112,000 | $ 91,000 |
| Beaufort County North Carolina | 30 | $ 5,862,000 | $ 195,000 | $ 126,000 |
| Lee County North Carolina | 30 | $ 3,710,000 | $ 123,000 | $ 83,000 |
| Fairfield County South Carolina | 30 | $ 5,027,000 | $ 167,000 | $ 132,000 |
| Ashe County North Carolina | 29 | $ 4,587,000 | $ 158,000 | $ 104,000 |
| Abbeville County South Carolina | 29 | $ 2,977,000 | $ 102,000 | $ 95,000 |
| McCormick County South Carolina | 29 | $ 5,245,000 | $ 180,000 | $ 82,000 |
| Gaston County North Carolina | 28 | $ 4,723,000 | $ 168,000 | $ 75,000 |
| Newberry County South Carolina | 28 | $ 3,483,000 | $ 124,000 | $ 79,000 |
| Greenbrier County West Virginia | 28 | $ 2,371,000 | $ 84,000 | $ 49,000 |
| Edgefield County South Carolina | 27 | $ 4,058,000 | $ 150,000 | $ 76,000 |
| McDowell County North Carolina | 26 | $ 5,277,000 | $ 202,000 | $ 84,000 |
| Swain County North Carolina | 26 | $ 3,426,000 | $ 131,000 | $ 85,000 |
| Mecklenburg County Virginia | 26 | $ 3,457,000 | $ 132,000 | $ 79,000 |
| Lenoir County North Carolina | 25 | $ 2,455,000 | $ 98,000 | $ 79,000 |
| Laurens County South Carolina | 25 | $ 3,206,000 | $ 128,000 | $ 160,000 |
| Williamsburg County South Carolina | 24 | $ 2,555,000 | $ 106,000 | $ 91,000 |
| Maricopa County Arizona | 22 | $ 12,475,000 | $ 567,000 | $ 205,000 |
| Graham County North Carolina | 22 | $ 3,423,000 | $ 155,000 | $ 77,000 |
| Pamlico County North Carolina | 22 | $ 4,946,000 | $ 224,000 | $ 87,000 |
| Pocahontas County West Virginia | 22 | $ 2,589,000 | $ 117,000 | $ 104,000 |
| Palm Beach County Florida | 21 | $ 10,459,000 | $ 498,000 | $ 129,000 |
| Alamance County North Carolina | 21 | $ 4,119,000 | $ 196,000 | $ 102,000 |
| Avery County North Carolina | 20 | $ 6,084,000 | $ 304,000 | $ 320,000 |
| Stanly County North Carolina | 20 | $ 4,106,000 | $ 205,000 | $ 98,000 |
| Gwinnett County Georgia | 19 | $ 3,409,000 | $ 179,000 | $ 194,000 |
| Richmond County Georgia | 19 | $ 4,024,000 | $ 211,000 | $ 83,000 |
| Halifax County North Carolina | 19 | $ 2,838,000 | $ 149,000 | $ 130,000 |
| Wilkes County North Carolina | 19 | $ 2,933,000 | $ 154,000 | $ 56,000 |
| Albemarle County Virginia | 19 | $ 6,800,000 | $ 357,000 | $ 234,000 |
| Columbia County Georgia | 18 | $ 4,072,000 | $ 226,000 | $ 141,000 |
| Rowan County North Carolina | 18 | $ 2,777,000 | $ 154,000 | $ 84,000 |
| Botetourt County Virginia | 18 | $ 3,140,000 | $ 174,000 | $ 74,000 |
| Montgomery County Virginia | 18 | $ 3,298,000 | $ 183,000 | $ 109,000 |
| Columbus County North Carolina | 17 | $ 2,344,000 | $ 137,000 | $ 84,000 |
| DeKalb County Georgia | 16 | $ 4,300,000 | $ 268,000 | $ 90,000 |
| Colleton County South Carolina | 16 | $ 4,125,000 | $ 257,000 | $ 164,000 |
| Lee County South Carolina | 16 | $ 1,393,000 | $ 87,000 | $ 48,000 |
| Brunswick County Virginia | 16 | $ 2,535,000 | $ 158,000 | $ 92,000 |
| Lynchburg County Virginia | 16 | $ 2,450,000 | $ 153,000 | $ 116,000 |
| Los Angeles County California | 15 | $ 10,489,000 | $ 699,000 | $ 204,000 |
| Cobb County Georgia | 15 | $ 3,827,000 | $ 255,000 | $ 192,000 |
| Bladen County North Carolina | 15 | $ 2,405,000 | $ 160,000 | $ 85,000 |
| Madison County North Carolina | 15 | $ 3,211,000 | $ 214,000 | $ 92,000 |
| Barnwell County South Carolina | 15 | $ 1,694,000 | $ 112,000 | $ 52,000 |
| Calhoun County South Carolina | 15 | $ 2,492,000 | $ 166,000 | $ 71,000 |
| Greensville County Virginia | 15 | $ 1,327,000 | $ 88,000 | $ 58,000 |
| Rockingham County Virginia | 15 | $ 4,793,000 | $ 319,000 | $ 91,000 |
| Clarke County Georgia | 14 | $ 1,439,000 | $ 102,000 | $ 122,000 |
| Alexander County North Carolina | 13 | $ 2,183,000 | $ 167,000 | $ 66,000 |
| Granville County North Carolina | 13 | $ 2,513,000 | $ 193,000 | $ 89,000 |
| Robeson County North Carolina | 13 | $ 1,084,000 | $ 83,000 | $ 75,000 |
| Cherokee County South Carolina | 13 | $ 1,084,000 | $ 83,000 | $ 53,000 |
| Duval County Florida | 12 | $ 4,002,000 | $ 333,000 | $ 183,000 |
| Oglethorpe County Georgia | 12 | $ 1,399,000 | $ 116,000 | $ 96,000 |
| Duplin County North Carolina | 12 | $ 1,337,000 | $ 111,000 | $ 59,000 |
| Pasquotank County North Carolina | 12 | $ 1,709,000 | $ 142,000 | $ 77,000 |
| Warren County North Carolina | 12 | $ 2,135,000 | $ 177,000 | $ 148,000 |
| Chesterfield County Virginia | 12 | $ 2,619,000 | $ 218,000 | $ 86,000 |
| Cleveland County North Carolina | 11 | $ 945,000 | $ 85,000 | $ 42,000 |
| Dare County North Carolina | 11 | $ 3,092,000 | $ 281,000 | $ 223,000 |
| Greene County North Carolina | 11 | $ 935,000 | $ 85,000 | $ 62,000 |
| Montgomery County North Carolina | 11 | $ 2,383,000 | $ 216,000 | $ 130,000 |
| Davidson County Tennessee | 11 | $ 3,298,000 | $ 299,000 | $ 191,000 |
| Charlottesville County Virginia | 11 | $ 2,928,000 | $ 266,000 | $ 268,000 |
| McDuffie County Georgia | 10 | $ 1,365,000 | $ 136,000 | $ 102,000 |
| Davie County North Carolina | 10 | $ 2,632,000 | $ 263,000 | $ 178,000 |
| Henrico County Virginia | 10 | $ 2,798,000 | $ 279,000 | $ 111,000 |
| Richmond City County Virginia | 10 | $ 3,169,000 | $ 316,000 | $ 121,000 |
| Salem County Virginia | 10 | $ 1,836,000 | $ 183,000 | $ 142,000 |
| Broward County Florida | 9 | $ 5,998,000 | $ 666,000 | $ 592,000 |
| Clay County North Carolina | 9 | $ 1,007,000 | $ 111,000 | $ 91,000 |
| Nash County North Carolina | 9 | $ 1,504,000 | $ 167,000 | $ 88,000 |
| Yancey County North Carolina | 9 | $ 1,372,000 | $ 152,000 | $ 108,000 |
| Union County South Carolina | 9 | $ 841,000 | $ 93,000 | $ 61,000 |
| Hamilton County Tennessee | 9 | $ 5,769,000 | $ 641,000 | $ 193,000 |
| Franklin County Virginia | 9 | $ 3,852,000 | $ 428,000 | $ 281,000 |
| Forsyth County Georgia | 8 | $ 2,474,000 | $ 309,000 | $ 160,000 |
| Yadkin County North Carolina | 8 | $ 1,328,000 | $ 166,000 | $ 142,000 |
| Oklahoma County Oklahoma | 8 | $ 799,000 | $ 99,000 | $ 82,000 |
| Floyd County Virginia | 8 | $ 1,030,000 | $ 128,000 | $ 107,000 |
| King County Washington | 8 | $ 6,228,000 | $ 778,000 | $ 249,000 |
| Riverside County California | 7 | $ 4,102,000 | $ 586,000 | $ 280,000 |
| Denver County Colorado | 7 | $ 6,395,000 | $ 913,000 | $ 422,000 |
| Miami-Dade County Florida | 7 | $ 2,679,000 | $ 382,000 | $ 165,000 |
| Jones County North Carolina | 7 | $ 1,666,000 | $ 238,000 | $ 135,000 |
| Martin County North Carolina | 7 | $ 419,000 | $ 59,000 | $ 54,000 |
| Knox County Tennessee | 7 | $ 5,621,000 | $ 803,000 | $ 521,000 |
| Sevier County Tennessee | 7 | $ 1,767,000 | $ 252,000 | $ 272,000 |
| Travis County Texas | 7 | $ 4,516,000 | $ 645,000 | $ 272,000 |
| Augusta County Virginia | 7 | $ 1,310,000 | $ 187,000 | $ 209,000 |
| Pulaski County Virginia | 7 | $ 659,000 | $ 94,000 | $ 120,000 |
| Cherokee County Georgia | 6 | $ 3,275,000 | $ 545,000 | $ 183,000 |
| Alleghany County Virginia | 6 | $ 469,000 | $ 78,000 | $ 53,000 |
| San Diego County California | 5 | $ 1,996,000 | $ 399,000 | $ 79,000 |
| Martin County Florida | 5 | $ 1,183,000 | $ 236,000 | $ 80,000 |
| Elbert County Georgia | 5 | $ 892,000 | $ 178,000 | $ 54,000 |
| Prince George's County Maryland | 5 | $ 1,451,000 | $ 290,000 | $ 156,000 |
| Bernalillo County New Mexico | 5 | $ 2,468,000 | $ 493,000 | $ 330,000 |
| Currituck County North Carolina | 5 | $ 1,457,000 | $ 291,000 | $ 44,000 |
| Hoke County North Carolina | 5 | $ 474,000 | $ 94,000 | $ 29,000 |
| Vance County North Carolina | 5 | $ 694,000 | $ 138,000 | $ 75,000 |
| Harris County Texas | 5 | $ 1,461,000 | $ 292,000 | $ 217,000 |
| Carroll County Virginia | 5 | $ 224,000 | $ 44,000 | $ 17,000 |
| Emporia County Virginia | 5 | $ 368,000 | $ 73,000 | $ 72,000 |
| Fairfax County Virginia | 5 | $ 3,111,000 | $ 622,000 | $ 346,000 |
| Galax County Virginia | 5 | $ 442,000 | $ 88,000 | $ 72,000 |
| Loudoun County Virginia | 5 | $ 1,460,000 | $ 292,000 | $ 188,000 |
| Staunton County Virginia | 5 | $ 757,000 | $ 151,000 | $ 103,000 |
| District of Columbia County District Of Columbia | 4 | $ 633,000 | $ 158,000 | $ 144,000 |
| Hillsborough County Florida | 4 | $ 807,000 | $ 201,000 | $ 86,000 |
| Lee County Florida | 4 | $ 224,000 | $ 56,000 | $ 69,000 |
| Okeechobee County Florida | 4 | $ 280,000 | $ 70,000 | $ 97,000 |
| St. Johns County Florida | 4 | $ 1,110,000 | $ 277,000 | $ 297,000 |
| Barrow County Georgia | 4 | $ 583,000 | $ 145,000 | $ 42,000 |
| Jackson County Georgia | 4 | $ 504,000 | $ 126,000 | $ 58,000 |
| Jackson County Missouri | 4 | $ 706,000 | $ 176,000 | $ 1,000 |
| Edgecombe County North Carolina | 4 | $ 897,000 | $ 224,000 | $ 91,000 |
| Northampton County North Carolina | 4 | $ 1,072,000 | $ 268,000 | $ 170,000 |
| Perquimans County North Carolina | 4 | $ 727,000 | $ 181,000 | $ 68,000 |
| Bamberg County South Carolina | 4 | $ 477,000 | $ 119,000 | $ 64,000 |
| Carter County Tennessee | 4 | $ 1,130,000 | $ 282,000 | $ 116,000 |
| Johnson County Tennessee | 4 | $ 231,000 | $ 57,000 | $ 46,000 |
| Campbell County Virginia | 4 | $ 710,000 | $ 177,000 | $ 73,000 |
| Halifax County Virginia | 4 | $ 489,000 | $ 122,000 | $ 42,000 |
| Hanover County Virginia | 4 | $ 999,000 | $ 249,000 | $ 75,000 |
| Henry County Virginia | 4 | $ 624,000 | $ 156,000 | $ 30,000 |
| Nottoway County Virginia | 4 | $ 402,000 | $ 100,000 | $ 63,000 |
| Spotsylvania County Virginia | 4 | $ 1,339,000 | $ 334,000 | $ 650,000 |
| Orange County California | 3 | $ 2,392,000 | $ 797,000 | $ 241,000 |
| Placer County California | 3 | $ 1,879,000 | $ 626,000 | $ 178,000 |
| Douglas County Colorado | 3 | $ 1,681,000 | $ 560,000 | $ 271,000 |
| San Miguel County Colorado | 3 | $ 2,635,000 | $ 878,000 | $ 0 |
| Orange County Florida | 3 | $ 743,000 | $ 247,000 | $ 138,000 |
| Pinellas County Florida | 3 | $ 1,094,000 | $ 364,000 | $ 199,000 |
| Walton County Florida | 3 | $ 1,229,000 | $ 409,000 | $ 158,000 |
| Floyd County Georgia | 3 | $ 418,000 | $ 139,000 | $ 72,000 |
| Glynn County Georgia | 3 | $ 707,000 | $ 235,000 | $ 127,000 |
| Hall County Georgia | 3 | $ 1,714,000 | $ 571,000 | $ 236,000 |
| Lincoln County Georgia | 3 | $ 382,000 | $ 127,000 | $ 97,000 |
| Pickens County Georgia | 3 | $ 409,000 | $ 136,000 | $ 409,000 |
| Rabun County Georgia | 3 | $ 272,000 | $ 90,000 | $ 41,000 |
| Walton County Georgia | 3 | $ 480,000 | $ 160,000 | $ 55,000 |
| Anne Arundel County Maryland | 3 | $ 1,145,000 | $ 381,000 | $ 182,000 |
| Montgomery County Maryland | 3 | $ 740,000 | $ 246,000 | $ 374,000 |
| Hennepin County Minnesota | 3 | $ 2,268,000 | $ 756,000 | $ 361,000 |
| Alleghany County North Carolina | 3 | $ 574,000 | $ 191,000 | $ 156,000 |
| Caswell County North Carolina | 3 | $ 488,000 | $ 162,000 | $ 84,000 |
| Gates County North Carolina | 3 | $ 216,000 | $ 72,000 | $ 21,000 |
| Scotland County North Carolina | 3 | $ 250,000 | $ 83,000 | $ 63,000 |
| Tioga County Pennsylvania | 3 | $ 194,000 | $ 64,000 | $ 47,000 |
| Jasper County South Carolina | 3 | $ 429,000 | $ 143,000 | $ 175,000 |
| Tarrant County Texas | 3 | $ 2,078,000 | $ 692,000 | $ 89,000 |
| Williamson County Texas | 3 | $ 708,000 | $ 236,000 | $ 74,000 |
| Harrisonburg County Virginia | 3 | $ 610,000 | $ 203,000 | $ 245,000 |
| James City County Virginia | 3 | $ 551,000 | $ 183,000 | $ 449,000 |
| Lunenburg County Virginia | 3 | $ 394,000 | $ 131,000 | $ 52,000 |
| Pima County Arizona | 2 | $ 1,252,000 | $ 626,000 | $ 282,000 |
| Sacramento County California | 2 | $ 220,000 | $ 110,000 | $ 23,000 |
| Ventura County California | 2 | $ 1,100,000 | $ 550,000 | $ 0 |
| Summit County Colorado | 2 | $ 3,350,000 | $ 1,675,000 | $ 235,000 |
| Weld County Colorado | 2 | $ 1,263,000 | $ 631,000 | $ 259,000 |
| Brevard County Florida | 2 | $ 316,000 | $ 158,000 | $ 262,000 |
| Collier County Florida | 2 | $ 1,190,000 | $ 595,000 | $ 429,000 |
| Hernando County Florida | 2 | $ 130,000 | $ 65,000 | $ 52,000 |
| Manatee County Florida | 2 | $ 591,000 | $ 295,000 | $ 359,000 |
| Marion County Florida | 2 | $ 106,000 | $ 53,000 | $ 38,000 |
| Nassau County Florida | 2 | $ 387,000 | $ 193,000 | $ 79,000 |
| Sarasota County Florida | 2 | $ 846,000 | $ 423,000 | $ 513,000 |
| Sumter County Florida | 2 | $ 275,000 | $ 137,000 | $ 233,000 |
| Volusia County Florida | 2 | $ 330,000 | $ 165,000 | $ 79,000 |
| Carroll County Georgia | 2 | $ 299,000 | $ 149,000 | $ 241,000 |
| Colquitt County Georgia | 2 | $ 252,000 | $ 126,000 | $ 62,000 |
| Douglas County Georgia | 2 | $ 290,000 | $ 145,000 | $ 79,000 |
| Liberty County Georgia | 2 | $ 334,000 | $ 167,000 | $ 39,000 |
| Lumpkin County Georgia | 2 | $ 135,000 | $ 67,000 | $ 24,000 |
| Rockdale County Georgia | 2 | $ 458,000 | $ 229,000 | $ 82,000 |
| Towns County Georgia | 2 | $ 101,000 | $ 50,000 | $ 71,000 |
| Union County Georgia | 2 | $ 196,000 | $ 98,000 | $ 57,000 |
| Wilkes County Georgia | 2 | $ 185,000 | $ 92,000 | $ 34,000 |
| Hamilton County Indiana | 2 | $ 977,000 | $ 488,000 | $ 132,000 |
| Ramsey County Minnesota | 2 | $ 1,038,000 | $ 519,000 | $ 286,000 |
| Washington County Minnesota | 2 | $ 1,149,000 | $ 574,000 | $ 149,000 |
| Camden County Missouri | 2 | $ 741,000 | $ 370,000 | $ 290,000 |
| Anson County North Carolina | 2 | $ 291,000 | $ 145,000 | $ 44,000 |
| Hyde County North Carolina | 2 | $ 459,000 | $ 229,000 | $ 0 |
| Person County North Carolina | 2 | $ 388,000 | $ 194,000 | $ 220,000 |
| Canadian County Oklahoma | 2 | $ 348,000 | $ 174,000 | $ 92,000 |
| Clackamas County Oregon | 2 | $ 1,470,000 | $ 735,000 | $ 177,000 |
| Multnomah County Oregon | 2 | $ 544,000 | $ 272,000 | $ 309,000 |
| Bradford County Pennsylvania | 2 | $ 125,000 | $ 62,000 | $ 69,000 |
| Delaware County Pennsylvania | 2 | $ 693,000 | $ 346,000 | $ 178,000 |
| Anderson County Tennessee | 2 | $ 314,000 | $ 157,000 | $ 87,000 |
| Sullivan County Tennessee | 2 | $ 464,000 | $ 232,000 | $ 42,000 |
| Washington County Tennessee | 2 | $ 697,000 | $ 348,000 | $ 132,000 |
| Williamson County Tennessee | 2 | $ 1,768,000 | $ 884,000 | $ 152,000 |
| Dallas County Texas | 2 | $ 480,000 | $ 240,000 | $ 144,000 |
| Fort Bend County Texas | 2 | $ 731,000 | $ 365,000 | $ 168,000 |
| Amherst County Virginia | 2 | $ 116,000 | $ 58,000 | $ 79,000 |
| Charlotte County Virginia | 2 | $ 822,000 | $ 411,000 | $ 138,000 |
| Chesapeake County Virginia | 2 | $ 778,000 | $ 389,000 | $ 116,000 |
| Giles County Virginia | 2 | $ 154,000 | $ 77,000 | $ 43,000 |
| Goochland County Virginia | 2 | $ 533,000 | $ 266,000 | $ 68,000 |
| Grayson County Virginia | 2 | $ 221,000 | $ 110,000 | $ 57,000 |
| Louisa County Virginia | 2 | $ 220,000 | $ 110,000 | $ 30,000 |
| Page County Virginia | 2 | $ 510,000 | $ 255,000 | $ 44,000 |
| Prince Edward County Virginia | 2 | $ 188,000 | $ 94,000 | $ 89,000 |
| Prince George County Virginia | 2 | $ 364,000 | $ 182,000 | $ 53,000 |
| Southampton County Virginia | 2 | $ 100,000 | $ 50,000 | $ 98,000 |
| Suffolk County Virginia | 2 | $ 29,650,000 | $ 14,825,000 | $ 150,000 |
| Warren County Virginia | 2 | $ 163,000 | $ 81,000 | $ 64,000 |
| Washington County Virginia | 2 | $ 307,000 | $ 153,000 | $ 67,000 |
| Waynesboro County Virginia | 2 | $ 568,000 | $ 284,000 | $ 9,000 |
| Winchester County Virginia | 2 | $ 654,000 | $ 327,000 | $ 175,000 |
| Wythe County Virginia | 2 | $ 283,000 | $ 141,000 | $ 82,000 |
| Pierce County Washington | 2 | $ 568,000 | $ 284,000 | $ 38,000 |
| Walworth County Wisconsin | 2 | $ 573,000 | $ 286,000 | $ 174,000 |
| Waukesha County Wisconsin | 2 | $ 443,000 | $ 221,000 | $ 98,000 |
| Madison County Alabama | 1 | $ 298,000 | $ 298,000 | $ 354,000 |
| Gila County Arizona | 1 | $ 1,280,000 | $ 1,280,000 | $ 780,000 |
| Benton County Arkansas | 1 | $ 234,000 | $ 234,000 | $ 0 |
| Kern County California | 1 | $ 180,000 | $ 180,000 | $ 0 |
| San Bernardino County California | 1 | $ 191,000 | $ 191,000 | $ 0 |
| Santa Clara County California | 1 | $ 1,593,000 | $ 1,593,000 | $ 0 |
| Adams County Colorado | 1 | $ 730,000 | $ 730,000 | $ 0 |
| Arapahoe County Colorado | 1 | $ 340,000 | $ 340,000 | $ 85,000 |
| Chaffee County Colorado | 1 | $ 563,000 | $ 563,000 | $ 282,000 |
| Elbert County Colorado | 1 | $ 1,257,000 | $ 1,257,000 | $ 0 |
| La Plata County Colorado | 1 | $ 665,000 | $ 665,000 | $ 343,000 |
| Mesa County Colorado | 1 | $ 375,000 | $ 375,000 | $ 292,000 |
| Park County Colorado | 1 | $ 350,000 | $ 350,000 | $ 254,000 |
| Rio Grande County Colorado | 1 | $ 155,000 | $ 155,000 | $ 86,000 |
| Fairfield County Connecticut | 1 | $ 793,000 | $ 793,000 | $ 210,000 |
| Bay County Florida | 1 | $ 661,000 | $ 661,000 | $ 236,000 |
| Citrus County Florida | 1 | $ 205,000 | $ 205,000 | $ 470,000 |
| Gulf County Florida | 1 | $ 648,000 | $ 648,000 | $ 412,000 |
| Lake County Florida | 1 | $ 280,000 | $ 280,000 | $ 450,000 |
| Okaloosa County Florida | 1 | $ 423,000 | $ 423,000 | $ 275,000 |
| Bartow County Georgia | 1 | $ 97,000 | $ 97,000 | $ 134,000 |
| Bibb County Georgia | 1 | $ 365,000 | $ 365,000 | $ 305,000 |
| Camden County Georgia | 1 | $ 142,000 | $ 142,000 | $ 137,000 |
| Greene County Georgia | 1 | $ 217,000 | $ 217,000 | $ 379,000 |
| Jefferson County Georgia | 1 | $ 778,000 | $ 778,000 | $ 0 |
| Lee County Georgia | 1 | $ 187,000 | $ 187,000 | $ 105,000 |
| Lowndes County Georgia | 1 | $ 89,000 | $ 89,000 | $ 31,000 |
| Morgan County Georgia | 1 | $ 300,000 | $ 300,000 | $ 127,000 |
| Newton County Georgia | 1 | $ 170,000 | $ 170,000 | $ 434,000 |
| Oconee County Georgia | 1 | $ 344,000 | $ 344,000 | $ 225,000 |
| Paulding County Georgia | 1 | $ 137,000 | $ 137,000 | $ 29,000 |
| Polk County Georgia | 1 | $ 285,000 | $ 285,000 | $ 102,000 |
| Tift County Georgia | 1 | $ 128,000 | $ 128,000 | $ 136,000 |
| Walker County Georgia | 1 | $ 80,000 | $ 80,000 | $ 60,000 |
| Warren County Georgia | 1 | $ 86,000 | $ 86,000 | $ 67,000 |
| Wilcox County Georgia | 1 | $ 550,000 | $ 550,000 | $ 316,000 |
| Lake County Illinois | 1 | $ 629,000 | $ 629,000 | $ 236,000 |
| Dallas County Iowa | 1 | $ 246,000 | $ 246,000 | $ 319,000 |
| Johnson County Kansas | 1 | $ 205,000 | $ 205,000 | $ 52,000 |
| Baltimore County Maryland | 1 | $ 23,000 | $ 23,000 | $ 89,000 |
| Cecil County Maryland | 1 | $ 250,000 | $ 250,000 | $ 65,000 |
| Dorchester County Maryland | 1 | $ 715,000 | $ 715,000 | $ 228,000 |
| Howard County Maryland | 1 | $ 188,000 | $ 188,000 | $ 78,000 |
| Bristol County Massachusetts | 1 | $ 557,000 | $ 557,000 | $ 310,000 |
| Suffolk County Massachusetts | 1 | $ 335,000 | $ 335,000 | $ 120,000 |
| Anoka County Minnesota | 1 | $ 513,000 | $ 513,000 | $ 336,000 |
| Chisago County Minnesota | 1 | $ 180,000 | $ 180,000 | $ 50,000 |
| Dakota County Minnesota | 1 | $ 505,000 | $ 505,000 | $ 149,000 |
| Sherburne County Minnesota | 1 | $ 138,000 | $ 138,000 | $ 56,000 |
| Wright County Minnesota | 1 | $ 472,000 | $ 472,000 | $ 137,000 |
| Bolivar County Mississippi | 1 | $ 120,000 | $ 120,000 | $ 55,000 |
| St. Charles County Missouri | 1 | $ 100,000 | $ 100,000 | $ 60,000 |
| St. Louis City County Missouri | 1 | $ 90,000 | $ 90,000 | $ 29,000 |
| New York County New York | 1 | $ 1,896,000 | $ 1,896,000 | $ 1,034,000 |
| Camden County North Carolina | 1 | $ 242,000 | $ 242,000 | $ 60,000 |
| Chowan County North Carolina | 1 | $ 346,000 | $ 346,000 | $ 123,000 |
| Richmond County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 103,000 |
| Union County Ohio | 1 | $ 502,000 | $ 502,000 | $ 258,000 |
| Tulsa County Oklahoma | 1 | $ 615,000 | $ 615,000 | $ 347,000 |
| Lane County Oregon | 1 | $ 499,000 | $ 499,000 | $ 325,000 |
| Washington County Oregon | 1 | $ 110,000 | $ 110,000 | $ 40,000 |
| Clinton County Pennsylvania | 1 | $ 213,000 | $ 213,000 | $ 48,000 |
| Allendale County South Carolina | 1 | $ 68,000 | $ 68,000 | $ 37,000 |
| Hampton County South Carolina | 1 | $ 56,000 | $ 56,000 | $ 109,000 |
| Blount County Tennessee | 1 | $ 763,000 | $ 763,000 | $ 311,000 |
| Bradley County Tennessee | 1 | $ 686,000 | $ 686,000 | $ 350,000 |
| Dickson County Tennessee | 1 | $ 231,000 | $ 231,000 | $ 164,000 |
| Dyer County Tennessee | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Lincoln County Tennessee | 1 | $ 34,000 | $ 34,000 | $ 48,000 |
| Loudon County Tennessee | 1 | $ 515,000 | $ 515,000 | $ 287,000 |
| Putnam County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 76,000 |
| Roane County Tennessee | 1 | $ 424,000 | $ 424,000 | $ 865,000 |
| Wilson County Tennessee | 1 | $ 261,000 | $ 261,000 | $ 108,000 |
| Bell County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Collin County Texas | 1 | $ 580,000 | $ 580,000 | $ 175,000 |
| Coryell County Texas | 1 | $ 69,000 | $ 69,000 | $ 143,000 |
| Denton County Texas | 1 | $ 308,000 | $ 308,000 | $ 170,000 |
| Hays County Texas | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Kaufman County Texas | 1 | $ 211,000 | $ 211,000 | $ 72,000 |
| Kendall County Texas | 1 | $ 456,000 | $ 456,000 | $ 135,000 |
| Uvalde County Texas | 1 | $ 34,000 | $ 34,000 | $ 42,000 |
| Arlington County Virginia | 1 | $ 437,000 | $ 437,000 | $ 250,000 |
| Bath County Virginia | 1 | $ 129,000 | $ 129,000 | $ 51,000 |
| Covington County Virginia | 1 | $ 20,000 | $ 20,000 | $ 53,000 |
| Cumberland County Virginia | 1 | $ 1,248,000 | $ 1,248,000 | $ 346,000 |
| Fairfax City County Virginia | 1 | $ 592,000 | $ 592,000 | $ 403,000 |
| Fredericksburg County Virginia | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Greene County Virginia | 1 | $ 42,000 | $ 42,000 | $ 181,000 |
| Isle of Wight County Virginia | 1 | $ 126,000 | $ 126,000 | $ 148,000 |
| Middlesex County Virginia | 1 | $ 546,000 | $ 546,000 | $ 851,000 |
| Nelson County Virginia | 1 | $ 244,000 | $ 244,000 | $ 207,000 |
| Norfolk County Virginia | 1 | $ 380,000 | $ 380,000 | $ 258,000 |
| Northumberland County Virginia | 1 | $ 125,000 | $ 125,000 | $ 54,000 |
| Patrick County Virginia | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| Powhatan County Virginia | 1 | $ 414,000 | $ 414,000 | $ 169,000 |
| Prince William County Virginia | 1 | $ 381,000 | $ 381,000 | $ 101,000 |
| Radford County Virginia | 1 | $ 264,000 | $ 264,000 | $ 243,000 |
| Shenandoah County Virginia | 1 | $ 91,000 | $ 91,000 | $ 107,000 |
| Smyth County Virginia | 1 | $ 184,000 | $ 184,000 | $ 57,000 |
| Tazewell County Virginia | 1 | $ 225,000 | $ 225,000 | $ 71,000 |
| Virginia Beach County Virginia | 1 | $ 1,150,000 | $ 1,150,000 | $ 0 |
| Westmoreland County Virginia | 1 | $ 132,000 | $ 132,000 | $ 42,000 |
| Snohomish County Washington | 1 | $ 538,000 | $ 538,000 | $ 262,000 |
| Spokane County Washington | 1 | $ 127,000 | $ 127,000 | $ 32,000 |
| Thurston County Washington | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Lewis County West Virginia | 1 | $ 72,000 | $ 72,000 | $ 135,000 |
| Monroe County West Virginia | 1 | $ 300,000 | $ 300,000 | $ 58,000 |
| Preston County West Virginia | 1 | $ 37,000 | $ 37,000 | $ 678,000 |
| Summers County West Virginia | 1 | $ 223,000 | $ 223,000 | $ 92,000 |
| Dane County Wisconsin | 1 | $ 605,000 | $ 605,000 | $ 265,000 |
| Milwaukee County Wisconsin | 1 | $ 475,000 | $ 475,000 | $ 600,000 |
| Outagamie County Wisconsin | 1 | $ 326,000 | $ 326,000 | $ 97,000 |
| Ozaukee County Wisconsin | 1 | $ 392,000 | $ 392,000 | $ 265,000 |
| Racine County Wisconsin | 1 | $ 148,000 | $ 148,000 | $ 25,000 |
The mortgage data stats below are displayed in sortable categories such as loan purpose, race of mortgage applicant, loan type, the outcome of the application, and reason for denial.
Each category breaks down the total number of mortgage applications, the total dollar amount for those applications, the average mortgage amount, the highest mortgage loan applied for within that category,
the average income of the mortgage applicants, and the highest income of the mortgage applicants.
You can also download the entire list of mortgage lenders along with their aggregated lending data for the state of North Carolina,
and search the same numbers and information back through 2003.
Mortgage Loan Application Detail Totals for First-Citizens Bank & Trust Company in 2017
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 | 7,038 | $1,668,567,000 | $237,000 | $29,000,000 | $123,000 | $4,688,000 |
| Refinancing | 3,820 | $755,643,000 | $197,000 | $2,600,000 | $123,000 | $5,335,000 |
| Home Improvement | 666 | $106,186,000 | $159,000 | $2,496,000 | $109,000 | $1,984,000 |
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 | 8,319 | $1,836,493,000 | $220,000 | $2,709,000 | $131,000 | $5,335,000 |
| Black or African American | 1,170 | $168,836,000 | $144,000 | $1,313,000 | $71,000 | $1,334,000 |
| Not Provided | 732 | $187,965,000 | $256,000 | $2,422,000 | $192,000 | $2,488,000 |
| Hispanic | 434 | $73,540,000 | $169,000 | $1,265,000 | $80,000 | $850,000 |
| Not applicable | 383 | $146,265,000 | $381,000 | $29,000,000 | $0 | $0 |
| Asian | 374 | $99,377,000 | $265,000 | $2,065,000 | $135,000 | $1,199,000 |
| American Indian or Alaskan Native | 86 | $12,936,000 | $150,000 | $680,000 | $78,000 | $383,000 |
| Native Hawaiian or Other Pacific Islander | 26 | $4,984,000 | $191,000 | $487,000 | $117,000 | $352,000 |
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) | 10,360 | $2,354,916,000 | $227,000 | $29,000,000 | $129,000 | $5,335,000 |
| FHA-insured (Federal Housing Administration) | 750 | $105,321,000 | $140,000 | $419,000 | $55,000 | $424,000 |
| VA-guaranteed (Veterans Administration) | 230 | $46,312,000 | $201,000 | $500,000 | $80,000 | $335,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 184 | $23,847,000 | $129,000 | $295,000 | $43,000 | $132,000 |
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 | 7,254 | $1,694,227,000 | $233,000 | $29,000,000 | $134,000 | $4,688,000 |
| Application Denied By Financial Institution | 2,233 | $402,474,000 | $180,000 | $2,600,000 | $83,000 | $5,335,000 |
| File Closed For Incompleteness | 1,219 | $247,916,000 | $203,000 | $1,300,000 | $115,000 | $2,611,000 |
| Application Withdrawn By Applicant | 496 | $118,567,000 | $239,000 | $2,555,000 | $139,000 | $4,101,000 |
| Application Approved But Not Accepted | 290 | $53,012,000 | $182,000 | $2,600,000 | $113,000 | $1,546,000 |
| Loan Purchased By The Institution | 32 | $14,200,000 | $443,000 | $793,000 | $215,000 | $600,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 877 | $178,944,000 | $204,000 | $2,065,000 | $61,000 | $926,000 |
| Credit History | 809 | $99,076,000 | $122,000 | $1,469,000 | $82,000 | $5,335,000 |
| Collateral | 305 | $71,089,000 | $233,000 | $2,600,000 | $123,000 | $1,809,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 102 | $20,734,000 | $203,000 | $831,000 | $117,000 | $1,440,000 |
| Other | 94 | $21,439,000 | $228,000 | $1,500,000 | $117,000 | $791,000 |
| Unverifiable Information | 31 | $5,654,000 | $182,000 | $1,000,000 | $107,000 | $608,000 |
| Employment History | 7 | $2,131,000 | $304,000 | $741,000 | $214,000 | $593,000 |
| Mortgage Insurance Denied | 1 | $65,000 | $65,000 | $65,000 | $211,000 | $211,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
These totals and details for mortgage applications will give you a better idea of what to expect when researching mortgage lenders. Whether you are looking for a home loan, for home refinancing, or for home improvement loan statistics, we have the information you need. This mortgage loan data gives you everything you need to know as you start your search for the best lenders in NC, and gives you an idea of what the best mortgage lenders really are.
If you prefer, you can download a copy of the entire list of mortgage lenders in North Carolina, and search similar information at your convenience.