First-Citizens Bank & Trust Co
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
First-Citizens Bank & Trust Co 2010 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First-Citizens Bank & Trust Co 16 E Rowan Street Raleigh, NC 27609 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,814 |
| Total Mortgage Loan Application Amount | $1,477,329,000 |
| Average Mortgage Loan Application Amount | $223,666 |
| Highest Mortgage Loan Application Amount | $38,157,000 |
| Average Applicant Income | $111,666 |
| Highest Applicant Income | $3,605,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 with First-Citizens Bank & Trust Co. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First-Citizens Bank & Trust Co's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2010 breaks down First-Citizens Bank & Trust Co's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First-Citizens Bank & Trust Co serves its applicants.
Each category highlights the total number of mortgage applications processed by First-Citizens Bank & Trust Co, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First-Citizens Bank & Trust Co's mortgage activity for 2010.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| RALEIGH-CARY, NC | 672 | $ 149,695,000 | $ 222,000 | $ 140,000 |
| ASHEVILLE, NC | 506 | $ 111,182,000 | $ 219,000 | $ 112,000 |
| CHARLOTTE-GASTONIA-ROCK HILL, NC-SC | 406 | $ 62,903,000 | $ 143,000 | $ 122,000 |
| WILMINGTON, NC | 348 | $ 82,826,000 | $ 238,000 | $ 171,000 |
| HICKORY-LENOIR-MORGANTON, NC | 318 | $ 46,433,000 | $ 146,000 | $ 92,000 |
| GREENSBORO-HIGH POINT, NC | 218 | $ 35,554,000 | $ 163,000 | $ 125,000 |
| DURHAM-CHAPEL HILL, NC | 202 | $ 57,066,000 | $ 282,000 | $ 205,000 |
| WINSTON-SALEM, NC | 191 | $ 35,916,000 | $ 188,000 | $ 151,000 |
| ROANOKE, VA | 174 | $ 31,063,000 | $ 178,000 | $ 100,000 |
| JACKSONVILLE, NC | 108 | $ 17,121,000 | $ 158,000 | $ 108,000 |
| FAYETTEVILLE, NC | 107 | $ 15,151,000 | $ 141,000 | $ 138,000 |
| GREENVILLE, NC | 103 | $ 20,400,000 | $ 198,000 | $ 152,000 |
| DANVILLE, VA | 97 | $ 12,213,000 | $ 125,000 | $ 64,000 |
| LYNCHBURG, VA | 71 | $ 11,676,000 | $ 164,000 | $ 105,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 58 | $ 21,295,000 | $ 367,000 | $ 0 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 58 | $ 11,231,000 | $ 227,666 | $ 240,000 |
| CHARLOTTESVILLE, VA | 53 | $ 13,751,000 | $ 259,000 | $ 189,000 |
| BLACKSBURG-CHRISTIANSBURG-RADFORD, VA | 50 | $ 8,063,000 | $ 161,000 | $ 108,000 |
| HARRISONBURG, VA | 39 | $ 7,620,000 | $ 195,000 | $ 109,000 |
| GOLDSBORO, NC | 37 | $ 3,760,000 | $ 101,000 | $ 103,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 36 | $ 161,744,000 | $ 4,492,000 | $ 12,000 |
| KNOXVILLE, TN | 33 | $ 7,395,000 | $ 224,000 | $ 159,000 |
| RICHMOND, VA | 33 | $ 8,531,000 | $ 258,000 | $ 160,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 27 | $ 18,640,000 | $ 690,000 | $ 9,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 23 | $ 3,289,000 | $ 143,000 | $ 143,000 |
| GREENVILLE-MAULDIN-EASLEY, SC | 18 | $ 7,205,000 | $ 400,000 | $ 281,000 |
| MYRTLE BEACH-NORTH MYRTLE BEACH-CONWAY, SC | 18 | $ 4,358,000 | $ 242,000 | $ 178,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 17 | $ 13,364,000 | $ 786,000 | $ 0 |
| WINCHESTER, VA-WV | 14 | $ 3,435,000 | $ 245,000 | $ 125,000 |
| CHATTANOOGA, TN-GA | 13 | $ 3,201,000 | $ 203,000 | $ 129,500 |
| CHARLESTON-NORTH CHARLESTON-SUMMERVILLE, SC | 12 | $ 4,362,000 | $ 363,000 | $ 238,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 10 | $ 12,232,000 | $ 1,223,000 | $ 226,000 |
| BALTIMORE-TOWSON, MD | 9 | $ 2,180,000 | $ 242,000 | $ 87,000 |
| ROCKY MOUNT, NC | 9 | $ 819,000 | $ 91,000 | $ 100,000 |
| PHOENIX-MESA-GLENDALE, AZ | 7 | $ 14,098,000 | $ 2,014,000 | $ 141,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 7 | $ 1,555,000 | $ 293,000 | $ 196,000 |
| BURLINGTON, NC | 6 | $ 998,000 | $ 166,000 | $ 112,000 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 6 | $ 1,700,000 | $ 310,500 | $ 147,000 |
| PUNTA GORDA, FL | 6 | $ 5,179,000 | $ 863,000 | $ 44,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 6 | $ 637,000 | $ 106,000 | $ 22,000 |
| CHICAGO-JOLIET-NAPERVILLE, IL | 5 | $ 2,953,000 | $ 590,000 | $ 0 |
| COLUMBIA, SC | 5 | $ 863,000 | $ 172,000 | $ 196,000 |
| JACKSONVILLE, FL | 5 | $ 763,000 | $ 152,000 | $ 48,000 |
| LAS VEGAS-PARADISE, NV | 5 | $ 48,124,000 | $ 9,624,000 | $ 0 |
| OLYMPIA, WA | 5 | $ 701,000 | $ 140,000 | $ 82,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 5 | $ 2,231,000 | $ 446,000 | $ 111,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 5 | $ 4,894,000 | $ 978,000 | $ 125,000 |
| JOHNSON CITY, TN | 4 | $ 736,000 | $ 184,000 | $ 157,000 |
| AUSTIN-ROUND ROCK-SAN MARCOS, TX | 3 | $ 649,000 | $ 216,000 | $ 158,000 |
| DALLAS-PLANO-IRVING, TX | 3 | $ 6,690,000 | $ 2,230,000 | $ 88,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 3 | $ 2,909,000 | $ 969,000 | $ 82,000 |
| TACOMA, WA | 3 | $ 861,000 | $ 287,000 | $ 171,000 |
| CANTON-MASSILLON, OH | 2 | $ 2,020,000 | $ 1,010,000 | $ 0 |
| CAPE CORAL-FORT MYERS, FL | 2 | $ 304,000 | $ 152,000 | $ 105,000 |
| CHARLESTON, WV | 2 | $ 254,000 | $ 127,000 | $ 88,000 |
| COLORADO SPRINGS, CO | 2 | $ 7,290,000 | $ 3,645,000 | $ 0 |
| FORT WORTH-ARLINGTON, TX | 2 | $ 212,000 | $ 106,000 | $ 36,000 |
| HOUSTON-SUGAR LAND-BAYTOWN, TX | 2 | $ 6,120,000 | $ 3,060,000 | $ 0 |
| MEMPHIS, TN-MS-AR | 2 | $ 4,346,000 | $ 2,173,000 | $ 0 |
| MORRISTOWN, TN | 2 | $ 253,000 | $ 126,000 | $ 259,000 |
| NAPLES-MARCO ISLAND, FL | 2 | $ 235,000 | $ 117,000 | $ 52,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 2 | $ 14,027,000 | $ 7,013,000 | $ 93,000 |
| PORT ST. LUCIE, FL | 2 | $ 380,000 | $ 190,000 | $ 0 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 2 | $ 499,000 | $ 249,000 | $ 308,000 |
| SEBASTIAN-VERO BEACH, FL | 2 | $ 501,000 | $ 250,000 | $ 26,000 |
| SPARTANBURG, SC | 2 | $ 276,000 | $ 138,000 | $ 50,000 |
| BAKERSFIELD-DELANO, CA | 1 | $ 2,200,000 | $ 2,200,000 | $ 0 |
| BOULDER, CO | 1 | $ 414,000 | $ 414,000 | $ 781,000 |
| BREMERTON-SILVERDALE, WA | 1 | $ 4,122,000 | $ 4,122,000 | $ 0 |
| DALTON, GA | 1 | $ 180,000 | $ 180,000 | $ 36,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 1 | $ 56,000 | $ 56,000 | $ 91,000 |
| DENVER-AURORA-BROOMFIELD, CO | 1 | $ 168,000 | $ 168,000 | $ 94,000 |
| HONOLULU, HI | 1 | $ 2,442,000 | $ 2,442,000 | $ 0 |
| JACKSON, MS | 1 | $ 598,000 | $ 598,000 | $ 0 |
| KILLEEN-TEMPLE-FORT HOOD, TX | 1 | $ 3,570,000 | $ 3,570,000 | $ 0 |
| MACON, GA | 1 | $ 733,000 | $ 733,000 | $ 0 |
| MEDFORD, OR | 1 | $ 385,000 | $ 385,000 | $ 840,000 |
| NEW YORK-WHITE PLAINS-WAYNE, NY-NJ | 1 | $ 2,082,000 | $ 2,082,000 | $ 0 |
| NORTH PORT-BRADENTON-SARASOTA, FL | 1 | $ 63,000 | $ 63,000 | $ 136,000 |
| PHILADELPHIA, PA | 1 | $ 60,000 | $ 60,000 | $ 71,000 |
| PITTSBURGH, PA | 1 | $ 863,000 | $ 863,000 | $ 0 |
| ROME, GA | 1 | $ 684,000 | $ 684,000 | $ 210,000 |
| SALISBURY, MD | 1 | $ 143,000 | $ 143,000 | $ 26,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 1 | $ 5,928,000 | $ 5,928,000 | $ 0 |
| SANTA ROSA-PETALUMA, CA | 1 | $ 4,000,000 | $ 4,000,000 | $ 0 |
| SAVANNAH, GA | 1 | $ 184,000 | $ 184,000 | $ 300,000 |
Mortgage Loan Application Detail Totals for First-Citizens Bank & Trust Co in 2010
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 | 3,651 | $764,260,000 | $209,000 | $13,772,000 | $133,000 | $2,800,000 |
| Home Purchase | 1,888 | $685,814,000 | $363,000 | $38,157,000 | $117,000 | $3,605,000 |
| Home Improvement | 275 | $27,255,000 | $99,000 | $710,000 | $85,000 | $455,000 |
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 | 4,469 | $882,439,000 | $197,000 | $2,300,000 | $132,000 | $3,605,000 |
| Not Provided | 524 | $91,730,000 | $175,000 | $1,375,000 | $165,000 | $1,749,000 |
| Not applicable | 342 | $421,075,000 | $1,231,000 | $38,157,000 | $3,000 | $181,000 |
| Black or African American | 235 | $30,586,000 | $130,000 | $785,000 | $90,000 | $645,000 |
| Asian | 109 | $26,814,000 | $246,000 | $1,639,000 | $160,000 | $2,053,000 |
| Hispanic | 69 | $11,557,000 | $167,000 | $464,000 | $93,000 | $430,000 |
| Native Hawaiian or Other Pacific Islander | 41 | $10,509,000 | $256,000 | $980,000 | $140,000 | $432,000 |
| American Indian or Alaskan Native | 25 | $2,619,000 | $104,000 | $214,000 | $78,000 | $230,000 |
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) | 5,391 | $1,414,945,000 | $262,000 | $38,157,000 | $131,000 | $3,605,000 |
| FHA-insured (Federal Housing Administration) | 340 | $50,937,000 | $149,000 | $666,000 | $64,000 | $521,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 47 | $5,915,000 | $125,000 | $306,000 | $42,000 | $130,000 |
| VA-guaranteed (Veterans Administration) | 36 | $5,532,000 | $153,000 | $296,000 | $70,000 | $211,000 |
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 | 3,613 | $704,062,000 | $194,000 | $1,908,000 | $140,000 | $3,605,000 |
| Application Denied By Financial Institution | 985 | $173,059,000 | $175,000 | $2,300,000 | $91,000 | $2,053,000 |
| Application Withdrawn By Applicant | 621 | $130,219,000 | $209,000 | $1,375,000 | $138,000 | $1,623,000 |
| Loan Purchased By The Institution | 220 | $401,954,000 | $1,827,000 | $38,157,000 | $5,000 | $181,000 |
| Application Approved But Not Accepted | 193 | $30,523,000 | $158,000 | $956,000 | $136,000 | $852,000 |
| File Closed For Incompleteness | 157 | $32,887,000 | $209,000 | $1,770,000 | $119,000 | $1,350,000 |
| Preapproval Denied by Financial Institution | 25 | $4,625,000 | $185,000 | $900,000 | $63,000 | $298,000 |
| 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 Co's 2010 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First-Citizens Bank & Trust Co's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.