First-Citizens Bank & Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
First-Citizens Bank & Trust Company 2014 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 | 5,410 |
| Total Mortgage Loan Application Amount | $977,524,000 |
| Average Mortgage Loan Application Amount | $154,333 |
| Highest Mortgage Loan Application Amount | $5,500,000 |
| Average Applicant Income | $113,666 |
| Highest Applicant Income | $2,732,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 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 2014 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 2014.
| 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 | 645 | $ 141,242,000 | $ 218,000 | $ 135,000 |
| Mecklenburg County North Carolina | 386 | $ 61,393,000 | $ 159,000 | $ 122,000 |
| Guilford County North Carolina | 191 | $ 35,043,000 | $ 183,000 | $ 112,000 |
| Forsyth County North Carolina | 176 | $ 26,400,000 | $ 150,000 | $ 80,000 |
| Durham County North Carolina | 141 | $ 34,928,000 | $ 247,000 | $ 169,000 |
| New Hanover County North Carolina | 139 | $ 35,887,000 | $ 258,000 | $ 167,000 |
| Buncombe County North Carolina | 137 | $ 40,728,000 | $ 297,000 | $ 161,000 |
| Cumberland County North Carolina | 128 | $ 18,817,000 | $ 147,000 | $ 137,000 |
| Henderson County North Carolina | 123 | $ 25,550,000 | $ 207,000 | $ 93,000 |
| Craven County North Carolina | 118 | $ 22,160,000 | $ 187,000 | $ 100,000 |
| Union County North Carolina | 112 | $ 18,870,000 | $ 168,000 | $ 122,000 |
| Carteret County North Carolina | 104 | $ 20,945,000 | $ 201,000 | $ 147,000 |
| Brunswick County North Carolina | 82 | $ 20,289,000 | $ 247,000 | $ 172,000 |
| Johnston County North Carolina | 74 | $ 9,565,000 | $ 129,000 | $ 74,000 |
| Pittsylvania County Virginia | 74 | $ 8,751,000 | $ 118,000 | $ 51,000 |
| Pitt County North Carolina | 71 | $ 13,245,000 | $ 186,000 | $ 72,000 |
| Moore County North Carolina | 58 | $ 19,312,000 | $ 332,000 | $ 216,000 |
| Onslow County North Carolina | 58 | $ 7,521,000 | $ 129,000 | $ 94,000 |
| Caldwell County North Carolina | 56 | $ 6,684,000 | $ 119,000 | $ 57,000 |
| Orange County North Carolina | 56 | $ 22,092,000 | $ 394,000 | $ 236,000 |
| Danville County Virginia | 54 | $ 6,649,000 | $ 123,000 | $ 55,000 |
| Loudoun County Virginia | 52 | $ 5,170,000 | $ 99,000 | $ 142,000 |
| Roanoke County Virginia | 52 | $ 9,325,000 | $ 179,000 | $ 126,000 |
| Catawba County North Carolina | 49 | $ 8,265,000 | $ 168,000 | $ 89,000 |
| Pender County North Carolina | 42 | $ 8,496,000 | $ 202,000 | $ 123,000 |
| Fairfax County Virginia | 41 | $ 4,108,000 | $ 100,000 | $ 145,000 |
| Franklin County North Carolina | 40 | $ 5,353,000 | $ 133,000 | $ 76,000 |
| Cabarrus County North Carolina | 38 | $ 6,165,000 | $ 162,000 | $ 91,000 |
| Harnett County North Carolina | 38 | $ 5,521,000 | $ 145,000 | $ 77,000 |
| Wayne County North Carolina | 38 | $ 5,363,000 | $ 141,000 | $ 96,000 |
| Wilson County North Carolina | 36 | $ 4,750,000 | $ 131,000 | $ 129,000 |
| Burke County North Carolina | 34 | $ 3,595,000 | $ 105,000 | $ 76,000 |
| Chatham County North Carolina | 34 | $ 7,548,000 | $ 222,000 | $ 183,000 |
| Watauga County North Carolina | 34 | $ 10,930,000 | $ 321,000 | $ 171,000 |
| Iredell County North Carolina | 33 | $ 5,026,000 | $ 152,000 | $ 110,000 |
| Stanly County North Carolina | 32 | $ 4,856,000 | $ 151,000 | $ 61,000 |
| Fulton County Georgia | 31 | $ 6,794,000 | $ 219,000 | $ 210,000 |
| Rockingham County North Carolina | 30 | $ 3,280,000 | $ 109,000 | $ 76,000 |
| Roanoke City County Virginia | 30 | $ 4,743,000 | $ 158,000 | $ 70,000 |
| Lenoir County North Carolina | 28 | $ 3,893,000 | $ 139,000 | $ 143,000 |
| Maricopa County Arizona | 27 | $ 3,807,000 | $ 141,000 | $ 92,000 |
| Albemarle County Virginia | 27 | $ 3,579,000 | $ 132,000 | $ 153,000 |
| Bladen County North Carolina | 26 | $ 2,380,000 | $ 91,000 | $ 119,000 |
| Sampson County North Carolina | 26 | $ 2,250,000 | $ 86,000 | $ 89,000 |
| Jackson County North Carolina | 25 | $ 3,574,000 | $ 142,000 | $ 70,000 |
| Swain County North Carolina | 25 | $ 2,780,000 | $ 111,000 | $ 77,000 |
| District of Columbia County District Of Columbia | 24 | $ 2,916,000 | $ 121,000 | $ 140,000 |
| Davidson County North Carolina | 24 | $ 4,565,000 | $ 190,000 | $ 110,000 |
| Bedford County Virginia | 24 | $ 5,082,000 | $ 211,000 | $ 115,000 |
| Randolph County North Carolina | 22 | $ 2,326,000 | $ 105,000 | $ 41,000 |
| Stokes County North Carolina | 22 | $ 1,998,000 | $ 90,000 | $ 52,000 |
| Shelby County Tennessee | 22 | $ 1,147,000 | $ 52,000 | $ 130,000 |
| Greenbrier County West Virginia | 21 | $ 2,575,000 | $ 122,000 | $ 98,000 |
| McDowell County North Carolina | 20 | $ 2,656,000 | $ 132,000 | $ 59,000 |
| York County South Carolina | 20 | $ 3,600,000 | $ 180,000 | $ 154,000 |
| Lynchburg County Virginia | 20 | $ 4,038,000 | $ 201,000 | $ 99,000 |
| San Diego County California | 19 | $ 3,092,000 | $ 162,000 | $ 52,000 |
| Haywood County North Carolina | 19 | $ 3,501,000 | $ 184,000 | $ 84,000 |
| Wilkes County North Carolina | 19 | $ 3,338,000 | $ 175,000 | $ 85,000 |
| King County Washington | 19 | $ 2,829,000 | $ 148,000 | $ 47,000 |
| Alamance County North Carolina | 18 | $ 4,338,000 | $ 241,000 | $ 133,000 |
| Beaufort County North Carolina | 18 | $ 2,503,000 | $ 139,000 | $ 76,000 |
| Pamlico County North Carolina | 18 | $ 3,794,000 | $ 210,000 | $ 100,000 |
| Surry County North Carolina | 18 | $ 1,826,000 | $ 101,000 | $ 64,000 |
| Yadkin County North Carolina | 18 | $ 1,822,000 | $ 101,000 | $ 90,000 |
| Pocahontas County West Virginia | 18 | $ 1,438,000 | $ 79,000 | $ 93,000 |
| Lee County Florida | 17 | $ 2,334,000 | $ 137,000 | $ 60,000 |
| Ashe County North Carolina | 17 | $ 2,214,000 | $ 130,000 | $ 83,000 |
| Transylvania County North Carolina | 17 | $ 3,178,000 | $ 186,000 | $ 132,000 |
| Brunswick County Virginia | 17 | $ 1,509,000 | $ 88,000 | $ 72,000 |
| Rockingham County Virginia | 17 | $ 2,937,000 | $ 172,000 | $ 133,000 |
| Riverside County California | 16 | $ 1,993,000 | $ 124,000 | $ 37,000 |
| Greene County North Carolina | 16 | $ 1,699,000 | $ 106,000 | $ 88,000 |
| Lincoln County North Carolina | 16 | $ 1,674,000 | $ 104,000 | $ 81,000 |
| Davidson County Tennessee | 16 | $ 2,474,000 | $ 154,000 | $ 54,000 |
| Dallas County Texas | 16 | $ 1,822,000 | $ 113,000 | $ 51,000 |
| Gwinnett County Georgia | 15 | $ 2,472,000 | $ 164,000 | $ 103,000 |
| Nash County North Carolina | 15 | $ 1,796,000 | $ 119,000 | $ 57,000 |
| Pasquotank County North Carolina | 15 | $ 1,988,000 | $ 132,000 | $ 99,000 |
| Rutherford County North Carolina | 15 | $ 1,944,000 | $ 129,000 | $ 112,000 |
| Montgomery County Virginia | 15 | $ 1,445,000 | $ 96,000 | $ 91,000 |
| Los Angeles County California | 14 | $ 2,511,000 | $ 179,000 | $ 42,000 |
| Multnomah County Oregon | 14 | $ 1,856,000 | $ 132,000 | $ 96,000 |
| Oklahoma County Oklahoma | 13 | $ 1,878,000 | $ 144,000 | $ 173,000 |
| Botetourt County Virginia | 13 | $ 2,214,000 | $ 170,000 | $ 123,000 |
| Palm Beach County Florida | 12 | $ 1,767,000 | $ 147,000 | $ 66,000 |
| DeKalb County Georgia | 12 | $ 1,743,000 | $ 145,000 | $ 136,000 |
| Anne Arundel County Maryland | 12 | $ 2,710,000 | $ 225,000 | $ 153,000 |
| Duplin County North Carolina | 12 | $ 1,503,000 | $ 125,000 | $ 94,000 |
| Halifax County North Carolina | 12 | $ 908,000 | $ 75,000 | $ 43,000 |
| Alleghany County Virginia | 12 | $ 1,116,000 | $ 93,000 | $ 63,000 |
| Greensville County Virginia | 12 | $ 1,056,000 | $ 88,000 | $ 44,000 |
| Cobb County Georgia | 11 | $ 1,798,000 | $ 163,000 | $ 139,000 |
| Jackson County Missouri | 11 | $ 1,485,000 | $ 135,000 | $ 29,000 |
| Gaston County North Carolina | 11 | $ 1,563,000 | $ 142,000 | $ 156,000 |
| Lee County North Carolina | 11 | $ 1,794,000 | $ 163,000 | $ 83,000 |
| Charlottesville County Virginia | 11 | $ 1,116,000 | $ 101,000 | $ 148,000 |
| Prince William County Virginia | 11 | $ 1,107,000 | $ 100,000 | $ 192,000 |
| Dare County North Carolina | 10 | $ 3,938,000 | $ 393,000 | $ 486,000 |
| Davie County North Carolina | 10 | $ 1,557,000 | $ 155,000 | $ 76,000 |
| Macon County North Carolina | 10 | $ 2,530,000 | $ 253,000 | $ 172,000 |
| Travis County Texas | 10 | $ 2,143,000 | $ 214,000 | $ 91,000 |
| Augusta County Virginia | 10 | $ 1,345,000 | $ 134,000 | $ 78,000 |
| Franklin County Virginia | 10 | $ 2,109,000 | $ 210,000 | $ 315,000 |
| Mecklenburg County Virginia | 10 | $ 1,196,000 | $ 119,000 | $ 62,000 |
| Nelson County Virginia | 10 | $ 3,017,000 | $ 301,000 | $ 107,000 |
| Salem County Virginia | 10 | $ 1,893,000 | $ 189,000 | $ 151,000 |
| Cherokee County North Carolina | 9 | $ 1,317,000 | $ 146,000 | $ 86,000 |
| Graham County North Carolina | 9 | $ 1,295,000 | $ 143,000 | $ 77,000 |
| Madison County North Carolina | 9 | $ 987,000 | $ 109,000 | $ 72,000 |
| Yancey County North Carolina | 9 | $ 1,056,000 | $ 117,000 | $ 123,000 |
| Charleston County South Carolina | 9 | $ 2,912,000 | $ 323,000 | $ 224,000 |
| Horry County South Carolina | 9 | $ 1,559,000 | $ 173,000 | $ 190,000 |
| Carroll County Virginia | 9 | $ 819,000 | $ 91,000 | $ 50,000 |
| Cherokee County Georgia | 8 | $ 1,103,000 | $ 137,000 | $ 239,000 |
| Bernalillo County New Mexico | 8 | $ 1,657,000 | $ 207,000 | $ 107,000 |
| Clay County North Carolina | 8 | $ 1,124,000 | $ 140,000 | $ 78,000 |
| Polk County North Carolina | 8 | $ 1,589,000 | $ 198,000 | $ 83,000 |
| Harris County Texas | 8 | $ 1,032,000 | $ 129,000 | $ 77,000 |
| Campbell County Virginia | 8 | $ 972,000 | $ 121,000 | $ 59,000 |
| Warren County Virginia | 8 | $ 720,000 | $ 90,000 | $ 70,000 |
| Sacramento County California | 7 | $ 855,000 | $ 122,000 | $ 49,000 |
| Broward County Florida | 7 | $ 1,092,000 | $ 156,000 | $ 176,000 |
| Collier County Florida | 7 | $ 2,114,000 | $ 302,000 | $ 182,000 |
| Johnson County Kansas | 7 | $ 794,000 | $ 113,000 | $ 40,000 |
| Montgomery County Maryland | 7 | $ 1,090,000 | $ 155,000 | $ 158,000 |
| Columbus County North Carolina | 7 | $ 899,000 | $ 128,000 | $ 62,000 |
| Vance County North Carolina | 7 | $ 360,000 | $ 51,000 | $ 48,000 |
| Lancaster County South Carolina | 7 | $ 502,000 | $ 71,000 | $ 115,000 |
| Spartanburg County South Carolina | 7 | $ 983,000 | $ 140,000 | $ 85,000 |
| Chesterfield County Virginia | 7 | $ 1,074,000 | $ 153,000 | $ 87,000 |
| Duval County Florida | 6 | $ 464,000 | $ 77,000 | $ 57,000 |
| Clayton County Georgia | 6 | $ 344,000 | $ 57,000 | $ 223,000 |
| Forsyth County Georgia | 6 | $ 1,713,000 | $ 285,000 | $ 279,000 |
| Alleghany County North Carolina | 6 | $ 680,000 | $ 113,000 | $ 89,000 |
| Avery County North Carolina | 6 | $ 2,226,000 | $ 371,000 | $ 220,000 |
| Caswell County North Carolina | 6 | $ 595,000 | $ 99,000 | $ 39,000 |
| Cleveland County North Carolina | 6 | $ 468,000 | $ 78,000 | $ 45,000 |
| Granville County North Carolina | 6 | $ 771,000 | $ 128,000 | $ 65,000 |
| Person County North Carolina | 6 | $ 2,283,000 | $ 380,000 | $ 169,000 |
| Robeson County North Carolina | 6 | $ 618,000 | $ 103,000 | $ 40,000 |
| Oconee County South Carolina | 6 | $ 2,703,000 | $ 450,000 | $ 503,000 |
| Williamson County Tennessee | 6 | $ 822,000 | $ 137,000 | $ 193,000 |
| Emporia County Virginia | 6 | $ 552,000 | $ 92,000 | $ 23,000 |
| Staunton County Virginia | 6 | $ 662,000 | $ 110,000 | $ 129,000 |
| Pierce County Washington | 6 | $ 1,776,000 | $ 296,000 | $ 143,000 |
| Orange County California | 5 | $ 6,033,000 | $ 1,206,000 | $ 259,000 |
| Alexander County North Carolina | 5 | $ 365,000 | $ 73,000 | $ 60,000 |
| Rowan County North Carolina | 5 | $ 479,000 | $ 95,000 | $ 98,000 |
| Halifax County Virginia | 5 | $ 394,000 | $ 78,000 | $ 142,000 |
| Richmond City County Virginia | 5 | $ 709,000 | $ 141,000 | $ 126,000 |
| Miami-Dade County Florida | 4 | $ 1,226,000 | $ 306,000 | $ 158,000 |
| Hoke County North Carolina | 4 | $ 592,000 | $ 148,000 | $ 72,000 |
| Martin County North Carolina | 4 | $ 542,000 | $ 135,000 | $ 46,000 |
| Aiken County South Carolina | 4 | $ 1,109,000 | $ 277,000 | $ 143,000 |
| Pickens County South Carolina | 4 | $ 3,691,000 | $ 922,000 | $ 537,000 |
| Alexandria County Virginia | 4 | $ 312,000 | $ 78,000 | $ 175,000 |
| Charlotte County Virginia | 4 | $ 287,000 | $ 71,000 | $ 74,000 |
| Floyd County Virginia | 4 | $ 233,000 | $ 58,000 | $ 50,000 |
| Fluvanna County Virginia | 4 | $ 593,000 | $ 148,000 | $ 139,000 |
| Galax County Virginia | 4 | $ 502,000 | $ 125,000 | $ 128,000 |
| Grayson County Virginia | 4 | $ 116,000 | $ 29,000 | $ 20,000 |
| Henrico County Virginia | 4 | $ 1,274,000 | $ 318,000 | $ 242,000 |
| Stafford County Virginia | 4 | $ 1,343,000 | $ 335,000 | $ 267,000 |
| Boulder County Colorado | 3 | $ 1,166,000 | $ 388,000 | $ 201,000 |
| Denver County Colorado | 3 | $ 388,000 | $ 129,000 | $ 93,000 |
| Martin County Florida | 3 | $ 328,000 | $ 109,000 | $ 83,000 |
| Santa Fe County New Mexico | 3 | $ 1,062,000 | $ 354,000 | $ 111,000 |
| Jones County North Carolina | 3 | $ 270,000 | $ 90,000 | $ 97,000 |
| Montgomery County North Carolina | 3 | $ 1,019,000 | $ 339,000 | $ 293,000 |
| Northampton County North Carolina | 3 | $ 825,000 | $ 275,000 | $ 147,000 |
| Warren County North Carolina | 3 | $ 427,000 | $ 142,000 | $ 105,000 |
| Anderson County South Carolina | 3 | $ 376,000 | $ 125,000 | $ 178,000 |
| Greenville County South Carolina | 3 | $ 1,296,000 | $ 432,000 | $ 437,000 |
| Lexington County South Carolina | 3 | $ 205,000 | $ 68,000 | $ 72,000 |
| Carter County Tennessee | 3 | $ 238,000 | $ 79,000 | $ 40,000 |
| Hamilton County Tennessee | 3 | $ 454,000 | $ 151,000 | $ 95,000 |
| Knox County Tennessee | 3 | $ 651,000 | $ 217,000 | $ 111,000 |
| Arlington County Virginia | 3 | $ 474,000 | $ 158,000 | $ 185,000 |
| Fauquier County Virginia | 3 | $ 568,000 | $ 189,000 | $ 93,000 |
| Hanover County Virginia | 3 | $ 373,000 | $ 124,000 | $ 86,000 |
| Harrisonburg County Virginia | 3 | $ 195,000 | $ 65,000 | $ 130,000 |
| Lunenburg County Virginia | 3 | $ 575,000 | $ 191,000 | $ 44,000 |
| Nottoway County Virginia | 3 | $ 1,268,000 | $ 422,000 | $ 43,000 |
| Patrick County Virginia | 3 | $ 400,000 | $ 133,000 | $ 61,000 |
| Thurston County Washington | 3 | $ 720,000 | $ 240,000 | $ 46,000 |
| Placer County California | 2 | $ 371,000 | $ 185,000 | $ 60,000 |
| Douglas County Colorado | 2 | $ 597,000 | $ 298,000 | $ 299,000 |
| Jefferson County Colorado | 2 | $ 867,000 | $ 433,000 | $ 271,000 |
| Larimer County Colorado | 2 | $ 278,000 | $ 139,000 | $ 38,000 |
| Clay County Florida | 2 | $ 216,000 | $ 108,000 | $ 25,000 |
| Jefferson County Kentucky | 2 | $ 330,000 | $ 165,000 | $ 719,000 |
| Prince George's County Maryland | 2 | $ 251,000 | $ 125,000 | $ 187,000 |
| Anson County North Carolina | 2 | $ 212,000 | $ 106,000 | $ 32,000 |
| Camden County North Carolina | 2 | $ 225,000 | $ 112,000 | $ 79,000 |
| Edgecombe County North Carolina | 2 | $ 468,000 | $ 234,000 | $ 108,000 |
| Perquimans County North Carolina | 2 | $ 156,000 | $ 78,000 | $ 71,000 |
| Canadian County Oklahoma | 2 | $ 206,000 | $ 103,000 | $ 80,000 |
| Johnson County Tennessee | 2 | $ 543,000 | $ 271,000 | $ 336,000 |
| Sevier County Tennessee | 2 | $ 289,000 | $ 144,000 | $ 130,000 |
| Washington County Tennessee | 2 | $ 539,000 | $ 269,000 | $ 435,000 |
| Wilson County Tennessee | 2 | $ 224,000 | $ 112,000 | $ 43,000 |
| Fort Bend County Texas | 2 | $ 161,000 | $ 80,000 | $ 43,000 |
| Amherst County Virginia | 2 | $ 262,000 | $ 131,000 | $ 38,000 |
| Bedford City County Virginia | 2 | $ 235,000 | $ 117,000 | $ 60,000 |
| Frederick County Virginia | 2 | $ 323,000 | $ 161,000 | $ 46,000 |
| Henry County Virginia | 2 | $ 62,000 | $ 31,000 | $ 34,000 |
| Highland County Virginia | 2 | $ 100,000 | $ 50,000 | $ 42,000 |
| Page County Virginia | 2 | $ 234,000 | $ 117,000 | $ 34,000 |
| Poquoson County Virginia | 2 | $ 210,000 | $ 105,000 | $ 204,000 |
| Shenandoah County Virginia | 2 | $ 310,000 | $ 155,000 | $ 50,000 |
| Virginia Beach County Virginia | 2 | $ 268,000 | $ 134,000 | $ 219,000 |
| Washington County Virginia | 2 | $ 253,000 | $ 126,000 | $ 115,000 |
| Monroe County West Virginia | 2 | $ 110,000 | $ 55,000 | $ 60,000 |
| Nevada County California | 1 | $ 196,000 | $ 196,000 | $ 247,000 |
| Adams County Colorado | 1 | $ 67,000 | $ 67,000 | $ 38,000 |
| Broomfield County Colorado | 1 | $ 292,000 | $ 292,000 | $ 104,000 |
| Weld County Colorado | 1 | $ 278,000 | $ 278,000 | $ 130,000 |
| Lake County Florida | 1 | $ 145,000 | $ 145,000 | $ 46,000 |
| Orange County Florida | 1 | $ 180,000 | $ 180,000 | $ 33,000 |
| Pasco County Florida | 1 | $ 71,000 | $ 71,000 | $ 29,000 |
| St. Johns County Florida | 1 | $ 750,000 | $ 750,000 | $ 447,000 |
| Catoosa County Georgia | 1 | $ 303,000 | $ 303,000 | $ 149,000 |
| Dooly County Georgia | 1 | $ 19,000 | $ 19,000 | $ 114,000 |
| Glynn County Georgia | 1 | $ 650,000 | $ 650,000 | $ 475,000 |
| Muscogee County Georgia | 1 | $ 272,000 | $ 272,000 | $ 195,000 |
| Paulding County Georgia | 1 | $ 75,000 | $ 75,000 | $ 101,000 |
| Rockdale County Georgia | 1 | $ 32,000 | $ 32,000 | $ 128,000 |
| Towns County Georgia | 1 | $ 272,000 | $ 272,000 | $ 135,000 |
| Union County Georgia | 1 | $ 117,000 | $ 117,000 | $ 79,000 |
| Walton County Georgia | 1 | $ 326,000 | $ 326,000 | $ 173,000 |
| Carroll County Maryland | 1 | $ 333,000 | $ 333,000 | $ 102,000 |
| Frederick County Maryland | 1 | $ 47,000 | $ 47,000 | $ 148,000 |
| Garrett County Maryland | 1 | $ 103,000 | $ 103,000 | $ 300,000 |
| Harford County Maryland | 1 | $ 260,000 | $ 260,000 | $ 162,000 |
| Howard County Maryland | 1 | $ 187,000 | $ 187,000 | $ 178,000 |
| Washington County Maryland | 1 | $ 40,000 | $ 40,000 | $ 157,000 |
| Ray County Missouri | 1 | $ 73,000 | $ 73,000 | $ 26,000 |
| St. Louis County Missouri | 1 | $ 275,000 | $ 275,000 | $ 86,000 |
| Curry County New Mexico | 1 | $ 223,000 | $ 223,000 | $ 91,000 |
| Currituck County North Carolina | 1 | $ 143,000 | $ 143,000 | $ 364,000 |
| Hertford County North Carolina | 1 | $ 60,000 | $ 60,000 | $ 123,000 |
| Mitchell County North Carolina | 1 | $ 187,000 | $ 187,000 | $ 94,000 |
| Richmond County North Carolina | 1 | $ 66,000 | $ 66,000 | $ 104,000 |
| Cleveland County Oklahoma | 1 | $ 221,000 | $ 221,000 | $ 660,000 |
| Sequoyah County Oklahoma | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Clackamas County Oregon | 1 | $ 134,000 | $ 134,000 | $ 23,000 |
| Beaufort County South Carolina | 1 | $ 291,000 | $ 291,000 | $ 271,000 |
| Georgetown County South Carolina | 1 | $ 1,000,000 | $ 1,000,000 | $ 193,000 |
| Loudon County Tennessee | 1 | $ 207,000 | $ 207,000 | $ 99,000 |
| Monroe County Tennessee | 1 | $ 213,000 | $ 213,000 | $ 69,000 |
| Rutherford County Tennessee | 1 | $ 736,000 | $ 736,000 | $ 337,000 |
| Brazoria County Texas | 1 | $ 185,000 | $ 185,000 | $ 49,000 |
| Polk County Texas | 1 | $ 203,000 | $ 203,000 | $ 174,000 |
| Buckingham County Virginia | 1 | $ 108,000 | $ 108,000 | $ 50,000 |
| Chesapeake County Virginia | 1 | $ 225,000 | $ 225,000 | $ 223,000 |
| Covington County Virginia | 1 | $ 34,000 | $ 34,000 | $ 16,000 |
| Giles County Virginia | 1 | $ 278,000 | $ 278,000 | $ 594,000 |
| Gloucester County Virginia | 1 | $ 150,000 | $ 150,000 | $ 42,000 |
| Greene County Virginia | 1 | $ 180,000 | $ 180,000 | $ 123,000 |
| Louisa County Virginia | 1 | $ 288,000 | $ 288,000 | $ 81,000 |
| Manassas County Virginia | 1 | $ 20,000 | $ 20,000 | $ 154,000 |
| Prince Edward County Virginia | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Prince George County Virginia | 1 | $ 175,000 | $ 175,000 | $ 202,000 |
| Pulaski County Virginia | 1 | $ 45,000 | $ 45,000 | $ 80,000 |
| Radford County Virginia | 1 | $ 150,000 | $ 150,000 | $ 46,000 |
| Rockbridge County Virginia | 1 | $ 330,000 | $ 330,000 | $ 150,000 |
| Spotsylvania County Virginia | 1 | $ 540,000 | $ 540,000 | $ 269,000 |
| Wythe County Virginia | 1 | $ 65,000 | $ 65,000 | $ 413,000 |
| York County Virginia | 1 | $ 36,000 | $ 36,000 | $ 163,000 |
| Clark County Washington | 1 | $ 675,000 | $ 675,000 | $ 406,000 |
| Skagit County Washington | 1 | $ 94,000 | $ 94,000 | $ 96,000 |
| Nicholas County West Virginia | 1 | $ 75,000 | $ 75,000 | $ 23,000 |
| Randolph County West Virginia | 1 | $ 57,000 | $ 57,000 | $ 0 |
Mortgage Loan Application Detail Totals for First-Citizens Bank & Trust Company in 2014
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 | 3,362 | $637,362,000 | $189,000 | $5,500,000 | $121,000 | $2,732,000 |
| Refinancing | 1,722 | $308,926,000 | $179,000 | $2,100,000 | $117,000 | $1,344,000 |
| Home Improvement | 326 | $31,236,000 | $95,000 | $1,412,000 | $103,000 | $854,000 |
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 | 3,678 | $703,165,000 | $191,000 | $5,500,000 | $131,000 | $2,510,000 |
| Black or African American | 573 | $89,045,000 | $155,000 | $2,980,000 | $84,000 | $2,732,000 |
| Not applicable | 420 | $63,367,000 | $150,000 | $1,412,000 | $28,000 | $390,000 |
| Not Provided | 332 | $46,430,000 | $139,000 | $910,000 | $151,000 | $854,000 |
| Asian | 188 | $39,554,000 | $210,000 | $1,259,000 | $161,000 | $682,000 |
| Hispanic | 170 | $29,485,000 | $173,000 | $770,000 | $100,000 | $768,000 |
| American Indian or Alaskan Native | 37 | $4,862,000 | $131,000 | $417,000 | $100,000 | $520,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $1,616,000 | $134,000 | $234,000 | $82,000 | $151,000 |
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) | 4,976 | $912,625,000 | $183,000 | $5,500,000 | $124,000 | $2,732,000 |
| FHA-insured (Federal Housing Administration) | 161 | $20,024,000 | $124,000 | $309,000 | $49,000 | $384,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 150 | $19,577,000 | $130,000 | $316,000 | $44,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 123 | $25,298,000 | $205,000 | $666,000 | $81,000 | $443,000 |
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 | 3,405 | $664,544,000 | $195,000 | $5,500,000 | $133,000 | $2,732,000 |
| Application Denied By Financial Institution | 790 | $114,021,000 | $144,000 | $1,063,000 | $79,000 | $1,087,000 |
| Application Withdrawn By Applicant | 369 | $70,125,000 | $190,000 | $996,000 | $131,000 | $1,672,000 |
| Application Approved But Not Accepted | 341 | $53,352,000 | $156,000 | $1,785,000 | $113,000 | $749,000 |
| Loan Purchased By The Institution | 249 | $31,627,000 | $127,000 | $392,000 | $48,000 | $390,000 |
| File Closed For Incompleteness | 172 | $31,701,000 | $184,000 | $1,000,000 | $134,000 | $854,000 |
| Preapproval Denied by Financial Institution | 84 | $12,154,000 | $144,000 | $743,000 | $77,000 | $2,028,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 348 | $61,215,000 | $175,000 | $1,063,000 | $63,000 | $646,000 |
| Credit History | 280 | $30,466,000 | $108,000 | $972,000 | $80,000 | $2,028,000 |
| Collateral | 145 | $19,608,000 | $135,000 | $840,000 | $121,000 | $630,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 39 | $6,083,000 | $155,000 | $417,000 | $62,000 | $194,000 |
| Other | 36 | $4,678,000 | $129,000 | $396,000 | $80,000 | $353,000 |
| Employment History | 15 | $2,361,000 | $157,000 | $358,000 | $42,000 | $100,000 |
| Unverifiable Information | 11 | $1,764,000 | $160,000 | $521,000 | $108,000 | $214,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First-Citizens Bank & Trust Company's 2014 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.