First-Citizens Bank & Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
First-Citizens Bank & Trust Company 2016 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 | 11,300 |
| Total Mortgage Loan Application Amount | $2,358,916,000 |
| Average Mortgage Loan Application Amount | $183,333 |
| Highest Mortgage Loan Application Amount | $3,350,000 |
| Average Applicant Income | $111,666 |
| Highest Applicant Income | $8,442,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 586 | $ 170,044,000 | $ 290,000 | $ 167,000 |
| Mecklenburg County North Carolina | 553 | $ 120,631,000 | $ 218,000 | $ 128,000 |
| Charleston County South Carolina | 482 | $ 162,611,000 | $ 337,000 | $ 148,000 |
| Richland County South Carolina | 413 | $ 79,360,000 | $ 192,000 | $ 116,000 |
| Spartanburg County South Carolina | 306 | $ 48,846,000 | $ 159,000 | $ 92,000 |
| Lexington County South Carolina | 293 | $ 58,920,000 | $ 201,000 | $ 107,000 |
| Guilford County North Carolina | 269 | $ 53,746,000 | $ 199,000 | $ 144,000 |
| Horry County South Carolina | 255 | $ 41,946,000 | $ 164,000 | $ 98,000 |
| Greenville County South Carolina | 227 | $ 48,623,000 | $ 214,000 | $ 118,000 |
| Forsyth County North Carolina | 225 | $ 35,641,000 | $ 158,000 | $ 87,000 |
| Buncombe County North Carolina | 200 | $ 56,789,000 | $ 283,000 | $ 146,000 |
| New Hanover County North Carolina | 178 | $ 57,542,000 | $ 323,000 | $ 215,000 |
| York County South Carolina | 172 | $ 33,656,000 | $ 195,000 | $ 89,000 |
| Henderson County North Carolina | 169 | $ 35,477,000 | $ 209,000 | $ 96,000 |
| Craven County North Carolina | 158 | $ 34,302,000 | $ 217,000 | $ 111,000 |
| Cumberland County North Carolina | 153 | $ 20,297,000 | $ 132,000 | $ 94,000 |
| Berkeley County South Carolina | 150 | $ 37,969,000 | $ 253,000 | $ 107,000 |
| Anderson County South Carolina | 144 | $ 21,559,000 | $ 149,000 | $ 92,000 |
| Carteret County North Carolina | 138 | $ 27,766,000 | $ 201,000 | $ 134,000 |
| Darlington County South Carolina | 136 | $ 18,122,000 | $ 133,000 | $ 73,000 |
| Union County North Carolina | 133 | $ 27,983,000 | $ 210,000 | $ 107,000 |
| Durham County North Carolina | 131 | $ 37,043,000 | $ 282,000 | $ 146,000 |
| Pickens County South Carolina | 129 | $ 22,035,000 | $ 170,000 | $ 106,000 |
| Aiken County South Carolina | 124 | $ 18,093,000 | $ 145,000 | $ 83,000 |
| Dorchester County South Carolina | 121 | $ 21,836,000 | $ 180,000 | $ 79,000 |
| Brunswick County North Carolina | 120 | $ 36,037,000 | $ 300,000 | $ 201,000 |
| Johnston County North Carolina | 116 | $ 16,722,000 | $ 144,000 | $ 81,000 |
| Florence County South Carolina | 113 | $ 15,773,000 | $ 139,000 | $ 86,000 |
| Orangeburg County South Carolina | 103 | $ 13,383,000 | $ 129,000 | $ 75,000 |
| Pitt County North Carolina | 101 | $ 20,473,000 | $ 202,000 | $ 141,000 |
| Orange County North Carolina | 100 | $ 37,031,000 | $ 370,000 | $ 213,000 |
| Georgetown County South Carolina | 100 | $ 26,672,000 | $ 266,000 | $ 153,000 |
| Chesterfield County South Carolina | 95 | $ 9,729,000 | $ 102,000 | $ 68,000 |
| Sumter County South Carolina | 94 | $ 11,873,000 | $ 126,000 | $ 74,000 |
| Fulton County Georgia | 92 | $ 44,223,000 | $ 480,000 | $ 204,000 |
| Moore County North Carolina | 92 | $ 29,823,000 | $ 324,000 | $ 196,000 |
| Lancaster County South Carolina | 91 | $ 11,984,000 | $ 131,000 | $ 74,000 |
| Caldwell County North Carolina | 90 | $ 11,220,000 | $ 124,000 | $ 54,000 |
| Catawba County North Carolina | 87 | $ 12,742,000 | $ 146,000 | $ 93,000 |
| Kershaw County South Carolina | 81 | $ 12,533,000 | $ 154,000 | $ 88,000 |
| Oconee County South Carolina | 75 | $ 13,685,000 | $ 182,000 | $ 117,000 |
| Greenwood County South Carolina | 72 | $ 9,659,000 | $ 134,000 | $ 65,000 |
| Cabarrus County North Carolina | 67 | $ 12,606,000 | $ 188,000 | $ 85,000 |
| Chester County South Carolina | 66 | $ 7,910,000 | $ 119,000 | $ 62,000 |
| Dillon County South Carolina | 63 | $ 5,870,000 | $ 93,000 | $ 61,000 |
| Beaufort County South Carolina | 62 | $ 21,899,000 | $ 353,000 | $ 337,000 |
| Roanoke County Virginia | 62 | $ 10,715,000 | $ 172,000 | $ 97,000 |
| Pittsylvania County Virginia | 58 | $ 8,928,000 | $ 153,000 | $ 71,000 |
| Transylvania County North Carolina | 56 | $ 8,661,000 | $ 154,000 | $ 83,000 |
| Roanoke City County Virginia | 56 | $ 7,257,000 | $ 129,000 | $ 74,000 |
| Watauga County North Carolina | 54 | $ 12,865,000 | $ 238,000 | $ 124,000 |
| Chatham County Georgia | 52 | $ 16,150,000 | $ 310,000 | $ 192,000 |
| Onslow County North Carolina | 51 | $ 7,786,000 | $ 152,000 | $ 93,000 |
| Wayne County North Carolina | 51 | $ 6,204,000 | $ 121,000 | $ 97,000 |
| Wilson County North Carolina | 49 | $ 6,723,000 | $ 137,000 | $ 87,000 |
| Haywood County North Carolina | 48 | $ 8,567,000 | $ 178,000 | $ 106,000 |
| Pender County North Carolina | 48 | $ 10,957,000 | $ 228,000 | $ 125,000 |
| Burke County North Carolina | 47 | $ 7,305,000 | $ 155,000 | $ 89,000 |
| Marlboro County South Carolina | 47 | $ 3,418,000 | $ 72,000 | $ 50,000 |
| Hart County Georgia | 45 | $ 6,999,000 | $ 155,000 | $ 66,000 |
| Iredell County North Carolina | 45 | $ 13,464,000 | $ 299,000 | $ 138,000 |
| Bedford County Virginia | 45 | $ 10,323,000 | $ 229,000 | $ 130,000 |
| McCormick County South Carolina | 44 | $ 5,997,000 | $ 136,000 | $ 70,000 |
| Newberry County South Carolina | 44 | $ 7,978,000 | $ 181,000 | $ 107,000 |
| Gwinnett County Georgia | 43 | $ 8,758,000 | $ 203,000 | $ 163,000 |
| Danville County Virginia | 42 | $ 4,356,000 | $ 103,000 | $ 37,000 |
| Sampson County North Carolina | 40 | $ 4,763,000 | $ 119,000 | $ 81,000 |
| Madison County Georgia | 39 | $ 4,707,000 | $ 120,000 | $ 59,000 |
| Franklin County North Carolina | 39 | $ 6,030,000 | $ 154,000 | $ 78,000 |
| DeKalb County Georgia | 38 | $ 19,648,000 | $ 517,000 | $ 225,000 |
| Lincoln County North Carolina | 38 | $ 6,747,000 | $ 177,000 | $ 107,000 |
| Surry County North Carolina | 37 | $ 5,034,000 | $ 136,000 | $ 101,000 |
| Stephens County Georgia | 36 | $ 4,070,000 | $ 113,000 | $ 80,000 |
| Abbeville County South Carolina | 36 | $ 3,941,000 | $ 109,000 | $ 55,000 |
| Clarendon County South Carolina | 36 | $ 5,741,000 | $ 159,000 | $ 108,000 |
| Gaston County North Carolina | 35 | $ 5,589,000 | $ 159,000 | $ 97,000 |
| Lee County North Carolina | 35 | $ 6,114,000 | $ 174,000 | $ 107,000 |
| Milwaukee County Wisconsin | 35 | $ 2,254,000 | $ 64,000 | $ 0 |
| Franklin County Georgia | 34 | $ 4,707,000 | $ 138,000 | $ 62,000 |
| Fairfield County South Carolina | 34 | $ 4,705,000 | $ 138,000 | $ 67,000 |
| Laurens County South Carolina | 34 | $ 4,591,000 | $ 135,000 | $ 73,000 |
| Cobb County Georgia | 33 | $ 9,635,000 | $ 291,000 | $ 161,000 |
| Jackson County North Carolina | 32 | $ 9,522,000 | $ 297,000 | $ 256,000 |
| Pamlico County North Carolina | 32 | $ 8,110,000 | $ 253,000 | $ 131,000 |
| Barnwell County South Carolina | 32 | $ 3,792,000 | $ 118,000 | $ 64,000 |
| Chatham County North Carolina | 31 | $ 7,676,000 | $ 247,000 | $ 125,000 |
| Lenoir County North Carolina | 31 | $ 3,692,000 | $ 119,000 | $ 80,000 |
| Rutherford County North Carolina | 31 | $ 4,187,000 | $ 135,000 | $ 158,000 |
| Harnett County North Carolina | 30 | $ 4,278,000 | $ 142,000 | $ 73,000 |
| McDowell County North Carolina | 30 | $ 4,253,000 | $ 141,000 | $ 59,000 |
| Stanly County North Carolina | 30 | $ 4,480,000 | $ 149,000 | $ 75,000 |
| Saluda County South Carolina | 30 | $ 3,445,000 | $ 114,000 | $ 68,000 |
| Rockingham County North Carolina | 29 | $ 4,178,000 | $ 144,000 | $ 77,000 |
| Brunswick County Virginia | 29 | $ 3,875,000 | $ 133,000 | $ 87,000 |
| Davidson County North Carolina | 27 | $ 3,824,000 | $ 141,000 | $ 77,000 |
| Edgefield County South Carolina | 27 | $ 5,221,000 | $ 193,000 | $ 122,000 |
| Marion County South Carolina | 27 | $ 2,647,000 | $ 98,000 | $ 65,000 |
| Mecklenburg County Virginia | 27 | $ 2,853,000 | $ 105,000 | $ 66,000 |
| Ashe County North Carolina | 26 | $ 3,700,000 | $ 142,000 | $ 95,000 |
| Beaufort County North Carolina | 26 | $ 4,270,000 | $ 164,000 | $ 97,000 |
| Randolph County North Carolina | 26 | $ 4,324,000 | $ 166,000 | $ 202,000 |
| Stokes County North Carolina | 24 | $ 2,833,000 | $ 118,000 | $ 71,000 |
| Albemarle County Virginia | 24 | $ 6,756,000 | $ 281,000 | $ 189,000 |
| Swain County North Carolina | 23 | $ 3,636,000 | $ 158,000 | $ 94,000 |
| Botetourt County Virginia | 23 | $ 3,836,000 | $ 166,000 | $ 80,000 |
| Maricopa County Arizona | 21 | $ 7,480,000 | $ 356,000 | $ 169,000 |
| Franklin County Virginia | 21 | $ 7,390,000 | $ 351,000 | $ 265,000 |
| Columbia County Georgia | 20 | $ 4,746,000 | $ 237,000 | $ 112,000 |
| Macon County North Carolina | 20 | $ 5,035,000 | $ 251,000 | $ 135,000 |
| Montgomery County Virginia | 20 | $ 5,344,000 | $ 267,000 | $ 118,000 |
| Palm Beach County Florida | 19 | $ 14,253,000 | $ 750,000 | $ 341,000 |
| Alamance County North Carolina | 19 | $ 3,821,000 | $ 201,000 | $ 97,000 |
| Polk County North Carolina | 19 | $ 4,160,000 | $ 218,000 | $ 83,000 |
| Williamsburg County South Carolina | 19 | $ 1,897,000 | $ 99,000 | $ 66,000 |
| Greenbrier County West Virginia | 19 | $ 1,773,000 | $ 93,000 | $ 38,000 |
| Bladen County North Carolina | 18 | $ 1,806,000 | $ 100,000 | $ 65,000 |
| Greene County North Carolina | 18 | $ 1,683,000 | $ 93,000 | $ 69,000 |
| Robeson County North Carolina | 18 | $ 2,037,000 | $ 113,000 | $ 66,000 |
| Rowan County North Carolina | 18 | $ 3,354,000 | $ 186,000 | $ 141,000 |
| Lee County South Carolina | 18 | $ 1,343,000 | $ 74,000 | $ 164,000 |
| Lynchburg County Virginia | 18 | $ 4,209,000 | $ 233,000 | $ 163,000 |
| Dare County North Carolina | 17 | $ 4,796,000 | $ 282,000 | $ 119,000 |
| Wilkes County North Carolina | 17 | $ 1,744,000 | $ 102,000 | $ 116,000 |
| Cherokee County North Carolina | 16 | $ 2,378,000 | $ 148,000 | $ 54,000 |
| Graham County North Carolina | 16 | $ 1,775,000 | $ 110,000 | $ 59,000 |
| Miami-Dade County Florida | 15 | $ 9,378,000 | $ 625,000 | $ 367,000 |
| Colleton County South Carolina | 15 | $ 2,357,000 | $ 157,000 | $ 127,000 |
| Pocahontas County West Virginia | 15 | $ 1,511,000 | $ 100,000 | $ 74,000 |
| McDuffie County Georgia | 14 | $ 1,742,000 | $ 124,000 | $ 69,000 |
| Alexander County North Carolina | 14 | $ 2,089,000 | $ 149,000 | $ 69,000 |
| Broward County Florida | 13 | $ 4,455,000 | $ 342,000 | $ 188,000 |
| Cherokee County Georgia | 13 | $ 4,521,000 | $ 347,000 | $ 148,000 |
| Avery County North Carolina | 13 | $ 2,997,000 | $ 230,000 | $ 209,000 |
| Halifax County North Carolina | 13 | $ 2,553,000 | $ 196,000 | $ 174,000 |
| Madison County North Carolina | 13 | $ 2,798,000 | $ 215,000 | $ 98,000 |
| Bamberg County South Carolina | 13 | $ 1,923,000 | $ 147,000 | $ 228,000 |
| Fairfax County Virginia | 13 | $ 2,451,000 | $ 188,000 | $ 228,000 |
| Riverside County California | 12 | $ 3,869,000 | $ 322,000 | $ 124,000 |
| Warren County North Carolina | 12 | $ 1,636,000 | $ 136,000 | $ 68,000 |
| Delaware County Pennsylvania | 12 | $ 801,000 | $ 66,000 | $ 0 |
| Calhoun County South Carolina | 12 | $ 2,165,000 | $ 180,000 | $ 137,000 |
| Dougherty County Georgia | 11 | $ 1,026,000 | $ 93,000 | $ 38,000 |
| Granville County North Carolina | 11 | $ 2,544,000 | $ 231,000 | $ 82,000 |
| Nash County North Carolina | 11 | $ 1,447,000 | $ 131,000 | $ 62,000 |
| Yadkin County North Carolina | 11 | $ 1,253,000 | $ 113,000 | $ 67,000 |
| Cherokee County South Carolina | 11 | $ 1,091,000 | $ 99,000 | $ 73,000 |
| Chesterfield County Virginia | 11 | $ 2,671,000 | $ 242,000 | $ 109,000 |
| Rockingham County Virginia | 11 | $ 2,309,000 | $ 209,000 | $ 65,000 |
| Martin County Florida | 10 | $ 3,704,000 | $ 370,000 | $ 131,000 |
| Richmond County Georgia | 10 | $ 2,220,000 | $ 222,000 | $ 128,000 |
| Scotland County North Carolina | 10 | $ 1,184,000 | $ 118,000 | $ 80,000 |
| Augusta County Virginia | 10 | $ 1,357,000 | $ 135,000 | $ 44,000 |
| Salem County Virginia | 10 | $ 1,595,000 | $ 159,000 | $ 96,000 |
| Lee County Florida | 9 | $ 1,731,000 | $ 192,000 | $ 106,000 |
| Carroll County Georgia | 9 | $ 1,760,000 | $ 195,000 | $ 193,000 |
| Clay County North Carolina | 9 | $ 1,297,000 | $ 144,000 | $ 74,000 |
| Davie County North Carolina | 9 | $ 1,902,000 | $ 211,000 | $ 115,000 |
| Loudoun County Virginia | 9 | $ 1,332,000 | $ 148,000 | $ 148,000 |
| Richmond City County Virginia | 9 | $ 4,908,000 | $ 545,000 | $ 174,000 |
| Forsyth County Georgia | 8 | $ 4,278,000 | $ 534,000 | $ 261,000 |
| Columbus County North Carolina | 8 | $ 1,119,000 | $ 139,000 | $ 78,000 |
| Duplin County North Carolina | 8 | $ 1,094,000 | $ 136,000 | $ 34,000 |
| Pasquotank County North Carolina | 8 | $ 1,213,000 | $ 151,000 | $ 74,000 |
| Denver County Colorado | 7 | $ 2,857,000 | $ 408,000 | $ 196,000 |
| St. Johns County Florida | 7 | $ 1,842,000 | $ 263,000 | $ 130,000 |
| Rabun County Georgia | 7 | $ 1,887,000 | $ 269,000 | $ 106,000 |
| Warren County Georgia | 7 | $ 551,000 | $ 78,000 | $ 55,000 |
| Hoke County North Carolina | 7 | $ 688,000 | $ 98,000 | $ 52,000 |
| Hamilton County Tennessee | 7 | $ 2,134,000 | $ 304,000 | $ 251,000 |
| Williamson County Tennessee | 7 | $ 3,897,000 | $ 556,000 | $ 308,000 |
| Carroll County Virginia | 7 | $ 550,000 | $ 78,000 | $ 60,000 |
| Greensville County Virginia | 7 | $ 782,000 | $ 111,000 | $ 70,000 |
| Prince William County Virginia | 7 | $ 1,295,000 | $ 185,000 | $ 258,000 |
| Los Angeles County California | 6 | $ 5,245,000 | $ 874,000 | $ 129,000 |
| Collier County Florida | 6 | $ 2,965,000 | $ 494,000 | $ 793,000 |
| Duval County Florida | 6 | $ 1,860,000 | $ 310,000 | $ 678,000 |
| Jackson County Georgia | 6 | $ 963,000 | $ 160,000 | $ 109,000 |
| Alleghany County North Carolina | 6 | $ 611,000 | $ 101,000 | $ 84,000 |
| Anson County North Carolina | 6 | $ 319,000 | $ 53,000 | $ 26,000 |
| Person County North Carolina | 6 | $ 1,638,000 | $ 273,000 | $ 187,000 |
| Yancey County North Carolina | 6 | $ 533,000 | $ 88,000 | $ 54,000 |
| Chester County Pennsylvania | 6 | $ 480,000 | $ 80,000 | $ 0 |
| Davidson County Tennessee | 6 | $ 1,105,000 | $ 184,000 | $ 101,000 |
| Knox County Tennessee | 6 | $ 1,487,000 | $ 247,000 | $ 189,000 |
| Charlotte County Virginia | 6 | $ 528,000 | $ 88,000 | $ 47,000 |
| Harrisonburg County Virginia | 6 | $ 1,730,000 | $ 288,000 | $ 93,000 |
| Henrico County Virginia | 6 | $ 1,658,000 | $ 276,000 | $ 189,000 |
| King County Washington | 6 | $ 1,645,000 | $ 274,000 | $ 408,000 |
| Orange County California | 5 | $ 1,822,000 | $ 364,000 | $ 134,000 |
| San Diego County California | 5 | $ 2,949,000 | $ 589,000 | $ 155,000 |
| Clarke County Georgia | 5 | $ 991,000 | $ 198,000 | $ 37,000 |
| Elbert County Georgia | 5 | $ 328,000 | $ 65,000 | $ 62,000 |
| Oconee County Georgia | 5 | $ 716,000 | $ 143,000 | $ 64,000 |
| Caswell County North Carolina | 5 | $ 994,000 | $ 198,000 | $ 43,000 |
| Cleveland County North Carolina | 5 | $ 1,534,000 | $ 306,000 | $ 5,000 |
| Jones County North Carolina | 5 | $ 728,000 | $ 145,000 | $ 81,000 |
| Philadelphia County Pennsylvania | 5 | $ 595,000 | $ 119,000 | $ 46,000 |
| Charlottesville County Virginia | 5 | $ 1,817,000 | $ 363,000 | $ 180,000 |
| Nottoway County Virginia | 5 | $ 890,000 | $ 178,000 | $ 123,000 |
| Sacramento County California | 4 | $ 1,096,000 | $ 274,000 | $ 47,000 |
| Arapahoe County Colorado | 4 | $ 2,988,000 | $ 747,000 | $ 260,000 |
| Summit County Colorado | 4 | $ 2,346,000 | $ 586,000 | $ 116,000 |
| Sarasota County Florida | 4 | $ 730,000 | $ 182,000 | $ 79,000 |
| Barrow County Georgia | 4 | $ 757,000 | $ 189,000 | $ 90,000 |
| Bartow County Georgia | 4 | $ 998,000 | $ 249,000 | $ 315,000 |
| Hall County Georgia | 4 | $ 734,000 | $ 183,000 | $ 232,000 |
| Anne Arundel County Maryland | 4 | $ 1,138,000 | $ 284,000 | $ 192,000 |
| Vance County North Carolina | 4 | $ 478,000 | $ 119,000 | $ 89,000 |
| Washington County Oregon | 4 | $ 1,813,000 | $ 453,000 | $ 207,000 |
| Jasper County South Carolina | 4 | $ 731,000 | $ 182,000 | $ 73,000 |
| Johnson County Tennessee | 4 | $ 1,283,000 | $ 320,000 | $ 13,000 |
| Sevier County Tennessee | 4 | $ 1,168,000 | $ 292,000 | $ 368,000 |
| Williamson County Texas | 4 | $ 817,000 | $ 204,000 | $ 236,000 |
| Frederick County Virginia | 4 | $ 628,000 | $ 157,000 | $ 124,000 |
| Galax County Virginia | 4 | $ 273,000 | $ 68,000 | $ 77,000 |
| Grayson County Virginia | 4 | $ 640,000 | $ 160,000 | $ 95,000 |
| Halifax County Virginia | 4 | $ 309,000 | $ 77,000 | $ 26,000 |
| Lunenburg County Virginia | 4 | $ 252,000 | $ 63,000 | $ 50,000 |
| Thurston County Washington | 4 | $ 729,000 | $ 182,000 | $ 88,000 |
| Pima County Arizona | 3 | $ 1,201,000 | $ 400,000 | $ 314,000 |
| Douglas County Colorado | 3 | $ 1,709,000 | $ 569,000 | $ 279,000 |
| Jefferson County Colorado | 3 | $ 1,076,000 | $ 358,000 | $ 191,000 |
| Larimer County Colorado | 3 | $ 1,880,000 | $ 626,000 | $ 320,000 |
| District of Columbia County District Of Columbia | 3 | $ 1,068,000 | $ 356,000 | $ 93,000 |
| Pinellas County Florida | 3 | $ 637,000 | $ 212,000 | $ 333,000 |
| Oglethorpe County Georgia | 3 | $ 268,000 | $ 89,000 | $ 67,000 |
| Paulding County Georgia | 3 | $ 413,000 | $ 137,000 | $ 53,000 |
| Rockdale County Georgia | 3 | $ 824,000 | $ 274,000 | $ 129,000 |
| Jackson County Missouri | 3 | $ 340,000 | $ 113,000 | $ 0 |
| Camden County North Carolina | 3 | $ 673,000 | $ 224,000 | $ 304,000 |
| Chowan County North Carolina | 3 | $ 1,180,000 | $ 393,000 | $ 784,000 |
| Mitchell County North Carolina | 3 | $ 520,000 | $ 173,000 | $ 129,000 |
| Montgomery County North Carolina | 3 | $ 585,000 | $ 195,000 | $ 109,000 |
| Northampton County North Carolina | 3 | $ 171,000 | $ 57,000 | $ 35,000 |
| Oklahoma County Oklahoma | 3 | $ 650,000 | $ 216,000 | $ 171,000 |
| Bucks County Pennsylvania | 3 | $ 537,000 | $ 179,000 | $ 0 |
| Montgomery County Pennsylvania | 3 | $ 122,000 | $ 40,000 | $ 0 |
| Allendale County South Carolina | 3 | $ 288,000 | $ 96,000 | $ 18,000 |
| Sumner County Tennessee | 3 | $ 1,016,000 | $ 338,000 | $ 210,000 |
| Harris County Texas | 3 | $ 281,000 | $ 93,000 | $ 73,000 |
| Travis County Texas | 3 | $ 736,000 | $ 245,000 | $ 40,000 |
| Floyd County Virginia | 3 | $ 236,000 | $ 78,000 | $ 100,000 |
| Hanover County Virginia | 3 | $ 399,000 | $ 133,000 | $ 148,000 |
| Patrick County Virginia | 3 | $ 399,000 | $ 133,000 | $ 77,000 |
| Warren County Virginia | 3 | $ 853,000 | $ 284,000 | $ 94,000 |
| Contra Costa County California | 2 | $ 235,000 | $ 117,000 | $ 78,000 |
| Placer County California | 2 | $ 422,000 | $ 211,000 | $ 200,000 |
| San Bernardino County California | 2 | $ 784,000 | $ 392,000 | $ 0 |
| Ventura County California | 2 | $ 590,000 | $ 295,000 | $ 117,000 |
| Boulder County Colorado | 2 | $ 1,153,000 | $ 576,000 | $ 187,000 |
| Monroe County Florida | 2 | $ 823,000 | $ 411,000 | $ 20,000 |
| Orange County Florida | 2 | $ 1,244,000 | $ 622,000 | $ 204,000 |
| Santa Rosa County Florida | 2 | $ 371,000 | $ 185,000 | $ 192,000 |
| Seminole County Florida | 2 | $ 607,000 | $ 303,000 | $ 97,000 |
| Walton County Florida | 2 | $ 1,304,000 | $ 652,000 | $ 503,000 |
| Clayton County Georgia | 2 | $ 177,000 | $ 88,000 | $ 44,000 |
| Habersham County Georgia | 2 | $ 351,000 | $ 175,000 | $ 88,000 |
| Baltimore County Maryland | 2 | $ 1,016,000 | $ 508,000 | $ 323,000 |
| Montgomery County Maryland | 2 | $ 821,000 | $ 410,000 | $ 152,000 |
| Bernalillo County New Mexico | 2 | $ 213,000 | $ 106,000 | $ 81,000 |
| Edgecombe County North Carolina | 2 | $ 78,000 | $ 39,000 | $ 29,000 |
| Gates County North Carolina | 2 | $ 227,000 | $ 113,000 | $ 43,000 |
| Hyde County North Carolina | 2 | $ 178,000 | $ 89,000 | $ 60,000 |
| Martin County North Carolina | 2 | $ 168,000 | $ 84,000 | $ 70,000 |
| Multnomah County Oregon | 2 | $ 1,116,000 | $ 558,000 | $ 277,000 |
| Union County South Carolina | 2 | $ 237,000 | $ 118,000 | $ 54,000 |
| Carter County Tennessee | 2 | $ 209,000 | $ 104,000 | $ 86,000 |
| Shelby County Tennessee | 2 | $ 104,000 | $ 52,000 | $ 68,000 |
| Hays County Texas | 2 | $ 611,000 | $ 305,000 | $ 260,000 |
| Alexandria County Virginia | 2 | $ 80,000 | $ 40,000 | $ 763,000 |
| Alleghany County Virginia | 2 | $ 150,000 | $ 75,000 | $ 44,000 |
| Amherst County Virginia | 2 | $ 144,000 | $ 72,000 | $ 39,000 |
| Arlington County Virginia | 2 | $ 1,980,000 | $ 990,000 | $ 239,000 |
| Emporia County Virginia | 2 | $ 131,000 | $ 65,000 | $ 35,000 |
| Fluvanna County Virginia | 2 | $ 280,000 | $ 140,000 | $ 67,000 |
| Gloucester County Virginia | 2 | $ 340,000 | $ 170,000 | $ 101,000 |
| Greene County Virginia | 2 | $ 132,000 | $ 66,000 | $ 9,000 |
| Henry County Virginia | 2 | $ 298,000 | $ 149,000 | $ 129,000 |
| Shenandoah County Virginia | 2 | $ 227,000 | $ 113,000 | $ 179,000 |
| Staunton County Virginia | 2 | $ 123,000 | $ 61,000 | $ 27,000 |
| Sussex County Virginia | 2 | $ 503,000 | $ 251,000 | $ 620,000 |
| Whatcom County Washington | 2 | $ 322,000 | $ 161,000 | $ 273,000 |
| Monongalia County West Virginia | 2 | $ 408,000 | $ 204,000 | $ 54,000 |
| Monroe County West Virginia | 2 | $ 336,000 | $ 168,000 | $ 39,000 |
| El Dorado County California | 1 | $ 97,000 | $ 97,000 | $ 167,000 |
| Fresno County California | 1 | $ 60,000 | $ 60,000 | $ 156,000 |
| Humboldt County California | 1 | $ 312,000 | $ 312,000 | $ 110,000 |
| Kern County California | 1 | $ 112,000 | $ 112,000 | $ 44,000 |
| Santa Clara County California | 1 | $ 2,475,000 | $ 2,475,000 | $ 637,000 |
| Eagle County Colorado | 1 | $ 402,000 | $ 402,000 | $ 0 |
| Garfield County Colorado | 1 | $ 406,000 | $ 406,000 | $ 40,000 |
| Grand County Colorado | 1 | $ 1,080,000 | $ 1,080,000 | $ 0 |
| Fairfield County Connecticut | 1 | $ 490,000 | $ 490,000 | $ 517,000 |
| Alachua County Florida | 1 | $ 248,000 | $ 248,000 | $ 103,000 |
| Brevard County Florida | 1 | $ 360,000 | $ 360,000 | $ 82,000 |
| Charlotte County Florida | 1 | $ 73,000 | $ 73,000 | $ 21,000 |
| Hernando County Florida | 1 | $ 111,000 | $ 111,000 | $ 104,000 |
| Highlands County Florida | 1 | $ 120,000 | $ 120,000 | $ 48,000 |
| Hillsborough County Florida | 1 | $ 207,000 | $ 207,000 | $ 315,000 |
| Indian River County Florida | 1 | $ 850,000 | $ 850,000 | $ 220,000 |
| Nassau County Florida | 1 | $ 167,000 | $ 167,000 | $ 50,000 |
| Okaloosa County Florida | 1 | $ 220,000 | $ 220,000 | $ 156,000 |
| Okeechobee County Florida | 1 | $ 75,000 | $ 75,000 | $ 121,000 |
| Osceola County Florida | 1 | $ 417,000 | $ 417,000 | $ 138,000 |
| Pasco County Florida | 1 | $ 60,000 | $ 60,000 | $ 49,000 |
| Polk County Florida | 1 | $ 417,000 | $ 417,000 | $ 301,000 |
| St. Lucie County Florida | 1 | $ 74,000 | $ 74,000 | $ 35,000 |
| Volusia County Florida | 1 | $ 96,000 | $ 96,000 | $ 116,000 |
| Banks County Georgia | 1 | $ 254,000 | $ 254,000 | $ 69,000 |
| Bibb County Georgia | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Bryan County Georgia | 1 | $ 281,000 | $ 281,000 | $ 194,000 |
| Burke County Georgia | 1 | $ 40,000 | $ 40,000 | $ 173,000 |
| Camden County Georgia | 1 | $ 312,000 | $ 312,000 | $ 110,000 |
| Crawford County Georgia | 1 | $ 172,000 | $ 172,000 | $ 75,000 |
| Dawson County Georgia | 1 | $ 388,000 | $ 388,000 | $ 620,000 |
| Early County Georgia | 1 | $ 49,000 | $ 49,000 | $ 34,000 |
| Floyd County Georgia | 1 | $ 196,000 | $ 196,000 | $ 60,000 |
| Gilmer County Georgia | 1 | $ 257,000 | $ 257,000 | $ 130,000 |
| Glynn County Georgia | 1 | $ 232,000 | $ 232,000 | $ 78,000 |
| Greene County Georgia | 1 | $ 47,000 | $ 47,000 | $ 35,000 |
| Henry County Georgia | 1 | $ 410,000 | $ 410,000 | $ 85,000 |
| Houston County Georgia | 1 | $ 400,000 | $ 400,000 | $ 250,000 |
| Lee County Georgia | 1 | $ 150,000 | $ 150,000 | $ 86,000 |
| Lumpkin County Georgia | 1 | $ 129,000 | $ 129,000 | $ 154,000 |
| Newton County Georgia | 1 | $ 122,000 | $ 122,000 | $ 110,000 |
| Putnam County Georgia | 1 | $ 172,000 | $ 172,000 | $ 38,000 |
| Towns County Georgia | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
| Union County Georgia | 1 | $ 165,000 | $ 165,000 | $ 47,000 |
| Walton County Georgia | 1 | $ 293,000 | $ 293,000 | $ 125,000 |
| Washington County Georgia | 1 | $ 95,000 | $ 95,000 | $ 56,000 |
| Wilkes County Georgia | 1 | $ 60,000 | $ 60,000 | $ 25,000 |
| Bourbon County Kansas | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Baltimore City County Maryland | 1 | $ 356,000 | $ 356,000 | $ 0 |
| Frederick County Maryland | 1 | $ 156,000 | $ 156,000 | $ 69,000 |
| Howard County Maryland | 1 | $ 624,000 | $ 624,000 | $ 173,000 |
| Queen Anne's County Maryland | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Washington County Maryland | 1 | $ 100,000 | $ 100,000 | $ 127,000 |
| Washtenaw County Michigan | 1 | $ 56,000 | $ 56,000 | $ 204,000 |
| Greene County Missouri | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Gallatin County Montana | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Clark County Nevada | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Burlington County New Jersey | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Cape May County New Jersey | 1 | $ 150,000 | $ 150,000 | $ 413,000 |
| Sandoval County New Mexico | 1 | $ 97,000 | $ 97,000 | $ 300,000 |
| Santa Fe County New Mexico | 1 | $ 417,000 | $ 417,000 | $ 139,000 |
| Sierra County New Mexico | 1 | $ 52,000 | $ 52,000 | $ 30,000 |
| New York County New York | 1 | $ 1,275,000 | $ 1,275,000 | $ 1,005,000 |
| Currituck County North Carolina | 1 | $ 1,150,000 | $ 1,150,000 | $ 1,521,000 |
| Perquimans County North Carolina | 1 | $ 133,000 | $ 133,000 | $ 37,000 |
| Richmond County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 200,000 |
| Cleveland County Oklahoma | 1 | $ 108,000 | $ 108,000 | $ 78,000 |
| Logan County Oklahoma | 1 | $ 63,000 | $ 63,000 | $ 127,000 |
| Tulsa County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 102,000 |
| Clackamas County Oregon | 1 | $ 520,000 | $ 520,000 | $ 263,000 |
| Berks County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 140,000 |
| Schuylkill County Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Westmoreland County Pennsylvania | 1 | $ 23,000 | $ 23,000 | $ 38,000 |
| Bradley County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 151,000 |
| Cocke County Tennessee | 1 | $ 58,000 | $ 58,000 | $ 73,000 |
| Dickson County Tennessee | 1 | $ 133,000 | $ 133,000 | $ 43,000 |
| Dyer County Tennessee | 1 | $ 51,000 | $ 51,000 | $ 29,000 |
| Grainger County Tennessee | 1 | $ 550,000 | $ 550,000 | $ 332,000 |
| Greene County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Rhea County Tennessee | 1 | $ 91,000 | $ 91,000 | $ 57,000 |
| Tipton County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Bastrop County Texas | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Collin County Texas | 1 | $ 50,000 | $ 50,000 | $ 202,000 |
| Dallas County Texas | 1 | $ 194,000 | $ 194,000 | $ 445,000 |
| Maverick County Texas | 1 | $ 82,000 | $ 82,000 | $ 51,000 |
| Tarrant County Texas | 1 | $ 123,000 | $ 123,000 | $ 190,000 |
| Bath County Virginia | 1 | $ 25,000 | $ 25,000 | $ 176,000 |
| Campbell County Virginia | 1 | $ 191,000 | $ 191,000 | $ 47,000 |
| Chesapeake County Virginia | 1 | $ 110,000 | $ 110,000 | $ 93,000 |
| Covington County Virginia | 1 | $ 48,000 | $ 48,000 | $ 42,000 |
| Fairfax City County Virginia | 1 | $ 80,000 | $ 80,000 | $ 229,000 |
| Fredericksburg County Virginia | 1 | $ 335,000 | $ 335,000 | $ 159,000 |
| Goochland County Virginia | 1 | $ 580,000 | $ 580,000 | $ 762,000 |
| Nelson County Virginia | 1 | $ 163,000 | $ 163,000 | $ 88,000 |
| Page County Virginia | 1 | $ 45,000 | $ 45,000 | $ 39,000 |
| Petersburg County Virginia | 1 | $ 1,200,000 | $ 1,200,000 | $ 0 |
| Prince Edward County Virginia | 1 | $ 70,000 | $ 70,000 | $ 29,000 |
| Pulaski County Virginia | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Rockbridge County Virginia | 1 | $ 230,000 | $ 230,000 | $ 132,000 |
| Southampton County Virginia | 1 | $ 85,000 | $ 85,000 | $ 24,000 |
| Stafford County Virginia | 1 | $ 855,000 | $ 855,000 | $ 270,000 |
| Tazewell County Virginia | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Williamsburg County Virginia | 1 | $ 226,000 | $ 226,000 | $ 741,000 |
| Kitsap County Washington | 1 | $ 548,000 | $ 548,000 | $ 922,000 |
| Okanogan County Washington | 1 | $ 703,000 | $ 703,000 | $ 89,000 |
| Pierce County Washington | 1 | $ 212,000 | $ 212,000 | $ 113,000 |
| Hampshire County West Virginia | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Hardy County West Virginia | 1 | $ 39,000 | $ 39,000 | $ 47,000 |
| Nicholas County West Virginia | 1 | $ 46,000 | $ 46,000 | $ 56,000 |
| Putnam County West Virginia | 1 | $ 115,000 | $ 115,000 | $ 83,000 |
| Raleigh County West Virginia | 1 | $ 165,000 | $ 165,000 | $ 53,000 |
| Wood County West Virginia | 1 | $ 139,000 | $ 139,000 | $ 162,000 |
| Dane County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Ozaukee County Wisconsin | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Waukesha County Wisconsin | 1 | $ 424,000 | $ 424,000 | $ 0 |
Mortgage Loan Application Detail Totals for First-Citizens Bank & Trust Company in 2016
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 | 6,093 | $1,323,524,000 | $217,000 | $3,350,000 | $115,000 | $8,442,000 |
| Refinancing | 4,583 | $957,971,000 | $209,000 | $2,908,000 | $127,000 | $2,116,000 |
| Home Improvement | 624 | $77,421,000 | $124,000 | $1,875,000 | $93,000 | $2,391,000 |
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 | 8,327 | $1,780,456,000 | $213,000 | $2,695,000 | $125,000 | $8,442,000 |
| Black or African American | 1,000 | $147,875,000 | $147,000 | $2,450,000 | $73,000 | $1,195,000 |
| Not Provided | 868 | $212,251,000 | $244,000 | $2,310,000 | $173,000 | $1,800,000 |
| Not applicable | 385 | $80,369,000 | $208,000 | $3,350,000 | $0 | $0 |
| Hispanic | 344 | $58,968,000 | $171,000 | $1,300,000 | $73,000 | $1,245,000 |
| Asian | 302 | $68,406,000 | $226,000 | $1,530,000 | $143,000 | $3,300,000 |
| American Indian or Alaskan Native | 59 | $8,047,000 | $136,000 | $620,000 | $106,000 | $627,000 |
| Native Hawaiin or Other Pacific Islander | 15 | $2,544,000 | $169,000 | $271,000 | $79,000 | $180,000 |
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) | 10,280 | $2,210,122,000 | $214,000 | $3,350,000 | $125,000 | $8,442,000 |
| FHA-insured (Federal Housing Administration) | 639 | $87,303,000 | $136,000 | $549,000 | $51,000 | $284,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 198 | $23,197,000 | $117,000 | $347,000 | $40,000 | $188,000 |
| VA-guaranteed (Veterans Administration) | 183 | $38,294,000 | $209,000 | $813,000 | $81,000 | $838,000 |
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 | 7,324 | $1,643,257,000 | $224,000 | $2,908,000 | $132,000 | $8,442,000 |
| Application Denied By Financial Institution | 2,371 | $392,839,000 | $165,000 | $2,600,000 | $77,000 | $3,300,000 |
| File Closed For Incompleteness | 739 | $147,081,000 | $199,000 | $2,555,000 | $121,000 | $2,116,000 |
| Application Withdrawn By Applicant | 498 | $109,350,000 | $219,000 | $3,350,000 | $132,000 | $4,563,000 |
| Application Approved But Not Accepted | 301 | $60,934,000 | $202,000 | $2,560,000 | $125,000 | $1,680,000 |
| Loan Purchased By The Institution | 67 | $5,455,000 | $81,000 | $493,000 | $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 |
|---|---|---|---|---|---|---|
| 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 Company's 2016 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.