First Ciitizens Bank and Trust Mortgage Lending & HMDA Data, 2017

In 2017, First Ciitizens Bank and Trust of Raleigh, NC reported 11,524 mortgage applications totaling $2.5 billion, up 2% from 2016. The average application was for $219,576, and applicants reported an average income of $122,190. 63% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Charlotte-Concord-Gastonia, NC-SC (1,178), Columbia, SC (892) and Charleston-North Charleston, SC (860) (applications in parentheses).

Mortgage Company & Address First Ciitizens Bank and Trust
4300 Six Forks Road Fcc 21
Raleigh, NC 27603
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  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 $219,576
Highest Mortgage Loan Application Amount $29,000,000
Average Applicant Income $122,190
Highest Applicant Income $5,335,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Ciitizens Bank and Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for First Ciitizens Bank and Trust by County in 2017

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Wake, North Carolina 561 $ 180,476,000 $ 321,704 $ 187,000
Mecklenburg, North Carolina 543 $ 118,021,000 $ 217,349 $ 117,000
Charleston, South Carolina 512 $ 165,987,000 $ 324,193 $ 157,000
Richland, South Carolina 462 $ 83,748,000 $ 181,272 $ 103,000
Greenville, South Carolina 321 $ 76,737,000 $ 239,056 $ 130,000
Spartanburg, South Carolina 277 $ 41,390,000 $ 149,422 $ 90,000
Lexington, South Carolina 263 $ 52,802,000 $ 200,768 $ 105,000
Guilford, North Carolina 262 $ 57,551,000 $ 219,660 $ 135,000
Horry, South Carolina 215 $ 42,572,000 $ 198,009 $ 115,000
Berkeley, South Carolina 192 $ 37,997,000 $ 197,901 $ 82,000
Durham, North Carolina 188 $ 52,345,000 $ 278,430 $ 159,000
Buncombe, North Carolina 187 $ 65,384,000 $ 349,647 $ 184,000
Cumberland, North Carolina 186 $ 22,728,000 $ 122,193 $ 90,000
Forsyth, North Carolina 182 $ 33,393,000 $ 183,478 $ 108,000
New Hanover, North Carolina 181 $ 57,831,000 $ 319,508 $ 204,000
Anderson, South Carolina 172 $ 26,445,000 $ 153,750 $ 92,000
Henderson, North Carolina 171 $ 39,983,000 $ 233,818 $ 112,000
Dorchester, South Carolina 156 $ 30,080,000 $ 192,820 $ 76,000
Florence, South Carolina 156 $ 23,815,000 $ 152,660 $ 90,000
York, South Carolina 156 $ 28,537,000 $ 182,929 $ 90,000
Darlington, South Carolina 154 $ 22,792,000 $ 148,000 $ 78,000
Craven, North Carolina 151 $ 33,106,000 $ 219,245 $ 113,000
Johnston, North Carolina 148 $ 22,872,000 $ 154,540 $ 69,000
Brunswick, North Carolina 126 $ 39,086,000 $ 310,206 $ 199,000
Union, North Carolina 124 $ 32,751,000 $ 264,120 $ 142,000
Carteret, North Carolina 123 $ 31,641,000 $ 257,243 $ 151,000
Aiken, South Carolina 123 $ 19,712,000 $ 160,260 $ 87,000
Pickens, South Carolina 116 $ 18,703,000 $ 161,232 $ 112,000
Sumter, South Carolina 107 $ 13,135,000 $ 122,757 $ 83,000
Pitt, North Carolina 106 $ 16,962,000 $ 160,018 $ 114,000
Catawba, North Carolina 104 $ 20,554,000 $ 197,634 $ 140,000
Lancaster, South Carolina 95 $ 15,707,000 $ 165,336 $ 126,000
Georgetown, South Carolina 93 $ 28,326,000 $ 304,580 $ 209,000
Orangeburg, South Carolina 92 $ 11,311,000 $ 122,945 $ 127,000
Moore, North Carolina 90 $ 31,307,000 $ 347,855 $ 226,000
Greenwood, South Carolina 90 $ 15,599,000 $ 173,322 $ 85,000
Caldwell, North Carolina 89 $ 13,899,000 $ 156,168 $ 79,000
Orange, North Carolina 85 $ 37,021,000 $ 435,541 $ 210,000
Kershaw, South Carolina 85 $ 14,453,000 $ 170,035 $ 88,000
Chesterfield, South Carolina 80 $ 8,179,000 $ 102,237 $ 88,000
Oconee, South Carolina 76 $ 15,248,000 $ 200,631 $ 181,000
Pender, North Carolina 70 $ 15,510,000 $ 221,571 $ 161,000
Transylvania, North Carolina 70 $ 12,887,000 $ 184,100 $ 113,000
Cabarrus, North Carolina 66 $ 14,337,000 $ 217,227 $ 94,000
Dillon, South Carolina 63 $ 6,057,000 $ 96,142 $ 65,000
Onslow, North Carolina 62 $ 10,249,000 $ 165,306 $ 94,000
Wayne, North Carolina 58 $ 6,546,000 $ 112,862 $ 67,000
Beaufort, South Carolina 58 $ 22,516,000 $ 388,206 $ 195,000
Pittsylvania, Virginia 58 $ 8,882,000 $ 153,137 $ 73,000
Roanoke, Virginia 58 $ 9,921,000 $ 171,051 $ 85,000
Chester, South Carolina 56 $ 7,202,000 $ 128,607 $ 80,000
Madison, Georgia 55 $ 6,167,000 $ 112,127 $ 64,000
Marlboro, South Carolina 55 $ 3,516,000 $ 63,927 $ 48,000
Burke, North Carolina 54 $ 6,131,000 $ 113,537 $ 93,000
Iredell, North Carolina 54 $ 14,151,000 $ 262,055 $ 177,000
Roanoke City, Virginia 54 $ 9,496,000 $ 175,851 $ 108,000
Watauga, North Carolina 53 $ 19,245,000 $ 363,113 $ 219,000
Franklin, North Carolina 51 $ 7,269,000 $ 142,529 $ 65,000
Jackson, North Carolina 49 $ 9,373,000 $ 191,285 $ 122,000
Hart, Georgia 48 $ 8,715,000 $ 181,562 $ 77,000
Danville, Virginia 48 $ 4,290,000 $ 89,375 $ 43,000
Chatham, North Carolina 47 $ 16,566,000 $ 352,468 $ 177,000
Harnett, North Carolina 46 $ 6,810,000 $ 148,043 $ 79,000
Rockingham, North Carolina 46 $ 5,067,000 $ 110,152 $ 66,000
Randolph, North Carolina 42 $ 5,963,000 $ 141,976 $ 81,000
Rutherford, North Carolina 42 $ 8,633,000 $ 205,547 $ 125,000
Davidson, North Carolina 40 $ 7,867,000 $ 196,675 $ 103,000
Haywood, North Carolina 40 $ 7,142,000 $ 178,550 $ 94,000
Wilson, North Carolina 40 $ 5,842,000 $ 146,050 $ 67,000
Macon, North Carolina 39 $ 7,590,000 $ 194,615 $ 100,000
Bedford, Virginia 39 $ 8,652,000 $ 221,846 $ 115,000
Lincoln, North Carolina 38 $ 7,399,000 $ 194,710 $ 127,000
Marion, South Carolina 38 $ 4,001,000 $ 105,289 $ 58,000
Saluda, South Carolina 37 $ 3,307,000 $ 89,378 $ 64,000
Chatham, Georgia 36 $ 10,140,000 $ 281,666 $ 139,000
Fulton, Georgia 36 $ 18,827,000 $ 522,972 $ 165,000
Stephens, Georgia 36 $ 3,908,000 $ 108,555 $ 56,000
Polk, North Carolina 36 $ 7,332,000 $ 203,666 $ 109,000
Surry, North Carolina 36 $ 4,806,000 $ 133,500 $ 66,000
Clarendon, South Carolina 36 $ 6,216,000 $ 172,666 $ 96,000
Stokes, North Carolina 33 $ 4,073,000 $ 123,424 $ 49,000
Franklin, Georgia 31 $ 4,703,000 $ 151,709 $ 134,000
Cherokee, North Carolina 31 $ 3,369,000 $ 108,677 $ 49,000
Sampson, North Carolina 31 $ 3,474,000 $ 112,064 $ 91,000
Beaufort, North Carolina 30 $ 5,862,000 $ 195,400 $ 126,000
Lee, North Carolina 30 $ 3,710,000 $ 123,666 $ 83,000
Fairfield, South Carolina 30 $ 5,027,000 $ 167,566 $ 132,000
Ashe, North Carolina 29 $ 4,587,000 $ 158,172 $ 104,000
Abbeville, South Carolina 29 $ 2,977,000 $ 102,655 $ 95,000
McCormick, South Carolina 29 $ 5,245,000 $ 180,862 $ 82,000
Gaston, North Carolina 28 $ 4,723,000 $ 168,678 $ 75,000
Newberry, South Carolina 28 $ 3,483,000 $ 124,392 $ 79,000
Greenbrier, West Virginia 28 $ 2,371,000 $ 84,678 $ 49,000
Edgefield, South Carolina 27 $ 4,058,000 $ 150,296 $ 76,000
McDowell, North Carolina 26 $ 5,277,000 $ 202,961 $ 84,000
Swain, North Carolina 26 $ 3,426,000 $ 131,769 $ 85,000
Mecklenburg, Virginia 26 $ 3,457,000 $ 132,961 $ 79,000
Lenoir, North Carolina 25 $ 2,455,000 $ 98,200 $ 79,000
Laurens, South Carolina 25 $ 3,206,000 $ 128,240 $ 160,000
Williamsburg, South Carolina 24 $ 2,555,000 $ 106,458 $ 91,000
Maricopa, Arizona 22 $ 12,475,000 $ 567,045 $ 205,000
Graham, North Carolina 22 $ 3,423,000 $ 155,590 $ 77,000
Pamlico, North Carolina 22 $ 4,946,000 $ 224,818 $ 87,000
Pocahontas, West Virginia 22 $ 2,589,000 $ 117,681 $ 104,000
Palm Beach, Florida 21 $ 10,459,000 $ 498,047 $ 129,000
Alamance, North Carolina 21 $ 4,119,000 $ 196,142 $ 102,000
Avery, North Carolina 20 $ 6,084,000 $ 304,200 $ 320,000
Stanly, North Carolina 20 $ 4,106,000 $ 205,300 $ 98,000
Gwinnett, Georgia 19 $ 3,409,000 $ 179,421 $ 194,000
Richmond, Georgia 19 $ 4,024,000 $ 211,789 $ 83,000
Halifax, North Carolina 19 $ 2,838,000 $ 149,368 $ 130,000
Wilkes, North Carolina 19 $ 2,933,000 $ 154,368 $ 56,000
Albemarle, Virginia 19 $ 6,800,000 $ 357,894 $ 234,000
Columbia, Georgia 18 $ 4,072,000 $ 226,222 $ 141,000
Rowan, North Carolina 18 $ 2,777,000 $ 154,277 $ 84,000
Botetourt, Virginia 18 $ 3,140,000 $ 174,444 $ 74,000
Montgomery, Virginia 18 $ 3,298,000 $ 183,222 $ 109,000
Columbus, North Carolina 17 $ 2,344,000 $ 137,882 $ 84,000
DeKalb, Georgia 16 $ 4,300,000 $ 268,750 $ 90,000
Colleton, South Carolina 16 $ 4,125,000 $ 257,812 $ 164,000
Lee, South Carolina 16 $ 1,393,000 $ 87,062 $ 48,000
Brunswick, Virginia 16 $ 2,535,000 $ 158,437 $ 92,000
Lynchburg, Virginia 16 $ 2,450,000 $ 153,125 $ 116,000
Los Angeles, California 15 $ 10,489,000 $ 699,266 $ 204,000
Cobb, Georgia 15 $ 3,827,000 $ 255,133 $ 192,000
Bladen, North Carolina 15 $ 2,405,000 $ 160,333 $ 85,000
Madison, North Carolina 15 $ 3,211,000 $ 214,066 $ 92,000
Barnwell, South Carolina 15 $ 1,694,000 $ 112,933 $ 52,000
Calhoun, South Carolina 15 $ 2,492,000 $ 166,133 $ 71,000
Greensville, Virginia 15 $ 1,327,000 $ 88,466 $ 58,000
Rockingham, Virginia 15 $ 4,793,000 $ 319,533 $ 91,000
Clarke, Georgia 14 $ 1,439,000 $ 102,785 $ 122,000
Alexander, North Carolina 13 $ 2,183,000 $ 167,923 $ 66,000
Granville, North Carolina 13 $ 2,513,000 $ 193,307 $ 89,000
Robeson, North Carolina 13 $ 1,084,000 $ 83,384 $ 75,000
Cherokee, South Carolina 13 $ 1,084,000 $ 83,384 $ 53,000
Duval, Florida 12 $ 4,002,000 $ 333,500 $ 183,000
Oglethorpe, Georgia 12 $ 1,399,000 $ 116,583 $ 96,000
Duplin, North Carolina 12 $ 1,337,000 $ 111,416 $ 59,000
Pasquotank, North Carolina 12 $ 1,709,000 $ 142,416 $ 77,000
Warren, North Carolina 12 $ 2,135,000 $ 177,916 $ 148,000
Chesterfield, Virginia 12 $ 2,619,000 $ 218,250 $ 86,000
Cleveland, North Carolina 11 $ 945,000 $ 85,909 $ 42,000
Dare, North Carolina 11 $ 3,092,000 $ 281,090 $ 223,000
Greene, North Carolina 11 $ 935,000 $ 85,000 $ 62,000
Montgomery, North Carolina 11 $ 2,383,000 $ 216,636 $ 130,000
Davidson, Tennessee 11 $ 3,298,000 $ 299,818 $ 191,000
Charlottesville, Virginia 11 $ 2,928,000 $ 266,181 $ 268,000
McDuffie, Georgia 10 $ 1,365,000 $ 136,500 $ 102,000
Davie, North Carolina 10 $ 2,632,000 $ 263,200 $ 178,000
Henrico, Virginia 10 $ 2,798,000 $ 279,800 $ 111,000
Richmond City, Virginia 10 $ 3,169,000 $ 316,900 $ 121,000
Salem, Virginia 10 $ 1,836,000 $ 183,600 $ 142,000
Broward, Florida 9 $ 5,998,000 $ 666,444 $ 592,000
Clay, North Carolina 9 $ 1,007,000 $ 111,888 $ 91,000
Nash, North Carolina 9 $ 1,504,000 $ 167,111 $ 88,000
Yancey, North Carolina 9 $ 1,372,000 $ 152,444 $ 108,000
Union, South Carolina 9 $ 841,000 $ 93,444 $ 61,000
Hamilton, Tennessee 9 $ 5,769,000 $ 641,000 $ 193,000
Franklin, Virginia 9 $ 3,852,000 $ 428,000 $ 281,000
Forsyth, Georgia 8 $ 2,474,000 $ 309,250 $ 160,000
Yadkin, North Carolina 8 $ 1,328,000 $ 166,000 $ 142,000
Oklahoma, Oklahoma 8 $ 799,000 $ 99,875 $ 82,000
Floyd, Virginia 8 $ 1,030,000 $ 128,750 $ 107,000
King, Washington 8 $ 6,228,000 $ 778,500 $ 249,000
Riverside, California 7 $ 4,102,000 $ 586,000 $ 280,000
Denver, Colorado 7 $ 6,395,000 $ 913,571 $ 422,000
Miami-Dade, Florida 7 $ 2,679,000 $ 382,714 $ 165,000
Jones, North Carolina 7 $ 1,666,000 $ 238,000 $ 135,000
Martin, North Carolina 7 $ 419,000 $ 59,857 $ 54,000
Knox, Tennessee 7 $ 5,621,000 $ 803,000 $ 521,000
Sevier, Tennessee 7 $ 1,767,000 $ 252,428 $ 272,000
Travis, Texas 7 $ 4,516,000 $ 645,142 $ 272,000
Augusta, Virginia 7 $ 1,310,000 $ 187,142 $ 209,000
Pulaski, Virginia 7 $ 659,000 $ 94,142 $ 120,000
Cherokee, Georgia 6 $ 3,275,000 $ 545,833 $ 183,000
Alleghany, Virginia 6 $ 469,000 $ 78,166 $ 53,000
San Diego, California 5 $ 1,996,000 $ 399,200 $ 79,000
Martin, Florida 5 $ 1,183,000 $ 236,600 $ 80,000
Elbert, Georgia 5 $ 892,000 $ 178,400 $ 54,000
Prince George's, Maryland 5 $ 1,451,000 $ 290,200 $ 156,000
Bernalillo, New Mexico 5 $ 2,468,000 $ 493,600 $ 330,000
Currituck, North Carolina 5 $ 1,457,000 $ 291,400 $ 44,000
Hoke, North Carolina 5 $ 474,000 $ 94,800 $ 29,000
Vance, North Carolina 5 $ 694,000 $ 138,800 $ 75,000
Harris, Texas 5 $ 1,461,000 $ 292,200 $ 217,000
Carroll, Virginia 5 $ 224,000 $ 44,800 $ 17,000
Emporia, Virginia 5 $ 368,000 $ 73,600 $ 72,000
Fairfax, Virginia 5 $ 3,111,000 $ 622,200 $ 346,000
Galax, Virginia 5 $ 442,000 $ 88,400 $ 72,000
Loudoun, Virginia 5 $ 1,460,000 $ 292,000 $ 188,000
Staunton, Virginia 5 $ 757,000 $ 151,400 $ 103,000
District of Columbia, District Of Columbia 4 $ 633,000 $ 158,250 $ 144,000
Hillsborough, Florida 4 $ 807,000 $ 201,750 $ 86,000
Lee, Florida 4 $ 224,000 $ 56,000 $ 69,000
Okeechobee, Florida 4 $ 280,000 $ 70,000 $ 97,000
St. Johns, Florida 4 $ 1,110,000 $ 277,500 $ 297,000
Barrow, Georgia 4 $ 583,000 $ 145,750 $ 42,000
Jackson, Georgia 4 $ 504,000 $ 126,000 $ 58,000
Jackson, Missouri 4 $ 706,000 $ 176,500 $ 1,000
Edgecombe, North Carolina 4 $ 897,000 $ 224,250 $ 91,000
Northampton, North Carolina 4 $ 1,072,000 $ 268,000 $ 170,000
Perquimans, North Carolina 4 $ 727,000 $ 181,750 $ 68,000
Bamberg, South Carolina 4 $ 477,000 $ 119,250 $ 64,000
Carter, Tennessee 4 $ 1,130,000 $ 282,500 $ 116,000
Johnson, Tennessee 4 $ 231,000 $ 57,750 $ 46,000
Campbell, Virginia 4 $ 710,000 $ 177,500 $ 73,000
Halifax, Virginia 4 $ 489,000 $ 122,250 $ 42,000
Hanover, Virginia 4 $ 999,000 $ 249,750 $ 75,000
Henry, Virginia 4 $ 624,000 $ 156,000 $ 30,000
Nottoway, Virginia 4 $ 402,000 $ 100,500 $ 63,000
Spotsylvania, Virginia 4 $ 1,339,000 $ 334,750 $ 650,000
Orange, California 3 $ 2,392,000 $ 797,333 $ 241,000
Placer, California 3 $ 1,879,000 $ 626,333 $ 178,000
Douglas, Colorado 3 $ 1,681,000 $ 560,333 $ 271,000
San Miguel, Colorado 3 $ 2,635,000 $ 878,333 $ 0
Orange, Florida 3 $ 743,000 $ 247,666 $ 138,000
Pinellas, Florida 3 $ 1,094,000 $ 364,666 $ 199,000
Walton, Florida 3 $ 1,229,000 $ 409,666 $ 158,000
Floyd, Georgia 3 $ 418,000 $ 139,333 $ 72,000
Glynn, Georgia 3 $ 707,000 $ 235,666 $ 127,000
Hall, Georgia 3 $ 1,714,000 $ 571,333 $ 236,000
Lincoln, Georgia 3 $ 382,000 $ 127,333 $ 97,000
Pickens, Georgia 3 $ 409,000 $ 136,333 $ 409,000
Rabun, Georgia 3 $ 272,000 $ 90,666 $ 41,000
Walton, Georgia 3 $ 480,000 $ 160,000 $ 55,000
Anne Arundel, Maryland 3 $ 1,145,000 $ 381,666 $ 182,000
Montgomery, Maryland 3 $ 740,000 $ 246,666 $ 374,000
Hennepin, Minnesota 3 $ 2,268,000 $ 756,000 $ 361,000
Alleghany, North Carolina 3 $ 574,000 $ 191,333 $ 156,000
Caswell, North Carolina 3 $ 488,000 $ 162,666 $ 84,000
Gates, North Carolina 3 $ 216,000 $ 72,000 $ 21,000
Scotland, North Carolina 3 $ 250,000 $ 83,333 $ 63,000
Tioga, Pennsylvania 3 $ 194,000 $ 64,666 $ 47,000
Jasper, South Carolina 3 $ 429,000 $ 143,000 $ 175,000
Tarrant, Texas 3 $ 2,078,000 $ 692,666 $ 89,000
Williamson, Texas 3 $ 708,000 $ 236,000 $ 74,000
Harrisonburg, Virginia 3 $ 610,000 $ 203,333 $ 245,000
James City, Virginia 3 $ 551,000 $ 183,666 $ 449,000
Lunenburg, Virginia 3 $ 394,000 $ 131,333 $ 52,000
Pima, Arizona 2 $ 1,252,000 $ 626,000 $ 282,000
Sacramento, California 2 $ 220,000 $ 110,000 $ 23,000
Ventura, California 2 $ 1,100,000 $ 550,000 $ 0
Summit, Colorado 2 $ 3,350,000 $ 1,675,000 $ 235,000
Weld, Colorado 2 $ 1,263,000 $ 631,500 $ 259,000
Brevard, Florida 2 $ 316,000 $ 158,000 $ 262,000
Collier, Florida 2 $ 1,190,000 $ 595,000 $ 429,000
Hernando, Florida 2 $ 130,000 $ 65,000 $ 52,000
Manatee, Florida 2 $ 591,000 $ 295,500 $ 359,000
Marion, Florida 2 $ 106,000 $ 53,000 $ 38,000
Nassau, Florida 2 $ 387,000 $ 193,500 $ 79,000
Sarasota, Florida 2 $ 846,000 $ 423,000 $ 513,000
Sumter, Florida 2 $ 275,000 $ 137,500 $ 233,000
Volusia, Florida 2 $ 330,000 $ 165,000 $ 79,000
Carroll, Georgia 2 $ 299,000 $ 149,500 $ 241,000
Colquitt, Georgia 2 $ 252,000 $ 126,000 $ 62,000
Douglas, Georgia 2 $ 290,000 $ 145,000 $ 79,000
Liberty, Georgia 2 $ 334,000 $ 167,000 $ 39,000
Lumpkin, Georgia 2 $ 135,000 $ 67,500 $ 24,000
Rockdale, Georgia 2 $ 458,000 $ 229,000 $ 82,000
Towns, Georgia 2 $ 101,000 $ 50,500 $ 71,000
Union, Georgia 2 $ 196,000 $ 98,000 $ 57,000
Wilkes, Georgia 2 $ 185,000 $ 92,500 $ 34,000
Hamilton, Indiana 2 $ 977,000 $ 488,500 $ 132,000
Ramsey, Minnesota 2 $ 1,038,000 $ 519,000 $ 286,000
Washington, Minnesota 2 $ 1,149,000 $ 574,500 $ 149,000
Camden, Missouri 2 $ 741,000 $ 370,500 $ 290,000
Anson, North Carolina 2 $ 291,000 $ 145,500 $ 44,000
Hyde, North Carolina 2 $ 459,000 $ 229,500 $ 0
Person, North Carolina 2 $ 388,000 $ 194,000 $ 220,000
Canadian, Oklahoma 2 $ 348,000 $ 174,000 $ 92,000
Clackamas, Oregon 2 $ 1,470,000 $ 735,000 $ 177,000
Multnomah, Oregon 2 $ 544,000 $ 272,000 $ 309,000
Bradford, Pennsylvania 2 $ 125,000 $ 62,500 $ 69,000
Delaware, Pennsylvania 2 $ 693,000 $ 346,500 $ 178,000
Anderson, Tennessee 2 $ 314,000 $ 157,000 $ 87,000
Sullivan, Tennessee 2 $ 464,000 $ 232,000 $ 42,000
Washington, Tennessee 2 $ 697,000 $ 348,500 $ 132,000
Williamson, Tennessee 2 $ 1,768,000 $ 884,000 $ 152,000
Dallas, Texas 2 $ 480,000 $ 240,000 $ 144,000
Fort Bend, Texas 2 $ 731,000 $ 365,500 $ 168,000
Amherst, Virginia 2 $ 116,000 $ 58,000 $ 79,000
Charlotte, Virginia 2 $ 822,000 $ 411,000 $ 138,000
Chesapeake, Virginia 2 $ 778,000 $ 389,000 $ 116,000
Giles, Virginia 2 $ 154,000 $ 77,000 $ 43,000
Goochland, Virginia 2 $ 533,000 $ 266,500 $ 68,000
Grayson, Virginia 2 $ 221,000 $ 110,500 $ 57,000
Louisa, Virginia 2 $ 220,000 $ 110,000 $ 30,000
Page, Virginia 2 $ 510,000 $ 255,000 $ 44,000
Prince Edward, Virginia 2 $ 188,000 $ 94,000 $ 89,000
Prince George, Virginia 2 $ 364,000 $ 182,000 $ 53,000
Southampton, Virginia 2 $ 100,000 $ 50,000 $ 98,000
Suffolk, Virginia 2 $ 29,650,000 $ 14,825,000 $ 150,000
Warren, Virginia 2 $ 163,000 $ 81,500 $ 64,000
Washington, Virginia 2 $ 307,000 $ 153,500 $ 67,000
Waynesboro, Virginia 2 $ 568,000 $ 284,000 $ 9,000
Winchester, Virginia 2 $ 654,000 $ 327,000 $ 175,000
Wythe, Virginia 2 $ 283,000 $ 141,500 $ 82,000
Pierce, Washington 2 $ 568,000 $ 284,000 $ 38,000
Walworth, Wisconsin 2 $ 573,000 $ 286,500 $ 174,000
Waukesha, Wisconsin 2 $ 443,000 $ 221,500 $ 98,000
Madison, Alabama 1 $ 298,000 $ 298,000 $ 354,000
Gila, Arizona 1 $ 1,280,000 $ 1,280,000 $ 780,000
Benton, Arkansas 1 $ 234,000 $ 234,000 $ 0
Kern, California 1 $ 180,000 $ 180,000 $ 0
San Bernardino, California 1 $ 191,000 $ 191,000 $ 0
Santa Clara, California 1 $ 1,593,000 $ 1,593,000 $ 0
Adams, Colorado 1 $ 730,000 $ 730,000 $ 0
Arapahoe, Colorado 1 $ 340,000 $ 340,000 $ 85,000
Chaffee, Colorado 1 $ 563,000 $ 563,000 $ 282,000
Elbert, Colorado 1 $ 1,257,000 $ 1,257,000 $ 0
La Plata, Colorado 1 $ 665,000 $ 665,000 $ 343,000
Mesa, Colorado 1 $ 375,000 $ 375,000 $ 292,000
Park, Colorado 1 $ 350,000 $ 350,000 $ 254,000
Rio Grande, Colorado 1 $ 155,000 $ 155,000 $ 86,000
Fairfield, Connecticut 1 $ 793,000 $ 793,000 $ 210,000
Bay, Florida 1 $ 661,000 $ 661,000 $ 236,000
Citrus, Florida 1 $ 205,000 $ 205,000 $ 470,000
Gulf, Florida 1 $ 648,000 $ 648,000 $ 412,000
Lake, Florida 1 $ 280,000 $ 280,000 $ 450,000
Okaloosa, Florida 1 $ 423,000 $ 423,000 $ 275,000
Bartow, Georgia 1 $ 97,000 $ 97,000 $ 134,000
Bibb, Georgia 1 $ 365,000 $ 365,000 $ 305,000
Camden, Georgia 1 $ 142,000 $ 142,000 $ 137,000
Greene, Georgia 1 $ 217,000 $ 217,000 $ 379,000
Jefferson, Georgia 1 $ 778,000 $ 778,000 $ 0
Lee, Georgia 1 $ 187,000 $ 187,000 $ 105,000
Lowndes, Georgia 1 $ 89,000 $ 89,000 $ 31,000
Morgan, Georgia 1 $ 300,000 $ 300,000 $ 127,000
Newton, Georgia 1 $ 170,000 $ 170,000 $ 434,000
Oconee, Georgia 1 $ 344,000 $ 344,000 $ 225,000
Paulding, Georgia 1 $ 137,000 $ 137,000 $ 29,000
Polk, Georgia 1 $ 285,000 $ 285,000 $ 102,000
Tift, Georgia 1 $ 128,000 $ 128,000 $ 136,000
Walker, Georgia 1 $ 80,000 $ 80,000 $ 60,000
Warren, Georgia 1 $ 86,000 $ 86,000 $ 67,000
Wilcox, Georgia 1 $ 550,000 $ 550,000 $ 316,000
Lake, Illinois 1 $ 629,000 $ 629,000 $ 236,000
Dallas, Iowa 1 $ 246,000 $ 246,000 $ 319,000
Johnson, Kansas 1 $ 205,000 $ 205,000 $ 52,000
Baltimore, Maryland 1 $ 23,000 $ 23,000 $ 89,000
Cecil, Maryland 1 $ 250,000 $ 250,000 $ 65,000
Dorchester, Maryland 1 $ 715,000 $ 715,000 $ 228,000
Howard, Maryland 1 $ 188,000 $ 188,000 $ 78,000
Bristol, Massachusetts 1 $ 557,000 $ 557,000 $ 310,000
Suffolk, Massachusetts 1 $ 335,000 $ 335,000 $ 120,000
Anoka, Minnesota 1 $ 513,000 $ 513,000 $ 336,000
Chisago, Minnesota 1 $ 180,000 $ 180,000 $ 50,000
Dakota, Minnesota 1 $ 505,000 $ 505,000 $ 149,000
Sherburne, Minnesota 1 $ 138,000 $ 138,000 $ 56,000
Wright, Minnesota 1 $ 472,000 $ 472,000 $ 137,000
Bolivar, Mississippi 1 $ 120,000 $ 120,000 $ 55,000
St. Charles, Missouri 1 $ 100,000 $ 100,000 $ 60,000
St. Louis City, Missouri 1 $ 90,000 $ 90,000 $ 29,000
New York, New York 1 $ 1,896,000 $ 1,896,000 $ 1,034,000
Camden, North Carolina 1 $ 242,000 $ 242,000 $ 60,000
Chowan, North Carolina 1 $ 346,000 $ 346,000 $ 123,000
Richmond, North Carolina 1 $ 35,000 $ 35,000 $ 103,000
Union, Ohio 1 $ 502,000 $ 502,000 $ 258,000
Tulsa, Oklahoma 1 $ 615,000 $ 615,000 $ 347,000
Lane, Oregon 1 $ 499,000 $ 499,000 $ 325,000
Washington, Oregon 1 $ 110,000 $ 110,000 $ 40,000
Clinton, Pennsylvania 1 $ 213,000 $ 213,000 $ 48,000
Allendale, South Carolina 1 $ 68,000 $ 68,000 $ 37,000
Hampton, South Carolina 1 $ 56,000 $ 56,000 $ 109,000
Blount, Tennessee 1 $ 763,000 $ 763,000 $ 311,000
Bradley, Tennessee 1 $ 686,000 $ 686,000 $ 350,000
Dickson, Tennessee 1 $ 231,000 $ 231,000 $ 164,000
Dyer, Tennessee 1 $ 69,000 $ 69,000 $ 0
Lincoln, Tennessee 1 $ 34,000 $ 34,000 $ 48,000
Loudon, Tennessee 1 $ 515,000 $ 515,000 $ 287,000
Putnam, Tennessee 1 $ 125,000 $ 125,000 $ 76,000
Roane, Tennessee 1 $ 424,000 $ 424,000 $ 865,000
Wilson, Tennessee 1 $ 261,000 $ 261,000 $ 108,000
Bell, Texas 1 $ 75,000 $ 75,000 $ 0
Collin, Texas 1 $ 580,000 $ 580,000 $ 175,000
Coryell, Texas 1 $ 69,000 $ 69,000 $ 143,000
Denton, Texas 1 $ 308,000 $ 308,000 $ 170,000
Hays, Texas 1 $ 64,000 $ 64,000 $ 0
Kaufman, Texas 1 $ 211,000 $ 211,000 $ 72,000
Kendall, Texas 1 $ 456,000 $ 456,000 $ 135,000
Uvalde, Texas 1 $ 34,000 $ 34,000 $ 42,000
Arlington, Virginia 1 $ 437,000 $ 437,000 $ 250,000
Bath, Virginia 1 $ 129,000 $ 129,000 $ 51,000
Covington, Virginia 1 $ 20,000 $ 20,000 $ 53,000
Cumberland, Virginia 1 $ 1,248,000 $ 1,248,000 $ 346,000
Fairfax City, Virginia 1 $ 592,000 $ 592,000 $ 403,000
Fredericksburg, Virginia 1 $ 80,000 $ 80,000 $ 0
Greene, Virginia 1 $ 42,000 $ 42,000 $ 181,000
Isle of Wight, Virginia 1 $ 126,000 $ 126,000 $ 148,000
Middlesex, Virginia 1 $ 546,000 $ 546,000 $ 851,000
Nelson, Virginia 1 $ 244,000 $ 244,000 $ 207,000
Norfolk, Virginia 1 $ 380,000 $ 380,000 $ 258,000
Northumberland, Virginia 1 $ 125,000 $ 125,000 $ 54,000
Patrick, Virginia 1 $ 95,000 $ 95,000 $ 49,000
Powhatan, Virginia 1 $ 414,000 $ 414,000 $ 169,000
Prince William, Virginia 1 $ 381,000 $ 381,000 $ 101,000
Radford, Virginia 1 $ 264,000 $ 264,000 $ 243,000
Shenandoah, Virginia 1 $ 91,000 $ 91,000 $ 107,000
Smyth, Virginia 1 $ 184,000 $ 184,000 $ 57,000
Tazewell, Virginia 1 $ 225,000 $ 225,000 $ 71,000
Virginia Beach, Virginia 1 $ 1,150,000 $ 1,150,000 $ 0
Westmoreland, Virginia 1 $ 132,000 $ 132,000 $ 42,000
Snohomish, Washington 1 $ 538,000 $ 538,000 $ 262,000
Spokane, Washington 1 $ 127,000 $ 127,000 $ 32,000
Thurston, Washington 1 $ 165,000 $ 165,000 $ 50,000
Lewis, West Virginia 1 $ 72,000 $ 72,000 $ 135,000
Monroe, West Virginia 1 $ 300,000 $ 300,000 $ 58,000
Preston, West Virginia 1 $ 37,000 $ 37,000 $ 678,000
Summers, West Virginia 1 $ 223,000 $ 223,000 $ 92,000
Dane, Wisconsin 1 $ 605,000 $ 605,000 $ 265,000
Milwaukee, Wisconsin 1 $ 475,000 $ 475,000 $ 600,000
Outagamie, Wisconsin 1 $ 326,000 $ 326,000 $ 97,000
Ozaukee, Wisconsin 1 $ 392,000 $ 392,000 $ 265,000
Racine, Wisconsin 1 $ 148,000 $ 148,000 $ 25,000

Mortgage Loan Application Detail Totals for First Ciitizens Bank and Trust 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

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Ciitizens Bank and Trust's 2017 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 Ciitizens Bank and Trust'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.
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