First Ciitizens Bank and Trust Mortgage Lending & HMDA Data, 2022

In 2022, First Ciitizens Bank and Trust of Raleigh, NC reported 27,874 mortgage applications totaling $9.3 billion, down 9% from 2021. The average application was for $332,978, and applicants reported an average income of $199,923. 69% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Charlotte-Concord-Gastonia, NC-SC (3,308), Raleigh, NC (2,936) and Charleston-North Charleston, SC (1,565) (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 27,874
Total Mortgage Loan Application Amount $9,281,430,000
Average Mortgage Loan Application Amount $332,978
Highest Mortgage Loan Application Amount $55,005,000
Average Applicant Income $199,923
Highest Applicant Income $9,441,000

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records First Ciitizens Bank and Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022

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 2,394 $ 640,300,000 $ 267,460 $ 218,000
Mecklenburg, North Carolina 1,501 $ 368,225,000 $ 245,319 $ 226,000
Charleston, South Carolina 1,007 $ 435,745,000 $ 432,715 $ 274,000
Los Angeles, California 763 $ 850,045,000 $ 1,114,082 $ 319,000
Richland, South Carolina 642 $ 125,400,000 $ 195,327 $ 165,000
New Hanover, North Carolina 633 $ 170,235,000 $ 268,933 $ 237,000
Lexington, South Carolina 590 $ 114,060,000 $ 193,322 $ 161,000
Buncombe, North Carolina 555 $ 171,895,000 $ 309,720 $ 206,000
Greenville, South Carolina 530 $ 138,640,000 $ 261,584 $ 170,000
Union, North Carolina 490 $ 109,340,000 $ 223,142 $ 181,000
Spartanburg, South Carolina 478 $ 87,090,000 $ 182,196 $ 132,000
Guilford, North Carolina 470 $ 102,870,000 $ 218,872 $ 189,000
Durham, North Carolina 450 $ 114,090,000 $ 253,533 $ 191,000
Horry, South Carolina 436 $ 91,830,000 $ 210,619 $ 149,000
Johnston, North Carolina 416 $ 70,850,000 $ 170,312 $ 121,000
York, South Carolina 375 $ 78,495,000 $ 209,320 $ 172,000
Cumberland, North Carolina 353 $ 52,305,000 $ 148,172 $ 133,000
Henderson, North Carolina 344 $ 84,390,000 $ 245,319 $ 174,000
Brunswick, North Carolina 340 $ 105,970,000 $ 311,676 $ 219,000
Carteret, North Carolina 339 $ 100,555,000 $ 296,622 $ 238,000
Berkeley, South Carolina 317 $ 79,545,000 $ 250,930 $ 176,000
Forsyth, North Carolina 296 $ 54,270,000 $ 183,344 $ 177,000
Craven, North Carolina 258 $ 62,080,000 $ 240,620 $ 174,000
Orange, California 253 $ 283,965,000 $ 1,122,391 $ 326,000
Dorchester, South Carolina 241 $ 41,655,000 $ 172,842 $ 150,000
Beaufort, South Carolina 239 $ 87,565,000 $ 366,380 $ 267,000
Catawba, North Carolina 235 $ 56,335,000 $ 239,723 $ 175,000
Anderson, South Carolina 230 $ 48,150,000 $ 209,347 $ 137,000
Orange, North Carolina 226 $ 89,060,000 $ 394,070 $ 267,000
San Diego, California 223 $ 233,595,000 $ 1,047,511 $ 314,000
Moore, North Carolina 220 $ 80,280,000 $ 364,909 $ 258,000
Iredell, North Carolina 217 $ 63,135,000 $ 290,944 $ 203,000
Onslow, North Carolina 216 $ 46,600,000 $ 215,740 $ 176,000
Burke, North Carolina 210 $ 36,380,000 $ 173,238 $ 157,000
Pitt, North Carolina 200 $ 42,830,000 $ 214,150 $ 197,000
Chatham, North Carolina 188 $ 60,030,000 $ 319,308 $ 220,000
Cabarrus, North Carolina 187 $ 36,305,000 $ 194,144 $ 152,000
Caldwell, North Carolina 187 $ 29,595,000 $ 158,262 $ 114,000
Pender, North Carolina 178 $ 46,640,000 $ 262,022 $ 206,000
Lancaster, South Carolina 166 $ 33,480,000 $ 201,686 $ 147,000
Aiken, South Carolina 164 $ 32,820,000 $ 200,121 $ 136,000
Lincoln, North Carolina 156 $ 34,700,000 $ 222,435 $ 144,000
Florence, South Carolina 154 $ 22,090,000 $ 143,441 $ 118,000
Pickens, South Carolina 147 $ 42,765,000 $ 290,918 $ 162,000
Georgetown, South Carolina 134 $ 44,530,000 $ 332,313 $ 184,000
Darlington, South Carolina 133 $ 15,925,000 $ 119,736 $ 92,000
Transylvania, North Carolina 127 $ 32,425,000 $ 255,314 $ 170,000
King, Washington 127 $ 182,625,000 $ 1,437,992 $ 339,000
Franklin, North Carolina 126 $ 26,570,000 $ 210,873 $ 113,000
Macon, North Carolina 125 $ 30,415,000 $ 243,320 $ 207,000
Roanoke, Virginia 125 $ 24,775,000 $ 198,200 $ 166,000
Maricopa, Arizona 111 $ 199,585,000 $ 1,798,063 $ 331,000
Harnett, North Carolina 106 $ 17,710,000 $ 167,075 $ 125,000
Kershaw, South Carolina 104 $ 19,980,000 $ 192,115 $ 112,000
Orangeburg, South Carolina 104 $ 17,450,000 $ 167,788 $ 94,000
Watauga, North Carolina 102 $ 38,660,000 $ 379,019 $ 261,000
Greenwood, South Carolina 102 $ 22,020,000 $ 215,882 $ 154,000
Riverside, California 100 $ 64,020,000 $ 640,200 $ 261,000
Gaston, North Carolina 99 $ 19,775,000 $ 199,747 $ 163,000
Miami-Dade, Florida 98 $ 72,200,000 $ 736,734 $ 391,000
Wayne, North Carolina 96 $ 14,440,000 $ 150,416 $ 168,000
Jackson, North Carolina 95 $ 41,005,000 $ 431,631 $ 242,000
Haywood, North Carolina 94 $ 18,790,000 $ 199,893 $ 142,000
Milwaukee, Wisconsin 94 $ 15,680,000 $ 166,808 $ 111,000
Fulton, Georgia 89 $ 50,545,000 $ 567,921 $ 299,000
Bedford, Virginia 86 $ 16,100,000 $ 187,209 $ 150,000
Albemarle, Virginia 83 $ 24,395,000 $ 293,915 $ 245,000
Chesterfield, Virginia 83 $ 16,335,000 $ 196,807 $ 198,000
Polk, North Carolina 81 $ 19,985,000 $ 246,728 $ 123,000
Oconee, South Carolina 81 $ 27,945,000 $ 345,000 $ 230,000
Stokes, North Carolina 79 $ 8,405,000 $ 106,392 $ 89,000
Lee, North Carolina 77 $ 10,855,000 $ 140,974 $ 127,000
Chesterfield, South Carolina 76 $ 9,440,000 $ 124,210 $ 81,000
Lenoir, North Carolina 75 $ 9,225,000 $ 123,000 $ 103,000
Nash, North Carolina 75 $ 12,325,000 $ 164,333 $ 130,000
Sumter, South Carolina 75 $ 11,065,000 $ 147,533 $ 115,000
Chatham, Georgia 71 $ 20,785,000 $ 292,746 $ 182,000
San Bernardino, California 70 $ 41,120,000 $ 587,428 $ 220,000
Roanoke City, Virginia 69 $ 11,215,000 $ 162,536 $ 146,000
Ventura, California 68 $ 64,620,000 $ 950,294 $ 337,000
Richmond, Georgia 68 $ 20,350,000 $ 299,264 $ 205,000
Sampson, North Carolina 68 $ 8,960,000 $ 131,764 $ 117,000
Columbia, Georgia 66 $ 14,390,000 $ 218,030 $ 200,000
Henrico, Virginia 66 $ 17,490,000 $ 265,000 $ 224,000
Beaufort, North Carolina 65 $ 12,405,000 $ 190,846 $ 181,000
Rutherford, North Carolina 64 $ 15,310,000 $ 239,218 $ 140,000
Gwinnett, Georgia 63 $ 17,135,000 $ 271,984 $ 236,000
Stanly, North Carolina 62 $ 10,040,000 $ 161,935 $ 107,000
Madison, Georgia 61 $ 8,805,000 $ 144,344 $ 95,000
Chester, South Carolina 61 $ 9,865,000 $ 161,721 $ 93,000
Palm Beach, Florida 59 $ 29,745,000 $ 504,152 $ 265,000
Davidson, North Carolina 59 $ 14,555,000 $ 246,694 $ 274,000
Montgomery, Virginia 59 $ 10,335,000 $ 175,169 $ 236,000
Dillon, South Carolina 58 $ 6,080,000 $ 104,827 $ 93,000
Fairfield, South Carolina 58 $ 12,090,000 $ 208,448 $ 137,000
Broward, Florida 57 $ 27,845,000 $ 488,508 $ 313,000
Clark, Nevada 57 $ 54,655,000 $ 958,859 $ 212,000
Hart, Georgia 56 $ 10,000,000 $ 178,571 $ 94,000
Newberry, South Carolina 56 $ 10,130,000 $ 180,892 $ 116,000
Fairfax, Virginia 56 $ 29,580,000 $ 528,214 $ 272,000
Cherokee, North Carolina 55 $ 8,585,000 $ 156,090 $ 106,000
Greenbrier, West Virginia 55 $ 9,305,000 $ 169,181 $ 148,000
Rockingham, North Carolina 54 $ 5,810,000 $ 107,592 $ 106,000
Wilson, North Carolina 54 $ 10,490,000 $ 194,259 $ 143,000
Pittsylvania, Virginia 54 $ 7,050,000 $ 130,555 $ 113,000
McDowell, North Carolina 53 $ 9,325,000 $ 175,943 $ 135,000
Pamlico, North Carolina 53 $ 15,565,000 $ 293,679 $ 163,000
Cobb, Georgia 52 $ 13,600,000 $ 261,538 $ 204,000
Franklin, Georgia 52 $ 8,750,000 $ 168,269 $ 95,000
McCormick, South Carolina 49 $ 8,675,000 $ 177,040 $ 147,000
Alexander, North Carolina 48 $ 5,860,000 $ 122,083 $ 114,000
Rowan, North Carolina 48 $ 10,550,000 $ 219,791 $ 141,000
Alamance, North Carolina 47 $ 9,235,000 $ 196,489 $ 104,000
Stephens, Georgia 46 $ 7,210,000 $ 156,739 $ 101,000
Surry, North Carolina 46 $ 6,580,000 $ 143,043 $ 97,000
Edgefield, South Carolina 46 $ 8,690,000 $ 188,913 $ 108,000
Laurens, South Carolina 45 $ 9,085,000 $ 201,888 $ 153,000
Saluda, South Carolina 45 $ 6,915,000 $ 153,666 $ 97,000
Abbeville, South Carolina 44 $ 6,260,000 $ 142,272 $ 136,000
Mecklenburg, Virginia 44 $ 7,140,000 $ 162,272 $ 118,000
Swain, North Carolina 42 $ 10,610,000 $ 252,619 $ 137,000
Franklin, Virginia 42 $ 15,070,000 $ 358,809 $ 287,000
Granville, North Carolina 41 $ 9,635,000 $ 235,000 $ 147,000
McDuffie, Georgia 40 $ 5,170,000 $ 129,250 $ 90,000
Wilkes, North Carolina 40 $ 8,820,000 $ 220,500 $ 197,000
Lynchburg, Virginia 40 $ 7,360,000 $ 184,000 $ 170,000
Alameda, California 39 $ 56,445,000 $ 1,447,307 $ 270,000
Avery, North Carolina 39 $ 21,225,000 $ 544,230 $ 343,000
Columbus, North Carolina 39 $ 4,475,000 $ 114,743 $ 91,000
Ashe, North Carolina 38 $ 5,850,000 $ 153,947 $ 118,000
Randolph, North Carolina 38 $ 5,780,000 $ 152,105 $ 125,000
Duval, Florida 36 $ 10,690,000 $ 296,944 $ 220,000
Pinellas, Florida 36 $ 8,280,000 $ 230,000 $ 173,000
Bladen, North Carolina 36 $ 5,000,000 $ 138,888 $ 119,000
Danville, Virginia 36 $ 3,940,000 $ 109,444 $ 74,000
Hanover, Virginia 36 $ 8,800,000 $ 244,444 $ 270,000
Santa Clara, California 35 $ 38,135,000 $ 1,089,571 $ 307,000
Halifax, North Carolina 35 $ 5,865,000 $ 167,571 $ 104,000
Loudoun, Virginia 35 $ 14,015,000 $ 400,428 $ 220,000
Waukesha, Wisconsin 35 $ 11,475,000 $ 327,857 $ 317,000
Sacramento, California 34 $ 34,490,000 $ 1,014,411 $ 302,000
Hillsborough, Florida 34 $ 20,490,000 $ 602,647 $ 306,000
St. Johns, Florida 34 $ 16,800,000 $ 494,117 $ 393,000
Collier, Florida 32 $ 19,580,000 $ 611,875 $ 269,000
Warren, North Carolina 32 $ 7,590,000 $ 237,187 $ 344,000
Knox, Tennessee 32 $ 13,490,000 $ 421,562 $ 284,000
Travis, Texas 32 $ 20,610,000 $ 644,062 $ 394,000
Contra Costa, California 31 $ 43,105,000 $ 1,390,483 $ 324,000
DeKalb, Georgia 31 $ 14,405,000 $ 464,677 $ 269,000
Marlboro, South Carolina 31 $ 3,235,000 $ 104,354 $ 82,000
Augusta, Virginia 31 $ 7,415,000 $ 239,193 $ 178,000
Richmond City, Virginia 31 $ 5,865,000 $ 189,193 $ 168,000
Lee, Florida 30 $ 9,890,000 $ 329,666 $ 218,000
Greene, North Carolina 30 $ 3,740,000 $ 124,666 $ 96,000
Madison, North Carolina 30 $ 6,850,000 $ 228,333 $ 98,000
Harris, Texas 30 $ 21,160,000 $ 705,333 $ 272,000
Botetourt, Virginia 30 $ 3,850,000 $ 128,333 $ 128,000
Placer, California 29 $ 20,595,000 $ 710,172 $ 292,000
Santa Barbara, California 29 $ 34,335,000 $ 1,183,965 $ 280,000
Rockingham, Virginia 29 $ 4,845,000 $ 167,068 $ 112,000
Snohomish, Washington 29 $ 25,855,000 $ 891,551 $ 381,000
Cherokee, Georgia 28 $ 8,680,000 $ 310,000 $ 194,000
Davie, North Carolina 28 $ 5,350,000 $ 191,071 $ 164,000
Duplin, North Carolina 28 $ 3,560,000 $ 127,142 $ 121,000
Denver, Colorado 27 $ 19,865,000 $ 735,740 $ 257,000
Marion, South Carolina 27 $ 2,835,000 $ 105,000 $ 74,000
Douglas, Colorado 26 $ 15,940,000 $ 613,076 $ 282,000
Orange, Florida 26 $ 43,650,000 $ 1,678,846 $ 209,000
Clarendon, South Carolina 26 $ 4,770,000 $ 183,461 $ 125,000
Campbell, Virginia 26 $ 4,200,000 $ 161,538 $ 136,000
Pocahontas, West Virginia 26 $ 2,190,000 $ 84,230 $ 90,000
Williamsburg, South Carolina 25 $ 3,395,000 $ 135,800 $ 81,000
Pierce, Washington 25 $ 17,015,000 $ 680,600 $ 534,000
Vance, North Carolina 23 $ 4,315,000 $ 187,608 $ 165,000
Denton, Texas 23 $ 16,095,000 $ 699,782 $ 262,000
Williamson, Texas 23 $ 9,905,000 $ 430,652 $ 203,000
Forsyth, Georgia 22 $ 12,120,000 $ 550,909 $ 298,000
Clay, North Carolina 22 $ 2,740,000 $ 124,545 $ 73,000
Hoke, North Carolina 22 $ 3,000,000 $ 136,363 $ 141,000
Yancey, North Carolina 22 $ 3,370,000 $ 153,181 $ 139,000
Graham, North Carolina 21 $ 4,875,000 $ 232,142 $ 136,000
Cherokee, South Carolina 21 $ 2,885,000 $ 137,380 $ 164,000
Collin, Texas 21 $ 45,385,000 $ 2,161,190 $ 208,000
Multnomah, Oregon 20 $ 19,560,000 $ 978,000 $ 347,000
Davidson, Tennessee 20 $ 10,980,000 $ 549,000 $ 237,000
Alleghany, Virginia 20 $ 1,700,000 $ 85,000 $ 80,000
District of Columbia, District Of Columbia 19 $ 9,135,000 $ 480,789 $ 399,000
Walton, Florida 19 $ 15,565,000 $ 819,210 $ 518,000
Bernalillo, New Mexico 19 $ 8,145,000 $ 428,684 $ 237,000
Yadkin, North Carolina 19 $ 3,315,000 $ 174,473 $ 106,000
Colleton, South Carolina 19 $ 6,035,000 $ 317,631 $ 182,000
Hamilton, Tennessee 19 $ 13,125,000 $ 690,789 $ 207,000
Washington, Wisconsin 19 $ 3,475,000 $ 182,894 $ 114,000
Cleveland, North Carolina 18 $ 3,070,000 $ 170,555 $ 124,000
Dallas, Texas 18 $ 11,370,000 $ 631,666 $ 328,000
Brunswick, Virginia 18 $ 2,100,000 $ 116,666 $ 171,000
Jefferson, Colorado 17 $ 11,245,000 $ 661,470 $ 288,000
Cook, Illinois 17 $ 10,535,000 $ 619,705 $ 357,000
Williamson, Tennessee 17 $ 11,775,000 $ 692,647 $ 277,000
Salem, Virginia 17 $ 2,425,000 $ 142,647 $ 163,000
Martin, Florida 16 $ 6,960,000 $ 435,000 $ 268,000
Oglethorpe, Georgia 16 $ 2,090,000 $ 130,625 $ 87,000
Howard, Maryland 16 $ 9,770,000 $ 610,625 $ 284,000
Washoe, Nevada 16 $ 10,040,000 $ 627,500 $ 164,000
Montgomery, North Carolina 16 $ 8,100,000 $ 506,250 $ 404,000
Pasquotank, North Carolina 16 $ 1,980,000 $ 123,750 $ 84,000
Person, North Carolina 16 $ 3,490,000 $ 218,125 $ 188,000
Barnwell, South Carolina 16 $ 2,390,000 $ 149,375 $ 120,000
Sevier, Tennessee 16 $ 14,190,000 $ 886,875 $ 386,000
Seminole, Florida 15 $ 4,435,000 $ 295,666 $ 190,000
Caswell, North Carolina 15 $ 1,885,000 $ 125,666 $ 117,000
Jones, North Carolina 15 $ 1,985,000 $ 132,333 $ 129,000
Tarrant, Texas 15 $ 8,895,000 $ 593,000 $ 314,000
Charlottesville, Virginia 15 $ 3,835,000 $ 255,666 $ 273,000
Powhatan, Virginia 15 $ 2,515,000 $ 167,666 $ 112,000
Marin, California 14 $ 27,070,000 $ 1,933,571 $ 721,000
San Francisco, California 14 $ 15,910,000 $ 1,136,428 $ 274,000
Sarasota, Florida 14 $ 6,610,000 $ 472,142 $ 208,000
Washington, Tennessee 14 $ 2,910,000 $ 207,857 $ 231,000
Arlington, Virginia 14 $ 4,750,000 $ 339,285 $ 245,000
Staunton, Virginia 14 $ 1,860,000 $ 132,857 $ 110,000
San Mateo, California 13 $ 20,345,000 $ 1,565,000 $ 403,000
Manatee, Florida 13 $ 7,655,000 $ 588,846 $ 284,000
Northampton, North Carolina 13 $ 2,615,000 $ 201,153 $ 130,000
Calhoun, South Carolina 13 $ 2,435,000 $ 187,307 $ 144,000
Carroll, Virginia 13 $ 1,805,000 $ 138,846 $ 89,000
Volusia, Florida 12 $ 53,700,000 $ 4,475,000 $ 307,000
Hall, Georgia 12 $ 5,230,000 $ 435,833 $ 256,000
Robeson, North Carolina 12 $ 1,810,000 $ 150,833 $ 134,000
Washington, Oregon 12 $ 8,340,000 $ 695,000 $ 248,000
Frederick, Virginia 12 $ 2,330,000 $ 194,166 $ 234,000
Prince William, Virginia 12 $ 2,530,000 $ 210,833 $ 199,000
Kenosha, Wisconsin 12 $ 1,950,000 $ 162,500 $ 124,000
Pima, Arizona 11 $ 4,435,000 $ 403,181 $ 174,000
Fresno, California 11 $ 9,405,000 $ 855,000 $ 303,000
San Joaquin, California 11 $ 8,275,000 $ 752,272 $ 212,000
Arapahoe, Colorado 11 $ 8,455,000 $ 768,636 $ 277,000
Pasco, Florida 11 $ 2,305,000 $ 209,545 $ 206,000
Montgomery, Maryland 11 $ 5,465,000 $ 496,818 $ 229,000
Jasper, South Carolina 11 $ 1,775,000 $ 161,363 $ 133,000
Goochland, Virginia 11 $ 1,805,000 $ 164,090 $ 232,000
Santa Fe, New Mexico 10 $ 3,840,000 $ 384,000 $ 403,000
Dare, North Carolina 10 $ 4,220,000 $ 422,000 $ 381,000
Clackamas, Oregon 10 $ 6,720,000 $ 672,000 $ 214,000
Deschutes, Oregon 10 $ 11,130,000 $ 1,113,000 $ 477,000
Fluvanna, Virginia 10 $ 1,100,000 $ 110,000 $ 172,000
Pulaski, Virginia 10 $ 1,900,000 $ 190,000 $ 157,000
Monroe, Florida 9 $ 13,855,000 $ 1,539,444 $ 965,000
Nassau, Florida 9 $ 4,585,000 $ 509,444 $ 345,000
Oconee, Georgia 9 $ 3,115,000 $ 346,111 $ 105,000
Honolulu, Hawaii 9 $ 7,885,000 $ 876,111 $ 341,000
Anne Arundel, Maryland 9 $ 6,275,000 $ 697,222 $ 270,000
Greensville, Virginia 9 $ 655,000 $ 72,777 $ 62,000
Virginia Beach, Virginia 9 $ 3,185,000 $ 353,888 $ 370,000
Racine, Wisconsin 9 $ 2,015,000 $ 223,888 $ 128,000
Brevard, Florida 8 $ 3,740,000 $ 467,500 $ 261,000
Clarke, Georgia 8 $ 1,060,000 $ 132,500 $ 170,000
Anson, North Carolina 8 $ 1,890,000 $ 236,250 $ 191,000
Bamberg, South Carolina 8 $ 980,000 $ 122,500 $ 103,000
Union, South Carolina 8 $ 980,000 $ 122,500 $ 102,000
Fauquier, Virginia 8 $ 770,000 $ 96,250 $ 195,000
Floyd, Virginia 8 $ 840,000 $ 105,000 $ 120,000
Galax, Virginia 8 $ 810,000 $ 101,250 $ 73,000
Harrisonburg, Virginia 8 $ 1,500,000 $ 187,500 $ 204,000
Clark, Washington 8 $ 6,360,000 $ 795,000 $ 253,000
Yavapai, Arizona 7 $ 5,715,000 $ 816,428 $ 294,000
Monterey, California 7 $ 9,605,000 $ 1,372,142 $ 355,000
Nevada, California 7 $ 5,475,000 $ 782,142 $ 323,000
San Luis Obispo, California 7 $ 5,645,000 $ 806,428 $ 221,000
Santa Cruz, California 7 $ 7,305,000 $ 1,043,571 $ 222,000
Summit, Colorado 7 $ 6,565,000 $ 937,857 $ 396,000
Osceola, Florida 7 $ 2,635,000 $ 376,428 $ 356,000
Fannin, Georgia 7 $ 4,835,000 $ 690,714 $ 448,000
Hennepin, Minnesota 7 $ 4,735,000 $ 676,428 $ 344,000
Alleghany, North Carolina 7 $ 1,145,000 $ 163,571 $ 162,000
Lee, South Carolina 7 $ 955,000 $ 136,428 $ 124,000
Fort Bend, Texas 7 $ 2,405,000 $ 343,571 $ 194,000
Alexandria, Virginia 7 $ 2,875,000 $ 410,714 $ 307,000
Amherst, Virginia 7 $ 985,000 $ 140,714 $ 284,000
Grayson, Virginia 7 $ 1,295,000 $ 185,000 $ 56,000
Lunenburg, Virginia 7 $ 675,000 $ 96,428 $ 70,000
Thurston, Washington 7 $ 2,175,000 $ 310,714 $ 103,000
El Dorado, California 6 $ 5,380,000 $ 896,666 $ 311,000
Mono, California 6 $ 5,140,000 $ 856,666 $ 413,000
Solano, California 6 $ 4,720,000 $ 786,666 $ 218,000
Charlotte, Florida 6 $ 1,990,000 $ 331,666 $ 149,000
Douglas, Georgia 6 $ 2,210,000 $ 368,333 $ 130,000
Habersham, Georgia 6 $ 730,000 $ 121,666 $ 70,000
Henry, Georgia 6 $ 1,600,000 $ 266,666 $ 102,000
Jackson, Georgia 6 $ 840,000 $ 140,000 $ 101,000
Rabun, Georgia 6 $ 2,590,000 $ 431,666 $ 567,000
DuPage, Illinois 6 $ 3,910,000 $ 651,666 $ 234,000
Baltimore, Maryland 6 $ 740,000 $ 123,333 $ 190,000
Prince George's, Maryland 6 $ 3,050,000 $ 508,333 $ 142,000
Camden, North Carolina 6 $ 590,000 $ 98,333 $ 61,000
Scotland, North Carolina 6 $ 960,000 $ 160,000 $ 101,000
Loudon, Tennessee 6 $ 5,020,000 $ 836,666 $ 419,000
Hays, Texas 6 $ 4,040,000 $ 673,333 $ 226,000
Greene, Virginia 6 $ 1,800,000 $ 300,000 $ 183,000
Nelson, Virginia 6 $ 2,210,000 $ 368,333 $ 485,000
Stafford, Virginia 6 $ 1,090,000 $ 181,666 $ 108,000
Winchester, Virginia 6 $ 820,000 $ 136,666 $ 362,000
Spokane, Washington 6 $ 4,370,000 $ 728,333 $ 231,000
Sonoma, California 5 $ 4,375,000 $ 875,000 $ 211,000
Eagle, Colorado 5 $ 5,235,000 $ 1,047,000 $ 449,000
El Paso, Colorado 5 $ 2,145,000 $ 429,000 $ 160,000
Franklin, Florida 5 $ 2,585,000 $ 517,000 $ 204,000
Lake, Florida 5 $ 1,095,000 $ 219,000 $ 178,000
Okaloosa, Florida 5 $ 3,975,000 $ 795,000 $ 203,000
St. Lucie, Florida 5 $ 1,875,000 $ 375,000 $ 366,000
Fayette, Georgia 5 $ 2,345,000 $ 469,000 $ 403,000
Paulding, Georgia 5 $ 1,405,000 $ 281,000 $ 101,000
Pickens, Georgia 5 $ 1,135,000 $ 227,000 $ 94,000
Union, Georgia 5 $ 2,845,000 $ 569,000 $ 218,000
Warren, Georgia 5 $ 365,000 $ 73,000 $ 126,000
Johnson, Kansas 5 $ 1,335,000 $ 267,000 $ 251,000
Baltimore City, Maryland 5 $ 485,000 $ 97,000 $ 264,000
Jackson, Missouri 5 $ 1,755,000 $ 351,000 $ 267,000
Mitchell, North Carolina 5 $ 1,045,000 $ 209,000 $ 126,000
Perquimans, North Carolina 5 $ 785,000 $ 157,000 $ 189,000
Richmond, North Carolina 5 $ 815,000 $ 163,000 $ 75,000
Oklahoma, Oklahoma 5 $ 2,985,000 $ 597,000 $ 256,000
Bexar, Texas 5 $ 3,025,000 $ 605,000 $ 298,000
Charlotte, Virginia 5 $ 415,000 $ 83,000 $ 119,000
Emporia, Virginia 5 $ 625,000 $ 125,000 $ 91,000
Giles, Virginia 5 $ 595,000 $ 119,000 $ 119,000
Warren, Virginia 5 $ 775,000 $ 155,000 $ 106,000
Whatcom, Washington 5 $ 4,395,000 $ 879,000 $ 229,000
Raleigh, West Virginia 5 $ 565,000 $ 113,000 $ 75,000
Coconino, Arizona 4 $ 4,390,000 $ 1,097,500 $ 1,207,000
Mohave, Arizona 4 $ 2,510,000 $ 627,500 $ 489,000
Yolo, California 4 $ 1,960,000 $ 490,000 $ 275,000
Fairfield, Connecticut 4 $ 2,300,000 $ 575,000 $ 262,000
Alachua, Florida 4 $ 3,580,000 $ 895,000 $ 783,000
Bay, Florida 4 $ 1,960,000 $ 490,000 $ 330,000
Marion, Florida 4 $ 1,100,000 $ 275,000 $ 209,000
Bartow, Georgia 4 $ 940,000 $ 235,000 $ 123,000
Bibb, Georgia 4 $ 470,000 $ 117,500 $ 90,000
Clayton, Georgia 4 $ 210,000 $ 52,500 $ 52,000
Towns, Georgia 4 $ 1,130,000 $ 282,500 $ 76,000
St. Charles, Missouri 4 $ 2,690,000 $ 672,500 $ 197,000
Chowan, North Carolina 4 $ 2,030,000 $ 507,500 $ 332,000
Edgecombe, North Carolina 4 $ 400,000 $ 100,000 $ 47,000
Bucks, Pennsylvania 4 $ 1,580,000 $ 395,000 $ 220,000
Blount, Tennessee 4 $ 2,530,000 $ 632,500 $ 225,000
Carter, Tennessee 4 $ 640,000 $ 160,000 $ 155,000
Maury, Tennessee 4 $ 1,750,000 $ 437,500 $ 220,000
Robertson, Tennessee 4 $ 1,550,000 $ 387,500 $ 366,000
Shelby, Tennessee 4 $ 1,060,000 $ 265,000 $ 153,000
Comal, Texas 4 $ 2,060,000 $ 515,000 $ 168,000
Utah, Utah 4 $ 3,550,000 $ 887,500 $ 237,000
Appomattox, Virginia 4 $ 350,000 $ 87,500 $ 117,000
Buckingham, Virginia 4 $ 340,000 $ 85,000 $ 129,000
Halifax, Virginia 4 $ 470,000 $ 117,500 $ 98,000
Lancaster, Virginia 4 $ 960,000 $ 240,000 $ 123,000
Louisa, Virginia 4 $ 560,000 $ 140,000 $ 141,000
Page, Virginia 4 $ 800,000 $ 200,000 $ 117,000
Spotsylvania, Virginia 4 $ 310,000 $ 77,500 $ 111,000
Brown, Wisconsin 4 $ 1,250,000 $ 312,500 $ 75,000
Dane, Wisconsin 4 $ 2,650,000 $ 662,500 $ 135,000
Shelby, Alabama 3 $ 1,285,000 $ 428,333 $ 312,000
Pinal, Arizona 3 $ 555,000 $ 185,000 $ 93,000
Kern, California 3 $ 945,000 $ 315,000 $ 192,000
Adams, Colorado 3 $ 1,915,000 $ 638,333 $ 223,000
Boulder, Colorado 3 $ 2,265,000 $ 755,000 $ 153,000
Larimer, Colorado 3 $ 1,715,000 $ 571,666 $ 300,000
Weld, Colorado 3 $ 1,625,000 $ 541,666 $ 160,000
Escambia, Florida 3 $ 2,015,000 $ 671,666 $ 292,000
Flagler, Florida 3 $ 405,000 $ 135,000 $ 314,000
Indian River, Florida 3 $ 6,595,000 $ 2,198,333 $ 556,000
Polk, Florida 3 $ 1,285,000 $ 428,333 $ 63,000
Santa Rosa, Florida 3 $ 1,045,000 $ 348,333 $ 250,000
Catoosa, Georgia 3 $ 1,135,000 $ 378,333 $ 137,000
Coweta, Georgia 3 $ 575,000 $ 191,666 $ 81,000
Elbert, Georgia 3 $ 265,000 $ 88,333 $ 71,000
Glynn, Georgia 3 $ 2,205,000 $ 735,000 $ 712,000
Putnam, Georgia 3 $ 2,615,000 $ 871,666 $ 924,000
Lake, Illinois 3 $ 1,605,000 $ 535,000 $ 158,000
Frederick, Maryland 3 $ 2,245,000 $ 748,333 $ 275,000
Worcester, Maryland 3 $ 2,115,000 $ 705,000 $ 209,000
St. Louis City, Missouri 3 $ 1,035,000 $ 345,000 $ 420,000
Sandoval, New Mexico 3 $ 715,000 $ 238,333 $ 62,000
Currituck, North Carolina 3 $ 265,000 $ 88,333 $ 454,000
Gates, North Carolina 3 $ 275,000 $ 91,666 $ 197,000
Martin, North Carolina 3 $ 125,000 $ 41,666 $ 55,000
Cleveland, Oklahoma 3 $ 1,505,000 $ 501,666 $ 349,000
Jackson, Oregon 3 $ 1,525,000 $ 508,333 $ 456,000
Monroe, Pennsylvania 3 $ 425,000 $ 141,666 $ 127,000
Montgomery, Pennsylvania 3 $ 1,835,000 $ 611,666 $ 244,000
Ellis, Texas 3 $ 1,535,000 $ 511,666 $ 205,000
Davis, Utah 3 $ 2,245,000 $ 748,333 $ 195,000
Salt Lake, Utah 3 $ 2,815,000 $ 938,333 $ 364,000
Bristol, Virginia 3 $ 235,000 $ 78,333 $ 53,000
Caroline, Virginia 3 $ 325,000 $ 108,333 $ 68,000
Middlesex, Virginia 3 $ 625,000 $ 208,333 $ 138,000
Northampton, Virginia 3 $ 2,195,000 $ 731,666 $ 540,000
Patrick, Virginia 3 $ 355,000 $ 118,333 $ 147,000
Petersburg, Virginia 3 $ 715,000 $ 238,333 $ 74,000
Shenandoah, Virginia 3 $ 565,000 $ 188,333 $ 440,000
Chelan, Washington 3 $ 1,895,000 $ 631,666 $ 390,000
Fayette, West Virginia 3 $ 315,000 $ 105,000 $ 68,000
Mercer, West Virginia 3 $ 315,000 $ 105,000 $ 34,000
Ozaukee, Wisconsin 3 $ 615,000 $ 205,000 $ 370,000
Jefferson, Alabama 2 $ 540,000 $ 270,000 $ 100,000
Lee, Alabama 2 $ 740,000 $ 370,000 $ 186,000
Madison, Alabama 2 $ 800,000 $ 400,000 $ 216,000
Butte, California 2 $ 1,280,000 $ 640,000 $ 204,000
Stanislaus, California 2 $ 2,060,000 $ 1,030,000 $ 507,000
Tulare, California 2 $ 580,000 $ 290,000 $ 68,000
Yuba, California 2 $ 590,000 $ 295,000 $ 268,000
Clear Creek, Colorado 2 $ 1,030,000 $ 515,000 $ 280,000
Elbert, Colorado 2 $ 1,420,000 $ 710,000 $ 200,000
Grand, Colorado 2 $ 1,650,000 $ 825,000 $ 468,000
Citrus, Florida 2 $ 1,320,000 $ 660,000 $ 140,000
Sumter, Florida 2 $ 360,000 $ 180,000 $ 145,000
Banks, Georgia 2 $ 790,000 $ 395,000 $ 0
Bulloch, Georgia 2 $ 240,000 $ 120,000 $ 41,000
Carroll, Georgia 2 $ 180,000 $ 90,000 $ 153,000
Dawson, Georgia 2 $ 830,000 $ 415,000 $ 192,000
Dougherty, Georgia 2 $ 190,000 $ 95,000 $ 267,000
Effingham, Georgia 2 $ 250,000 $ 125,000 $ 40,000
Lincoln, Georgia 2 $ 570,000 $ 285,000 $ 107,000
Muscogee, Georgia 2 $ 830,000 $ 415,000 $ 179,000
Rockdale, Georgia 2 $ 210,000 $ 105,000 $ 110,000
Will, Illinois 2 $ 1,380,000 $ 690,000 $ 320,000
Harford, Maryland 2 $ 380,000 $ 190,000 $ 197,000
Worcester, Massachusetts 2 $ 1,550,000 $ 775,000 $ 417,000
Oakland, Michigan 2 $ 1,420,000 $ 710,000 $ 283,000
St. Louis, Missouri 2 $ 1,560,000 $ 780,000 $ 280,000
Hudson, New Jersey 2 $ 1,050,000 $ 525,000 $ 222,000
Somerset, New Jersey 2 $ 580,000 $ 290,000 $ 131,000
Nassau, New York 2 $ 1,070,000 $ 535,000 $ 131,000
New York, New York 2 $ 9,270,000 $ 4,635,000 $ 450,000
Queens, New York 2 $ 1,880,000 $ 940,000 $ 239,000
Westchester, New York 2 $ 1,660,000 $ 830,000 $ 285,000
Bertie, North Carolina 2 $ 220,000 $ 110,000 $ 66,000
Franklin, Ohio 2 $ 1,860,000 $ 930,000 $ 303,000
Clatsop, Oregon 2 $ 1,440,000 $ 720,000 $ 320,000
Coos, Oregon 2 $ 620,000 $ 310,000 $ 171,000
Marion, Oregon 2 $ 750,000 $ 375,000 $ 274,000
Yamhill, Oregon 2 $ 1,170,000 $ 585,000 $ 163,000
Allegheny, Pennsylvania 2 $ 850,000 $ 425,000 $ 134,000
Hampton, South Carolina 2 $ 130,000 $ 65,000 $ 97,000
Bradley, Tennessee 2 $ 560,000 $ 280,000 $ 68,000
Cocke, Tennessee 2 $ 430,000 $ 215,000 $ 67,000
Hawkins, Tennessee 2 $ 540,000 $ 270,000 $ 133,000
Johnson, Tennessee 2 $ 130,000 $ 65,000 $ 111,000
Marion, Tennessee 2 $ 3,580,000 $ 1,790,000 $ 766,000
Rutherford, Tennessee 2 $ 680,000 $ 340,000 $ 110,000
Sullivan, Tennessee 2 $ 570,000 $ 285,000 $ 88,000
Sumner, Tennessee 2 $ 1,710,000 $ 855,000 $ 408,000
Warren, Tennessee 2 $ 250,000 $ 125,000 $ 48,000
Burnet, Texas 2 $ 1,830,000 $ 915,000 $ 827,000
Montgomery, Texas 2 $ 780,000 $ 390,000 $ 149,000
Nueces, Texas 2 $ 670,000 $ 335,000 $ 217,000
Parker, Texas 2 $ 450,000 $ 225,000 $ 221,000
Amelia, Virginia 2 $ 120,000 $ 60,000 $ 138,000
Chesapeake, Virginia 2 $ 460,000 $ 230,000 $ 164,000
Hampton, Virginia 2 $ 310,000 $ 155,000 $ 138,000
Hopewell, Virginia 2 $ 190,000 $ 95,000 $ 0
James City, Virginia 2 $ 240,000 $ 120,000 $ 94,000
Mathews, Virginia 2 $ 110,000 $ 55,000 $ 93,000
Newport News, Virginia 2 $ 400,000 $ 200,000 $ 115,000
Norfolk, Virginia 2 $ 660,000 $ 330,000 $ 122,000
Northumberland, Virginia 2 $ 500,000 $ 250,000 $ 163,000
Nottoway, Virginia 2 $ 160,000 $ 80,000 $ 169,000
Orange, Virginia 2 $ 240,000 $ 120,000 $ 113,000
Portsmouth, Virginia 2 $ 230,000 $ 115,000 $ 282,000
Smyth, Virginia 2 $ 1,030,000 $ 515,000 $ 192,000
Suffolk, Virginia 2 $ 1,180,000 $ 590,000 $ 310,000
Washington, Virginia 2 $ 270,000 $ 135,000 $ 227,000
Wise, Virginia 2 $ 350,000 $ 175,000 $ 129,000
Douglas, Washington 2 $ 1,510,000 $ 755,000 $ 398,000
Grant, Washington 2 $ 1,050,000 $ 525,000 $ 285,000
Kitsap, Washington 2 $ 1,700,000 $ 850,000 $ 251,000
Skagit, Washington 2 $ 1,720,000 $ 860,000 $ 184,000
Berkeley, West Virginia 2 $ 410,000 $ 205,000 $ 59,000
Kanawha, West Virginia 2 $ 350,000 $ 175,000 $ 68,000
Monongalia, West Virginia 2 $ 570,000 $ 285,000 $ 60,000
Monroe, West Virginia 2 $ 60,000 $ 30,000 $ 57,000
Summers, West Virginia 2 $ 100,000 $ 50,000 $ 24,000
Baldwin, Alabama 1 $ 175,000 $ 175,000 $ 137,000
Mobile, Alabama 1 $ 435,000 $ 435,000 $ 138,000
Gila, Arizona 1 $ 1,045,000 $ 1,045,000 $ 177,000
Navajo, Arizona 1 $ 1,035,000 $ 1,035,000 $ 395,000
Santa Cruz, Arizona 1 $ 405,000 $ 405,000 $ 72,000
Yuma, Arizona 1 $ 185,000 $ 185,000 $ 45,000
Humboldt, California 1 $ 305,000 $ 305,000 $ 298,000
Lake, California 1 $ 215,000 $ 215,000 $ 0
Mendocino, California 1 $ 555,000 $ 555,000 $ 222,000
Merced, California 1 $ 255,000 $ 255,000 $ 224,000
Napa, California 1 $ 555,000 $ 555,000 $ 467,000
San Benito, California 1 $ 835,000 $ 835,000 $ 269,000
Shasta, California 1 $ 715,000 $ 715,000 $ 282,000
Siskiyou, California 1 $ 1,125,000 $ 1,125,000 $ 460,000
Sutter, California 1 $ 445,000 $ 445,000 $ 121,000
Broomfield, Colorado 1 $ 1,065,000 $ 1,065,000 $ 471,000
Garfield, Colorado 1 $ 665,000 $ 665,000 $ 228,000
Gunnison, Colorado 1 $ 405,000 $ 405,000 $ 92,000
Montrose, Colorado 1 $ 955,000 $ 955,000 $ 31,000
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Mortgage Loan Application Detail Totals for First Ciitizens Bank and Trust in 2022

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 7,902 $4,800,890,000 $607,000 $55,005,000 $241,000 $7,084,000
Refinancing 6,740 $1,949,670,000 $289,000 $17,005,000 $177,000 $3,665,000
Other Purpose 6,182 $1,026,730,000 $166,000 $5,795,000 $202,000 $9,441,000
Home Improvement 5,831 $795,585,000 $136,000 $3,005,000 $170,000 $5,231,000
Cash-out Refinancing 1,219 $708,555,000 $581,000 $50,005,000 $193,000 $3,014,000
Not Applicable 0 $0 $0 $0 $0 $0

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 16,971 $5,220,645,000 $307,000 $9,905,000 $196,000 $9,441,000
Not Provided 6,588 $1,942,360,000 $294,000 $6,305,000 $225,000 $5,231,000
Black or African American 1,321 $303,665,000 $229,000 $2,405,000 $121,000 $1,800,000
Asian 996 $552,210,000 $554,000 $3,185,000 $241,000 $2,364,000
Hispanic 883 $321,855,000 $364,000 $3,005,000 $155,000 $2,578,000
Not applicable 769 $797,915,000 $1,037,000 $55,005,000 $0 $0
American Indian or Alaskan Native 95 $23,135,000 $243,000 $1,065,000 $150,000 $613,000
Native Hawaiian or Other Pacific Islander 32 $8,650,000 $270,000 $775,000 $169,000 $613,000

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) 27,543 $9,191,295,000 $333,000 $55,005,000 $201,000 $9,441,000
FHA-insured (Federal Housing Administration) 253 $70,035,000 $276,000 $975,000 $74,000 $428,000
VA-guaranteed (Veterans Administration) 51 $14,805,000 $290,000 $635,000 $96,000 $246,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 27 $5,295,000 $196,000 $325,000 $65,000 $93,000

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 19,096 $6,467,570,000 $338,000 $55,005,000 $216,000 $9,441,000
Application Denied By Financial Institution 5,193 $1,375,485,000 $264,000 $5,795,000 $134,000 $4,559,000
File Closed For Incompleteness 1,319 $504,175,000 $382,000 $3,505,000 $190,000 $3,073,000
Application Withdrawn By Applicant 1,256 $705,690,000 $561,000 $12,505,000 $242,000 $2,846,000
Application Approved But Not Accepted 994 $220,890,000 $222,000 $4,005,000 $205,000 $2,364,000
Loan Purchased By The Institution 16 $7,620,000 $476,000 $975,000 $55,000 $255,000
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
Not applicable 22,681 $7,905,945,000 $348,000 $55,005,000 $215,000 $9,441,000
Debt-To-Income Ratio 2,297 $749,505,000 $326,000 $5,005,000 $98,000 $2,106,000
Credit History 1,565 $224,975,000 $143,000 $5,005,000 $123,000 $2,037,000
Collateral 714 $176,430,000 $247,000 $3,005,000 $189,000 $4,141,000
Other 318 $108,830,000 $342,000 $5,795,000 $206,000 $4,559,000
Unverifiable Information 209 $63,015,000 $301,000 $4,745,000 $250,000 $2,416,000
Insufficient Cash (Downpayment, Closing Cost) 65 $27,275,000 $419,000 $3,005,000 $188,000 $1,549,000
Credit Application Incomplete 24 $24,140,000 $1,005,000 $4,725,000 $434,000 $1,984,000
Employment History 1 $1,315,000 $1,315,000 $1,315,000 $363,000 $363,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Ciitizens Bank and Trust's 2022 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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