First Ciitizens Bank and Trust Mortgage Lending & HMDA Data, 2023

In 2023, First Ciitizens Bank and Trust of Raleigh, NC reported 23,378 mortgage applications totaling $8.8 billion, down 16% from 2022. The average application was for $377,530, and applicants reported an average income of $230,605. 65% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Charlotte-Concord-Gastonia, NC-SC (2,403), Raleigh, NC (2,141) and Charleston-North Charleston, SC (1,273) (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 23,378
Total Mortgage Loan Application Amount $8,825,900,000
Average Mortgage Loan Application Amount $377,530
Highest Mortgage Loan Application Amount $47,975,000
Average Applicant Income $230,605
Highest Applicant Income $9,422,000

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records First Ciitizens Bank and Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023

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 1,722 $ 480,530,000 $ 279,053 $ 234,000
Mecklenburg, North Carolina 1,067 $ 294,405,000 $ 275,918 $ 245,000
Charleston, South Carolina 777 $ 360,295,000 $ 463,700 $ 302,000
Los Angeles, California 732 $ 707,140,000 $ 966,038 $ 244,000
New Hanover, North Carolina 542 $ 165,940,000 $ 306,162 $ 262,000
Richland, South Carolina 526 $ 105,730,000 $ 201,007 $ 156,000
Greenville, South Carolina 484 $ 125,720,000 $ 259,752 $ 218,000
Spartanburg, South Carolina 433 $ 69,605,000 $ 160,750 $ 118,000
Buncombe, North Carolina 410 $ 114,770,000 $ 279,926 $ 226,000
Guilford, North Carolina 378 $ 83,200,000 $ 220,105 $ 214,000
Cumberland, North Carolina 377 $ 48,045,000 $ 127,440 $ 131,000
Lexington, South Carolina 372 $ 82,270,000 $ 221,155 $ 172,000
Union, North Carolina 324 $ 76,310,000 $ 235,524 $ 190,000
Carteret, North Carolina 323 $ 94,565,000 $ 292,770 $ 235,000
Johnston, North Carolina 316 $ 55,330,000 $ 175,094 $ 138,000
Horry, South Carolina 313 $ 69,365,000 $ 221,613 $ 163,000
Durham, North Carolina 312 $ 84,380,000 $ 270,448 $ 218,000
Berkeley, South Carolina 293 $ 60,925,000 $ 207,935 $ 172,000
Brunswick, North Carolina 282 $ 79,030,000 $ 280,248 $ 205,000
Forsyth, North Carolina 249 $ 49,265,000 $ 197,851 $ 166,000
York, South Carolina 247 $ 48,635,000 $ 196,902 $ 192,000
Henderson, North Carolina 241 $ 51,325,000 $ 212,966 $ 151,000
Catawba, North Carolina 237 $ 37,845,000 $ 159,683 $ 151,000
Craven, North Carolina 223 $ 47,345,000 $ 212,309 $ 189,000
Dorchester, South Carolina 203 $ 33,345,000 $ 164,261 $ 155,000
Orange, California 202 $ 266,660,000 $ 1,320,099 $ 459,000
Iredell, North Carolina 194 $ 51,840,000 $ 267,216 $ 206,000
Beaufort, South Carolina 193 $ 60,765,000 $ 314,844 $ 253,000
Moore, North Carolina 190 $ 72,620,000 $ 382,210 $ 248,000
San Francisco, California 182 $ 153,960,000 $ 845,934 $ 371,000
Pitt, North Carolina 176 $ 34,120,000 $ 193,863 $ 177,000
Caldwell, North Carolina 173 $ 29,795,000 $ 172,225 $ 126,000
Anderson, South Carolina 172 $ 33,690,000 $ 195,872 $ 138,000
San Diego, California 164 $ 165,090,000 $ 1,006,646 $ 418,000
Chatham, North Carolina 154 $ 49,800,000 $ 323,376 $ 229,000
Onslow, North Carolina 154 $ 29,180,000 $ 189,480 $ 188,000
Orange, North Carolina 154 $ 52,330,000 $ 339,805 $ 275,000
Burke, North Carolina 152 $ 25,450,000 $ 167,434 $ 126,000
Lancaster, South Carolina 149 $ 26,875,000 $ 180,369 $ 126,000
Riverside, California 145 $ 105,085,000 $ 724,724 $ 232,000
San Bernardino, California 139 $ 79,375,000 $ 571,043 $ 149,000
Pender, North Carolina 132 $ 36,810,000 $ 278,863 $ 198,000
Cabarrus, North Carolina 128 $ 19,740,000 $ 154,218 $ 163,000
Santa Clara, California 122 $ 140,080,000 $ 1,148,196 $ 459,000
Maricopa, Arizona 121 $ 87,155,000 $ 720,289 $ 427,000
Florence, South Carolina 121 $ 20,015,000 $ 165,413 $ 218,000
Lincoln, North Carolina 120 $ 23,400,000 $ 195,000 $ 162,000
Pickens, South Carolina 119 $ 29,515,000 $ 248,025 $ 131,000
Georgetown, South Carolina 118 $ 30,880,000 $ 261,694 $ 202,000
Roanoke, Virginia 110 $ 21,730,000 $ 197,545 $ 170,000
Aiken, South Carolina 107 $ 19,605,000 $ 183,224 $ 128,000
Transylvania, North Carolina 104 $ 20,810,000 $ 200,096 $ 275,000
Franklin, North Carolina 103 $ 17,535,000 $ 170,242 $ 138,000
Harnett, North Carolina 103 $ 13,055,000 $ 126,747 $ 116,000
Miami-Dade, Florida 101 $ 120,655,000 $ 1,194,603 $ 522,000
Watauga, North Carolina 86 $ 33,520,000 $ 389,767 $ 297,000
Sumter, South Carolina 82 $ 15,780,000 $ 192,439 $ 152,000
San Mateo, California 80 $ 142,920,000 $ 1,786,500 $ 658,000
Gaston, North Carolina 80 $ 19,490,000 $ 243,625 $ 183,000
Macon, North Carolina 79 $ 19,055,000 $ 241,202 $ 221,000
Alameda, California 77 $ 67,925,000 $ 882,142 $ 398,000
Chatham, Georgia 77 $ 18,325,000 $ 237,987 $ 195,000
Palm Beach, Florida 75 $ 67,355,000 $ 898,066 $ 343,000
Oconee, South Carolina 75 $ 23,355,000 $ 311,400 $ 231,000
Stokes, North Carolina 74 $ 7,310,000 $ 98,783 $ 83,000
Fulton, Georgia 72 $ 35,030,000 $ 486,527 $ 438,000
Kershaw, South Carolina 72 $ 13,510,000 $ 187,638 $ 172,000
Bedford, Virginia 71 $ 11,505,000 $ 162,042 $ 129,000
Middlesex, Massachusetts 70 $ 88,020,000 $ 1,257,428 $ 299,000
Haywood, North Carolina 70 $ 14,440,000 $ 206,285 $ 132,000
Cobb, Georgia 69 $ 23,685,000 $ 343,260 $ 235,000
Rutherford, North Carolina 69 $ 14,785,000 $ 214,275 $ 165,000
Chesterfield, Virginia 69 $ 13,545,000 $ 196,304 $ 153,000
Lee, North Carolina 68 $ 9,310,000 $ 136,911 $ 107,000
Wayne, North Carolina 65 $ 10,045,000 $ 154,538 $ 187,000
Wilson, North Carolina 65 $ 9,285,000 $ 142,846 $ 135,000
Milwaukee, Wisconsin 65 $ 13,155,000 $ 202,384 $ 139,000
Rockingham, North Carolina 64 $ 8,330,000 $ 130,156 $ 102,000
Jackson, North Carolina 63 $ 21,005,000 $ 333,412 $ 220,000
Suffolk, Massachusetts 62 $ 30,680,000 $ 494,838 $ 261,000
Sampson, North Carolina 62 $ 9,840,000 $ 158,709 $ 97,000
Greenwood, South Carolina 62 $ 15,310,000 $ 246,935 $ 173,000
Stanly, North Carolina 61 $ 13,535,000 $ 221,885 $ 173,000
King, Washington 60 $ 68,120,000 $ 1,135,333 $ 464,000
Columbia, Georgia 59 $ 9,825,000 $ 166,525 $ 183,000
Lenoir, North Carolina 59 $ 7,495,000 $ 127,033 $ 111,000
McDowell, North Carolina 59 $ 15,825,000 $ 268,220 $ 199,000
Travis, Texas 59 $ 79,095,000 $ 1,340,593 $ 638,000
Albemarle, Virginia 59 $ 15,075,000 $ 255,508 $ 222,000
Roanoke City, Virginia 58 $ 12,390,000 $ 213,620 $ 152,000
Hart, Georgia 57 $ 10,025,000 $ 175,877 $ 118,000
Darlington, South Carolina 56 $ 6,820,000 $ 121,785 $ 127,000
Orangeburg, South Carolina 56 $ 7,040,000 $ 125,714 $ 114,000
Surry, North Carolina 55 $ 7,185,000 $ 130,636 $ 91,000
Chester, South Carolina 55 $ 9,155,000 $ 166,454 $ 93,000
Pamlico, North Carolina 53 $ 12,585,000 $ 237,452 $ 174,000
Alamance, North Carolina 51 $ 8,985,000 $ 176,176 $ 118,000
Alexander, North Carolina 51 $ 8,935,000 $ 175,196 $ 133,000
Beaufort, North Carolina 50 $ 7,060,000 $ 141,200 $ 152,000
Madison, Georgia 48 $ 4,250,000 $ 88,541 $ 158,000
Pittsylvania, Virginia 48 $ 7,200,000 $ 150,000 $ 93,000
Wilkes, North Carolina 46 $ 6,550,000 $ 142,391 $ 108,000
DeKalb, Georgia 45 $ 15,685,000 $ 348,555 $ 291,000
Cherokee, North Carolina 45 $ 6,365,000 $ 141,444 $ 113,000
Bladen, North Carolina 44 $ 7,720,000 $ 175,454 $ 178,000
Polk, North Carolina 44 $ 9,730,000 $ 221,136 $ 150,000
Newberry, South Carolina 44 $ 8,230,000 $ 187,045 $ 139,000
Henrico, Virginia 44 $ 11,340,000 $ 257,727 $ 206,000
Broward, Florida 43 $ 23,025,000 $ 535,465 $ 678,000
Davidson, North Carolina 43 $ 10,835,000 $ 251,976 $ 137,000
Chesterfield, South Carolina 43 $ 6,415,000 $ 149,186 $ 92,000
Montgomery, Virginia 41 $ 9,565,000 $ 233,292 $ 145,000
St. Johns, Florida 40 $ 22,850,000 $ 571,250 $ 325,000
Ashe, North Carolina 40 $ 7,980,000 $ 199,500 $ 142,000
Fairfield, South Carolina 40 $ 8,310,000 $ 207,750 $ 142,000
Duval, Florida 38 $ 21,390,000 $ 562,894 $ 459,000
Nash, North Carolina 38 $ 7,970,000 $ 209,736 $ 124,000
Gwinnett, Georgia 37 $ 12,915,000 $ 349,054 $ 420,000
Franklin, Georgia 35 $ 5,115,000 $ 146,142 $ 81,000
Duplin, North Carolina 35 $ 4,075,000 $ 116,428 $ 173,000
Swain, North Carolina 35 $ 9,115,000 $ 260,428 $ 197,000
Dillon, South Carolina 35 $ 4,545,000 $ 129,857 $ 93,000
Fairfax, Virginia 35 $ 22,555,000 $ 644,428 $ 428,000
Mecklenburg, Virginia 35 $ 6,445,000 $ 184,142 $ 152,000
Contra Costa, California 34 $ 34,340,000 $ 1,010,000 $ 376,000
Columbus, North Carolina 34 $ 3,780,000 $ 111,176 $ 117,000
Granville, North Carolina 34 $ 5,630,000 $ 165,588 $ 136,000
Rowan, North Carolina 33 $ 5,405,000 $ 163,787 $ 180,000
Laurens, South Carolina 33 $ 5,655,000 $ 171,363 $ 145,000
Danville, Virginia 33 $ 3,165,000 $ 95,909 $ 98,000
Hillsborough, Florida 32 $ 10,530,000 $ 329,062 $ 187,000
Avery, North Carolina 32 $ 18,060,000 $ 564,375 $ 332,000
McCormick, South Carolina 32 $ 5,930,000 $ 185,312 $ 206,000
Norfolk, Massachusetts 30 $ 30,340,000 $ 1,011,333 $ 474,000
New York, New York 30 $ 82,430,000 $ 2,747,666 $ 1,171,000
Randolph, North Carolina 30 $ 4,380,000 $ 146,000 $ 109,000
Edgefield, South Carolina 30 $ 7,340,000 $ 244,666 $ 129,000
Lynchburg, Virginia 30 $ 4,090,000 $ 136,333 $ 213,000
Pinellas, Florida 29 $ 9,125,000 $ 314,655 $ 253,000
Clark, Nevada 29 $ 14,605,000 $ 503,620 $ 219,000
Essex, Massachusetts 28 $ 18,550,000 $ 662,500 $ 282,000
Abbeville, South Carolina 28 $ 4,070,000 $ 145,357 $ 105,000
Collin, Texas 28 $ 20,710,000 $ 739,642 $ 656,000
Richmond City, Virginia 28 $ 7,310,000 $ 261,071 $ 308,000
Denver, Colorado 27 $ 22,795,000 $ 844,259 $ 558,000
Saluda, South Carolina 26 $ 3,230,000 $ 124,230 $ 120,000
McDuffie, Georgia 25 $ 4,645,000 $ 185,800 $ 127,000
Bernalillo, New Mexico 25 $ 7,345,000 $ 293,800 $ 292,000
Greene, North Carolina 25 $ 4,285,000 $ 171,400 $ 93,000
Knox, Tennessee 25 $ 12,555,000 $ 502,200 $ 353,000
Greenbrier, West Virginia 25 $ 3,065,000 $ 122,600 $ 79,000
Anne Arundel, Maryland 24 $ 10,250,000 $ 427,083 $ 297,000
Halifax, North Carolina 24 $ 3,550,000 $ 147,916 $ 84,000
Madison, North Carolina 24 $ 4,230,000 $ 176,250 $ 108,000
Colleton, South Carolina 24 $ 11,730,000 $ 488,750 $ 348,000
Davidson, Tennessee 24 $ 18,210,000 $ 758,750 $ 496,000
Harris, Texas 24 $ 18,310,000 $ 762,916 $ 389,000
Hanover, Virginia 24 $ 6,880,000 $ 286,666 $ 286,000
Davie, North Carolina 23 $ 6,785,000 $ 295,000 $ 253,000
Alleghany, Virginia 23 $ 1,655,000 $ 71,956 $ 64,000
Augusta, Virginia 23 $ 5,165,000 $ 224,565 $ 114,000
Rockingham, Virginia 23 $ 6,665,000 $ 289,782 $ 231,000
Pocahontas, West Virginia 23 $ 2,175,000 $ 94,565 $ 73,000
Marin, California 22 $ 34,730,000 $ 1,578,636 $ 859,000
Orange, Florida 22 $ 7,120,000 $ 323,636 $ 246,000
Hoke, North Carolina 22 $ 2,740,000 $ 124,545 $ 114,000
Botetourt, Virginia 22 $ 4,500,000 $ 204,545 $ 129,000
Warren, North Carolina 21 $ 6,305,000 $ 300,238 $ 261,000
Cherokee, South Carolina 21 $ 2,715,000 $ 129,285 $ 85,000
Marlboro, South Carolina 21 $ 2,225,000 $ 105,952 $ 136,000
Campbell, Virginia 21 $ 2,085,000 $ 99,285 $ 130,000
Sacramento, California 20 $ 11,050,000 $ 552,500 $ 399,000
Martin, Florida 20 $ 8,100,000 $ 405,000 $ 327,000
Cherokee, Georgia 20 $ 5,560,000 $ 278,000 $ 298,000
Richmond, Georgia 20 $ 2,820,000 $ 141,000 $ 113,000
Vance, North Carolina 20 $ 4,800,000 $ 240,000 $ 174,000
Marion, South Carolina 20 $ 2,020,000 $ 101,000 $ 114,000
Franklin, Virginia 20 $ 3,890,000 $ 194,500 $ 163,000
Waukesha, Wisconsin 20 $ 5,360,000 $ 268,000 $ 204,000
Ventura, California 19 $ 14,545,000 $ 765,526 $ 296,000
Plymouth, Massachusetts 19 $ 20,005,000 $ 1,052,894 $ 642,000
Yadkin, North Carolina 19 $ 2,875,000 $ 151,315 $ 133,000
Brunswick, Virginia 19 $ 2,455,000 $ 129,210 $ 101,000
Placer, California 17 $ 9,155,000 $ 538,529 $ 351,000
Douglas, Colorado 17 $ 10,595,000 $ 623,235 $ 307,000
Lee, Florida 17 $ 8,535,000 $ 502,058 $ 198,000
Stephens, Georgia 17 $ 3,265,000 $ 192,058 $ 111,000
Santa Fe, New Mexico 17 $ 5,715,000 $ 336,176 $ 379,000
Clay, North Carolina 17 $ 3,445,000 $ 202,647 $ 150,000
Sevier, Tennessee 17 $ 14,905,000 $ 876,764 $ 638,000
Williamson, Tennessee 17 $ 13,655,000 $ 803,235 $ 381,000
Pierce, Washington 17 $ 7,215,000 $ 424,411 $ 220,000
Jefferson, Colorado 16 $ 8,830,000 $ 551,875 $ 448,000
Fairfield, Connecticut 16 $ 25,940,000 $ 1,621,250 $ 705,000
Collier, Florida 16 $ 7,550,000 $ 471,875 $ 247,000
Montgomery, Maryland 16 $ 14,670,000 $ 916,875 $ 346,000
Douglas, Nebraska 16 $ 12,700,000 $ 793,750 $ 277,000
Cleveland, North Carolina 16 $ 2,440,000 $ 152,500 $ 138,000
Charlottesville, Virginia 16 $ 5,060,000 $ 316,250 $ 333,000
Pasquotank, North Carolina 15 $ 2,325,000 $ 155,000 $ 103,000
Williamsburg, South Carolina 15 $ 1,655,000 $ 110,333 $ 159,000
Washington, Tennessee 15 $ 1,885,000 $ 125,666 $ 154,000
Forsyth, Georgia 14 $ 3,850,000 $ 275,000 $ 223,000
Clarendon, South Carolina 14 $ 3,530,000 $ 252,142 $ 172,000
Loudoun, Virginia 14 $ 4,160,000 $ 297,142 $ 285,000
Pulaski, Virginia 14 $ 1,430,000 $ 102,142 $ 94,000
Staunton, Virginia 14 $ 1,450,000 $ 103,571 $ 66,000
Snohomish, Washington 14 $ 10,480,000 $ 748,571 $ 279,000
Sonoma, California 13 $ 24,865,000 $ 1,912,692 $ 921,000
Pickens, Georgia 13 $ 2,815,000 $ 216,538 $ 176,000
Clackamas, Oregon 13 $ 25,015,000 $ 1,924,230 $ 237,000
Dallas, Texas 13 $ 14,195,000 $ 1,091,923 $ 636,000
Goochland, Virginia 13 $ 4,225,000 $ 325,000 $ 273,000
Hall, Georgia 12 $ 2,810,000 $ 234,166 $ 170,000
Cook, Illinois 12 $ 7,320,000 $ 610,000 $ 385,000
Washoe, Nevada 12 $ 12,430,000 $ 1,035,833 $ 498,000
Kings, New York 12 $ 12,430,000 $ 1,035,833 $ 373,000
Westchester, New York 12 $ 16,270,000 $ 1,355,833 $ 657,000
Barnwell, South Carolina 12 $ 1,320,000 $ 110,000 $ 89,000
Lee, South Carolina 12 $ 960,000 $ 80,000 $ 54,000
Williamson, Texas 12 $ 4,700,000 $ 391,666 $ 146,000
Boulder, Colorado 11 $ 12,965,000 $ 1,178,636 $ 479,000
Jones, North Carolina 11 $ 1,445,000 $ 131,363 $ 91,000
Person, North Carolina 11 $ 4,085,000 $ 371,363 $ 163,000
Robeson, North Carolina 11 $ 1,605,000 $ 145,909 $ 154,000
Oklahoma, Oklahoma 11 $ 2,085,000 $ 189,545 $ 231,000
Washington, Oregon 11 $ 6,965,000 $ 633,181 $ 350,000
Calhoun, South Carolina 11 $ 3,635,000 $ 330,454 $ 159,000
Charlotte, Virginia 11 $ 925,000 $ 84,090 $ 70,000
Salem, Virginia 11 $ 2,155,000 $ 195,909 $ 221,000
San Joaquin, California 10 $ 5,380,000 $ 538,000 $ 142,000
Osceola, Florida 10 $ 3,810,000 $ 381,000 $ 181,000
Polk, Florida 10 $ 50,810,000 $ 5,081,000 $ 88,000
Sarasota, Florida 10 $ 12,360,000 $ 1,236,000 $ 464,000
St. Lucie, Florida 10 $ 2,280,000 $ 228,000 $ 248,000
Dare, North Carolina 10 $ 3,790,000 $ 379,000 $ 304,000
Northampton, North Carolina 10 $ 1,680,000 $ 168,000 $ 143,000
Yancey, North Carolina 10 $ 1,580,000 $ 158,000 $ 100,000
Jasper, South Carolina 10 $ 1,710,000 $ 171,000 $ 143,000
Grayson, Virginia 10 $ 910,000 $ 91,000 $ 115,000
Prince William, Virginia 10 $ 1,410,000 $ 141,000 $ 180,000
Spotsylvania, Virginia 10 $ 1,850,000 $ 185,000 $ 162,000
Ozaukee, Wisconsin 10 $ 5,900,000 $ 590,000 $ 308,000
Kern, California 9 $ 2,825,000 $ 313,888 $ 137,000
Santa Cruz, California 9 $ 21,645,000 $ 2,405,000 $ 639,000
Clay, Florida 9 $ 1,705,000 $ 189,444 $ 180,000
Indian River, Florida 9 $ 8,695,000 $ 966,111 $ 743,000
Monroe, Florida 9 $ 7,375,000 $ 819,444 $ 763,000
Seminole, Florida 9 $ 3,115,000 $ 346,111 $ 725,000
Effingham, Georgia 9 $ 835,000 $ 92,777 $ 117,000
Suffolk, New York 9 $ 15,625,000 $ 1,736,111 $ 982,000
Alleghany, North Carolina 9 $ 1,945,000 $ 216,111 $ 261,000
Edgecombe, North Carolina 9 $ 1,945,000 $ 216,111 $ 107,000
Graham, North Carolina 9 $ 1,625,000 $ 180,555 $ 123,000
Scotland, North Carolina 9 $ 1,085,000 $ 120,555 $ 75,000
Bexar, Texas 9 $ 30,775,000 $ 3,419,444 $ 328,000
Tarrant, Texas 9 $ 7,545,000 $ 838,333 $ 801,000
Alexandria, Virginia 9 $ 5,245,000 $ 582,777 $ 332,000
Carroll, Virginia 9 $ 675,000 $ 75,000 $ 75,000
Frederick, Virginia 9 $ 1,585,000 $ 176,111 $ 182,000
Louisa, Virginia 9 $ 4,315,000 $ 479,444 $ 253,000
Pima, Arizona 8 $ 2,920,000 $ 365,000 $ 270,000
El Dorado, California 8 $ 5,920,000 $ 740,000 $ 364,000
Santa Barbara, California 8 $ 17,460,000 $ 2,182,500 $ 1,059,000
Solano, California 8 $ 5,940,000 $ 742,500 $ 95,000
Arapahoe, Colorado 8 $ 4,770,000 $ 596,250 $ 246,000
El Paso, Colorado 8 $ 4,900,000 $ 612,500 $ 291,000
Jackson, Georgia 8 $ 1,410,000 $ 176,250 $ 145,000
Howard, Maryland 8 $ 4,410,000 $ 551,250 $ 251,000
Montgomery, North Carolina 8 $ 3,320,000 $ 415,000 $ 187,000
Deschutes, Oregon 8 $ 10,320,000 $ 1,290,000 $ 425,000
Multnomah, Oregon 8 $ 5,040,000 $ 630,000 $ 606,000
Hamilton, Tennessee 8 $ 2,200,000 $ 275,000 $ 292,000
Denton, Texas 8 $ 5,660,000 $ 707,500 $ 258,000
Salt Lake, Utah 8 $ 7,260,000 $ 907,500 $ 401,000
Summit, Utah 8 $ 13,050,000 $ 1,631,250 $ 733,000
Greensville, Virginia 8 $ 1,240,000 $ 155,000 $ 96,000
Harrisonburg, Virginia 8 $ 1,660,000 $ 207,500 $ 81,000
Clark, Washington 8 $ 5,530,000 $ 691,250 $ 323,000
Kenosha, Wisconsin 8 $ 1,810,000 $ 226,250 $ 239,000
Washington, Wisconsin 8 $ 950,000 $ 118,750 $ 164,000
Nevada, California 7 $ 6,165,000 $ 880,714 $ 613,000
San Luis Obispo, California 7 $ 3,795,000 $ 542,142 $ 237,000
Larimer, Colorado 7 $ 3,315,000 $ 473,571 $ 574,000
Barrow, Georgia 7 $ 1,025,000 $ 146,428 $ 131,000
Blaine, Idaho 7 $ 33,375,000 $ 4,767,857 $ 2,296,000
Johnson, Kansas 7 $ 1,755,000 $ 250,714 $ 213,000
Baltimore City, Maryland 7 $ 2,455,000 $ 350,714 $ 247,000
Prince George's, Maryland 7 $ 2,185,000 $ 312,142 $ 420,000
Union, South Carolina 7 $ 1,215,000 $ 173,571 $ 83,000
Bell, Texas 7 $ 2,105,000 $ 300,714 $ 0
Fort Bend, Texas 7 $ 3,205,000 $ 457,857 $ 437,000
Montgomery, Texas 7 $ 3,225,000 $ 460,714 $ 276,000
Amelia, Virginia 7 $ 1,105,000 $ 157,857 $ 95,000
Fluvanna, Virginia 7 $ 525,000 $ 75,000 $ 105,000
Galax, Virginia 7 $ 655,000 $ 93,571 $ 107,000
Virginia Beach, Virginia 7 $ 5,395,000 $ 770,714 $ 692,000
Mohave, Arizona 6 $ 1,020,000 $ 170,000 $ 78,000
Monterey, California 6 $ 16,280,000 $ 2,713,333 $ 481,000
Adams, Colorado 6 $ 3,060,000 $ 510,000 $ 237,000
Eagle, Colorado 6 $ 9,580,000 $ 1,596,666 $ 953,000
District of Columbia, District Of Columbia 6 $ 4,410,000 $ 735,000 $ 540,000
Manatee, Florida 6 $ 1,530,000 $ 255,000 $ 553,000
Pasco, Florida 6 $ 5,630,000 $ 938,333 $ 840,000
Volusia, Florida 6 $ 2,740,000 $ 456,666 $ 398,000
Bryan, Georgia 6 $ 850,000 $ 141,666 $ 179,000
Fayette, Georgia 6 $ 1,330,000 $ 221,666 $ 191,000
Habersham, Georgia 6 $ 1,470,000 $ 245,000 $ 133,000
Henry, Georgia 6 $ 1,140,000 $ 190,000 $ 150,000
Oglethorpe, Georgia 6 $ 1,310,000 $ 218,333 $ 168,000
Walton, Georgia 6 $ 2,360,000 $ 393,333 $ 174,000
Barnstable, Massachusetts 6 $ 4,260,000 $ 710,000 $ 396,000
Jackson, Missouri 6 $ 1,250,000 $ 208,333 $ 169,000
Bergen, New Jersey 6 $ 5,230,000 $ 871,666 $ 308,000
Anson, North Carolina 6 $ 1,250,000 $ 208,333 $ 84,000
Currituck, North Carolina 6 $ 4,610,000 $ 768,333 $ 337,000
Carter, Tennessee 6 $ 830,000 $ 138,333 $ 287,000
Sullivan, Tennessee 6 $ 1,800,000 $ 300,000 $ 383,000
Warren, Tennessee 6 $ 970,000 $ 161,666 $ 260,000
Amherst, Virginia 6 $ 490,000 $ 81,666 $ 79,000
Radford, Virginia 6 $ 520,000 $ 86,666 $ 182,000
Thurston, Washington 6 $ 1,110,000 $ 185,000 $ 203,000
Racine, Wisconsin 6 $ 2,310,000 $ 385,000 $ 148,000
Yavapai, Arizona 5 $ 2,865,000 $ 573,000 $ 381,000
Lake, Florida 5 $ 5,635,000 $ 1,127,000 $ 704,000
Bulloch, Georgia 5 $ 385,000 $ 77,000 $ 144,000
Baltimore, Maryland 5 $ 2,365,000 $ 473,000 $ 534,000
Queen Anne's, Maryland 5 $ 2,405,000 $ 481,000 $ 236,000
Dukes, Massachusetts 5 $ 28,945,000 $ 5,789,000 $ 939,000
St. Louis, Missouri 5 $ 3,065,000 $ 613,000 $ 315,000
Martin, North Carolina 5 $ 585,000 $ 117,000 $ 90,000
Mitchell, North Carolina 5 $ 945,000 $ 189,000 $ 120,000
Wasatch, Utah 5 $ 8,115,000 $ 1,623,000 $ 513,000
Dane, Wisconsin 5 $ 1,335,000 $ 267,000 $ 858,000
Pinal, Arizona 4 $ 960,000 $ 240,000 $ 199,000
Imperial, California 4 $ 1,040,000 $ 260,000 $ 623,000
Napa, California 4 $ 6,850,000 $ 1,712,500 $ 670,000
Grand, Colorado 4 $ 3,720,000 $ 930,000 $ 610,000
Nassau, Florida 4 $ 1,600,000 $ 400,000 $ 325,000
Carroll, Georgia 4 $ 600,000 $ 150,000 $ 104,000
Elbert, Georgia 4 $ 290,000 $ 72,500 $ 42,000
Glynn, Georgia 4 $ 710,000 $ 177,500 $ 132,000
Paulding, Georgia 4 $ 750,000 $ 187,500 $ 176,000
Rabun, Georgia 4 $ 2,790,000 $ 697,500 $ 434,000
White, Georgia 4 $ 970,000 $ 242,500 $ 165,000
Frederick, Maryland 4 $ 1,250,000 $ 312,500 $ 161,000
Nantucket, Massachusetts 4 $ 7,100,000 $ 1,775,000 $ 1,518,000
Nassau, New York 4 $ 3,780,000 $ 945,000 $ 683,000
Caswell, North Carolina 4 $ 700,000 $ 175,000 $ 125,000
Gates, North Carolina 4 $ 640,000 $ 160,000 $ 111,000
Richmond, North Carolina 4 $ 510,000 $ 127,500 $ 75,000
Cleveland, Oklahoma 4 $ 770,000 $ 192,500 $ 202,000
Bamberg, South Carolina 4 $ 940,000 $ 235,000 $ 237,000
Hamblen, Tennessee 4 $ 800,000 $ 200,000 $ 233,000
Wilson, Tennessee 4 $ 1,690,000 $ 422,500 $ 249,000
Hays, Texas 4 $ 2,410,000 $ 602,500 $ 156,000
Davis, Utah 4 $ 3,660,000 $ 915,000 $ 423,000
Emporia, Virginia 4 $ 280,000 $ 70,000 $ 36,000
Halifax, Virginia 4 $ 700,000 $ 175,000 $ 88,000
Orange, Virginia 4 $ 450,000 $ 112,500 $ 231,000
Petersburg, Virginia 4 $ 480,000 $ 120,000 $ 0
Powhatan, Virginia 4 $ 510,000 $ 127,500 $ 247,000
Shenandoah, Virginia 4 $ 600,000 $ 150,000 $ 212,000
Waynesboro, Virginia 4 $ 410,000 $ 102,500 $ 102,000
Coconino, Arizona 3 $ 1,105,000 $ 368,333 $ 139,000
Yolo, California 3 $ 1,215,000 $ 405,000 $ 414,000
Broomfield, Colorado 3 $ 1,605,000 $ 535,000 $ 430,000
San Miguel, Colorado 3 $ 3,725,000 $ 1,241,666 $ 351,000
Weld, Colorado 3 $ 5,555,000 $ 1,851,666 $ 778,000
Alachua, Florida 3 $ 1,915,000 $ 638,333 $ 237,000
Brevard, Florida 3 $ 2,265,000 $ 755,000 $ 217,000
Flagler, Florida 3 $ 1,905,000 $ 635,000 $ 396,000
Marion, Florida 3 $ 1,105,000 $ 368,333 $ 107,000
Okeechobee, Florida 3 $ 635,000 $ 211,666 $ 447,000
Clarke, Georgia 3 $ 485,000 $ 161,666 $ 60,000
Douglas, Georgia 3 $ 1,005,000 $ 335,000 $ 179,000
Lincoln, Georgia 3 $ 955,000 $ 318,333 $ 237,000
Hawaii, Hawaii 3 $ 3,125,000 $ 1,041,666 $ 578,000
DuPage, Illinois 3 $ 2,365,000 $ 788,333 $ 465,000
Winnebago, Illinois 3 $ 225,000 $ 75,000 $ 194,000
Lancaster, Nebraska 3 $ 895,000 $ 298,333 $ 142,000
Douglas, Nevada 3 $ 11,155,000 $ 3,718,333 $ 247,000
Essex, New Jersey 3 $ 2,805,000 $ 935,000 $ 335,000
Monmouth, New Jersey 3 $ 4,195,000 $ 1,398,333 $ 579,000
Somerset, New Jersey 3 $ 2,085,000 $ 695,000 $ 376,000
Sandoval, New Mexico 3 $ 555,000 $ 185,000 $ 208,000
Perquimans, North Carolina 3 $ 225,000 $ 75,000 $ 49,000
Philadelphia, Pennsylvania 3 $ 1,895,000 $ 631,666 $ 195,000
Blount, Tennessee 3 $ 2,345,000 $ 781,666 $ 419,000
Loudon, Tennessee 3 $ 735,000 $ 245,000 $ 1,035,000
Maury, Tennessee 3 $ 2,205,000 $ 735,000 $ 263,000
Rutherford, Tennessee 3 $ 1,545,000 $ 515,000 $ 443,000
Shelby, Tennessee 3 $ 615,000 $ 205,000 $ 153,000
Sumner, Tennessee 3 $ 605,000 $ 201,666 $ 147,000
Union, Tennessee 3 $ 1,095,000 $ 365,000 $ 179,000
Galveston, Texas 3 $ 1,435,000 $ 478,333 $ 697,000
Windham, Vermont 3 $ 4,295,000 $ 1,431,666 $ 1,421,000
Bristol, Virginia 3 $ 335,000 $ 111,666 $ 43,000
Chesapeake, Virginia 3 $ 1,195,000 $ 398,333 $ 143,000
Craig, Virginia 3 $ 265,000 $ 88,333 $ 96,000
Greene, Virginia 3 $ 605,000 $ 201,666 $ 101,000
Lunenburg, Virginia 3 $ 165,000 $ 55,000 $ 102,000
Middlesex, Virginia 3 $ 475,000 $ 158,333 $ 355,000
Nottoway, Virginia 3 $ 195,000 $ 65,000 $ 50,000
Patrick, Virginia 3 $ 305,000 $ 101,666 $ 118,000
Portsmouth, Virginia 3 $ 545,000 $ 181,666 $ 102,000
Stafford, Virginia 3 $ 475,000 $ 158,333 $ 150,000
Island, Washington 3 $ 1,925,000 $ 641,666 $ 317,000
Kitsap, Washington 3 $ 2,895,000 $ 965,000 $ 295,000
Monongalia, West Virginia 3 $ 1,115,000 $ 371,666 $ 275,000
Monroe, West Virginia 3 $ 325,000 $ 108,333 $ 85,000
Nicholas, West Virginia 3 $ 395,000 $ 131,666 $ 85,000
Sheboygan, Wisconsin 3 $ 575,000 $ 191,666 $ 47,000
Winnebago, Wisconsin 3 $ 1,535,000 $ 511,666 $ 469,000
Baldwin, Alabama 2 $ 1,130,000 $ 565,000 $ 217,000
Lee, Alabama 2 $ 250,000 $ 125,000 $ 134,000
Madison, Alabama 2 $ 330,000 $ 165,000 $ 132,000
Mobile, Alabama 2 $ 890,000 $ 445,000 $ 237,000
San Benito, California 2 $ 1,480,000 $ 740,000 $ 170,000
La Plata, Colorado 2 $ 2,850,000 $ 1,425,000 $ 0
Park, Colorado 2 $ 1,330,000 $ 665,000 $ 325,000
Pitkin, Colorado 2 $ 17,270,000 $ 8,635,000 $ 1,014,000
Routt, Colorado 2 $ 1,310,000 $ 655,000 $ 313,000
Summit, Colorado 2 $ 1,070,000 $ 535,000 $ 392,000
Escambia, Florida 2 $ 480,000 $ 240,000 $ 64,000
Hernando, Florida 2 $ 710,000 $ 355,000 $ 148,000
Walton, Florida 2 $ 3,350,000 $ 1,675,000 $ 346,000
Banks, Georgia 2 $ 210,000 $ 105,000 $ 82,000
Bartow, Georgia 2 $ 190,000 $ 95,000 $ 68,000
Catoosa, Georgia 2 $ 210,000 $ 105,000 $ 64,000
Clayton, Georgia 2 $ 130,000 $ 65,000 $ 60,000
Fannin, Georgia 2 $ 610,000 $ 305,000 $ 208,000
Gilmer, Georgia 2 $ 410,000 $ 205,000 $ 598,000
Oconee, Georgia 2 $ 950,000 $ 475,000 $ 361,000
Rockdale, Georgia 2 $ 640,000 $ 320,000 $ 151,000
Walker, Georgia 2 $ 1,210,000 $ 605,000 $ 282,000
Lake, Illinois 2 $ 1,630,000 $ 815,000 $ 259,000
Will, Illinois 2 $ 1,000,000 $ 500,000 $ 193,000
Wright, Iowa 2 $ 40,150,000 $ 20,075,000 $ 240,000
Orleans, Louisiana 2 $ 3,430,000 $ 1,715,000 $ 595,000
Bristol, Massachusetts 2 $ 1,070,000 $ 535,000 $ 212,000
Hampden, Massachusetts 2 $ 610,000 $ 305,000 $ 110,000
Hennepin, Minnesota 2 $ 840,000 $ 420,000 $ 247,000
Boone, Missouri 2 $ 540,000 $ 270,000 $ 53,000
Linn, Missouri 2 $ 440,000 $ 220,000 $ 117,000
Gallatin, Montana 2 $ 22,690,000 $ 11,345,000 $ 414,000
Morris, New Jersey 2 $ 2,340,000 $ 1,170,000 $ 450,000
Union, New Jersey 2 $ 3,070,000 $ 1,535,000 $ 760,000
Erie, New York 2 $ 950,000 $ 475,000 $ 0
Ulster, New York 2 $ 1,960,000 $ 980,000 $ 489,000
Bertie, North Carolina 2 $ 290,000 $ 145,000 $ 170,000
Camden, North Carolina 2 $ 330,000 $ 165,000 $ 88,000
Chowan, North Carolina 2 $ 310,000 $ 155,000 $ 43,000
Tyrrell, North Carolina 2 $ 530,000 $ 265,000 $ 209,000
Hamilton, Ohio 2 $ 390,000 $ 195,000 $ 105,000
Rogers, Oklahoma 2 $ 1,010,000 $ 505,000 $ 341,000
Lincoln, Oregon 2 $ 1,850,000 $ 925,000 $ 323,000
Allegheny, Pennsylvania 2 $ 330,000 $ 165,000 $ 195,000
Chester, Pennsylvania 2 $ 630,000 $ 315,000 $ 219,000
Campbell, Tennessee 2 $ 600,000 $ 300,000 $ 127,000
Hawkins, Tennessee 2 $ 450,000 $ 225,000 $ 290,000
Johnson, Tennessee 2 $ 1,280,000 $ 640,000 $ 350,000
Marion, Tennessee 2 $ 1,900,000 $ 950,000 $ 1,025,000
Brazos, Texas 2 $ 500,000 $ 250,000 $ 1,418,000
Comal, Texas 2 $ 2,320,000 $ 1,160,000 $ 607,000
Hidalgo, Texas 2 $ 640,000 $ 320,000 $ 110,000
Johnson, Texas 2 $ 780,000 $ 390,000 $ 152,000
Utah, Utah 2 $ 2,000,000 $ 1,000,000 $ 220,000
Washington, Utah 2 $ 2,070,000 $ 1,035,000 $ 326,000
Windsor, Vermont 2 $ 1,830,000 $ 915,000 $ 747,000
Appomattox, Virginia 2 $ 350,000 $ 175,000 $ 280,000
Arlington, Virginia 2 $ 1,450,000 $ 725,000 $ 533,000
Caroline, Virginia 2 $ 690,000 $ 345,000 $ 264,000
Clarke, Virginia 2 $ 460,000 $ 230,000 $ 330,000
Fairfax City, Virginia 2 $ 170,000 $ 85,000 $ 210,000
Fauquier, Virginia 2 $ 220,000 $ 110,000 $ 140,000
Floyd, Virginia 2 $ 410,000 $ 205,000 $ 88,000
Fredericksburg, Virginia 2 $ 150,000 $ 75,000 $ 126,000
Giles, Virginia 2 $ 170,000 $ 85,000 $ 138,000
Mathews, Virginia 2 $ 350,000 $ 175,000 $ 220,000
Nelson, Virginia 2 $ 170,000 $ 85,000 $ 113,000
Prince Edward, Virginia 2 $ 170,000 $ 85,000 $ 59,000
Prince George, Virginia 2 $ 510,000 $ 255,000 $ 283,000
Warren, Virginia 2 $ 70,000 $ 35,000 $ 94,000
Winchester, Virginia 2 $ 160,000 $ 80,000 $ 66,000
Wythe, Virginia 2 $ 210,000 $ 105,000 $ 74,000
Kittitas, Washington 2 $ 2,980,000 $ 1,490,000 $ 998,000
Whatcom, Washington 2 $ 2,080,000 $ 1,040,000 $ 317,000
Yakima, Washington 2 $ 1,880,000 $ 940,000 $ 986,000
Berkeley, West Virginia 2 $ 50,000 $ 25,000 $ 109,000
Harrison, West Virginia 2 $ 120,000 $ 60,000 $ 422,000
Pendleton, West Virginia 2 $ 60,000 $ 30,000 $ 61,000
Brown, Wisconsin 2 $ 530,000 $ 265,000 $ 211,000
Fond du Lac, Wisconsin 2 $ 90,000 $ 45,000 $ 85,000
Jefferson, Wisconsin 2 $ 710,000 $ 355,000 $ 188,000
Oneida, Wisconsin 2 $ 1,130,000 $ 565,000 $ 133,000
Rusk, Wisconsin 2 $ 280,000 $ 140,000 $ 38,000
Jefferson, Alabama 1 $ 85,000 $ 85,000 $ 39,000
Limestone, Alabama 1 $ 595,000 $ 595,000 $ 0
Winston, Alabama 1 $ 345,000 $ 345,000 $ 525,000
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Mortgage Loan Application Detail Totals for First Ciitizens Bank and Trust in 2023

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 7,697 $5,062,985,000 $657,000 $47,975,000 $294,000 $8,400,000
Other Purpose 5,305 $1,179,615,000 $222,000 $18,905,000 $223,000 $9,231,000
Home Improvement 5,036 $704,490,000 $139,000 $3,375,000 $167,000 $4,200,000
Refinancing 4,840 $1,421,190,000 $293,000 $32,505,000 $199,000 $9,422,000
Cash-out Refinancing 500 $457,620,000 $915,000 $40,145,000 $282,000 $6,720,000
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 14,222 $4,726,680,000 $332,000 $13,805,000 $227,000 $9,422,000
Not Provided 4,611 $1,590,285,000 $344,000 $15,005,000 $265,000 $8,400,000
Black or African American 1,290 $273,340,000 $211,000 $2,735,000 $130,000 $3,568,000
Hispanic 1,099 $457,505,000 $416,000 $40,145,000 $177,000 $5,569,000
Asian 1,000 $582,960,000 $582,000 $3,855,000 $246,000 $3,925,000
Not applicable 868 $965,500,000 $1,112,000 $47,975,000 $0 $0
American Indian or Alaskan Native 108 $33,300,000 $308,000 $1,755,000 $175,000 $1,262,000
Native Hawaiian or Other Pacific Islander 13 $2,875,000 $221,000 $705,000 $225,000 $1,108,000

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) 22,893 $8,654,875,000 $378,000 $47,975,000 $232,000 $9,422,000
FHA-insured (Federal Housing Administration) 410 $148,400,000 $361,000 $985,000 $104,000 $614,000
VA-guaranteed (Veterans Administration) 61 $19,825,000 $325,000 $725,000 $117,000 $405,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 14 $2,800,000 $200,000 $315,000 $67,000 $95,000

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 15,304 $5,902,870,000 $385,000 $47,975,000 $245,000 $9,422,000
Application Denied By Financial Institution 4,806 $1,148,890,000 $239,000 $40,145,000 $138,000 $9,023,000
Application Withdrawn By Applicant 1,353 $751,365,000 $555,000 $15,005,000 $302,000 $9,231,000
Application Approved But Not Accepted 861 $276,155,000 $320,000 $9,755,000 $227,000 $4,170,000
File Closed For Incompleteness 799 $340,045,000 $425,000 $6,005,000 $265,000 $6,840,000
Preapproval Approved but not Accepted 245 $390,745,000 $1,594,000 $9,605,000 $576,000 $5,569,000
Preapproval Denied by Financial Institution 10 $15,830,000 $1,583,000 $2,405,000 $589,000 $2,242,000
Loan Purchased By The 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 18,562 $7,661,180,000 $412,000 $47,975,000 $253,000 $9,422,000
Debt-To-Income Ratio 2,406 $697,570,000 $289,000 $40,145,000 $102,000 $2,280,000
Credit History 1,342 $170,760,000 $127,000 $4,505,000 $141,000 $9,023,000
Collateral 590 $145,810,000 $247,000 $2,995,000 $218,000 $3,925,000
Other 318 $94,820,000 $298,000 $3,005,000 $217,000 $3,630,000
Unverifiable Information 105 $26,165,000 $249,000 $2,475,000 $200,000 $1,469,000
Insufficient Cash (Downpayment, Closing Cost) 47 $23,655,000 $503,000 $2,005,000 $233,000 $1,418,000
Credit Application Incomplete 5 $3,665,000 $733,000 $2,405,000 $87,000 $174,000
Employment History 3 $2,275,000 $758,000 $1,265,000 $179,000 $329,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Ciitizens Bank and Trust's 2023 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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