First Ciitizens Bank and Trust Mortgage Lending & HMDA Data, 2024

In 2024, First Ciitizens Bank and Trust of Raleigh, NC reported 23,256 mortgage applications totaling $8.9 billion, down 1% from 2023. The average application was for $380,937, and applicants reported an average income of $242,335. 65% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Charlotte-Concord-Gastonia, NC-SC (2,415), Raleigh, NC (2,223) and Charleston-North Charleston, SC (1,271) (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 23,256
Total Mortgage Loan Application Amount $8,859,090,000
Average Mortgage Loan Application Amount $380,937
Highest Mortgage Loan Application Amount $74,005,000
Average Applicant Income $242,335
Highest Applicant Income $9,758,000

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records First Ciitizens Bank and Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024

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 1,808 $ 575,290,000 $ 318,191 $ 261,000
Mecklenburg, North Carolina 1,071 $ 335,165,000 $ 312,945 $ 284,000
Charleston, South Carolina 819 $ 380,745,000 $ 464,890 $ 305,000
Los Angeles, California 604 $ 558,600,000 $ 924,834 $ 327,000
Richland, South Carolina 589 $ 127,095,000 $ 215,780 $ 186,000
New Hanover, North Carolina 568 $ 158,040,000 $ 278,239 $ 226,000
Greenville, South Carolina 502 $ 132,990,000 $ 264,920 $ 193,000
Lexington, South Carolina 474 $ 116,180,000 $ 245,105 $ 205,000
Guilford, North Carolina 458 $ 106,350,000 $ 232,205 $ 196,000
Buncombe, North Carolina 415 $ 150,675,000 $ 363,072 $ 194,000
Durham, North Carolina 373 $ 103,515,000 $ 277,520 $ 249,000
Spartanburg, South Carolina 359 $ 66,945,000 $ 186,476 $ 134,000
Union, North Carolina 339 $ 97,505,000 $ 287,625 $ 256,000
Brunswick, North Carolina 338 $ 105,110,000 $ 310,976 $ 236,000
Horry, South Carolina 329 $ 76,415,000 $ 232,264 $ 188,000
Johnston, North Carolina 312 $ 57,220,000 $ 183,397 $ 136,000
Forsyth, North Carolina 281 $ 53,935,000 $ 191,939 $ 149,000
Berkeley, South Carolina 280 $ 83,000,000 $ 296,428 $ 199,000
Carteret, North Carolina 274 $ 88,450,000 $ 322,810 $ 223,000
Cumberland, North Carolina 272 $ 46,370,000 $ 170,477 $ 147,000
Henderson, North Carolina 267 $ 54,145,000 $ 202,790 $ 151,000
York, South Carolina 260 $ 58,300,000 $ 224,230 $ 172,000
Craven, North Carolina 245 $ 66,365,000 $ 270,877 $ 186,000
Beaufort, South Carolina 236 $ 92,230,000 $ 390,805 $ 338,000
Catawba, North Carolina 214 $ 40,480,000 $ 189,158 $ 163,000
Anderson, South Carolina 186 $ 37,060,000 $ 199,247 $ 154,000
Onslow, North Carolina 182 $ 41,800,000 $ 229,670 $ 189,000
Pitt, North Carolina 176 $ 51,880,000 $ 294,772 $ 223,000
Dorchester, South Carolina 172 $ 33,240,000 $ 193,255 $ 156,000
San Francisco, California 171 $ 243,445,000 $ 1,423,654 $ 475,000
Iredell, North Carolina 167 $ 49,105,000 $ 294,041 $ 225,000
Pender, North Carolina 162 $ 47,900,000 $ 295,679 $ 214,000
Moore, North Carolina 159 $ 61,845,000 $ 388,962 $ 255,000
Riverside, California 158 $ 73,680,000 $ 466,329 $ 227,000
Cabarrus, North Carolina 158 $ 34,790,000 $ 220,189 $ 184,000
Orange, California 155 $ 199,185,000 $ 1,285,064 $ 463,000
Orange, North Carolina 155 $ 61,765,000 $ 398,483 $ 300,000
Burke, North Carolina 150 $ 32,540,000 $ 216,933 $ 154,000
Chatham, North Carolina 150 $ 46,520,000 $ 310,133 $ 250,000
San Bernardino, California 137 $ 91,815,000 $ 670,182 $ 144,000
Caldwell, North Carolina 137 $ 26,505,000 $ 193,467 $ 132,000
Lincoln, North Carolina 132 $ 31,310,000 $ 237,196 $ 190,000
Aiken, South Carolina 132 $ 29,820,000 $ 225,909 $ 173,000
Lancaster, South Carolina 127 $ 21,675,000 $ 170,669 $ 131,000
San Diego, California 116 $ 123,660,000 $ 1,066,034 $ 406,000
Florence, South Carolina 115 $ 21,165,000 $ 184,043 $ 188,000
Franklin, North Carolina 103 $ 21,735,000 $ 211,019 $ 145,000
Georgetown, South Carolina 100 $ 45,550,000 $ 455,500 $ 261,000
Pickens, South Carolina 100 $ 26,980,000 $ 269,800 $ 233,000
Transylvania, North Carolina 98 $ 30,940,000 $ 315,714 $ 284,000
Darlington, South Carolina 97 $ 16,325,000 $ 168,298 $ 111,000
Harnett, North Carolina 88 $ 12,910,000 $ 146,704 $ 138,000
Fulton, Georgia 84 $ 94,050,000 $ 1,119,642 $ 360,000
Santa Clara, California 80 $ 81,400,000 $ 1,017,500 $ 365,000
Oconee, South Carolina 80 $ 31,220,000 $ 390,250 $ 263,000
Gaston, North Carolina 79 $ 19,715,000 $ 249,556 $ 182,000
Rockingham, North Carolina 79 $ 10,375,000 $ 131,329 $ 94,000
Miami-Dade, Florida 78 $ 60,210,000 $ 771,923 $ 485,000
Maricopa, Arizona 76 $ 62,930,000 $ 828,026 $ 373,000
Pamlico, North Carolina 75 $ 20,945,000 $ 279,266 $ 176,000
Sumter, South Carolina 75 $ 10,985,000 $ 146,466 $ 134,000
Roanoke, Virginia 75 $ 16,625,000 $ 221,666 $ 186,000
Haywood, North Carolina 69 $ 11,225,000 $ 162,681 $ 147,000
Kershaw, South Carolina 69 $ 10,485,000 $ 151,956 $ 119,000
Jackson, North Carolina 68 $ 35,390,000 $ 520,441 $ 297,000
Columbia, Georgia 67 $ 15,715,000 $ 234,552 $ 220,000
Rutherford, North Carolina 67 $ 13,505,000 $ 201,567 $ 147,000
Chatham, Georgia 66 $ 22,640,000 $ 343,030 $ 252,000
Orangeburg, South Carolina 66 $ 11,650,000 $ 176,515 $ 127,000
Palm Beach, Florida 65 $ 53,845,000 $ 828,384 $ 540,000
Davidson, North Carolina 65 $ 11,845,000 $ 182,230 $ 173,000
Sampson, North Carolina 65 $ 9,225,000 $ 141,923 $ 111,000
Gwinnett, Georgia 62 $ 15,690,000 $ 253,064 $ 282,000
Stokes, North Carolina 62 $ 7,920,000 $ 127,741 $ 106,000
Wayne, North Carolina 62 $ 10,730,000 $ 173,064 $ 144,000
Greenwood, South Carolina 62 $ 15,850,000 $ 255,645 $ 210,000
Albemarle, Virginia 62 $ 17,540,000 $ 282,903 $ 206,000
Pittsylvania, Virginia 62 $ 8,830,000 $ 142,419 $ 121,000
Milwaukee, Wisconsin 62 $ 11,070,000 $ 178,548 $ 115,000
Watauga, North Carolina 61 $ 20,665,000 $ 338,770 $ 262,000
Wilson, North Carolina 61 $ 11,285,000 $ 185,000 $ 140,000
Bedford, Virginia 61 $ 14,605,000 $ 239,426 $ 209,000
Cobb, Georgia 60 $ 18,950,000 $ 315,833 $ 264,000
Lee, North Carolina 58 $ 8,720,000 $ 150,344 $ 106,000
Chesterfield, Virginia 58 $ 15,380,000 $ 265,172 $ 231,000
Roanoke City, Virginia 58 $ 13,030,000 $ 224,655 $ 139,000
Macon, North Carolina 57 $ 18,775,000 $ 329,385 $ 157,000
Polk, North Carolina 57 $ 17,805,000 $ 312,368 $ 161,000
Alamance, North Carolina 54 $ 10,010,000 $ 185,370 $ 125,000
Middlesex, Massachusetts 53 $ 43,185,000 $ 814,811 $ 467,000
Surry, North Carolina 53 $ 6,115,000 $ 115,377 $ 110,000
Broward, Florida 52 $ 38,110,000 $ 732,884 $ 369,000
Suffolk, Massachusetts 52 $ 40,260,000 $ 774,230 $ 312,000
Lenoir, North Carolina 52 $ 5,870,000 $ 112,884 $ 104,000
McDowell, North Carolina 52 $ 14,060,000 $ 270,384 $ 185,000
Alameda, California 50 $ 96,690,000 $ 1,933,800 $ 458,000
Alexander, North Carolina 50 $ 8,280,000 $ 165,600 $ 129,000
Newberry, South Carolina 50 $ 17,980,000 $ 359,600 $ 173,000
King, Washington 50 $ 54,850,000 $ 1,097,000 $ 456,000
Contra Costa, California 49 $ 76,215,000 $ 1,555,408 $ 358,000
Clark, Nevada 48 $ 30,200,000 $ 629,166 $ 314,000
Nash, North Carolina 48 $ 11,860,000 $ 247,083 $ 179,000
Henrico, Virginia 48 $ 9,950,000 $ 207,291 $ 300,000
Chesterfield, South Carolina 47 $ 6,165,000 $ 131,170 $ 142,000
Madison, Georgia 46 $ 5,520,000 $ 120,000 $ 106,000
Beaufort, North Carolina 45 $ 9,435,000 $ 209,666 $ 158,000
Mecklenburg, Virginia 45 $ 8,045,000 $ 178,777 $ 185,000
Hillsborough, Florida 44 $ 49,910,000 $ 1,134,318 $ 594,000
Richmond, Georgia 44 $ 9,930,000 $ 225,681 $ 194,000
Danville, Virginia 44 $ 5,200,000 $ 118,181 $ 126,000
Chester, South Carolina 43 $ 6,275,000 $ 145,930 $ 93,000
Hart, Georgia 42 $ 4,520,000 $ 107,619 $ 96,000
Halifax, North Carolina 42 $ 6,930,000 $ 165,000 $ 131,000
Cherokee, North Carolina 41 $ 4,575,000 $ 111,585 $ 101,000
Stanly, North Carolina 40 $ 5,150,000 $ 128,750 $ 121,000
DeKalb, Georgia 39 $ 13,955,000 $ 357,820 $ 288,000
Franklin, Georgia 39 $ 5,175,000 $ 132,692 $ 135,000
Wilkes, North Carolina 39 $ 6,235,000 $ 159,871 $ 238,000
Collier, Florida 36 $ 49,060,000 $ 1,362,777 $ 808,000
New York, New York 36 $ 97,000,000 $ 2,694,444 $ 1,430,000
Columbus, North Carolina 36 $ 3,720,000 $ 103,333 $ 110,000
Augusta, Virginia 36 $ 7,250,000 $ 201,388 $ 105,000
San Mateo, California 35 $ 52,255,000 $ 1,493,000 $ 504,000
Stephens, Georgia 35 $ 5,775,000 $ 165,000 $ 136,000
Randolph, North Carolina 35 $ 6,075,000 $ 173,571 $ 135,000
Greenbrier, West Virginia 35 $ 3,735,000 $ 106,714 $ 78,000
Ashe, North Carolina 34 $ 7,460,000 $ 219,411 $ 155,000
Dillon, South Carolina 34 $ 4,110,000 $ 120,882 $ 127,000
Edgefield, South Carolina 34 $ 5,140,000 $ 151,176 $ 113,000
Bladen, North Carolina 33 $ 5,315,000 $ 161,060 $ 126,000
Knox, Tennessee 33 $ 13,625,000 $ 412,878 $ 282,000
Norfolk, Massachusetts 32 $ 33,220,000 $ 1,038,125 $ 652,000
Rowan, North Carolina 32 $ 6,230,000 $ 194,687 $ 119,000
Clarendon, South Carolina 31 $ 7,175,000 $ 231,451 $ 224,000
Fairfield, South Carolina 31 $ 5,385,000 $ 173,709 $ 89,000
Richmond City, Virginia 31 $ 11,505,000 $ 371,129 $ 307,000
Pinellas, Florida 30 $ 12,870,000 $ 429,000 $ 350,000
Bernalillo, New Mexico 30 $ 12,210,000 $ 407,000 $ 286,000
McCormick, South Carolina 30 $ 4,170,000 $ 139,000 $ 149,000
Sacramento, California 29 $ 56,965,000 $ 1,964,310 $ 252,000
Duplin, North Carolina 29 $ 3,355,000 $ 115,689 $ 104,000
Marlboro, South Carolina 29 $ 2,965,000 $ 102,241 $ 77,000
Saluda, South Carolina 29 $ 3,765,000 $ 129,827 $ 98,000
Fairfax, Virginia 29 $ 11,055,000 $ 381,206 $ 231,000
Lynchburg, Virginia 29 $ 8,215,000 $ 283,275 $ 289,000
Rockingham, Virginia 29 $ 7,265,000 $ 250,517 $ 171,000
Pima, Arizona 28 $ 8,320,000 $ 297,142 $ 278,000
Davie, North Carolina 28 $ 6,310,000 $ 225,357 $ 260,000
Laurens, South Carolina 28 $ 5,860,000 $ 209,285 $ 119,000
Williamson, Tennessee 28 $ 19,640,000 $ 701,428 $ 443,000
Botetourt, Virginia 28 $ 6,740,000 $ 240,714 $ 203,000
Denver, Colorado 27 $ 21,285,000 $ 788,333 $ 390,000
Duval, Florida 27 $ 37,765,000 $ 1,398,703 $ 250,000
Forsyth, Georgia 27 $ 10,575,000 $ 391,666 $ 322,000
Colleton, South Carolina 27 $ 11,645,000 $ 431,296 $ 286,000
Franklin, Virginia 27 $ 7,745,000 $ 286,851 $ 257,000
Montgomery, Virginia 27 $ 6,235,000 $ 230,925 $ 210,000
Harris, Texas 26 $ 12,410,000 $ 477,307 $ 420,000
Ventura, California 25 $ 12,315,000 $ 492,600 $ 405,000
Avery, North Carolina 25 $ 16,655,000 $ 666,200 $ 448,000
Granville, North Carolina 25 $ 4,835,000 $ 193,400 $ 170,000
Travis, Texas 25 $ 22,305,000 $ 892,200 $ 579,000
Hoke, North Carolina 24 $ 4,070,000 $ 169,583 $ 167,000
Alleghany, Virginia 24 $ 1,840,000 $ 76,666 $ 95,000
Greene, North Carolina 23 $ 6,585,000 $ 286,304 $ 136,000
Davidson, Tennessee 23 $ 11,405,000 $ 495,869 $ 381,000
Marin, California 22 $ 36,070,000 $ 1,639,545 $ 711,000
District of Columbia, District Of Columbia 22 $ 9,700,000 $ 440,909 $ 279,000
Orange, Florida 22 $ 7,870,000 $ 357,727 $ 259,000
Cherokee, Georgia 22 $ 7,430,000 $ 337,727 $ 244,000
Graham, North Carolina 22 $ 3,810,000 $ 173,181 $ 87,000
Madison, North Carolina 22 $ 6,500,000 $ 295,454 $ 205,000
Yancey, North Carolina 22 $ 3,390,000 $ 154,090 $ 143,000
Snohomish, Washington 22 $ 12,340,000 $ 560,909 $ 265,000
Douglas, Nebraska 21 $ 2,695,000 $ 128,333 $ 133,000
Vance, North Carolina 21 $ 2,915,000 $ 138,809 $ 129,000
Abbeville, South Carolina 21 $ 3,855,000 $ 183,571 $ 124,000
Waukesha, Wisconsin 21 $ 5,785,000 $ 275,476 $ 232,000
Lee, Florida 20 $ 9,150,000 $ 457,500 $ 301,000
Warren, North Carolina 20 $ 6,540,000 $ 327,000 $ 274,000
Pierce, Washington 20 $ 9,190,000 $ 459,500 $ 259,000
Anne Arundel, Maryland 19 $ 8,115,000 $ 427,105 $ 352,000
Kings, New York 19 $ 99,835,000 $ 5,254,473 $ 706,000
Yadkin, North Carolina 19 $ 2,625,000 $ 138,157 $ 82,000
Oklahoma, Oklahoma 19 $ 10,025,000 $ 527,631 $ 581,000
Hanover, Virginia 19 $ 4,225,000 $ 222,368 $ 307,000
Prince William, Virginia 19 $ 5,265,000 $ 277,105 $ 204,000
Pocahontas, West Virginia 19 $ 1,475,000 $ 77,631 $ 78,000
Cook, Illinois 18 $ 11,800,000 $ 655,555 $ 287,000
Marion, South Carolina 18 $ 1,750,000 $ 97,222 $ 78,000
Hamilton, Tennessee 18 $ 4,500,000 $ 250,000 $ 255,000
Dallas, Texas 18 $ 13,070,000 $ 726,111 $ 356,000
Campbell, Virginia 18 $ 2,340,000 $ 130,000 $ 108,000
Placer, California 17 $ 9,755,000 $ 573,823 $ 453,000
Barnwell, South Carolina 17 $ 2,155,000 $ 126,764 $ 106,000
Washoe, Nevada 16 $ 34,030,000 $ 2,126,875 $ 365,000
Caswell, North Carolina 16 $ 4,130,000 $ 258,125 $ 605,000
Jasper, South Carolina 16 $ 4,690,000 $ 293,125 $ 381,000
Seminole, Florida 15 $ 3,975,000 $ 265,000 $ 193,000
St. Johns, Florida 15 $ 6,485,000 $ 432,333 $ 333,000
Santa Fe, New Mexico 15 $ 7,255,000 $ 483,666 $ 347,000
Dare, North Carolina 15 $ 7,205,000 $ 480,333 $ 381,000
Williamsburg, South Carolina 15 $ 2,285,000 $ 152,333 $ 105,000
Brunswick, Virginia 15 $ 1,055,000 $ 70,333 $ 70,000
Sonoma, California 14 $ 56,710,000 $ 4,050,714 $ 563,000
Manatee, Florida 14 $ 6,270,000 $ 447,857 $ 418,000
Johnson, Kansas 14 $ 6,970,000 $ 497,857 $ 484,000
Montgomery, North Carolina 14 $ 5,330,000 $ 380,714 $ 292,000
Sevier, Tennessee 14 $ 10,090,000 $ 720,714 $ 480,000
Collin, Texas 14 $ 4,930,000 $ 352,142 $ 180,000
Louisa, Virginia 14 $ 3,110,000 $ 222,142 $ 276,000
Kern, California 13 $ 3,365,000 $ 258,846 $ 262,000
San Joaquin, California 13 $ 7,265,000 $ 558,846 $ 260,000
Jefferson, Colorado 13 $ 4,285,000 $ 329,615 $ 200,000
Montgomery, Maryland 13 $ 4,695,000 $ 361,153 $ 459,000
Cleveland, Oklahoma 13 $ 2,645,000 $ 203,461 $ 174,000
Lee, South Carolina 13 $ 1,125,000 $ 86,538 $ 92,000
Charlottesville, Virginia 13 $ 4,235,000 $ 325,769 $ 323,000
Goochland, Virginia 13 $ 3,545,000 $ 272,692 $ 251,000
Arapahoe, Colorado 12 $ 4,670,000 $ 389,166 $ 272,000
Martin, Florida 12 $ 4,810,000 $ 400,833 $ 311,000
Volusia, Florida 12 $ 8,100,000 $ 675,000 $ 564,000
Suffolk, New York 12 $ 30,630,000 $ 2,552,500 $ 1,615,000
Westchester, New York 12 $ 23,450,000 $ 1,954,166 $ 1,152,000
Clay, North Carolina 12 $ 2,610,000 $ 217,500 $ 248,000
Pasquotank, North Carolina 12 $ 1,320,000 $ 110,000 $ 95,000
Person, North Carolina 12 $ 3,020,000 $ 251,666 $ 108,000
Robeson, North Carolina 12 $ 2,070,000 $ 172,500 $ 79,000
Swain, North Carolina 12 $ 3,890,000 $ 324,166 $ 267,000
Multnomah, Oregon 12 $ 6,330,000 $ 527,500 $ 232,000
Carroll, Virginia 12 $ 3,040,000 $ 253,333 $ 182,000
Loudoun, Virginia 12 $ 4,760,000 $ 396,666 $ 230,000
Salem, Virginia 12 $ 1,970,000 $ 164,166 $ 104,000
Washington, Wisconsin 12 $ 2,440,000 $ 203,333 $ 156,000
St. Lucie, Florida 11 $ 1,965,000 $ 178,636 $ 125,000
Hall, Georgia 11 $ 2,365,000 $ 215,000 $ 115,000
McDuffie, Georgia 11 $ 1,845,000 $ 167,727 $ 123,000
Essex, Massachusetts 11 $ 10,055,000 $ 914,090 $ 304,000
Cleveland, North Carolina 11 $ 1,905,000 $ 173,181 $ 89,000
Scotland, North Carolina 11 $ 2,215,000 $ 201,363 $ 87,000
Spotsylvania, Virginia 11 $ 2,515,000 $ 228,636 $ 265,000
Douglas, Colorado 10 $ 7,850,000 $ 785,000 $ 275,000
Oglethorpe, Georgia 10 $ 1,770,000 $ 177,000 $ 100,000
Calhoun, South Carolina 10 $ 1,200,000 $ 120,000 $ 153,000
Tarrant, Texas 10 $ 8,630,000 $ 863,000 $ 575,000
Indian River, Florida 9 $ 8,855,000 $ 983,888 $ 755,000
Sarasota, Florida 9 $ 4,885,000 $ 542,777 $ 361,000
Clarke, Georgia 9 $ 2,635,000 $ 292,777 $ 250,000
Effingham, Georgia 9 $ 1,125,000 $ 125,000 $ 130,000
Lincoln, Georgia 9 $ 1,885,000 $ 209,444 $ 189,000
Prince George's, Maryland 9 $ 2,815,000 $ 312,777 $ 184,000
Edgecombe, North Carolina 9 $ 965,000 $ 107,222 $ 200,000
Jones, North Carolina 9 $ 1,235,000 $ 137,222 $ 201,000
Clackamas, Oregon 9 $ 3,925,000 $ 436,111 $ 647,000
Cherokee, South Carolina 9 $ 1,165,000 $ 129,444 $ 70,000
Washington, Tennessee 9 $ 2,325,000 $ 258,333 $ 202,000
Amherst, Virginia 9 $ 725,000 $ 80,555 $ 95,000
Adams, Colorado 8 $ 3,250,000 $ 406,250 $ 310,000
Western Connecticut Planning Region, Connecticut 8 $ 15,160,000 $ 1,895,000 $ 694,000
Charlotte, Florida 8 $ 2,770,000 $ 346,250 $ 344,000
Warren, Georgia 8 $ 890,000 $ 111,250 $ 103,000
Barnstable, Massachusetts 8 $ 12,710,000 $ 1,588,750 $ 892,000
Denton, Texas 8 $ 5,250,000 $ 656,250 $ 316,000
Fort Bend, Texas 8 $ 2,570,000 $ 321,250 $ 267,000
Frederick, Virginia 8 $ 1,630,000 $ 203,750 $ 223,000
Pulaski, Virginia 8 $ 1,130,000 $ 141,250 $ 121,000
Staunton, Virginia 8 $ 880,000 $ 110,000 $ 115,000
Monroe, Florida 7 $ 9,045,000 $ 1,292,142 $ 626,000
Osceola, Florida 7 $ 2,245,000 $ 320,714 $ 227,000
Pasco, Florida 7 $ 1,795,000 $ 256,428 $ 235,000
Carroll, Georgia 7 $ 1,315,000 $ 187,857 $ 201,000
Catoosa, Georgia 7 $ 2,185,000 $ 312,142 $ 225,000
Jackson, Georgia 7 $ 1,045,000 $ 149,285 $ 135,000
Alleghany, North Carolina 7 $ 2,175,000 $ 310,714 $ 206,000
Anson, North Carolina 7 $ 1,285,000 $ 183,571 $ 115,000
Richmond, North Carolina 7 $ 865,000 $ 123,571 $ 79,000
Bamberg, South Carolina 7 $ 2,005,000 $ 286,428 $ 133,000
Union, South Carolina 7 $ 615,000 $ 87,857 $ 79,000
Bexar, Texas 7 $ 3,815,000 $ 545,000 $ 289,000
Arlington, Virginia 7 $ 4,465,000 $ 637,857 $ 433,000
Fluvanna, Virginia 7 $ 1,675,000 $ 239,285 $ 294,000
Grayson, Virginia 7 $ 1,655,000 $ 236,428 $ 210,000
Nottoway, Virginia 7 $ 455,000 $ 65,000 $ 153,000
Clay, Florida 6 $ 1,310,000 $ 218,333 $ 229,000
Newton, Georgia 6 $ 1,320,000 $ 220,000 $ 129,000
Paulding, Georgia 6 $ 2,270,000 $ 378,333 $ 149,000
Rabun, Georgia 6 $ 3,360,000 $ 560,000 $ 724,000
Baltimore City, Maryland 6 $ 4,560,000 $ 760,000 $ 324,000
Plymouth, Massachusetts 6 $ 4,400,000 $ 733,333 $ 400,000
Monmouth, New Jersey 6 $ 7,100,000 $ 1,183,333 $ 689,000
Northampton, North Carolina 6 $ 1,150,000 $ 191,666 $ 113,000
Tulsa, Oklahoma 6 $ 2,210,000 $ 368,333 $ 206,000
Sullivan, Tennessee 6 $ 1,700,000 $ 283,333 $ 189,000
Williamson, Texas 6 $ 1,910,000 $ 318,333 $ 712,000
Salt Lake, Utah 6 $ 2,830,000 $ 471,666 $ 198,000
Utah, Utah 6 $ 6,370,000 $ 1,061,666 $ 284,000
Galax, Virginia 6 $ 460,000 $ 76,666 $ 39,000
Greene, Virginia 6 $ 750,000 $ 125,000 $ 155,000
Greensville, Virginia 6 $ 510,000 $ 85,000 $ 61,000
Harrisonburg, Virginia 6 $ 1,500,000 $ 250,000 $ 266,000
Powhatan, Virginia 6 $ 1,280,000 $ 213,333 $ 152,000
Clark, Washington 6 $ 1,690,000 $ 281,666 $ 203,000
Thurston, Washington 6 $ 2,380,000 $ 396,666 $ 184,000
Dane, Wisconsin 6 $ 3,160,000 $ 526,666 $ 285,000
Racine, Wisconsin 6 $ 1,680,000 $ 280,000 $ 56,000
Pinal, Arizona 5 $ 615,000 $ 123,000 $ 71,000
Monterey, California 5 $ 12,255,000 $ 2,451,000 $ 753,000
Napa, California 5 $ 5,785,000 $ 1,157,000 $ 825,000
Solano, California 5 $ 2,165,000 $ 433,000 $ 183,000
Polk, Florida 5 $ 3,905,000 $ 781,000 $ 63,000
Walton, Florida 5 $ 7,815,000 $ 1,563,000 $ 434,000
Barrow, Georgia 5 $ 2,535,000 $ 507,000 $ 99,000
Bryan, Georgia 5 $ 1,025,000 $ 205,000 $ 145,000
Fannin, Georgia 5 $ 2,635,000 $ 527,000 $ 548,000
White, Georgia 5 $ 1,365,000 $ 273,000 $ 151,000
Frederick, Maryland 5 $ 2,775,000 $ 555,000 $ 201,000
Sarpy, Nebraska 5 $ 895,000 $ 179,000 $ 126,000
Bergen, New Jersey 5 $ 3,515,000 $ 703,000 $ 1,523,000
Nassau, New York 5 $ 2,395,000 $ 479,000 $ 872,000
Queens, New York 5 $ 3,855,000 $ 771,000 $ 281,000
Currituck, North Carolina 5 $ 3,585,000 $ 717,000 $ 325,000
Gates, North Carolina 5 $ 595,000 $ 119,000 $ 231,000
Mitchell, North Carolina 5 $ 1,555,000 $ 311,000 $ 150,000
Washington, Oregon 5 $ 1,625,000 $ 325,000 $ 131,000
Wilson, Tennessee 5 $ 1,435,000 $ 287,000 $ 225,000
Lunenburg, Virginia 5 $ 445,000 $ 89,000 $ 89,000
Shenandoah, Virginia 5 $ 2,585,000 $ 517,000 $ 383,000
Spokane, Washington 5 $ 3,985,000 $ 797,000 $ 447,000
Baldwin, Alabama 4 $ 2,150,000 $ 537,500 $ 301,000
Jefferson, Alabama 4 $ 2,480,000 $ 620,000 $ 525,000
El Dorado, California 4 $ 3,300,000 $ 825,000 $ 549,000
Fresno, California 4 $ 4,860,000 $ 1,215,000 $ 238,000
San Luis Obispo, California 4 $ 1,120,000 $ 280,000 $ 163,000
Boulder, Colorado 4 $ 3,520,000 $ 880,000 $ 443,000
Larimer, Colorado 4 $ 1,660,000 $ 415,000 $ 211,000
Summit, Colorado 4 $ 11,250,000 $ 2,812,500 $ 3,046,000
Weld, Colorado 4 $ 1,480,000 $ 370,000 $ 158,000
Alachua, Florida 4 $ 1,120,000 $ 280,000 $ 126,000
Brevard, Florida 4 $ 2,470,000 $ 617,500 $ 326,000
Coweta, Georgia 4 $ 930,000 $ 232,500 $ 89,000
Fayette, Georgia 4 $ 1,950,000 $ 487,500 $ 319,000
Oconee, Georgia 4 $ 980,000 $ 245,000 $ 178,000
Baltimore, Maryland 4 $ 1,930,000 $ 482,500 $ 358,000
Nantucket, Massachusetts 4 $ 9,080,000 $ 2,270,000 $ 1,900,000
Hennepin, Minnesota 4 $ 2,130,000 $ 532,500 $ 262,000
Essex, New Jersey 4 $ 2,270,000 $ 567,500 $ 565,000
Hudson, New Jersey 4 $ 3,610,000 $ 902,500 $ 371,000
Middlesex, New Jersey 4 $ 2,080,000 $ 520,000 $ 238,000
Rensselaer, New York 4 $ 880,000 $ 220,000 $ 53,000
Delaware, Pennsylvania 4 $ 3,370,000 $ 842,500 $ 405,000
Montgomery, Pennsylvania 4 $ 2,430,000 $ 607,500 $ 898,000
Philadelphia, Pennsylvania 4 $ 1,190,000 $ 297,500 $ 148,000
Blount, Tennessee 4 $ 1,660,000 $ 415,000 $ 146,000
Carter, Tennessee 4 $ 1,170,000 $ 292,500 $ 177,000
Loudon, Tennessee 4 $ 1,880,000 $ 470,000 $ 276,000
Galveston, Texas 4 $ 1,150,000 $ 287,500 $ 986,000
Hays, Texas 4 $ 1,980,000 $ 495,000 $ 559,000
Wasatch, Utah 4 $ 5,560,000 $ 1,390,000 $ 949,000
Charlotte, Virginia 4 $ 610,000 $ 152,500 $ 116,000
Emporia, Virginia 4 $ 880,000 $ 220,000 $ 78,000
Floyd, Virginia 4 $ 710,000 $ 177,500 $ 95,000
Giles, Virginia 4 $ 1,220,000 $ 305,000 $ 388,000
Page, Virginia 4 $ 720,000 $ 180,000 $ 65,000
Whatcom, Washington 4 $ 3,710,000 $ 927,500 $ 148,000
Coconino, Arizona 3 $ 3,405,000 $ 1,135,000 $ 903,000
Yavapai, Arizona 3 $ 1,615,000 $ 538,333 $ 442,000
Nevada, California 3 $ 1,565,000 $ 521,666 $ 334,000
Santa Barbara, California 3 $ 9,075,000 $ 3,025,000 $ 1,096,000
Stanislaus, California 3 $ 675,000 $ 225,000 $ 217,000
Eagle, Colorado 3 $ 4,345,000 $ 1,448,333 $ 411,000
El Paso, Colorado 3 $ 1,205,000 $ 401,666 $ 177,000
Elbert, Colorado 3 $ 1,205,000 $ 401,666 $ 303,000
Pitkin, Colorado 3 $ 5,055,000 $ 1,685,000 $ 645,000
Hernando, Florida 3 $ 975,000 $ 325,000 $ 174,000
Lake, Florida 3 $ 2,455,000 $ 818,333 $ 444,000
Marion, Florida 3 $ 1,315,000 $ 438,333 $ 371,000
Santa Rosa, Florida 3 $ 575,000 $ 191,666 $ 544,000
Bartow, Georgia 3 $ 1,955,000 $ 651,666 $ 644,000
Bulloch, Georgia 3 $ 295,000 $ 98,333 $ 69,000
Clayton, Georgia 3 $ 365,000 $ 121,666 $ 60,000
Elbert, Georgia 3 $ 165,000 $ 55,000 $ 157,000
Gilmer, Georgia 3 $ 465,000 $ 155,000 $ 171,000
Pickens, Georgia 3 $ 345,000 $ 115,000 $ 385,000
Towns, Georgia 3 $ 1,265,000 $ 421,666 $ 276,000
Union, Georgia 3 $ 525,000 $ 175,000 $ 93,000
Honolulu, Hawaii 3 $ 2,035,000 $ 678,333 $ 453,000
DuPage, Illinois 3 $ 2,205,000 $ 735,000 $ 318,000
Carroll, Maryland 3 $ 2,065,000 $ 688,333 $ 295,000
Howard, Maryland 3 $ 2,315,000 $ 771,666 $ 245,000
Jackson, Missouri 3 $ 315,000 $ 105,000 $ 341,000
St. Louis City, Missouri 3 $ 2,475,000 $ 825,000 $ 137,000
Lancaster, Nebraska 3 $ 955,000 $ 318,333 $ 101,000
Washington, Nebraska 3 $ 385,000 $ 128,333 $ 204,000
Sandoval, New Mexico 3 $ 495,000 $ 165,000 $ 188,000
Camden, North Carolina 3 $ 245,000 $ 81,666 $ 88,000
Chowan, North Carolina 3 $ 1,555,000 $ 518,333 $ 255,000
Hertford, North Carolina 3 $ 195,000 $ 65,000 $ 128,000
Martin, North Carolina 3 $ 565,000 $ 188,333 $ 95,000
Franklin, Ohio 3 $ 905,000 $ 301,666 $ 160,000
Canadian, Oklahoma 3 $ 565,000 $ 188,333 $ 191,000
Greene, Tennessee 3 $ 945,000 $ 315,000 $ 98,000
Johnson, Tennessee 3 $ 1,335,000 $ 445,000 $ 291,000
Rutherford, Tennessee 3 $ 385,000 $ 128,333 $ 128,000
Shelby, Tennessee 3 $ 1,115,000 $ 371,666 $ 324,000
Sumner, Tennessee 3 $ 895,000 $ 298,333 $ 270,000
Union, Tennessee 3 $ 695,000 $ 231,666 $ 139,000
Montgomery, Texas 3 $ 1,295,000 $ 431,666 $ 249,000
Summit, Utah 3 $ 6,545,000 $ 2,181,666 $ 1,293,000
Washington, Utah 3 $ 2,605,000 $ 868,333 $ 314,000
Lamoille, Vermont 3 $ 5,785,000 $ 1,928,333 $ 2,331,000
Amelia, Virginia 3 $ 285,000 $ 95,000 $ 112,000
Chesapeake, Virginia 3 $ 805,000 $ 268,333 $ 188,000
Madison, Virginia 3 $ 975,000 $ 325,000 $ 167,000
Middlesex, Virginia 3 $ 2,665,000 $ 888,333 $ 972,000
Nelson, Virginia 3 $ 575,000 $ 191,666 $ 509,000
Prince George, Virginia 3 $ 355,000 $ 118,333 $ 121,000
Virginia Beach, Virginia 3 $ 1,645,000 $ 548,333 $ 208,000
Waynesboro, Virginia 3 $ 565,000 $ 188,333 $ 237,000
Kitsap, Washington 3 $ 875,000 $ 291,666 $ 143,000
Outagamie, Wisconsin 3 $ 2,155,000 $ 718,333 $ 392,000
Mohave, Arizona 2 $ 1,020,000 $ 510,000 $ 750,000
Navajo, Arizona 2 $ 1,520,000 $ 760,000 $ 855,000
Yuma, Arizona 2 $ 210,000 $ 105,000 $ 116,000
Yolo, California 2 $ 1,730,000 $ 865,000 $ 225,000
Northwest Hills Planning Region, Connecticut 2 $ 1,230,000 $ 615,000 $ 583,000
Leon, Florida 2 $ 800,000 $ 400,000 $ 476,000
Nassau, Florida 2 $ 210,000 $ 105,000 $ 158,000
Okaloosa, Florida 2 $ 660,000 $ 330,000 $ 121,000
Sumter, Florida 2 $ 760,000 $ 380,000 $ 748,000
Glynn, Georgia 2 $ 900,000 $ 450,000 $ 313,000
Habersham, Georgia 2 $ 400,000 $ 200,000 $ 162,000
Henry, Georgia 2 $ 520,000 $ 260,000 $ 126,000
Laurens, Georgia 2 $ 350,000 $ 175,000 $ 214,000
Lee, Georgia 2 $ 1,050,000 $ 525,000 $ 248,000
Putnam, Georgia 2 $ 1,060,000 $ 530,000 $ 198,000
Rockdale, Georgia 2 $ 230,000 $ 115,000 $ 51,000
Spalding, Georgia 2 $ 600,000 $ 300,000 $ 138,000
Walton, Georgia 2 $ 670,000 $ 335,000 $ 221,000
Washington, Georgia 2 $ 160,000 $ 80,000 $ 128,000
Kauai, Hawaii 2 $ 1,970,000 $ 985,000 $ 414,000
Sangamon, Illinois 2 $ 200,000 $ 100,000 $ 0
Leavenworth, Kansas 2 $ 400,000 $ 200,000 $ 386,000
Wyandotte, Kansas 2 $ 1,000,000 $ 500,000 $ 68,000
Worcester, Maryland 2 $ 890,000 $ 445,000 $ 310,000
Bristol, Massachusetts 2 $ 1,030,000 $ 515,000 $ 121,000
Worcester, Massachusetts 2 $ 1,170,000 $ 585,000 $ 250,000
Oakland, Michigan 2 $ 720,000 $ 360,000 $ 729,000
Wayne, Michigan 2 $ 100,000 $ 50,000 $ 145,000
Christian, Missouri 2 $ 480,000 $ 240,000 $ 571,000
Clay, Missouri 2 $ 950,000 $ 475,000 $ 531,000
Saunders, Nebraska 2 $ 470,000 $ 235,000 $ 0
Hillsborough, New Hampshire 2 $ 1,070,000 $ 535,000 $ 321,000
Cape May, New Jersey 2 $ 1,860,000 $ 930,000 $ 544,000
Union, New Jersey 2 $ 1,440,000 $ 720,000 $ 194,000
Dutchess, New York 2 $ 1,360,000 $ 680,000 $ 495,000
Rockland, New York 2 $ 950,000 $ 475,000 $ 1,331,000
Butler, Ohio 2 $ 880,000 $ 440,000 $ 156,000
Cuyahoga, Ohio 2 $ 230,000 $ 115,000 $ 0
Delaware, Ohio 2 $ 940,000 $ 470,000 $ 337,000
Grady, Oklahoma 2 $ 320,000 $ 160,000 $ 233,000
Logan, Oklahoma 2 $ 1,860,000 $ 930,000 $ 231,000
Rogers, Oklahoma 2 $ 1,260,000 $ 630,000 $ 671,000
Deschutes, Oregon 2 $ 720,000 $ 360,000 $ 224,000
Polk, Oregon 2 $ 510,000 $ 255,000 $ 420,000
Allegheny, Pennsylvania 2 $ 2,090,000 $ 1,045,000 $ 370,000
Erie, Pennsylvania 2 $ 340,000 $ 170,000 $ 142,000
Washington, Rhode Island 2 $ 1,520,000 $ 760,000 $ 271,000
Anderson, Tennessee 2 $ 200,000 $ 100,000 $ 400,000
Bradley, Tennessee 2 $ 110,000 $ 55,000 $ 51,000
Cumberland, Tennessee 2 $ 600,000 $ 300,000 $ 106,000
Bell, Texas 2 $ 270,000 $ 135,000 $ 0
Brazoria, Texas 2 $ 400,000 $ 200,000 $ 134,000
Ellis, Texas 2 $ 190,000 $ 95,000 $ 138,000
McLennan, Texas 2 $ 990,000 $ 495,000 $ 1,764,000
Weber, Utah 2 $ 3,360,000 $ 1,680,000 $ 315,000
Appomattox, Virginia 2 $ 540,000 $ 270,000 $ 78,000
Fauquier, Virginia 2 $ 430,000 $ 215,000 $ 330,000
Henry, Virginia 2 $ 140,000 $ 70,000 $ 52,000
New Kent, Virginia 2 $ 460,000 $ 230,000 $ 101,000
Newport News, Virginia 2 $ 150,000 $ 75,000 $ 80,000
Norfolk, Virginia 2 $ 750,000 $ 375,000 $ 94,000
Patrick, Virginia 2 $ 630,000 $ 315,000 $ 165,000
Rockbridge, Virginia 2 $ 210,000 $ 105,000 $ 101,000
Warren, Virginia 2 $ 140,000 $ 70,000 $ 95,000
Washington, Virginia 2 $ 300,000 $ 150,000 $ 73,000
Winchester, Virginia 2 $ 410,000 $ 205,000 $ 639,000
Monroe, West Virginia 2 $ 240,000 $ 120,000 $ 54,000
Kenosha, Wisconsin 2 $ 390,000 $ 195,000 $ 143,000
Manitowoc, Wisconsin 2 $ 750,000 $ 375,000 $ 79,000
Lauderdale, Alabama 1 $ 215,000 $ 215,000 $ 415,000
Lee, Alabama 1 $ 1,175,000 $ 1,175,000 $ 691,000
Russell, Alabama 1 $ 155,000 $ 155,000 $ 86,000
Imperial, California 1 $ 3,855,000 $ 3,855,000 $ 0
Merced, California 1 $ 1,305,000 $ 1,305,000 $ 2,026,000
San Benito, California 1 $ 695,000 $ 695,000 $ 204,000
Santa Cruz, California 1 $ 1,105,000 $ 1,105,000 $ 283,000
Sutter, California 1 $ 735,000 $ 735,000 $ 2,633,000
Yuba, California 1 $ 245,000 $ 245,000 $ 70,000
Broomfield, Colorado 1 $ 155,000 $ 155,000 $ 306,000
Garfield, Colorado 1 $ 1,485,000 $ 1,485,000 $ 0
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Mortgage Loan Application Detail Totals for First Ciitizens Bank and Trust in 2024

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 6,769 $4,625,555,000 $683,000 $39,665,000 $314,000 $9,758,000
Home Improvement 5,732 $1,017,490,000 $177,000 $40,945,000 $186,000 $8,294,000
Other Purpose 5,285 $1,131,655,000 $214,000 $7,645,000 $229,000 $8,339,000
Refinancing 4,989 $1,788,545,000 $358,000 $54,005,000 $229,000 $9,523,000
Cash-out Refinancing 481 $295,845,000 $615,000 $74,005,000 $190,000 $3,619,000
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 16,101 $5,298,075,000 $329,000 $14,005,000 $240,000 $8,339,000
Not Provided 2,434 $952,960,000 $391,000 $13,005,000 $298,000 $9,523,000
Black or African American 1,379 $292,785,000 $212,000 $6,005,000 $154,000 $9,758,000
Hispanic 1,331 $440,985,000 $331,000 $3,725,000 $179,000 $3,574,000
Asian 1,168 $706,930,000 $605,000 $8,385,000 $307,000 $3,193,000
Not applicable 700 $1,127,350,000 $1,610,000 $74,005,000 $234,000 $234,000
American Indian or Alaskan Native 101 $27,725,000 $274,000 $1,525,000 $208,000 $2,889,000
Native Hawaiian or Other Pacific Islander 42 $12,280,000 $292,000 $1,255,000 $218,000 $611,000

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) 22,512 $8,606,770,000 $382,000 $74,005,000 $246,000 $9,758,000
FHA-insured (Federal Housing Administration) 606 $205,570,000 $339,000 $1,125,000 $96,000 $810,000
VA-guaranteed (Veterans Administration) 111 $40,435,000 $364,000 $885,000 $114,000 $289,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 27 $6,315,000 $233,000 $355,000 $80,000 $117,000

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 15,162 $5,978,900,000 $394,000 $74,005,000 $261,000 $9,758,000
Application Denied By Financial Institution 4,874 $1,284,640,000 $263,000 $7,505,000 $154,000 $5,863,000
Application Withdrawn By Applicant 1,278 $679,330,000 $531,000 $16,805,000 $308,000 $6,540,000
File Closed For Incompleteness 912 $354,870,000 $389,000 $5,705,000 $249,000 $6,000,000
Application Approved But Not Accepted 746 $262,290,000 $351,000 $30,005,000 $249,000 $4,356,000
Preapproval Approved but not Accepted 144 $262,420,000 $1,822,000 $9,105,000 $622,000 $3,000,000
Loan Purchased By The Institution 140 $36,640,000 $261,000 $935,000 $99,000 $436,000
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 18,382 $7,574,450,000 $412,000 $74,005,000 $264,000 $9,758,000
Debt-To-Income Ratio 2,567 $761,825,000 $296,000 $7,505,000 $116,000 $2,451,000
Credit History 1,236 $186,630,000 $150,000 $6,005,000 $139,000 $4,800,000
Collateral 524 $161,020,000 $307,000 $5,505,000 $265,000 $5,863,000
Other 379 $124,975,000 $329,000 $4,905,000 $269,000 $5,647,000
Unverifiable Information 113 $27,115,000 $239,000 $1,105,000 $270,000 $1,982,000
Insufficient Cash (Downpayment, Closing Cost) 48 $21,610,000 $450,000 $1,355,000 $182,000 $847,000
Credit Application Incomplete 5 $655,000 $131,000 $205,000 $258,000 $258,000
Employment History 2 $810,000 $405,000 $635,000 $163,000 $284,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Ciitizens Bank and Trust's 2024 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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