First Ciitizens Bank and Trust Mortgage Lending & HMDA Data, 2025
In 2025, First Ciitizens Bank and Trust of Raleigh, NC reported 23,032 mortgage applications totaling $8.0 billion, down 1% from 2024. The average application was for $348,323, and applicants reported an average income of $230,168. 62% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Charlotte-Concord-Gastonia, NC-SC (2,240), Raleigh, NC (2,215) and Columbia, SC (1,263) (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 | 23,032 |
| Total Mortgage Loan Application Amount | $8,022,580,000 |
| Average Mortgage Loan Application Amount | $348,323 |
| Highest Mortgage Loan Application Amount | $43,955,000 |
| Average Applicant Income | $230,168 |
| Highest Applicant Income | $9,300,000 |
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records First Ciitizens Bank and Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 3,295 | $ 1,040,145,000 | $ 315,673 | $ 206,597 |
| Charlotte-Concord-Gastonia, NC-SC | 2,240 | $ 612,120,000 | $ 273,267 | $ 217,392 |
| Raleigh, NC | 2,215 | $ 666,695,000 | $ 300,990 | $ 219,000 |
| Columbia, SC | 1,263 | $ 255,665,000 | $ 202,426 | $ 169,000 |
| Charleston-North Charleston, SC | 1,142 | $ 456,970,000 | $ 400,148 | $ 256,000 |
| Wilmington, NC | 985 | $ 326,305,000 | $ 331,274 | $ 241,000 |
| Greenville-Anderson-Mauldin, SC | 799 | $ 236,855,000 | $ 296,439 | $ 196,000 |
| Los Angeles-Long Beach-Glendale, CA | 799 | $ 404,755,000 | $ 506,576 | $ 237,000 |
| Durham-Chapel Hill, NC | 693 | $ 235,725,000 | $ 340,151 | $ 229,000 |
| Asheville, NC | 671 | $ 220,105,000 | $ 328,025 | $ 221,000 |
| Greensboro-High Point, NC | 515 | $ 116,595,000 | $ 226,398 | $ 210,000 |
| Hickory-Lenoir-Morganton, NC | 481 | $ 97,885,000 | $ 203,503 | $ 177,000 |
| Winston-Salem, NC | 431 | $ 84,015,000 | $ 194,930 | $ 171,000 |
| Spartanburg, SC | 414 | $ 85,000,000 | $ 205,314 | $ 147,000 |
| Riverside-San Bernardino-Ontario, CA | 405 | $ 155,255,000 | $ 383,345 | $ 145,000 |
| Fayetteville, NC | 305 | $ 49,815,000 | $ 163,327 | $ 145,000 |
| Augusta-Richmond County, GA-SC | 288 | $ 65,990,000 | $ 229,131 | $ 183,555 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 270 | $ 70,060,000 | $ 259,481 | $ 169,000 |
| Atlanta-Sandy Springs-Roswell, GA | 265 | $ 105,855,000 | $ 399,452 | $ 258,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 260 | $ 129,520,000 | $ 498,153 | $ 348,000 |
| Richmond, VA | 225 | $ 71,735,000 | $ 318,822 | $ 227,000 |
| Florence, SC | 215 | $ 34,935,000 | $ 162,488 | $ 147,000 |
| San Francisco-Redwood City-South San Francisco, CA | 214 | $ 142,250,000 | $ 664,719 | $ 323,000 |
| Roanoke, VA | 209 | $ 43,625,000 | $ 208,732 | $ 185,000 |
| San Diego-Carlsbad, CA | 181 | $ 91,395,000 | $ 504,944 | $ 253,000 |
| Anaheim-Santa Ana-Irvine, CA | 179 | $ 125,765,000 | $ 702,597 | $ 397,000 |
| Pinehurst-Southern Pines, NC | 179 | $ 70,985,000 | $ 396,564 | $ 238,000 |
| Boston, MA | 177 | $ 81,105,000 | $ 458,220 | $ 296,000 |
| Jacksonville, NC | 160 | $ 34,570,000 | $ 216,062 | $ 153,000 |
| Greenville, NC | 159 | $ 46,715,000 | $ 293,805 | $ 208,000 |
| Phoenix-Mesa-Scottsdale, AZ | 134 | $ 51,720,000 | $ 385,970 | $ 312,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 131 | $ 65,135,000 | $ 497,213 | $ 231,000 |
| Arlington-Alexandria-Reston, VA-WV | 113 | $ 50,965,000 | $ 451,017 | $ 309,442 |
| Lynchburg, VA | 100 | $ 23,670,000 | $ 236,700 | $ 187,000 |
| Marietta, GA | 100 | $ 32,740,000 | $ 327,400 | $ 256,000 |
| Charlottesville, VA | 94 | $ 28,650,000 | $ 304,787 | $ 263,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 90 | $ 40,300,000 | $ 447,777 | $ 326,000 |
| Savannah, GA | 87 | $ 22,415,000 | $ 257,643 | $ 252,000 |
| Cambridge-Newton-Framingham, MA | 86 | $ 76,750,000 | $ 892,441 | $ 410,000 |
| Milwaukee-Waukesha-West Allis, WI | 85 | $ 23,855,000 | $ 280,647 | $ 171,000 |
| Oakland-Hayward-Berkeley, CA | 85 | $ 47,565,000 | $ 559,588 | $ 346,000 |
| Miami-Miami Beach-Kendall, FL | 79 | $ 74,655,000 | $ 945,000 | $ 496,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 77 | $ 56,435,000 | $ 732,922 | $ 337,000 |
| Sumter, SC | 75 | $ 11,915,000 | $ 158,866 | $ 126,000 |
| Goldsboro, NC | 69 | $ 8,645,000 | $ 125,289 | $ 115,000 |
| Denver-Aurora-Lakewood, CO | 66 | $ 31,960,000 | $ 484,242 | $ 284,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 65 | $ 35,245,000 | $ 542,230 | $ 339,000 |
| Orlando-Kissimmee-Sanford, FL | 59 | $ 22,425,000 | $ 380,084 | $ 204,000 |
| Athens-Clarke County, GA | 58 | $ 8,130,000 | $ 140,172 | $ 95,000 |
| Houston-The Woodlands-Sugar Land, TX | 58 | $ 32,920,000 | $ 567,586 | $ 483,000 |
| Seattle-Bellevue-Everett, WA | 58 | $ 56,510,000 | $ 974,310 | $ 483,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 56 | $ 30,420,000 | $ 543,214 | $ 315,000 |
| New York-Jersey City-White Plains, NY-NJ | 55 | $ 88,825,000 | $ 1,615,000 | $ 1,005,890 |
| Jacksonville, FL | 53 | $ 16,785,000 | $ 316,698 | $ 301,000 |
| Dallas-Plano-Irving, TX | 52 | $ 115,620,000 | $ 2,223,461 | $ 494,000 |
| Tampa, FL | 52 | $ 21,800,000 | $ 419,230 | $ 274,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 48 | $ 21,730,000 | $ 452,708 | $ 301,000 |
| Knoxville, TN | 45 | $ 18,605,000 | $ 413,444 | $ 283,000 |
| Las Vegas-Henderson-Paradise, NV | 45 | $ 17,785,000 | $ 395,222 | $ 453,000 |
| Rocky Mount, NC | 42 | $ 7,700,000 | $ 183,333 | $ 115,000 |
| Albuquerque, NM | 41 | $ 19,155,000 | $ 467,195 | $ 341,000 |
| Burlington, NC | 40 | $ 10,970,000 | $ 274,250 | $ 164,000 |
| Oklahoma City, OK | 40 | $ 11,070,000 | $ 276,750 | $ 223,000 |
| Austin-Round Rock, TX | 39 | $ 20,955,000 | $ 537,307 | $ 251,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 38 | $ 17,170,000 | $ 451,842 | $ 319,210 |
| Tucson, AZ | 38 | $ 9,490,000 | $ 249,736 | $ 203,000 |
| Baltimore-Columbia-Towson, MD | 36 | $ 14,440,000 | $ 401,111 | $ 402,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 35 | $ 9,975,000 | $ 285,000 | $ 216,057 |
| Naples-Immokalee-Marco Island, FL | 32 | $ 18,060,000 | $ 564,375 | $ 468,000 |
| Blacksburg-Christiansburg-Radford, VA | 29 | $ 6,815,000 | $ 235,000 | $ 225,000 |
| Harrisonburg, VA | 29 | $ 6,395,000 | $ 220,517 | $ 170,000 |
| Kansas City, MO-KS | 28 | $ 15,500,000 | $ 553,571 | $ 250,714 |
| Staunton-Waynesboro, VA | 27 | $ 3,195,000 | $ 118,333 | $ 104,000 |
| Chattanooga, TN-GA | 24 | $ 6,490,000 | $ 270,416 | $ 153,625 |
| Tacoma-Lakewood, WA | 24 | $ 10,540,000 | $ 439,166 | $ 348,000 |
| Johnson City, TN | 23 | $ 9,675,000 | $ 420,652 | $ 342,000 |
| St. Petersburg-Clearwater-Largo, FL | 22 | $ 7,740,000 | $ 351,818 | $ 185,000 |
| North Port-Sarasota-Bradenton, FL | 20 | $ 11,120,000 | $ 556,000 | $ 301,000 |
| Chicago-Naperville, IL | 19 | $ 17,415,000 | $ 916,578 | $ 487,000 |
| Omaha-Council Bluffs, NE-IA | 18 | $ 4,400,000 | $ 244,444 | $ 182,000 |
| Cape Coral-Fort Myers, FL | 17 | $ 7,875,000 | $ 463,235 | $ 365,000 |
| Nassau County-Suffolk County, NY | 17 | $ 42,585,000 | $ 2,505,000 | $ 1,365,000 |
| Washington, DC-MD | 17 | $ 11,835,000 | $ 696,176 | $ 976,941 |
| Everett, WA | 15 | $ 9,035,000 | $ 602,333 | $ 272,000 |
| San Rafael, CA | 15 | $ 26,195,000 | $ 1,746,333 | $ 716,000 |
| Washington-Baltimore-Arlington, DC | 15 | $ 10,905,000 | $ 727,000 | $ 327,000 |
| Olympia-Tumwater, WA | 14 | $ 4,230,000 | $ 302,142 | $ 179,000 |
| San Antonio-New Braunfels, TX | 14 | $ 9,180,000 | $ 655,714 | $ 262,000 |
| Boulder, CO | 12 | $ 14,300,000 | $ 1,191,666 | $ 669,000 |
| Gainesville, GA | 12 | $ 3,990,000 | $ 332,500 | $ 230,000 |
| Santa Fe, NM | 12 | $ 3,290,000 | $ 274,166 | $ 353,000 |
| Bridgeport-Stamford-Norwalk, CT | 11 | $ 17,555,000 | $ 1,595,909 | $ 880,000 |
| Newark, NJ-PA | 11 | $ 9,785,000 | $ 889,545 | $ 400,000 |
| Port St. Lucie, FL | 11 | $ 6,345,000 | $ 576,818 | $ 384,000 |
| Reno, NV | 11 | $ 11,965,000 | $ 1,087,727 | $ 364,000 |
| Stockton-Lodi, CA | 10 | $ 4,830,000 | $ 483,000 | $ 258,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 9 | $ 2,345,000 | $ 260,555 | $ 210,000 |
| Colorado Springs, CO | 8 | $ 5,280,000 | $ 660,000 | $ 272,000 |
| Fort Worth-Arlington, TX | 8 | $ 3,090,000 | $ 386,250 | $ 275,000 |
| Fresno, CA | 8 | $ 5,470,000 | $ 683,750 | $ 265,000 |
| Lincoln, NE | 8 | $ 1,220,000 | $ 152,500 | $ 93,000 |
| Napa, CA | 8 | $ 5,010,000 | $ 626,250 | $ 226,000 |
| Providence-Warwick, RI-MA | 8 | $ 8,230,000 | $ 1,028,750 | $ 462,375 |
| Columbus, OH | 7 | $ 4,085,000 | $ 583,571 | $ 574,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 14,185,000 | $ 2,026,428 | $ 1,489,000 |
| Santa Rosa, CA | 7 | $ 42,875,000 | $ 6,125,000 | $ 2,218,000 |
| Winchester, VA-WV | 7 | $ 2,065,000 | $ 295,000 | $ 149,000 |
| Bakersfield, CA | 6 | $ 1,980,000 | $ 330,000 | $ 135,000 |
| Detroit-Dearborn-Livonia, MI | 6 | $ 310,000 | $ 51,666 | $ 129,000 |
| Kingsport-Bristol-Bristol, TN-VA | 6 | $ 2,480,000 | $ 413,333 | $ 155,833 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 2,270,000 | $ 378,333 | $ 122,000 |
| Salt Lake City, UT | 6 | $ 3,730,000 | $ 621,666 | $ 421,000 |
| Santa Maria-Santa Barbara, CA | 6 | $ 5,980,000 | $ 996,666 | $ 903,000 |
| Albany-Schenectady-Troy, NY | 5 | $ 1,095,000 | $ 219,000 | $ 68,000 |
| Barnstable Town, MA | 5 | $ 7,425,000 | $ 1,485,000 | $ 934,000 |
| Bend-Redmond, OR | 5 | $ 2,675,000 | $ 535,000 | $ 374,000 |
| Macon-Bibb County, GA | 5 | $ 475,000 | $ 95,000 | $ 150,000 |
| Montgomery County-Bucks County-Chester County, PA | 5 | $ 3,105,000 | $ 621,000 | $ 475,000 |
| Pittsburgh, PA | 5 | $ 4,005,000 | $ 801,000 | $ 387,000 |
| Provo-Orem, UT | 5 | $ 2,925,000 | $ 585,000 | $ 520,000 |
| Racine, WI | 5 | $ 975,000 | $ 195,000 | $ 97,000 |
| Worcester, MA-CT | 5 | $ 3,555,000 | $ 711,000 | $ 299,000 |
| Cincinnati, OH-KY-IN | 4 | $ 2,030,000 | $ 507,500 | $ 425,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 1,000,000 | $ 250,000 | $ 65,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 790,000 | $ 197,500 | $ 204,000 |
| Lakewood-New Brunswick, NJ | 4 | $ 3,480,000 | $ 870,000 | $ 207,000 |
| Memphis, TN-MS-AR | 4 | $ 940,000 | $ 235,000 | $ 145,000 |
| Salinas, CA | 4 | $ 6,530,000 | $ 1,632,500 | $ 1,918,000 |
| Wichita, KS | 4 | $ 1,360,000 | $ 340,000 | $ 262,000 |
| Wildwood-The Villages, FL | 4 | $ 1,680,000 | $ 420,000 | $ 524,000 |
| Brunswick, GA | 3 | $ 2,515,000 | $ 838,333 | $ 262,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 3 | $ 435,000 | $ 145,000 | $ 197,000 |
| Huntsville, AL | 3 | $ 905,000 | $ 301,666 | $ 196,000 |
| Kennewick-Richland, WA | 3 | $ 3,285,000 | $ 1,095,000 | $ 428,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 3 | $ 3,875,000 | $ 1,291,666 | $ 900,000 |
| Las Cruces, NM | 3 | $ 1,195,000 | $ 398,333 | $ 230,000 |
| Lexington Park, MD | 3 | $ 2,715,000 | $ 905,000 | $ 409,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 1,075,000 | $ 358,333 | $ 102,000 |
| Portland-South Portland, ME | 3 | $ 3,165,000 | $ 1,055,000 | $ 431,000 |
| Rochester, NY | 3 | $ 1,505,000 | $ 501,666 | $ 318,000 |
| Rome, GA | 3 | $ 1,195,000 | $ 398,333 | $ 456,000 |
| Tulsa, OK | 3 | $ 915,000 | $ 305,000 | $ 134,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 720,000 | $ 360,000 | $ 96,500 |
| Appleton, WI | 2 | $ 2,310,000 | $ 1,155,000 | $ 766,000 |
| Beckley, WV | 2 | $ 50,000 | $ 25,000 | $ 138,000 |
| Charleston, WV | 2 | $ 520,000 | $ 260,000 | $ 573,000 |
| Cleveland, OH | 2 | $ 570,000 | $ 285,000 | $ 0 |
| College Station-Bryan, TX | 2 | $ 810,000 | $ 405,000 | $ 212,000 |
| El Paso, TX | 2 | $ 520,000 | $ 260,000 | $ 193,000 |
| Eugene, OR | 2 | $ 870,000 | $ 435,000 | $ 406,000 |
| Florence-Muscle Shoals, AL | 2 | $ 1,100,000 | $ 550,000 | $ 180,000 |
| Fond Du Lac, WI | 2 | $ 950,000 | $ 475,000 | $ 289,000 |
| Greeley, CO | 2 | $ 1,290,000 | $ 645,000 | $ 328,000 |
| Homosassa Springs, FL | 2 | $ 410,000 | $ 205,000 | $ 147,000 |
| Jackson, TN | 2 | $ 2,680,000 | $ 1,340,000 | $ 1,327,000 |
| Kahului-Wailuku-Lahaina, HI | 2 | $ 2,180,000 | $ 1,090,000 | $ 461,000 |
| Kenosha, WI | 2 | $ 640,000 | $ 320,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 2 | $ 830,000 | $ 415,000 | $ 0 |
| Lawton, OK | 2 | $ 1,050,000 | $ 525,000 | $ 223,000 |
| Lubbock, TX | 2 | $ 720,000 | $ 360,000 | $ 246,000 |
| Medford, OR | 2 | $ 1,000,000 | $ 500,000 | $ 217,000 |
| Morristown, TN | 2 | $ 640,000 | $ 320,000 | $ 120,000 |
| Oshkosh-Neenah, WI | 2 | $ 390,000 | $ 195,000 | $ 129,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 700,000 | $ 350,000 | $ 118,000 |
| Pueblo, CO | 2 | $ 570,000 | $ 285,000 | $ 208,000 |
| Reading, PA | 2 | $ 790,000 | $ 395,000 | $ 150,000 |
| Salem, OR | 2 | $ 990,000 | $ 495,000 | $ 195,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,790,000 | $ 895,000 | $ 328,000 |
| Sebastian-Vero Beach, FL | 2 | $ 2,610,000 | $ 1,305,000 | $ 628,000 |
| Sheboygan, WI | 2 | $ 400,000 | $ 200,000 | $ 72,000 |
| St. George, UT | 2 | $ 2,300,000 | $ 1,150,000 | $ 404,000 |
| St. Louis, MO-IL | 2 | $ 580,000 | $ 290,000 | $ 326,000 |
| Tallahassee, FL | 2 | $ 830,000 | $ 415,000 | $ 291,000 |
| Tuscaloosa, AL | 2 | $ 290,000 | $ 145,000 | $ 174,000 |
| Tyler, TX | 2 | $ 670,000 | $ 335,000 | $ 176,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 570,000 | $ 285,000 | $ 109,000 |
| Yuba City, CA | 2 | $ 550,000 | $ 275,000 | $ 145,000 |
| Akron, OH | 1 | $ 435,000 | $ 435,000 | $ 177,000 |
| Amarillo, TX | 1 | $ 305,000 | $ 305,000 | $ 279,000 |
| Amherst Town-Northampton, MA | 1 | $ 325,000 | $ 325,000 | $ 186,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 605,000 | $ 605,000 | $ 236,000 |
| Beaumont-Port Arthur, TX | 1 | $ 2,505,000 | $ 2,505,000 | $ 665,000 |
| Bozeman, MT | 1 | $ 43,955,000 | $ 43,955,000 | $ 0 |
| Brownsville-Harlingen, TX | 1 | $ 225,000 | $ 225,000 | $ 105,000 |
| Carson City, NV | 1 | $ 805,000 | $ 805,000 | $ 213,000 |
| Champaign-Urbana, IL | 1 | $ 345,000 | $ 345,000 | $ 525,000 |
| Clarksville, TN-KY | 1 | $ 955,000 | $ 955,000 | $ 740,000 |
| Cleveland, TN | 1 | $ 485,000 | $ 485,000 | $ 107,000 |
| Coeur D'Alene, ID | 1 | $ 2,245,000 | $ 2,245,000 | $ 1,006,000 |
| Columbia, MO | 1 | $ 335,000 | $ 335,000 | $ 115,000 |
| Corvallis, OR | 1 | $ 255,000 | $ 255,000 | $ 139,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 285,000 | $ 285,000 | $ 165,000 |
| Des Moines-West Des Moines, IA | 1 | $ 375,000 | $ 375,000 | $ 0 |
| El Centro, CA | 1 | $ 255,000 | $ 255,000 | $ 51,000 |
| Elgin, IL | 1 | $ 345,000 | $ 345,000 | $ 115,000 |
| Flagstaff, AZ | 1 | $ 105,000 | $ 105,000 | $ 405,000 |
| Fort Collins, CO | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Gainesville, FL | 1 | $ 205,000 | $ 205,000 | $ 136,000 |
| Grand Junction, CO | 1 | $ 275,000 | $ 275,000 | $ 900,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 565,000 | $ 565,000 | $ 0 |
| Grants Pass, OR | 1 | $ 765,000 | $ 765,000 | $ 477,000 |
| Green Bay, WI | 1 | $ 155,000 | $ 155,000 | $ 47,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 465,000 | $ 465,000 | $ 447,000 |
| Kingston, NY | 1 | $ 2,045,000 | $ 2,045,000 | $ 1,208,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 705,000 | $ 705,000 | $ 360,000 |
| Lawrence, KS | 1 | $ 285,000 | $ 285,000 | $ 346,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 425,000 | $ 425,000 | $ 268,000 |
| Manchester-Nashua, NH | 1 | $ 735,000 | $ 735,000 | $ 304,000 |
| Merced, CA | 1 | $ 455,000 | $ 455,000 | $ 146,000 |
| Midland, TX | 1 | $ 785,000 | $ 785,000 | $ 250,000 |
| Modesto, CA | 1 | $ 335,000 | $ 335,000 | $ 395,000 |
| Montgomery, AL | 1 | $ 1,965,000 | $ 1,965,000 | $ 441,000 |
| Morgantown, WV | 1 | $ 2,325,000 | $ 2,325,000 | $ 1,113,000 |
| New Haven-Milford, CT | 1 | $ 485,000 | $ 485,000 | $ 430,000 |
| Ogden-Clearfield, UT | 1 | $ 1,955,000 | $ 1,955,000 | $ 1,068,000 |
| Panama City, FL | 1 | $ 445,000 | $ 445,000 | $ 358,000 |
| Parkersburg-Vienna, WV | 1 | $ 225,000 | $ 225,000 | $ 137,000 |
| Philadelphia, PA | 1 | $ 955,000 | $ 955,000 | $ 665,000 |
| Pittsfield, MA | 1 | $ 1,155,000 | $ 1,155,000 | $ 390,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 1,245,000 | $ 1,245,000 | $ 189,000 |
| Punta Gorda, FL | 1 | $ 275,000 | $ 275,000 | $ 711,000 |
| Rockingham County-Strafford County, NH | 1 | $ 1,685,000 | $ 1,685,000 | $ 522,000 |
| Salisbury, MD-DE | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 905,000 | $ 905,000 | $ 214,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 1,415,000 | $ 1,415,000 | $ 1,172,000 |
| Sherman-Denison, TX | 1 | $ 505,000 | $ 505,000 | $ 322,000 |
| Spokane-Spokane Valley, WA | 1 | $ 485,000 | $ 485,000 | $ 209,000 |
| Springfield, MA | 1 | $ 455,000 | $ 455,000 | $ 120,000 |
| Syracuse, NY | 1 | $ 205,000 | $ 205,000 | $ 129,000 |
| Trenton, NJ | 1 | $ 785,000 | $ 785,000 | $ 239,000 |
| Urban Honolulu, HI | 1 | $ 1,095,000 | $ 1,095,000 | $ 229,000 |
| Walla Walla, WA | 1 | $ 1,315,000 | $ 1,315,000 | $ 2,268,000 |
| Warner Robins, GA | 1 | $ 105,000 | $ 105,000 | $ 115,000 |
| Waterbury-Shelton, CT | 1 | $ 595,000 | $ 595,000 | $ 170,000 |
| Wenatchee, WA | 1 | $ 575,000 | $ 575,000 | $ 925,000 |
| Yakima, WA | 1 | $ 745,000 | $ 745,000 | $ 427,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 225,000 | $ 225,000 | $ 8,700,000 |
| Yuma, AZ | 1 | $ 485,000 | $ 485,000 | $ 149,000 |
Mortgage Loan Application Detail Totals for First Ciitizens Bank and Trust in 2025
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 | 8,294 | $4,190,200,000 | $505,000 | $30,095,000 | $245,000 | $9,300,000 |
| Home Improvement | 5,047 | $889,175,000 | $176,000 | $6,005,000 | $203,000 | $5,343,000 |
| Refinancing | 4,852 | $1,740,790,000 | $358,000 | $43,955,000 | $245,000 | $7,705,000 |
| Other Purpose | 3,977 | $933,285,000 | $234,000 | $10,005,000 | $233,000 | $9,297,000 |
| Cash-out Refinancing | 862 | $269,130,000 | $312,000 | $5,505,000 | $150,000 | $5,189,000 |
| 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 | 15,625 | $5,291,195,000 | $338,000 | $13,505,000 | $241,000 | $8,700,000 |
| Not Provided | 2,139 | $850,665,000 | $397,000 | $7,365,000 | $272,000 | $5,431,000 |
| Hispanic | 1,850 | $536,650,000 | $290,000 | $4,875,000 | $151,000 | $3,000,000 |
| Black or African American | 1,623 | $353,255,000 | $217,000 | $2,905,000 | $128,000 | $1,932,000 |
| Asian | 1,220 | $574,660,000 | $471,000 | $6,605,000 | $282,000 | $9,300,000 |
| Not applicable | 438 | $383,160,000 | $874,000 | $43,955,000 | $0 | $0 |
| American Indian or Alaskan Native | 96 | $23,420,000 | $243,000 | $1,505,000 | $152,000 | $724,000 |
| Native Hawaiian or Other Pacific Islander | 41 | $9,575,000 | $233,000 | $1,215,000 | $167,000 | $529,000 |
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) | 22,362 | $7,795,260,000 | $348,000 | $43,955,000 | $234,000 | $9,300,000 |
| FHA-insured (Federal Housing Administration) | 550 | $184,850,000 | $336,000 | $1,235,000 | $93,000 | $1,260,000 |
| VA-guaranteed (Veterans Administration) | 98 | $37,070,000 | $378,000 | $1,645,000 | $138,000 | $624,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $5,400,000 | $245,000 | $455,000 | $77,000 | $126,000 |
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 | 14,381 | $5,025,625,000 | $349,000 | $43,955,000 | $253,000 | $9,297,000 |
| Application Denied By Financial Institution | 4,354 | $1,206,880,000 | $277,000 | $7,835,000 | $157,000 | $7,705,000 |
| Application Withdrawn By Applicant | 1,497 | $683,965,000 | $456,000 | $10,005,000 | $273,000 | $9,300,000 |
| Loan Purchased By The Institution | 1,107 | $299,465,000 | $270,000 | $915,000 | $98,000 | $683,000 |
| File Closed For Incompleteness | 954 | $425,460,000 | $445,000 | $10,005,000 | $255,000 | $4,236,000 |
| Application Approved But Not Accepted | 645 | $191,045,000 | $296,000 | $13,505,000 | $250,000 | $5,431,000 |
| Preapproval Approved but not Accepted | 93 | $188,855,000 | $2,030,000 | $6,605,000 | $675,000 | $2,264,000 |
| Preapproval Denied by Financial Institution | 1 | $1,285,000 | $1,285,000 | $1,285,000 | $304,000 | $304,000 |
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 | 18,677 | $6,814,415,000 | $364,000 | $43,955,000 | $247,000 | $9,300,000 |
| Debt-To-Income Ratio | 2,303 | $750,595,000 | $325,000 | $7,835,000 | $124,000 | $2,671,000 |
| Credit History | 928 | $145,130,000 | $156,000 | $2,105,000 | $144,000 | $3,000,000 |
| Collateral | 470 | $117,140,000 | $249,000 | $2,465,000 | $235,000 | $4,877,000 |
| Other | 420 | $127,950,000 | $304,000 | $5,005,000 | $275,000 | $7,705,000 |
| Unverifiable Information | 142 | $33,160,000 | $233,000 | $1,505,000 | $194,000 | $1,348,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 85 | $32,695,000 | $384,000 | $4,205,000 | $130,000 | $770,000 |
| Employment History | 6 | $1,330,000 | $221,000 | $475,000 | $118,000 | $397,000 |
| Credit Application Incomplete | 1 | $165,000 | $165,000 | $165,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Ciitizens Bank and Trust's 2025 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.
For a list of all lenders in North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.
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