First Ciitizens Bank and Trust Mortgage Lending & HMDA Data, 2012
In 2012, First Ciitizens Bank and Trust of Raleigh, NC reported 6,521 mortgage applications totaling $1.2 billion, down 10% from 2011. The average application was for $187,059, and applicants reported an average income of $134,080. 62% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Raleigh-Cary, NC (942), Charlotte-Gastonia-Rock Hill, NC-SC (468) and Asheville, NC (431) (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 | 6,521 |
| Total Mortgage Loan Application Amount | $1,219,813,000 |
| Average Mortgage Loan Application Amount | $187,059 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $134,080 |
| Highest Applicant Income | $4,706,000 |
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records First Ciitizens Bank and Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Raleigh-Cary, NC | 942 | $ 184,047,000 | $ 195,378 | $ 164,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 468 | $ 80,363,000 | $ 171,715 | $ 135,777 |
| Asheville, NC | 431 | $ 112,698,000 | $ 261,480 | $ 137,000 |
| Wilmington, NC | 352 | $ 76,734,000 | $ 217,994 | $ 155,000 |
| Hickory-Lenoir-Morganton, NC | 337 | $ 45,355,000 | $ 134,584 | $ 96,000 |
| Durham-Chapel Hill, NC | 278 | $ 78,868,000 | $ 283,697 | $ 203,000 |
| Greensboro-High Point, NC | 211 | $ 41,496,000 | $ 196,663 | $ 151,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 175 | $ 19,969,000 | $ 114,108 | $ 175,074 |
| Winston-Salem, NC | 175 | $ 34,404,000 | $ 196,594 | $ 157,000 |
| Roanoke, VA | 143 | $ 22,775,000 | $ 159,265 | $ 109,000 |
| Greenville, NC | 141 | $ 22,754,000 | $ 161,375 | $ 112,000 |
| Fayetteville, NC | 115 | $ 13,858,000 | $ 120,504 | $ 89,000 |
| Jacksonville, NC | 102 | $ 18,521,000 | $ 181,578 | $ 136,000 |
| Danville, VA | 84 | $ 11,367,000 | $ 135,321 | $ 79,000 |
| Charlottesville, VA | 74 | $ 16,413,000 | $ 221,797 | $ 142,000 |
| Lynchburg, VA | 64 | $ 11,457,000 | $ 179,015 | $ 110,000 |
| Goldsboro, NC | 57 | $ 7,323,000 | $ 128,473 | $ 74,000 |
| Atlanta-Sandy Springs-Marietta, GA | 47 | $ 8,356,000 | $ 177,787 | $ 103,000 |
| Harrisonburg, VA | 39 | $ 8,332,000 | $ 213,641 | $ 154,000 |
| Richmond, VA | 31 | $ 7,545,000 | $ 243,387 | $ 140,000 |
| Blacksburg-Christiansburg-Radford, VA | 26 | $ 4,123,000 | $ 158,576 | $ 105,000 |
| Albuquerque, NM | 23 | $ 2,889,000 | $ 125,608 | $ 25,000 |
| Rocky Mount, NC | 23 | $ 2,908,000 | $ 126,434 | $ 125,000 |
| Kansas City, MO-KS | 19 | $ 1,772,000 | $ 93,263 | $ 8,789 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 19 | $ 3,220,000 | $ 169,473 | $ 198,000 |
| Phoenix-Mesa-Glendale, AZ | 17 | $ 1,832,000 | $ 107,764 | $ 0 |
| Tacoma, WA | 13 | $ 2,851,000 | $ 219,307 | $ 134,000 |
| Charleston-North Charleston-Summerville, SC | 12 | $ 3,695,000 | $ 307,916 | $ 231,000 |
| Greenville-Mauldin-Easley, SC | 12 | $ 4,604,000 | $ 383,666 | $ 396,000 |
| Los Angeles-Long Beach-Glendale, CA | 12 | $ 1,688,000 | $ 140,666 | $ 37,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 12 | $ 1,954,000 | $ 162,833 | $ 98,000 |
| Baltimore-Towson, MD | 11 | $ 1,556,000 | $ 141,454 | $ 115,000 |
| Dallas-Plano-Irving, TX | 11 | $ 1,288,000 | $ 117,090 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 11 | $ 4,319,000 | $ 392,636 | $ 86,000 |
| Burlington, NC | 10 | $ 1,948,000 | $ 194,800 | $ 118,000 |
| Denver-Aurora-Broomfield, CO | 10 | $ 2,098,000 | $ 209,800 | $ 65,000 |
| Houston-Sugar Land-Baytown, TX | 9 | $ 1,191,000 | $ 132,333 | $ 22,000 |
| Seattle-Bellevue-Everett, WA | 9 | $ 2,127,000 | $ 236,333 | $ 20,000 |
| St. Louis, MO-IL | 9 | $ 602,000 | $ 66,888 | $ 29,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 1,416,000 | $ 177,000 | $ 46,000 |
| Jacksonville, FL | 8 | $ 1,044,000 | $ 130,500 | $ 108,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 8 | $ 1,548,000 | $ 193,500 | $ 115,500 |
| Bethesda-Rockville-Frederick, MD | 7 | $ 1,954,000 | $ 279,142 | $ 267,000 |
| Chattanooga, TN-GA | 7 | $ 2,377,000 | $ 339,571 | $ 342,000 |
| Colorado Springs, CO | 7 | $ 1,256,000 | $ 179,428 | $ 22,000 |
| Johnson City, TN | 7 | $ 1,189,000 | $ 169,857 | $ 117,000 |
| Austin-Round Rock-San Marcos, TX | 6 | $ 1,202,000 | $ 200,333 | $ 108,000 |
| Knoxville, TN | 6 | $ 2,035,000 | $ 339,166 | $ 205,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 780,000 | $ 130,000 | $ 48,000 |
| Riverside-San Bernardino-Ontario, CA | 6 | $ 998,000 | $ 166,333 | $ 38,000 |
| Santa Ana-Anaheim-Irvine, CA | 6 | $ 1,224,000 | $ 204,000 | $ 49,000 |
| Santa Fe, NM | 6 | $ 1,193,000 | $ 198,833 | $ 43,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 6 | $ 1,605,000 | $ 267,500 | $ 122,000 |
| Winchester, VA-WV | 6 | $ 715,000 | $ 119,166 | $ 100,000 |
| Detroit-Livonia-Dearborn, MI | 5 | $ 322,000 | $ 64,400 | $ 0 |
| Fort Collins-Loveland, CO | 5 | $ 872,000 | $ 174,400 | $ 43,000 |
| Oklahoma City, OK | 5 | $ 878,000 | $ 175,600 | $ 0 |
| Cape Coral-Fort Myers, FL | 4 | $ 706,000 | $ 176,500 | $ 118,000 |
| Chicago-Joliet-Naperville, IL | 4 | $ 277,000 | $ 69,250 | $ 0 |
| Columbia, SC | 4 | $ 885,000 | $ 221,250 | $ 113,000 |
| Olympia, WA | 4 | $ 1,221,000 | $ 305,250 | $ 70,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 753,000 | $ 188,250 | $ 52,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 4 | $ 539,000 | $ 134,750 | $ 41,000 |
| Boulder, CO | 3 | $ 825,000 | $ 275,000 | $ 25,000 |
| Fort Worth-Arlington, TX | 3 | $ 475,000 | $ 158,333 | $ 23,000 |
| Las Cruces, NM | 3 | $ 205,000 | $ 68,333 | $ 0 |
| Naples-Marco Island, FL | 3 | $ 662,000 | $ 220,666 | $ 29,000 |
| Port St. Lucie, FL | 3 | $ 474,000 | $ 158,000 | $ 106,000 |
| Savannah, GA | 3 | $ 260,000 | $ 86,666 | $ 117,000 |
| Spartanburg, SC | 3 | $ 393,000 | $ 131,000 | $ 130,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 333,000 | $ 111,000 | $ 0 |
| Athens-Clarke County, GA | 2 | $ 184,000 | $ 92,000 | $ 94,000 |
| Florence, SC | 2 | $ 281,000 | $ 140,500 | $ 56,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 470,000 | $ 235,000 | $ 449,000 |
| Morristown, TN | 2 | $ 545,000 | $ 272,500 | $ 220,000 |
| North Port-Bradenton-Sarasota, FL | 2 | $ 825,000 | $ 412,500 | $ 1,023,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 122,000 | $ 61,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 262,000 | $ 131,000 | $ 241,000 |
| Akron, OH | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 1 | $ 75,000 | $ 75,000 | $ 750,000 |
| Brownsville-Harlingen, TX | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Carson City, NV | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Columbia, MO | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Columbus, OH | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Dayton, OH | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Dothan, AL | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Farmington, NM | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Gary, IN | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Greeley, CO | 1 | $ 50,000 | $ 50,000 | $ 94,000 |
| Indianapolis-Carmel, IN | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Jefferson City, MO | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Joplin, MO | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Lakeland-Winter Haven, FL | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 22,000 | $ 22,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Philadelphia, PA | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 39,000 | $ 39,000 | $ 0 |
| San Antonio-New Braunfels, TX | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Shreveport-Bossier City, LA | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Spokane, WA | 1 | $ 154,000 | $ 154,000 | $ 46,000 |
| Springfield, MO | 1 | $ 44,000 | $ 44,000 | $ 0 |
| Springfield, OH | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Tucson, AZ | 1 | $ 51,000 | $ 51,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Ciitizens Bank and Trust in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 3,675 | $740,898,000 | $201,000 | $2,336,000 | $139,000 | $2,870,000 |
| Home Purchase | 2,442 | $436,502,000 | $178,000 | $3,500,000 | $130,000 | $4,706,000 |
| Home Improvement | 404 | $42,413,000 | $104,000 | $1,500,000 | $114,000 | $2,600,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 4,806 | $934,923,000 | $194,000 | $3,500,000 | $141,000 | $4,706,000 |
| Not Provided | 615 | $108,423,000 | $176,000 | $1,260,000 | $183,000 | $3,117,000 |
| Not applicable | 460 | $73,660,000 | $160,000 | $2,336,000 | $10,000 | $604,000 |
| Black or African American | 287 | $38,850,000 | $135,000 | $1,100,000 | $92,000 | $552,000 |
| Asian | 163 | $33,407,000 | $204,000 | $1,000,000 | $187,000 | $1,490,000 |
| Hispanic | 121 | $20,516,000 | $169,000 | $508,000 | $138,000 | $889,000 |
| American Indian or Alaskan Native | 38 | $3,783,000 | $99,000 | $250,000 | $93,000 | $734,000 |
| Native Hawaiian or Other Pacific Islander | 31 | $6,251,000 | $201,000 | $455,000 | $144,000 | $504,000 |
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) | 5,811 | $1,122,411,000 | $193,000 | $3,500,000 | $145,000 | $4,706,000 |
| FHA-insured (Federal Housing Administration) | 405 | $50,819,000 | $125,000 | $377,000 | $40,000 | $367,000 |
| VA-guaranteed (Veterans Administration) | 165 | $29,402,000 | $178,000 | $700,000 | $68,000 | $522,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 140 | $17,181,000 | $122,000 | $275,000 | $40,000 | $133,000 |
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 | 4,071 | $800,646,000 | $196,000 | $2,336,000 | $150,000 | $4,706,000 |
| Application Denied By Financial Institution | 915 | $134,190,000 | $146,000 | $2,000,000 | $91,000 | $1,567,000 |
| Application Withdrawn By Applicant | 681 | $136,562,000 | $200,000 | $1,840,000 | $153,000 | $2,870,000 |
| File Closed For Incompleteness | 304 | $74,564,000 | $245,000 | $3,500,000 | $143,000 | $1,503,000 |
| Loan Purchased By The Institution | 291 | $37,309,000 | $128,000 | $492,000 | $11,000 | $187,000 |
| Application Approved But Not Accepted | 235 | $32,881,000 | $139,000 | $1,400,000 | $134,000 | $1,490,000 |
| Preapproval Denied by Financial Institution | 24 | $3,661,000 | $152,000 | $400,000 | $44,000 | $141,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Ciitizens Bank and Trust's 2012 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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