First Ciitizens Bank and Trust Mortgage Lending & HMDA Data, 2013
In 2013, First Ciitizens Bank and Trust of Raleigh, NC reported 6,594 mortgage applications totaling $1.2 billion, up 1% from 2012. The average application was for $174,653, and applicants reported an average income of $135,239. 64% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Raleigh-Cary, NC (1,096), Charlotte-Gastonia-Rock Hill, NC-SC (658) and Asheville, NC (358) (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 | 6,594 |
| Total Mortgage Loan Application Amount | $1,151,664,000 |
| Average Mortgage Loan Application Amount | $174,653 |
| Highest Mortgage Loan Application Amount | $2,300,000 |
| Average Applicant Income | $135,239 |
| Highest Applicant Income | $8,300,000 |
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records First Ciitizens Bank and Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Raleigh-Cary, NC | 1,096 | $ 210,168,000 | $ 191,759 | $ 149,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 658 | $ 99,551,000 | $ 151,293 | $ 124,607 |
| Asheville, NC | 358 | $ 75,110,000 | $ 209,804 | $ 113,000 |
| Wilmington, NC | 334 | $ 74,192,000 | $ 222,131 | $ 171,000 |
| Durham-Chapel Hill, NC | 318 | $ 72,968,000 | $ 229,459 | $ 185,000 |
| Greensboro-High Point, NC | 244 | $ 40,629,000 | $ 166,512 | $ 96,000 |
| Hickory-Lenoir-Morganton, NC | 211 | $ 26,926,000 | $ 127,611 | $ 95,000 |
| Winston-Salem, NC | 207 | $ 27,504,000 | $ 132,869 | $ 80,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 177 | $ 21,351,000 | $ 120,627 | $ 178,644 |
| Roanoke, VA | 167 | $ 28,860,000 | $ 172,814 | $ 103,000 |
| Danville, VA | 136 | $ 15,772,000 | $ 115,970 | $ 74,000 |
| Greenville, NC | 122 | $ 22,256,000 | $ 182,426 | $ 143,000 |
| Fayetteville, NC | 120 | $ 13,672,000 | $ 113,933 | $ 115,000 |
| Atlanta-Sandy Springs-Marietta, GA | 86 | $ 12,273,000 | $ 142,709 | $ 140,000 |
| Jacksonville, NC | 77 | $ 13,253,000 | $ 172,116 | $ 112,000 |
| Charlottesville, VA | 56 | $ 12,164,000 | $ 217,214 | $ 177,000 |
| Lynchburg, VA | 54 | $ 7,632,000 | $ 141,333 | $ 80,000 |
| Goldsboro, NC | 41 | $ 5,524,000 | $ 134,731 | $ 97,000 |
| Harrisonburg, VA | 35 | $ 6,802,000 | $ 194,342 | $ 146,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 24 | $ 3,080,000 | $ 128,333 | $ 111,000 |
| Richmond, VA | 23 | $ 4,290,000 | $ 186,521 | $ 129,000 |
| Blacksburg-Christiansburg-Radford, VA | 19 | $ 3,703,000 | $ 194,894 | $ 138,000 |
| Burlington, NC | 19 | $ 2,592,000 | $ 136,421 | $ 78,000 |
| Cape Coral-Fort Myers, FL | 18 | $ 4,814,000 | $ 267,444 | $ 99,000 |
| Rocky Mount, NC | 18 | $ 2,445,000 | $ 135,833 | $ 77,000 |
| Santa Ana-Anaheim-Irvine, CA | 16 | $ 2,795,000 | $ 174,687 | $ 41,000 |
| Riverside-San Bernardino-Ontario, CA | 15 | $ 3,225,000 | $ 215,000 | $ 97,000 |
| Seattle-Bellevue-Everett, WA | 14 | $ 2,261,000 | $ 161,500 | $ 80,000 |
| Houston-Sugar Land-Baytown, TX | 13 | $ 1,775,000 | $ 136,538 | $ 234,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 13 | $ 2,976,000 | $ 228,923 | $ 811,000 |
| Denver-Aurora-Broomfield, CO | 12 | $ 1,874,000 | $ 156,166 | $ 225,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 12 | $ 2,244,000 | $ 187,000 | $ 110,000 |
| Phoenix-Mesa-Glendale, AZ | 12 | $ 1,241,000 | $ 103,416 | $ 41,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 11 | $ 1,999,000 | $ 181,727 | $ 69,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 11 | $ 2,695,000 | $ 245,000 | $ 272,545 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 11 | $ 1,426,000 | $ 129,636 | $ 49,000 |
| Baltimore-Towson, MD | 10 | $ 1,216,000 | $ 121,600 | $ 183,000 |
| Chattanooga, TN-GA | 10 | $ 2,760,000 | $ 276,000 | $ 204,000 |
| Dallas-Plano-Irving, TX | 9 | $ 1,546,000 | $ 171,777 | $ 94,000 |
| Knoxville, TN | 9 | $ 1,945,000 | $ 216,111 | $ 243,000 |
| Austin-Round Rock-San Marcos, TX | 8 | $ 1,141,000 | $ 142,625 | $ 51,000 |
| Greenville-Mauldin-Easley, SC | 8 | $ 6,269,000 | $ 783,625 | $ 365,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 8 | $ 1,530,000 | $ 191,250 | $ 81,000 |
| Albuquerque, NM | 7 | $ 677,000 | $ 96,714 | $ 39,000 |
| Jacksonville, FL | 7 | $ 1,490,000 | $ 212,857 | $ 106,000 |
| Los Angeles-Long Beach-Glendale, CA | 7 | $ 738,000 | $ 105,428 | $ 41,000 |
| Oklahoma City, OK | 6 | $ 1,358,000 | $ 226,333 | $ 57,000 |
| Olympia, WA | 6 | $ 1,056,000 | $ 176,000 | $ 109,000 |
| Winchester, VA-WV | 6 | $ 1,041,000 | $ 173,500 | $ 190,000 |
| Bethesda-Rockville-Frederick, MD | 5 | $ 2,459,000 | $ 491,800 | $ 247,000 |
| Charleston-North Charleston-Summerville, SC | 5 | $ 2,370,000 | $ 474,000 | $ 413,000 |
| Johnson City, TN | 5 | $ 1,161,000 | $ 232,200 | $ 208,000 |
| Kansas City, MO-KS | 5 | $ 470,000 | $ 94,000 | $ 59,800 |
| San Diego-Carlsbad-San Marcos, CA | 5 | $ 962,000 | $ 192,400 | $ 185,000 |
| Tacoma, WA | 5 | $ 635,000 | $ 127,000 | $ 267,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 281,000 | $ 70,250 | $ 152,000 |
| Colorado Springs, CO | 3 | $ 597,000 | $ 199,000 | $ 80,000 |
| Florence, SC | 3 | $ 233,000 | $ 77,666 | $ 35,000 |
| Fort Collins-Loveland, CO | 3 | $ 323,000 | $ 107,666 | $ 40,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 335,000 | $ 111,666 | $ 71,000 |
| Morristown, TN | 3 | $ 392,000 | $ 130,666 | $ 197,000 |
| Naples-Marco Island, FL | 3 | $ 536,000 | $ 178,666 | $ 305,000 |
| Santa Fe, NM | 3 | $ 360,000 | $ 120,000 | $ 31,000 |
| Anderson, SC | 2 | $ 198,000 | $ 99,000 | $ 251,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 405,000 | $ 202,500 | $ 101,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 29,000 | $ 29,000 | $ 70,000 |
| Boulder, CO | 1 | $ 85,000 | $ 85,000 | $ 20,000 |
| Bremerton-Silverdale, WA | 1 | $ 265,000 | $ 265,000 | $ 448,000 |
| Brunswick, GA | 1 | $ 400,000 | $ 400,000 | $ 264,000 |
| Charleston, WV | 1 | $ 305,000 | $ 305,000 | $ 118,000 |
| Columbia, SC | 1 | $ 18,000 | $ 18,000 | $ 21,000 |
| Dalton, GA | 1 | $ 369,000 | $ 369,000 | $ 312,000 |
| Gainesville, FL | 1 | $ 145,000 | $ 145,000 | $ 32,000 |
| Gainesville, GA | 1 | $ 124,000 | $ 124,000 | $ 225,000 |
| Las Cruces, NM | 1 | $ 179,000 | $ 179,000 | $ 98,000 |
| Memphis, TN-MS-AR | 1 | $ 56,000 | $ 56,000 | $ 98,000 |
| Morgantown, WV | 1 | $ 84,000 | $ 84,000 | $ 278,000 |
| Ocala, FL | 1 | $ 79,000 | $ 79,000 | $ 163,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 91,000 | $ 91,000 | $ 99,000 |
| Port St. Lucie, FL | 1 | $ 53,000 | $ 53,000 | $ 52,000 |
| Punta Gorda, FL | 1 | $ 139,000 | $ 139,000 | $ 127,000 |
| Spartanburg, SC | 1 | $ 257,000 | $ 257,000 | $ 91,000 |
| Springfield, MO | 1 | $ 122,000 | $ 122,000 | $ 72,000 |
| Tallahassee, FL | 1 | $ 96,000 | $ 96,000 | $ 75,000 |
| Tucson, AZ | 1 | $ 160,000 | $ 160,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for First Ciitizens Bank and Trust in 2013
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 | 3,190 | $558,642,000 | $175,000 | $1,908,000 | $135,000 | $6,486,000 |
| Refinancing | 2,989 | $559,887,000 | $187,000 | $2,300,000 | $139,000 | $8,300,000 |
| Home Improvement | 415 | $33,135,000 | $79,000 | $965,000 | $110,000 | $1,529,000 |
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 | 4,844 | $884,607,000 | $182,000 | $2,300,000 | $148,000 | $8,300,000 |
| Black or African American | 490 | $70,459,000 | $143,000 | $960,000 | $77,000 | $1,570,000 |
| Not Provided | 412 | $62,030,000 | $150,000 | $1,806,000 | $180,000 | $1,975,000 |
| Not applicable | 392 | $65,155,000 | $166,000 | $1,330,000 | $23,000 | $216,000 |
| Asian | 211 | $34,044,000 | $161,000 | $1,015,000 | $167,000 | $6,484,000 |
| Hispanic | 171 | $24,544,000 | $143,000 | $485,000 | $76,000 | $554,000 |
| American Indian or Alaskan Native | 47 | $5,137,000 | $109,000 | $290,000 | $65,000 | $172,000 |
| Native Hawaiian or Other Pacific Islander | 27 | $5,688,000 | $210,000 | $840,000 | $124,000 | $1,130,000 |
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) | 6,192 | $1,087,253,000 | $175,000 | $2,300,000 | $140,000 | $8,300,000 |
| FHA-insured (Federal Housing Administration) | 158 | $21,928,000 | $138,000 | $343,000 | $62,000 | $237,000 |
| VA-guaranteed (Veterans Administration) | 129 | $27,810,000 | $215,000 | $839,000 | $96,000 | $879,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 115 | $14,673,000 | $127,000 | $254,000 | $42,000 | $72,000 |
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 | 4,222 | $771,211,000 | $182,000 | $2,210,000 | $147,000 | $8,300,000 |
| Application Denied By Financial Institution | 1,005 | $137,304,000 | $136,000 | $1,840,000 | $97,000 | $2,440,000 |
| Application Withdrawn By Applicant | 574 | $110,359,000 | $192,000 | $2,300,000 | $139,000 | $1,975,000 |
| Application Approved But Not Accepted | 276 | $38,812,000 | $140,000 | $1,170,000 | $146,000 | $6,281,000 |
| File Closed For Incompleteness | 260 | $60,678,000 | $233,000 | $1,470,000 | $157,000 | $5,123,000 |
| Loan Purchased By The Institution | 215 | $26,755,000 | $124,000 | $394,000 | $42,000 | $216,000 |
| Preapproval Denied by Financial Institution | 42 | $6,545,000 | $155,000 | $495,000 | $52,000 | $186,000 |
| 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 2013 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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