First Ciitizens Bank and Trust Mortgage Lending & HMDA Data, 2014
In 2014, First Ciitizens Bank and Trust of Raleigh, NC reported 5,410 mortgage applications totaling $977.5 million, down 18% from 2013. The average application was for $180,688, and applicants reported an average income of $118,642. 63% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Raleigh, NC (759), Charlotte-Concord-Gastonia, NC-SC (628) and Asheville, NC (288) (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 | 5,410 |
| Total Mortgage Loan Application Amount | $977,524,000 |
| Average Mortgage Loan Application Amount | $180,688 |
| Highest Mortgage Loan Application Amount | $5,500,000 |
| Average Applicant Income | $118,642 |
| Highest Applicant Income | $2,732,000 |
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records First Ciitizens Bank and Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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, NC | 759 | $ 156,160,000 | $ 205,744 | $ 126,000 |
| Charlotte-Concord-Gastonia, NC-SC | 628 | $ 99,272,000 | $ 158,076 | $ 120,074 |
| Asheville, NC | 288 | $ 70,766,000 | $ 245,715 | $ 124,000 |
| Winston-Salem, NC | 250 | $ 36,342,000 | $ 145,368 | $ 81,000 |
| Greensboro-High Point, NC | 243 | $ 40,649,000 | $ 167,279 | $ 101,000 |
| Durham-Chapel Hill, NC | 237 | $ 66,851,000 | $ 282,071 | $ 187,000 |
| Wilmington, NC | 181 | $ 44,383,000 | $ 245,209 | $ 157,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 154 | $ 17,529,000 | $ 113,824 | $ 148,090 |
| Hickory-Lenoir-Morganton, NC | 144 | $ 18,909,000 | $ 131,312 | $ 72,000 |
| New Bern, NC | 139 | $ 26,224,000 | $ 188,661 | $ 100,000 |
| Fayetteville, NC | 132 | $ 19,409,000 | $ 147,037 | $ 135,000 |
| Roanoke, VA | 115 | $ 20,284,000 | $ 176,382 | $ 130,000 |
| Atlanta-Sandy Springs-Roswell, GA | 92 | $ 16,400,000 | $ 178,260 | $ 180,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 91 | $ 21,848,000 | $ 240,087 | $ 173,780 |
| Greenville, NC | 71 | $ 13,245,000 | $ 186,549 | $ 72,000 |
| Jacksonville, NC | 58 | $ 7,521,000 | $ 129,672 | $ 94,000 |
| Lynchburg, VA | 56 | $ 10,589,000 | $ 189,089 | $ 96,000 |
| Charlottesville, VA | 54 | $ 8,593,000 | $ 159,129 | $ 140,000 |
| Goldsboro, NC | 38 | $ 5,363,000 | $ 141,131 | $ 96,000 |
| Phoenix-Mesa-Scottsdale, AZ | 27 | $ 3,807,000 | $ 141,000 | $ 92,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 25 | $ 4,256,000 | $ 170,240 | $ 97,000 |
| Blacksburg-Christiansburg-Radford, VA | 22 | $ 2,151,000 | $ 97,772 | $ 104,000 |
| Memphis, TN-MS-AR | 22 | $ 1,147,000 | $ 52,136 | $ 130,000 |
| Harrisonburg, VA | 20 | $ 3,132,000 | $ 156,600 | $ 133,000 |
| Richmond, VA | 20 | $ 3,605,000 | $ 180,250 | $ 133,000 |
| Kansas City, MO-KS | 19 | $ 2,352,000 | $ 123,789 | $ 33,052 |
| San Diego-Carlsbad, CA | 19 | $ 3,092,000 | $ 162,736 | $ 52,000 |
| Seattle-Bellevue-Everett, WA | 19 | $ 2,829,000 | $ 148,894 | $ 47,000 |
| Burlington, NC | 18 | $ 4,338,000 | $ 241,000 | $ 133,000 |
| Cape Coral-Fort Myers, FL | 17 | $ 2,334,000 | $ 137,294 | $ 60,000 |
| Rocky Mount, NC | 17 | $ 2,264,000 | $ 133,176 | $ 63,000 |
| Dallas-Plano-Irving, TX | 16 | $ 1,822,000 | $ 113,875 | $ 51,000 |
| Oklahoma City, OK | 16 | $ 2,305,000 | $ 144,062 | $ 191,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 16 | $ 2,665,000 | $ 166,562 | $ 110,687 |
| Riverside-San Bernardino-Ontario, CA | 16 | $ 1,993,000 | $ 124,562 | $ 37,000 |
| Staunton-Waynesboro, VA | 16 | $ 2,007,000 | $ 125,437 | $ 97,000 |
| Baltimore-Columbia-Towson, MD | 15 | $ 3,490,000 | $ 232,666 | $ 152,000 |
| Los Angeles-Long Beach-Glendale, CA | 14 | $ 2,511,000 | $ 179,357 | $ 42,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 12 | $ 1,767,000 | $ 147,250 | $ 66,000 |
| Houston-The Woodlands-Sugar Land, TX | 11 | $ 1,378,000 | $ 125,272 | $ 68,000 |
| Austin-Round Rock, TX | 10 | $ 2,143,000 | $ 214,300 | $ 91,000 |
| Greenville-Anderson-Mauldin, SC | 10 | $ 5,363,000 | $ 536,300 | $ 399,000 |
| Charleston-North Charleston, SC | 9 | $ 2,912,000 | $ 323,555 | $ 224,000 |
| Denver-Aurora-Lakewood, CO | 9 | $ 2,211,000 | $ 245,666 | $ 173,000 |
| Jacksonville, FL | 9 | $ 1,430,000 | $ 158,888 | $ 93,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 9 | $ 1,226,000 | $ 136,222 | $ 52,000 |
| Albuquerque, NM | 8 | $ 1,657,000 | $ 207,125 | $ 107,000 |
| Silver Spring-Frederick-Rockville, MD | 8 | $ 1,137,000 | $ 142,125 | $ 157,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 8 | $ 1,032,000 | $ 129,000 | $ 204,750 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 1,092,000 | $ 156,000 | $ 176,000 |
| Naples-Immokalee-Marco Island, FL | 7 | $ 2,114,000 | $ 302,000 | $ 182,000 |
| Spartanburg, SC | 7 | $ 983,000 | $ 140,428 | $ 85,000 |
| Tacoma-Lakewood, WA | 6 | $ 1,776,000 | $ 296,000 | $ 143,000 |
| Anaheim-Santa Ana-Irvine, CA | 5 | $ 6,033,000 | $ 1,206,600 | $ 259,000 |
| Johnson City, TN | 5 | $ 777,000 | $ 155,400 | $ 198,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 1,109,000 | $ 277,250 | $ 143,000 |
| Chattanooga, TN-GA | 4 | $ 757,000 | $ 189,250 | $ 108,500 |
| Knoxville, TN | 4 | $ 858,000 | $ 214,500 | $ 108,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 1,226,000 | $ 306,500 | $ 158,000 |
| Boulder, CO | 3 | $ 1,166,000 | $ 388,666 | $ 201,000 |
| Columbia, SC | 3 | $ 205,000 | $ 68,333 | $ 72,000 |
| Olympia-Tumwater, WA | 3 | $ 720,000 | $ 240,000 | $ 46,000 |
| Port St. Lucie, FL | 3 | $ 328,000 | $ 109,333 | $ 83,000 |
| Santa Fe, NM | 3 | $ 1,062,000 | $ 354,000 | $ 111,000 |
| Fort Collins, CO | 2 | $ 278,000 | $ 139,000 | $ 38,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 253,000 | $ 126,500 | $ 115,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 330,000 | $ 165,000 | $ 719,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 325,000 | $ 162,500 | $ 39,000 |
| Winchester, VA-WV | 2 | $ 323,000 | $ 161,500 | $ 46,000 |
| Brunswick, GA | 1 | $ 650,000 | $ 650,000 | $ 475,000 |
| Columbus, GA-AL | 1 | $ 272,000 | $ 272,000 | $ 195,000 |
| Fort Smith, AR-OK | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Greeley, CO | 1 | $ 278,000 | $ 278,000 | $ 130,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 40,000 | $ 40,000 | $ 157,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 291,000 | $ 291,000 | $ 271,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 94,000 | $ 94,000 | $ 96,000 |
| St. Louis, MO-IL | 1 | $ 275,000 | $ 275,000 | $ 86,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 71,000 | $ 71,000 | $ 29,000 |
Mortgage Loan Application Detail Totals for First Ciitizens Bank and Trust in 2014
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 | 3,362 | $637,362,000 | $189,000 | $5,500,000 | $121,000 | $2,732,000 |
| Refinancing | 1,722 | $308,926,000 | $179,000 | $2,100,000 | $117,000 | $1,344,000 |
| Home Improvement | 326 | $31,236,000 | $95,000 | $1,412,000 | $103,000 | $854,000 |
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 | 3,678 | $703,165,000 | $191,000 | $5,500,000 | $131,000 | $2,510,000 |
| Black or African American | 573 | $89,045,000 | $155,000 | $2,980,000 | $84,000 | $2,732,000 |
| Not applicable | 420 | $63,367,000 | $150,000 | $1,412,000 | $28,000 | $390,000 |
| Not Provided | 332 | $46,430,000 | $139,000 | $910,000 | $151,000 | $854,000 |
| Asian | 188 | $39,554,000 | $210,000 | $1,259,000 | $161,000 | $682,000 |
| Hispanic | 170 | $29,485,000 | $173,000 | $770,000 | $100,000 | $768,000 |
| American Indian or Alaskan Native | 37 | $4,862,000 | $131,000 | $417,000 | $100,000 | $520,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $1,616,000 | $134,000 | $234,000 | $82,000 | $151,000 |
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) | 4,976 | $912,625,000 | $183,000 | $5,500,000 | $124,000 | $2,732,000 |
| FHA-insured (Federal Housing Administration) | 161 | $20,024,000 | $124,000 | $309,000 | $49,000 | $384,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 150 | $19,577,000 | $130,000 | $316,000 | $44,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 123 | $25,298,000 | $205,000 | $666,000 | $81,000 | $443,000 |
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 | 3,405 | $664,544,000 | $195,000 | $5,500,000 | $133,000 | $2,732,000 |
| Application Denied By Financial Institution | 790 | $114,021,000 | $144,000 | $1,063,000 | $79,000 | $1,087,000 |
| Application Withdrawn By Applicant | 369 | $70,125,000 | $190,000 | $996,000 | $131,000 | $1,672,000 |
| Application Approved But Not Accepted | 341 | $53,352,000 | $156,000 | $1,785,000 | $113,000 | $749,000 |
| Loan Purchased By The Institution | 249 | $31,627,000 | $127,000 | $392,000 | $48,000 | $390,000 |
| File Closed For Incompleteness | 172 | $31,701,000 | $184,000 | $1,000,000 | $134,000 | $854,000 |
| Preapproval Denied by Financial Institution | 84 | $12,154,000 | $144,000 | $743,000 | $77,000 | $2,028,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 348 | $61,215,000 | $175,000 | $1,063,000 | $63,000 | $646,000 |
| Credit History | 280 | $30,466,000 | $108,000 | $972,000 | $80,000 | $2,028,000 |
| Collateral | 145 | $19,608,000 | $135,000 | $840,000 | $121,000 | $630,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 39 | $6,083,000 | $155,000 | $417,000 | $62,000 | $194,000 |
| Other | 36 | $4,678,000 | $129,000 | $396,000 | $80,000 | $353,000 |
| Employment History | 15 | $2,361,000 | $157,000 | $358,000 | $42,000 | $100,000 |
| Unverifiable Information | 11 | $1,764,000 | $160,000 | $521,000 | $108,000 | $214,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Ciitizens Bank and Trust's 2014 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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