First Ciitizens Bank and Trust Mortgage Lending & HMDA Data, 2016
In 2016, First Ciitizens Bank and Trust of Raleigh, NC reported 11,300 mortgage applications totaling $2.4 billion, down 2% from 2015. The average application was for $208,753, and applicants reported an average income of $118,652. 65% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Charlotte-Concord-Gastonia, NC-SC (1,218), Columbia, SC (863) and Charleston-North Charleston, SC (753) (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 | 11,300 |
| Total Mortgage Loan Application Amount | $2,358,916,000 |
| Average Mortgage Loan Application Amount | $208,753 |
| Highest Mortgage Loan Application Amount | $3,350,000 |
| Average Applicant Income | $118,652 |
| Highest Applicant Income | $8,442,000 |
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records First Ciitizens Bank and Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Charlotte-Concord-Gastonia, NC-SC | 1,218 | $ 243,924,000 | $ 200,266 | $ 108,925 |
| Columbia, SC | 863 | $ 161,128,000 | $ 186,706 | $ 107,000 |
| Charleston-North Charleston, SC | 753 | $ 222,416,000 | $ 295,373 | $ 129,000 |
| Raleigh, NC | 741 | $ 192,796,000 | $ 260,183 | $ 148,000 |
| Greenville-Anderson-Mauldin, SC | 534 | $ 96,808,000 | $ 181,288 | $ 105,000 |
| Asheville, NC | 430 | $ 103,631,000 | $ 241,002 | $ 121,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 375 | $ 77,983,000 | $ 207,954 | $ 130,960 |
| Greensboro-High Point, NC | 324 | $ 62,248,000 | $ 192,123 | $ 143,000 |
| Spartanburg, SC | 308 | $ 49,083,000 | $ 159,360 | $ 92,000 |
| Winston-Salem, NC | 296 | $ 45,453,000 | $ 153,557 | $ 85,000 |
| Durham-Chapel Hill, NC | 268 | $ 83,388,000 | $ 311,149 | $ 170,000 |
| Atlanta-Sandy Springs-Roswell, GA | 256 | $ 97,205,000 | $ 379,707 | $ 190,000 |
| Florence, SC | 249 | $ 33,895,000 | $ 136,124 | $ 79,000 |
| Hickory-Lenoir-Morganton, NC | 238 | $ 33,356,000 | $ 140,151 | $ 76,000 |
| Wilmington, NC | 226 | $ 68,499,000 | $ 303,092 | $ 195,000 |
| Augusta-Richmond County, GA-SC | 196 | $ 32,062,000 | $ 163,581 | $ 93,214 |
| New Bern, NC | 195 | $ 43,140,000 | $ 221,230 | $ 113,000 |
| Roanoke, VA | 172 | $ 30,793,000 | $ 179,029 | $ 108,000 |
| Fayetteville, NC | 160 | $ 20,985,000 | $ 131,156 | $ 92,000 |
| Greenville, NC | 101 | $ 20,473,000 | $ 202,702 | $ 141,000 |
| Sumter, SC | 94 | $ 11,873,000 | $ 126,308 | $ 74,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 66 | $ 22,630,000 | $ 342,878 | $ 321,000 |
| Lynchburg, VA | 66 | $ 14,867,000 | $ 225,257 | $ 135,000 |
| Savannah, GA | 53 | $ 16,431,000 | $ 310,018 | $ 192,000 |
| Athens-Clarke County, GA | 52 | $ 6,682,000 | $ 128,500 | $ 58,000 |
| Goldsboro, NC | 51 | $ 6,204,000 | $ 121,647 | $ 97,000 |
| Jacksonville, NC | 51 | $ 7,786,000 | $ 152,666 | $ 93,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 42 | $ 10,329,000 | $ 245,928 | $ 222,071 |
| Milwaukee-Waukesha-West Allis, WI | 37 | $ 2,847,000 | $ 76,945 | $ 0 |
| Charlottesville, VA | 34 | $ 9,148,000 | $ 269,058 | $ 167,000 |
| Richmond, VA | 33 | $ 11,919,000 | $ 361,181 | $ 192,000 |
| Blacksburg-Christiansburg-Radford, VA | 24 | $ 5,627,000 | $ 234,458 | $ 111,000 |
| Phoenix-Mesa-Scottsdale, AZ | 21 | $ 7,480,000 | $ 356,190 | $ 169,000 |
| Burlington, NC | 19 | $ 3,821,000 | $ 201,105 | $ 97,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 19 | $ 14,253,000 | $ 750,157 | $ 341,000 |
| Denver-Aurora-Lakewood, CO | 17 | $ 8,630,000 | $ 507,647 | $ 225,000 |
| Harrisonburg, VA | 17 | $ 4,039,000 | $ 237,588 | $ 75,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 17 | $ 6,151,000 | $ 361,823 | $ 202,000 |
| Philadelphia, PA | 17 | $ 1,396,000 | $ 82,117 | $ 13,000 |
| Miami-Miami Beach-Kendall, FL | 15 | $ 9,378,000 | $ 625,200 | $ 367,000 |
| Jacksonville, FL | 14 | $ 3,869,000 | $ 276,357 | $ 359,000 |
| Riverside-San Bernardino-Ontario, CA | 14 | $ 4,653,000 | $ 332,357 | $ 106,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 13 | $ 4,455,000 | $ 342,692 | $ 188,000 |
| Rocky Mount, NC | 13 | $ 1,525,000 | $ 117,307 | $ 57,000 |
| Albany, GA | 12 | $ 1,176,000 | $ 98,000 | $ 42,000 |
| Montgomery County-Bucks County-Chester County, PA | 12 | $ 1,139,000 | $ 94,916 | $ 0 |
| Staunton-Waynesboro, VA | 12 | $ 1,480,000 | $ 123,333 | $ 41,000 |
| Port St. Lucie, FL | 11 | $ 3,778,000 | $ 343,454 | $ 122,000 |
| Austin-Round Rock, TX | 10 | $ 2,256,000 | $ 225,600 | $ 158,000 |
| Baltimore-Columbia-Towson, MD | 9 | $ 3,159,000 | $ 351,000 | $ 183,000 |
| Cape Coral-Fort Myers, FL | 9 | $ 1,731,000 | $ 192,333 | $ 106,000 |
| Chattanooga, TN-GA | 7 | $ 2,134,000 | $ 304,857 | $ 251,000 |
| Knoxville, TN | 7 | $ 2,037,000 | $ 291,000 | $ 209,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 7 | $ 3,449,000 | $ 492,714 | $ 235,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 7 | $ 1,615,000 | $ 230,714 | $ 108,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 2,053,000 | $ 293,285 | $ 377,714 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 5,245,000 | $ 874,166 | $ 129,000 |
| Naples-Immokalee-Marco Island, FL | 6 | $ 2,965,000 | $ 494,166 | $ 793,000 |
| Seattle-Bellevue-Everett, WA | 6 | $ 1,645,000 | $ 274,166 | $ 408,000 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 1,015,000 | $ 169,166 | $ 244,000 |
| Anaheim-Santa Ana-Irvine, CA | 5 | $ 1,822,000 | $ 364,400 | $ 134,000 |
| Oklahoma City, OK | 5 | $ 821,000 | $ 164,200 | $ 143,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 2,268,000 | $ 453,600 | $ 148,000 |
| San Diego-Carlsbad, CA | 5 | $ 2,949,000 | $ 589,800 | $ 155,000 |
| Winchester, VA-WV | 5 | $ 747,000 | $ 149,400 | $ 99,200 |
| Gainesville, GA | 4 | $ 734,000 | $ 183,500 | $ 232,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 730,000 | $ 182,500 | $ 79,000 |
| Olympia-Tumwater, WA | 4 | $ 729,000 | $ 182,250 | $ 88,000 |
| Albuquerque, NM | 3 | $ 310,000 | $ 103,333 | $ 154,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,524,000 | $ 508,000 | $ 387,000 |
| Fort Collins, CO | 3 | $ 1,880,000 | $ 626,666 | $ 320,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 281,000 | $ 93,666 | $ 73,000 |
| Kansas City, MO-KS | 3 | $ 340,000 | $ 113,333 | $ 0 |
| Memphis, TN-MS-AR | 3 | $ 219,000 | $ 73,000 | $ 59,000 |
| Silver Spring-Frederick-Rockville, MD | 3 | $ 977,000 | $ 325,666 | $ 124,000 |
| Tucson, AZ | 3 | $ 1,201,000 | $ 400,333 | $ 314,000 |
| Bellingham, WA | 2 | $ 322,000 | $ 161,000 | $ 273,000 |
| Boulder, CO | 2 | $ 1,153,000 | $ 576,500 | $ 187,000 |
| Dallas-Plano-Irving, TX | 2 | $ 244,000 | $ 122,000 | $ 323,000 |
| Johnson City, TN | 2 | $ 209,000 | $ 104,500 | $ 86,000 |
| Macon, GA | 2 | $ 417,000 | $ 208,500 | $ 37,000 |
| Morgantown, WV | 2 | $ 408,000 | $ 204,000 | $ 54,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 235,000 | $ 117,500 | $ 78,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 590,000 | $ 295,000 | $ 117,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 371,000 | $ 185,500 | $ 192,000 |
| Ann Arbor, MI | 1 | $ 56,000 | $ 56,000 | $ 204,000 |
| Bakersfield, CA | 1 | $ 112,000 | $ 112,000 | $ 44,000 |
| Beckley, WV | 1 | $ 165,000 | $ 165,000 | $ 53,000 |
| Bremerton-Silverdale, WA | 1 | $ 548,000 | $ 548,000 | $ 922,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 490,000 | $ 490,000 | $ 517,000 |
| Brunswick, GA | 1 | $ 232,000 | $ 232,000 | $ 78,000 |
| Camden, NJ | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Cleveland, TN | 1 | $ 70,000 | $ 70,000 | $ 151,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 96,000 | $ 96,000 | $ 116,000 |
| Fort Worth-Arlington, TX | 1 | $ 123,000 | $ 123,000 | $ 190,000 |
| Fresno, CA | 1 | $ 60,000 | $ 60,000 | $ 156,000 |
| Gainesville, FL | 1 | $ 248,000 | $ 248,000 | $ 103,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 100,000 | $ 100,000 | $ 127,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 115,000 | $ 115,000 | $ 83,000 |
| Lakeland-Winter Haven, FL | 1 | $ 417,000 | $ 417,000 | $ 301,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Madison, WI | 1 | $ 105,000 | $ 105,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 1,275,000 | $ 1,275,000 | $ 1,005,000 |
| Ocean City, NJ | 1 | $ 150,000 | $ 150,000 | $ 413,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 360,000 | $ 360,000 | $ 82,000 |
| Parkersburg-Vienna, WV | 1 | $ 139,000 | $ 139,000 | $ 162,000 |
| Pittsburgh, PA | 1 | $ 23,000 | $ 23,000 | $ 38,000 |
| Punta Gorda, FL | 1 | $ 73,000 | $ 73,000 | $ 21,000 |
| Reading, PA | 1 | $ 45,000 | $ 45,000 | $ 140,000 |
| Rome, GA | 1 | $ 196,000 | $ 196,000 | $ 60,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 2,475,000 | $ 2,475,000 | $ 637,000 |
| Santa Fe, NM | 1 | $ 417,000 | $ 417,000 | $ 139,000 |
| Sebastian-Vero Beach, FL | 1 | $ 850,000 | $ 850,000 | $ 220,000 |
| Sebring, FL | 1 | $ 120,000 | $ 120,000 | $ 48,000 |
| Springfield, MO | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Tacoma-Lakewood, WA | 1 | $ 212,000 | $ 212,000 | $ 113,000 |
| Tulsa, OK | 1 | $ 95,000 | $ 95,000 | $ 102,000 |
| Warner Robins, GA | 1 | $ 400,000 | $ 400,000 | $ 250,000 |
Mortgage Loan Application Detail Totals for First Ciitizens Bank and Trust in 2016
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 | 6,093 | $1,323,524,000 | $217,000 | $3,350,000 | $115,000 | $8,442,000 |
| Refinancing | 4,583 | $957,971,000 | $209,000 | $2,908,000 | $127,000 | $2,116,000 |
| Home Improvement | 624 | $77,421,000 | $124,000 | $1,875,000 | $93,000 | $2,391,000 |
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 | 8,327 | $1,780,456,000 | $213,000 | $2,695,000 | $125,000 | $8,442,000 |
| Black or African American | 1,000 | $147,875,000 | $147,000 | $2,450,000 | $73,000 | $1,195,000 |
| Not Provided | 868 | $212,251,000 | $244,000 | $2,310,000 | $173,000 | $1,800,000 |
| Not applicable | 385 | $80,369,000 | $208,000 | $3,350,000 | $0 | $0 |
| Hispanic | 344 | $58,968,000 | $171,000 | $1,300,000 | $73,000 | $1,245,000 |
| Asian | 302 | $68,406,000 | $226,000 | $1,530,000 | $143,000 | $3,300,000 |
| American Indian or Alaskan Native | 59 | $8,047,000 | $136,000 | $620,000 | $106,000 | $627,000 |
| Native Hawaiin or Other Pacific Islander | 15 | $2,544,000 | $169,000 | $271,000 | $79,000 | $180,000 |
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) | 10,280 | $2,210,122,000 | $214,000 | $3,350,000 | $125,000 | $8,442,000 |
| FHA-insured (Federal Housing Administration) | 639 | $87,303,000 | $136,000 | $549,000 | $51,000 | $284,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 198 | $23,197,000 | $117,000 | $347,000 | $40,000 | $188,000 |
| VA-guaranteed (Veterans Administration) | 183 | $38,294,000 | $209,000 | $813,000 | $81,000 | $838,000 |
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 | 7,324 | $1,643,257,000 | $224,000 | $2,908,000 | $132,000 | $8,442,000 |
| Application Denied By Financial Institution | 2,371 | $392,839,000 | $165,000 | $2,600,000 | $77,000 | $3,300,000 |
| File Closed For Incompleteness | 739 | $147,081,000 | $199,000 | $2,555,000 | $121,000 | $2,116,000 |
| Application Withdrawn By Applicant | 498 | $109,350,000 | $219,000 | $3,350,000 | $132,000 | $4,563,000 |
| Application Approved But Not Accepted | 301 | $60,934,000 | $202,000 | $2,560,000 | $125,000 | $1,680,000 |
| Loan Purchased By The Institution | 67 | $5,455,000 | $81,000 | $493,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2016 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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