First Ciitizens Bank and Trust Mortgage Lending & HMDA Data, 2018
In 2018, First Ciitizens Bank and Trust of Raleigh, NC reported 24,305 mortgage applications totaling $3.8 billion, up 111% from 2017. The average application was for $157,872, and applicants reported an average income of $147,320. 68% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Charlotte-Concord-Gastonia, NC-SC (3,325), Raleigh, NC (2,472) and Columbia, SC (1,538) (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 | 24,305 |
| Total Mortgage Loan Application Amount | $3,837,085,000 |
| Average Mortgage Loan Application Amount | $157,872 |
| Highest Mortgage Loan Application Amount | $4,505,000 |
| Average Applicant Income | $147,320 |
| Highest Applicant Income | $6,144,000 |
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records First Ciitizens Bank and Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 4,501 | $ 587,245,000 | $ 130,469 | $ 119,355 |
| Charlotte-Concord-Gastonia, NC-SC | 3,325 | $ 507,535,000 | $ 152,642 | $ 153,682 |
| Raleigh, NC | 2,472 | $ 413,580,000 | $ 167,305 | $ 162,000 |
| Columbia, SC | 1,538 | $ 220,070,000 | $ 143,088 | $ 131,000 |
| Charleston-North Charleston, SC | 1,284 | $ 291,020,000 | $ 226,651 | $ 175,000 |
| Greenville-Anderson-Mauldin, SC | 1,065 | $ 170,665,000 | $ 160,248 | $ 134,000 |
| Asheville, NC | 1,003 | $ 166,675,000 | $ 166,176 | $ 133,000 |
| Durham-Chapel Hill, NC | 876 | $ 192,760,000 | $ 220,045 | $ 203,000 |
| Greensboro-High Point, NC | 708 | $ 114,980,000 | $ 162,401 | $ 170,000 |
| Wilmington, NC | 669 | $ 133,995,000 | $ 200,291 | $ 199,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 633 | $ 103,705,000 | $ 163,830 | $ 145,815 |
| Hickory-Lenoir-Morganton, NC | 624 | $ 77,570,000 | $ 124,310 | $ 116,000 |
| Winston-Salem, NC | 585 | $ 78,235,000 | $ 133,735 | $ 135,000 |
| Spartanburg, SC | 555 | $ 61,705,000 | $ 111,180 | $ 109,000 |
| Florence, SC | 386 | $ 45,540,000 | $ 117,979 | $ 115,000 |
| Augusta-Richmond County, GA-SC | 381 | $ 48,745,000 | $ 127,939 | $ 111,493 |
| Fayetteville, NC | 365 | $ 41,165,000 | $ 112,780 | $ 134,000 |
| Roanoke, VA | 346 | $ 44,510,000 | $ 128,641 | $ 126,000 |
| Atlanta-Sandy Springs-Roswell, GA | 273 | $ 57,855,000 | $ 211,923 | $ 198,000 |
| New Bern, NC | 268 | $ 44,460,000 | $ 165,895 | $ 135,000 |
| Greenville, NC | 194 | $ 25,710,000 | $ 132,525 | $ 144,000 |
| Jacksonville, NC | 189 | $ 23,865,000 | $ 126,269 | $ 135,000 |
| Lynchburg, VA | 179 | $ 23,965,000 | $ 133,882 | $ 124,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 174 | $ 40,620,000 | $ 233,448 | $ 201,000 |
| Richmond, VA | 152 | $ 24,070,000 | $ 158,355 | $ 175,000 |
| Sumter, SC | 127 | $ 14,215,000 | $ 111,929 | $ 113,000 |
| Charlottesville, VA | 122 | $ 16,710,000 | $ 136,967 | $ 173,000 |
| Blacksburg-Christiansburg-Radford, VA | 112 | $ 14,280,000 | $ 127,500 | $ 133,000 |
| Athens-Clarke County, GA | 107 | $ 11,205,000 | $ 104,719 | $ 117,000 |
| Goldsboro, NC | 102 | $ 10,680,000 | $ 104,705 | $ 106,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 90 | $ 18,850,000 | $ 209,444 | $ 220,077 |
| Savannah, GA | 65 | $ 16,285,000 | $ 250,538 | $ 226,000 |
| Jacksonville, FL | 59 | $ 15,545,000 | $ 263,474 | $ 201,000 |
| Staunton-Waynesboro, VA | 57 | $ 6,045,000 | $ 106,052 | $ 105,000 |
| Burlington, NC | 50 | $ 5,480,000 | $ 109,600 | $ 112,000 |
| Harrisonburg, VA | 50 | $ 6,380,000 | $ 127,600 | $ 170,000 |
| Rocky Mount, NC | 48 | $ 5,200,000 | $ 108,333 | $ 112,000 |
| Los Angeles-Long Beach-Glendale, CA | 33 | $ 17,045,000 | $ 516,515 | $ 338,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 32 | $ 5,390,000 | $ 168,437 | $ 234,000 |
| Seattle-Bellevue-Everett, WA | 30 | $ 6,240,000 | $ 208,000 | $ 211,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 27 | $ 6,595,000 | $ 244,259 | $ 287,000 |
| Winchester, VA-WV | 24 | $ 2,450,000 | $ 102,083 | $ 112,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 23 | $ 3,445,000 | $ 149,782 | $ 160,173 |
| Denver-Aurora-Lakewood, CO | 20 | $ 2,670,000 | $ 133,500 | $ 191,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 19 | $ 4,005,000 | $ 210,789 | $ 346,000 |
| San Diego-Carlsbad, CA | 19 | $ 5,785,000 | $ 304,473 | $ 235,000 |
| Phoenix-Mesa-Scottsdale, AZ | 18 | $ 4,830,000 | $ 268,333 | $ 288,000 |
| Tampa-St. Petersburg-Clearwater, FL | 18 | $ 11,170,000 | $ 620,555 | $ 168,000 |
| Milwaukee-Waukesha-West Allis, WI | 17 | $ 1,945,000 | $ 114,411 | $ 90,000 |
| Knoxville, TN | 16 | $ 5,710,000 | $ 356,875 | $ 493,000 |
| Miami-Miami Beach-Kendall, FL | 16 | $ 4,530,000 | $ 283,125 | $ 280,000 |
| Riverside-San Bernardino-Ontario, CA | 16 | $ 4,330,000 | $ 270,625 | $ 174,000 |
| Austin-Round Rock, TX | 14 | $ 3,100,000 | $ 221,428 | $ 159,000 |
| Naples-Immokalee-Marco Island, FL | 11 | $ 4,425,000 | $ 402,272 | $ 268,000 |
| Port St. Lucie, FL | 11 | $ 1,975,000 | $ 179,545 | $ 180,000 |
| Tacoma-Lakewood, WA | 11 | $ 6,915,000 | $ 628,636 | $ 774,000 |
| Chattanooga, TN-GA | 10 | $ 3,500,000 | $ 350,000 | $ 382,500 |
| Kansas City, MO-KS | 10 | $ 2,050,000 | $ 205,000 | $ 366,000 |
| North Port-Sarasota-Bradenton, FL | 10 | $ 1,670,000 | $ 167,000 | $ 147,000 |
| Cape Coral-Fort Myers, FL | 9 | $ 1,775,000 | $ 197,222 | $ 262,000 |
| Baltimore-Columbia-Towson, MD | 8 | $ 2,140,000 | $ 267,500 | $ 194,000 |
| Santa Fe, NM | 8 | $ 1,550,000 | $ 193,750 | $ 304,000 |
| Oklahoma City, OK | 7 | $ 685,000 | $ 97,857 | $ 91,000 |
| Anaheim-Santa Ana-Irvine, CA | 6 | $ 1,360,000 | $ 226,666 | $ 272,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 6 | $ 1,160,000 | $ 193,333 | $ 372,000 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 5,845,000 | $ 1,169,000 | $ 729,000 |
| Dallas-Plano-Irving, TX | 5 | $ 1,815,000 | $ 363,000 | $ 136,000 |
| Johnson City, TN | 5 | $ 755,000 | $ 151,000 | $ 163,000 |
| Kingsport-Bristol-Bristol, TN-VA | 5 | $ 395,000 | $ 79,000 | $ 76,000 |
| Olympia-Tumwater, WA | 5 | $ 845,000 | $ 169,000 | $ 181,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 3,145,000 | $ 629,000 | $ 606,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 585,000 | $ 117,000 | $ 239,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 5 | $ 1,415,000 | $ 283,000 | $ 149,800 |
| Boulder, CO | 4 | $ 1,540,000 | $ 385,000 | $ 299,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 660,000 | $ 165,000 | $ 158,000 |
| Gainesville, GA | 4 | $ 1,270,000 | $ 317,500 | $ 203,000 |
| Albuquerque, NM | 3 | $ 975,000 | $ 325,000 | $ 222,000 |
| Brunswick, GA | 3 | $ 465,000 | $ 155,000 | $ 87,000 |
| Charleston, WV | 3 | $ 165,000 | $ 55,000 | $ 43,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 1,055,000 | $ 351,666 | $ 109,000 |
| Ocala, FL | 3 | $ 1,095,000 | $ 365,000 | $ 371,000 |
| Racine, WI | 3 | $ 215,000 | $ 71,666 | $ 79,000 |
| Silver Spring-Frederick-Rockville, MD | 3 | $ 255,000 | $ 85,000 | $ 165,000 |
| Akron, OH | 2 | $ 2,270,000 | $ 1,135,000 | $ 0 |
| Albany, GA | 2 | $ 230,000 | $ 115,000 | $ 87,000 |
| Chicago-Naperville-Arlington Heights, IL | 2 | $ 770,000 | $ 385,000 | $ 218,000 |
| Longview, WA | 2 | $ 570,000 | $ 285,000 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 540,000 | $ 270,000 | $ 356,000 |
| Rome, GA | 2 | $ 150,000 | $ 75,000 | $ 71,000 |
| St. Louis, MO-IL | 2 | $ 100,000 | $ 50,000 | $ 28,000 |
| The Villages, FL | 2 | $ 470,000 | $ 235,000 | $ 138,000 |
| Wenatchee, WA | 2 | $ 810,000 | $ 405,000 | $ 588,000 |
| Ann Arbor, MI | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Cleveland, TN | 1 | $ 245,000 | $ 245,000 | $ 223,000 |
| Colorado Springs, CO | 1 | $ 55,000 | $ 55,000 | $ 89,000 |
| Columbus, OH | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Dalton, GA | 1 | $ 245,000 | $ 245,000 | $ 217,000 |
| Gettysburg, PA | 1 | $ 135,000 | $ 135,000 | $ 232,000 |
| Homosassa Springs, FL | 1 | $ 205,000 | $ 205,000 | $ 221,000 |
| Kennewick-Richland, WA | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Lakeland-Winter Haven, FL | 1 | $ 95,000 | $ 95,000 | $ 43,000 |
| Macon-Bibb County, GA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Morgantown, WV | 1 | $ 75,000 | $ 75,000 | $ 592,000 |
| Morristown, TN | 1 | $ 755,000 | $ 755,000 | $ 210,000 |
| Panama City, FL | 1 | $ 85,000 | $ 85,000 | $ 233,000 |
| Parkersburg-Vienna, WV | 1 | $ 65,000 | $ 65,000 | $ 196,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 155,000 | $ 155,000 | $ 651,000 |
| Punta Gorda, FL | 1 | $ 275,000 | $ 275,000 | $ 492,000 |
| Redding, CA | 1 | $ 325,000 | $ 325,000 | $ 80,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 705,000 | $ 705,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Santa Rosa, CA | 1 | $ 255,000 | $ 255,000 | $ 35,000 |
| Tallahassee, FL | 1 | $ 95,000 | $ 95,000 | $ 57,000 |
| Tucson, AZ | 1 | $ 75,000 | $ 75,000 | $ 21,000 |
| Tulsa, OK | 1 | $ 205,000 | $ 205,000 | $ 52,000 |
| Tuscaloosa, AL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Vallejo-Fairfield, CA | 1 | $ 205,000 | $ 205,000 | $ 14,000 |
| Wilmington, DE-MD-NJ | 1 | $ 375,000 | $ 375,000 | $ 202,000 |
Mortgage Loan Application Detail Totals for First Ciitizens Bank and Trust in 2018
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 | 7,044 | $1,733,410,000 | $246,000 | $4,505,000 | $156,000 | $4,046,000 |
| Other Purpose | 6,506 | $614,590,000 | $94,000 | $2,455,000 | $138,000 | $3,472,000 |
| Home Improvement | 4,994 | $460,820,000 | $92,000 | $1,505,000 | $151,000 | $6,144,000 |
| Refinancing | 4,621 | $786,995,000 | $170,000 | $3,005,000 | $148,000 | $3,767,000 |
| Cash-out Refinancing | 1,140 | $241,270,000 | $211,000 | $2,605,000 | $128,000 | $5,335,000 |
| 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 | 17,136 | $2,731,100,000 | $159,000 | $3,925,000 | $144,000 | $6,144,000 |
| Not Provided | 3,804 | $544,330,000 | $143,000 | $2,905,000 | $189,000 | $5,369,000 |
| Black or African American | 1,601 | $201,475,000 | $125,000 | $2,045,000 | $92,000 | $3,472,000 |
| Hispanic | 558 | $82,910,000 | $148,000 | $1,505,000 | $99,000 | $960,000 |
| Asian | 493 | $97,105,000 | $196,000 | $1,505,000 | $166,000 | $2,605,000 |
| Not applicable | 490 | $147,150,000 | $300,000 | $4,505,000 | $0 | $0 |
| American Indian or Alaskan Native | 99 | $14,345,000 | $144,000 | $815,000 | $116,000 | $730,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $2,890,000 | $144,000 | $755,000 | $202,000 | $1,176,000 |
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) | 23,397 | $3,698,355,000 | $158,000 | $4,505,000 | $151,000 | $6,144,000 |
| FHA-insured (Federal Housing Administration) | 599 | $83,915,000 | $140,000 | $385,000 | $57,000 | $711,000 |
| VA-guaranteed (Veterans Administration) | 163 | $34,565,000 | $212,000 | $635,000 | $78,000 | $462,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 146 | $20,250,000 | $138,000 | $295,000 | $48,000 | $96,000 |
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 | 16,636 | $2,692,330,000 | $161,000 | $4,505,000 | $159,000 | $5,369,000 |
| Application Denied By Financial Institution | 5,026 | $646,740,000 | $128,000 | $3,475,000 | $102,000 | $2,754,000 |
| File Closed For Incompleteness | 1,083 | $239,645,000 | $221,000 | $2,005,000 | $155,000 | $5,335,000 |
| Application Withdrawn By Applicant | 788 | $156,610,000 | $198,000 | $2,645,000 | $181,000 | $6,144,000 |
| Application Approved But Not Accepted | 772 | $101,760,000 | $131,000 | $1,505,000 | $145,000 | $1,332,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 19,279 | $3,190,345,000 | $165,000 | $4,505,000 | $159,000 | $6,144,000 |
| Credit History | 1,954 | $170,100,000 | $87,000 | $1,055,000 | $95,000 | $2,754,000 |
| Debt-To-Income Ratio | 1,810 | $299,100,000 | $165,000 | $3,005,000 | $79,000 | $1,458,000 |
| Collateral | 835 | $104,555,000 | $125,000 | $1,685,000 | $152,000 | $886,000 |
| Other | 219 | $31,035,000 | $141,000 | $3,475,000 | $156,000 | $2,587,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 126 | $27,150,000 | $215,000 | $1,285,000 | $86,000 | $600,000 |
| Unverifiable Information | 77 | $13,875,000 | $180,000 | $805,000 | $171,000 | $762,000 |
| Credit Application Incomplete | 3 | $715,000 | $238,000 | $385,000 | $131,000 | $179,000 |
| Employment History | 2 | $210,000 | $105,000 | $165,000 | $35,000 | $35,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Ciitizens Bank and Trust's 2018 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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