First-Citizens Bank & Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
First-Citizens Bank & Trust Company 2019 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First-Citizens Bank & Trust Company 4300 Six Forks Road Fcc 21 Raleigh, NC 27609 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 26,035 |
| Total Mortgage Loan Application Amount | $4,535,545,000 |
| Average Mortgage Loan Application Amount | $181,800 |
| Highest Mortgage Loan Application Amount | $6,305,000 |
| Average Applicant Income | $146,600 |
| Highest Applicant Income | $5,111,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with First-Citizens Bank & Trust Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First-Citizens Bank & Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down First-Citizens Bank & Trust Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First-Citizens Bank & Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by First-Citizens Bank & Trust Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First-Citizens Bank & Trust Company's mortgage activity for 2019.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| NA (OUTSIDE OF MSA/MD) | 4,699 | $ 729,945,000 | $ 209,769 | $ 192,846 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 3,669 | $ 621,425,000 | $ 161,000 | $ 140,500 |
| RALEIGH, NC | 2,614 | $ 450,440,000 | $ 172,000 | $ 172,000 |
| COLUMBIA, SC | 1,641 | $ 239,265,000 | $ 145,000 | $ 134,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 1,341 | $ 326,525,000 | $ 243,000 | $ 167,000 |
| GREENVILLE-ANDERSON-MAULDIN, SC | 1,253 | $ 220,845,000 | $ 176,000 | $ 139,000 |
| ASHEVILLE, NC | 1,161 | $ 222,425,000 | $ 191,000 | $ 140,000 |
| DURHAM-CHAPEL HILL, NC | 875 | $ 202,695,000 | $ 231,000 | $ 197,000 |
| GREENSBORO-HIGH POINT, NC | 733 | $ 114,955,000 | $ 156,000 | $ 157,000 |
| WILMINGTON, NC | 680 | $ 174,140,000 | $ 256,000 | $ 212,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 655 | $ 121,995,000 | $ 190,500 | $ 152,500 |
| HICKORY-LENOIR-MORGANTON, NC | 625 | $ 75,935,000 | $ 121,000 | $ 106,000 |
| WINSTON-SALEM, NC | 586 | $ 91,940,000 | $ 156,000 | $ 147,000 |
| SPARTANBURG, SC | 548 | $ 70,650,000 | $ 128,000 | $ 106,000 |
| FAYETTEVILLE, NC | 526 | $ 62,270,000 | $ 118,000 | $ 109,000 |
| ROANOKE, VA | 363 | $ 56,805,000 | $ 156,000 | $ 131,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 362 | $ 48,040,000 | $ 137,000 | $ 113,500 |
| FLORENCE, SC | 338 | $ 47,900,000 | $ 141,000 | $ 110,000 |
| NEW BERN, NC | 315 | $ 50,855,000 | $ 161,000 | $ 133,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 272 | $ 57,850,000 | $ 212,000 | $ 169,000 |
| RICHMOND, VA | 266 | $ 39,840,000 | $ 149,000 | $ 187,000 |
| GREENVILLE, NC | 200 | $ 33,320,000 | $ 166,000 | $ 163,000 |
| LYNCHBURG, VA | 185 | $ 28,215,000 | $ 152,000 | $ 136,000 |
| HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC | 178 | $ 37,370,000 | $ 209,000 | $ 187,000 |
| JACKSONVILLE, NC | 178 | $ 26,280,000 | $ 147,000 | $ 109,000 |
| SUMTER, SC | 151 | $ 17,485,000 | $ 115,000 | $ 127,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 122 | $ 33,220,000 | $ 269,000 | $ 241,500 |
| CHARLOTTESVILLE, VA | 121 | $ 23,885,000 | $ 197,000 | $ 203,000 |
| GOLDSBORO, NC | 112 | $ 14,800,000 | $ 132,000 | $ 125,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 111 | $ 15,595,000 | $ 140,000 | $ 103,000 |
| ATHENS-CLARKE COUNTY, GA | 104 | $ 10,550,000 | $ 101,000 | $ 82,000 |
| BLACKSBURG-CHRISTIANSBURG-RADFORD, VA | 93 | $ 15,215,000 | $ 163,000 | $ 163,000 |
| SAVANNAH, GA | 61 | $ 14,835,000 | $ 243,000 | $ 175,000 |
| ROCKY MOUNT, NC | 56 | $ 6,450,000 | $ 115,000 | $ 134,000 |
| STAUNTON-WAYNESBORO, VA | 55 | $ 5,945,000 | $ 108,000 | $ 89,000 |
| BURLINGTON, NC | 50 | $ 8,500,000 | $ 170,000 | $ 206,000 |
| JACKSONVILLE, FL | 46 | $ 7,930,000 | $ 172,000 | $ 192,000 |
| HARRISONBURG, VA | 44 | $ 10,050,000 | $ 228,000 | $ 130,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 39 | $ 8,595,000 | $ 220,000 | $ 114,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 38 | $ 5,740,000 | $ 150,000 | $ 153,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 34 | $ 13,720,000 | $ 403,000 | $ 325,000 |
| KNOXVILLE, TN | 33 | $ 12,105,000 | $ 366,000 | $ 282,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 32 | $ 6,950,000 | $ 217,000 | $ 222,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 26 | $ 12,760,000 | $ 490,000 | $ 312,000 |
| NAPLES-IMMOKALEE-MARCO ISLAND, FL | 25 | $ 7,565,000 | $ 302,000 | $ 332,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 24 | $ 7,590,000 | $ 316,000 | $ 184,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 22 | $ 5,800,000 | $ 263,000 | $ 234,000 |
| CAPE CORAL-FORT MYERS, FL | 21 | $ 3,925,000 | $ 186,000 | $ 187,000 |
| BALTIMORE-COLUMBIA-TOWSON, MD | 20 | $ 8,240,000 | $ 412,000 | $ 271,000 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 18 | $ 9,450,000 | $ 525,000 | $ 265,000 |
| DENVER-AURORA-LAKEWOOD, CO | 18 | $ 7,400,000 | $ 411,000 | $ 252,000 |
| WINCHESTER, VA-WV | 18 | $ 2,460,000 | $ 136,000 | $ 155,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 15 | $ 8,795,000 | $ 586,000 | $ 495,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 15 | $ 3,675,000 | $ 245,000 | $ 185,000 |
| SAN DIEGO-CARLSBAD, CA | 15 | $ 3,665,000 | $ 244,000 | $ 170,000 |
| PORT ST. LUCIE, FL | 14 | $ 3,240,000 | $ 231,000 | $ 218,000 |
| RACINE, WI | 13 | $ 1,605,000 | $ 123,000 | $ 105,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 13 | $ 5,305,000 | $ 408,000 | $ 344,000 |
| GAINESVILLE, GA | 12 | $ 10,180,000 | $ 848,000 | $ 277,000 |
| TACOMA-LAKEWOOD, WA | 9 | $ 2,075,000 | $ 230,000 | $ 306,000 |
| WASHINGTON-BALTIMORE-ARLINGTON, DC | 9 | $ 1,675,000 | $ 186,000 | $ 159,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 8 | $ 1,180,000 | $ 147,000 | $ 230,000 |
| CHATTANOOGA, TN-GA | 7 | $ 2,615,000 | $ 362,000 | $ 332,000 |
| DALLAS-PLANO-IRVING, TX | 7 | $ 2,275,000 | $ 325,000 | $ 301,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 7 | $ 1,225,000 | $ 175,000 | $ 83,000 |
| KANSAS CITY, MO-KS | 7 | $ 1,565,000 | $ 221,000 | $ 157,000 |
| SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA | 7 | $ 1,145,000 | $ 163,000 | $ 148,000 |
| JOHNSON CITY, TN | 6 | $ 1,170,000 | $ 195,000 | $ 144,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 6 | $ 1,180,000 | $ 196,000 | $ 83,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 6 | $ 860,000 | $ 143,000 | $ 102,000 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 5 | $ 1,755,000 | $ 300,000 | $ 416,000 |
| SANTA FE, NM | 5 | $ 3,565,000 | $ 713,000 | $ 193,000 |
| ALBUQUERQUE, NM | 4 | $ 1,710,000 | $ 427,000 | $ 196,000 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 4 | $ 1,730,000 | $ 432,000 | $ 291,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 4 | $ 900,000 | $ 225,000 | $ 258,000 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 4 | $ 1,290,000 | $ 322,000 | $ 198,000 |
| MADISON, WI | 4 | $ 650,000 | $ 162,000 | $ 155,000 |
| MORGANTOWN, WV | 4 | $ 480,000 | $ 120,000 | $ 141,000 |
| AUSTIN-ROUND ROCK, TX | 3 | $ 1,755,000 | $ 585,000 | $ 201,000 |
| BOULDER, CO | 3 | $ 805,000 | $ 268,000 | $ 99,000 |
| BRUNSWICK, GA | 3 | $ 755,000 | $ 251,000 | $ 258,000 |
| COLORADO SPRINGS, CO | 3 | $ 605,000 | $ 201,000 | $ 246,000 |
| PANAMA CITY, FL | 3 | $ 875,000 | $ 291,000 | $ 120,000 |
| PITTSBURGH, PA | 3 | $ 1,495,000 | $ 498,000 | $ 255,000 |
| SHEBOYGAN, WI | 3 | $ 635,000 | $ 211,000 | $ 89,000 |
| GADSDEN, AL | 2 | $ 140,000 | $ 70,000 | $ 240,000 |
| GAINESVILLE, FL | 2 | $ 1,090,000 | $ 545,000 | $ 387,000 |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 2 | $ 680,000 | $ 340,000 | $ 250,000 |
| LAKELAND-WINTER HAVEN, FL | 2 | $ 260,000 | $ 130,000 | $ 137,000 |
| OLYMPIA-TUMWATER, WA | 2 | $ 430,000 | $ 215,000 | $ 230,000 |
| PUNTA GORDA, FL | 2 | $ 410,000 | $ 205,000 | $ 0 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 2 | $ 1,040,000 | $ 520,000 | $ 170,000 |
| TUCSON, AZ | 2 | $ 450,000 | $ 225,000 | $ 267,000 |
| BEND-REDMOND, OR | 1 | $ 275,000 | $ 275,000 | $ 0 |
| BREMERTON-SILVERDALE, WA | 1 | $ 735,000 | $ 735,000 | $ 246,000 |
| BUFFALO-CHEEKTOWAGA-NIAGARA FALLS, NY | 1 | $ 205,000 | $ 205,000 | $ 56,000 |
| CHAMBERSBURG-WAYNESBORO, PA | 1 | $ 155,000 | $ 155,000 | $ 102,000 |
| CHARLESTON, WV | 1 | $ 75,000 | $ 75,000 | $ 380,000 |
| CHICAGO-NAPERVILLE, IL | 1 | $ 455,000 | $ 455,000 | $ 325,000 |
| FORT WORTH-ARLINGTON, TX | 1 | $ 95,000 | $ 95,000 | $ 448,000 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 1 | $ 155,000 | $ 155,000 | $ 74,000 |
| HINESVILLE, GA | 1 | $ 65,000 | $ 65,000 | $ 85,000 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 1 | $ 205,000 | $ 205,000 | $ 55,000 |
| JOPLIN, MO | 1 | $ 105,000 | $ 105,000 | $ 0 |
| LAS CRUCES, NM | 1 | $ 255,000 | $ 255,000 | $ 112,000 |
| LAWRENCE, KS | 1 | $ 125,000 | $ 125,000 | $ 0 |
| MEMPHIS, TN-MS-AR | 1 | $ 655,000 | $ 655,000 | $ 278,000 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 1 | $ 255,000 | $ 255,000 | $ 138,000 |
| MORRISTOWN, TN | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| NEW YORK-NEWARK, NY | 1 | $ 385,000 | $ 385,000 | $ 0 |
| OAKLAND-HAYWARD-BERKELEY, CA | 1 | $ 605,000 | $ 605,000 | $ 372,000 |
| OCALA, FL | 1 | $ 195,000 | $ 195,000 | $ 54,000 |
| OKLAHOMA CITY, OK | 1 | $ 1,955,000 | $ 1,955,000 | $ 564,000 |
| PARKERSBURG-VIENNA, WV | 1 | $ 65,000 | $ 65,000 | $ 197,000 |
| PORTLAND-SOUTH PORTLAND, ME | 1 | $ 265,000 | $ 265,000 | $ 49,000 |
| PRESCOTT VALLEY-PRESCOTT, AZ | 1 | $ 805,000 | $ 805,000 | $ 0 |
| THE VILLAGES, FL | 1 | $ 195,000 | $ 195,000 | $ 27,000 |
| TULSA, OK | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| WACO, TX | 1 | $ 435,000 | $ 435,000 | $ 295,000 |
| WARNER ROBINS, GA | 1 | $ 265,000 | $ 265,000 | $ 91,000 |
| WAUSAU, WI | 1 | $ 45,000 | $ 45,000 | $ 0 |
| WENATCHEE, WA | 1 | $ 485,000 | $ 485,000 | $ 859,000 |
Mortgage Loan Application Detail Totals for First-Citizens Bank & Trust Company in 2019
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 | 7,191 | $1,872,055,000 | $260,000 | $6,305,000 | $155,000 | $5,009,000 |
| Other Purpose | 6,867 | $693,665,000 | $101,000 | $3,005,000 | $154,000 | $5,111,000 |
| Refinancing | 5,695 | $1,143,425,000 | $200,000 | $4,105,000 | $149,000 | $2,477,000 |
| Home Improvement | 4,879 | $472,515,000 | $96,000 | $2,005,000 | $145,000 | $1,557,000 |
| Cash-out Refinancing | 1,403 | $353,885,000 | $252,000 | $2,885,000 | $130,000 | $1,697,000 |
| 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 | 18,503 | $3,257,085,000 | $176,000 | $4,105,000 | $148,000 | $5,009,000 |
| Not Provided | 3,976 | $632,210,000 | $159,000 | $2,845,000 | $193,000 | $5,111,000 |
| Black or African American | 1,605 | $219,975,000 | $137,000 | $3,005,000 | $89,000 | $2,199,000 |
| Hispanic | 654 | $102,630,000 | $156,000 | $1,485,000 | $104,000 | $3,699,000 |
| Not applicable | 584 | $183,520,000 | $314,000 | $6,305,000 | $0 | $0 |
| Asian | 500 | $106,080,000 | $212,000 | $2,835,000 | $160,000 | $2,261,000 |
| American Indian or Alaskan Native | 85 | $12,995,000 | $152,000 | $1,285,000 | $114,000 | $756,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $2,620,000 | $187,000 | $505,000 | $209,000 | $599,000 |
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) | 25,154 | $4,389,870,000 | $174,000 | $6,305,000 | $153,000 | $5,111,000 |
| FHA-insured (Federal Housing Administration) | 620 | $96,740,000 | $156,000 | $375,000 | $57,000 | $256,000 |
| VA-guaranteed (Veterans Administration) | 173 | $36,115,000 | $208,000 | $625,000 | $75,000 | $450,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 88 | $12,820,000 | $145,000 | $275,000 | $50,000 | $83,000 |
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 | 18,023 | $3,228,235,000 | $179,000 | $6,305,000 | $163,000 | $5,111,000 |
| Application Denied By Financial Institution | 5,471 | $821,415,000 | $150,000 | $3,205,000 | $104,000 | $2,199,000 |
| Application Withdrawn By Applicant | 888 | $186,740,000 | $210,000 | $1,785,000 | $166,000 | $2,635,000 |
| Application Approved But Not Accepted | 867 | $133,815,000 | $154,000 | $6,275,000 | $158,000 | $1,908,000 |
| File Closed For Incompleteness | 786 | $165,340,000 | $210,000 | $1,745,000 | $151,000 | $3,294,000 |
| 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 | 20,564 | $3,714,130,000 | $180,000 | $6,305,000 | $163,000 | $5,111,000 |
| Debt-To-Income Ratio | 2,169 | $396,465,000 | $182,000 | $3,205,000 | $78,000 | $2,051,000 |
| Credit History | 1,838 | $187,480,000 | $102,000 | $1,955,000 | $99,000 | $1,956,000 |
| Collateral | 913 | $140,115,000 | $153,000 | $3,005,000 | $155,000 | $2,199,000 |
| Other | 233 | $31,105,000 | $133,000 | $1,205,000 | $152,000 | $775,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 203 | $50,365,000 | $248,000 | $1,505,000 | $108,000 | $782,000 |
| Unverifiable Information | 110 | $14,660,000 | $133,000 | $755,000 | $143,000 | $962,000 |
| Employment History | 4 | $1,020,000 | $255,000 | $605,000 | $111,000 | $149,000 |
| Credit Application Incomplete | 1 | $205,000 | $205,000 | $205,000 | $329,000 | $329,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First-Citizens Bank & Trust Company's 2019 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-Citizens Bank & Trust Company'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.