First Ciitizens Bank and Trust Mortgage Lending & HMDA Data, 2019
In 2019, First Ciitizens Bank and Trust of Raleigh, NC reported 26,035 mortgage applications totaling $4.5 billion, up 7% from 2018. The average application was for $174,209, and applicants reported an average income of $150,202. 69% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Charlotte-Concord-Gastonia, NC-SC (3,669), Raleigh, NC (2,614) and Columbia, SC (1,641) (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 | 26,035 |
| Total Mortgage Loan Application Amount | $4,535,545,000 |
| Average Mortgage Loan Application Amount | $174,209 |
| Highest Mortgage Loan Application Amount | $6,305,000 |
| Average Applicant Income | $150,202 |
| Highest Applicant Income | $5,111,000 |
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records First Ciitizens Bank and Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 4,699 | $ 729,945,000 | $ 155,340 | $ 133,099 |
| Charlotte-Concord-Gastonia, NC-SC | 3,669 | $ 621,425,000 | $ 169,371 | $ 156,888 |
| Raleigh, NC | 2,614 | $ 450,440,000 | $ 172,318 | $ 172,000 |
| Columbia, SC | 1,641 | $ 239,265,000 | $ 145,804 | $ 134,000 |
| Charleston-North Charleston, SC | 1,341 | $ 326,525,000 | $ 243,493 | $ 167,000 |
| Greenville-Anderson-Mauldin, SC | 1,253 | $ 220,845,000 | $ 176,252 | $ 139,000 |
| Asheville, NC | 1,161 | $ 222,425,000 | $ 191,580 | $ 140,000 |
| Durham-Chapel Hill, NC | 875 | $ 202,695,000 | $ 231,651 | $ 197,000 |
| Greensboro-High Point, NC | 733 | $ 114,955,000 | $ 156,828 | $ 157,000 |
| Wilmington, NC | 680 | $ 174,140,000 | $ 256,088 | $ 212,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 655 | $ 121,995,000 | $ 186,251 | $ 146,306 |
| Hickory-Lenoir-Morganton, NC | 625 | $ 75,935,000 | $ 121,496 | $ 106,000 |
| Winston-Salem, NC | 586 | $ 91,940,000 | $ 156,894 | $ 147,000 |
| Spartanburg, SC | 548 | $ 70,650,000 | $ 128,923 | $ 106,000 |
| Fayetteville, NC | 526 | $ 62,270,000 | $ 118,384 | $ 109,000 |
| Roanoke, VA | 363 | $ 56,805,000 | $ 156,487 | $ 131,000 |
| Augusta-Richmond County, GA-SC | 362 | $ 48,040,000 | $ 132,707 | $ 110,016 |
| Florence, SC | 338 | $ 47,900,000 | $ 141,715 | $ 110,000 |
| New Bern, NC | 315 | $ 50,855,000 | $ 161,444 | $ 133,000 |
| Atlanta-Sandy Springs-Roswell, GA | 272 | $ 57,850,000 | $ 212,683 | $ 169,000 |
| Richmond, VA | 266 | $ 39,840,000 | $ 149,774 | $ 187,000 |
| Greenville, NC | 200 | $ 33,320,000 | $ 166,600 | $ 163,000 |
| Lynchburg, VA | 185 | $ 28,215,000 | $ 152,513 | $ 136,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 178 | $ 37,370,000 | $ 209,943 | $ 187,000 |
| Jacksonville, NC | 178 | $ 26,280,000 | $ 147,640 | $ 109,000 |
| Sumter, SC | 151 | $ 17,485,000 | $ 115,794 | $ 127,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 122 | $ 33,220,000 | $ 272,295 | $ 211,581 |
| Charlottesville, VA | 121 | $ 23,885,000 | $ 197,396 | $ 203,000 |
| Goldsboro, NC | 112 | $ 14,800,000 | $ 132,142 | $ 125,000 |
| Milwaukee-Waukesha-West Allis, WI | 111 | $ 15,595,000 | $ 140,495 | $ 103,000 |
| Athens-Clarke County, GA | 104 | $ 10,550,000 | $ 101,442 | $ 82,000 |
| Blacksburg-Christiansburg-Radford, VA | 93 | $ 15,215,000 | $ 163,602 | $ 163,000 |
| Savannah, GA | 61 | $ 14,835,000 | $ 243,196 | $ 175,000 |
| Rocky Mount, NC | 56 | $ 6,450,000 | $ 115,178 | $ 134,000 |
| Staunton-Waynesboro, VA | 55 | $ 5,945,000 | $ 108,090 | $ 89,000 |
| Burlington, NC | 50 | $ 8,500,000 | $ 170,000 | $ 206,000 |
| Jacksonville, FL | 46 | $ 7,930,000 | $ 172,391 | $ 192,000 |
| Harrisonburg, VA | 44 | $ 10,050,000 | $ 228,409 | $ 130,000 |
| Tampa-St. Petersburg-Clearwater, FL | 39 | $ 8,595,000 | $ 220,384 | $ 114,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 38 | $ 5,740,000 | $ 151,052 | $ 153,421 |
| Phoenix-Mesa-Scottsdale, AZ | 34 | $ 13,720,000 | $ 403,529 | $ 325,000 |
| Knoxville, TN | 33 | $ 12,105,000 | $ 366,818 | $ 282,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 32 | $ 6,950,000 | $ 217,187 | $ 222,000 |
| Los Angeles-Long Beach-Glendale, CA | 26 | $ 12,760,000 | $ 490,769 | $ 312,000 |
| Naples-Immokalee-Marco Island, FL | 25 | $ 7,565,000 | $ 302,600 | $ 332,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 24 | $ 7,590,000 | $ 316,250 | $ 184,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 22 | $ 5,800,000 | $ 263,636 | $ 234,000 |
| Cape Coral-Fort Myers, FL | 21 | $ 3,925,000 | $ 186,904 | $ 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 | $ 411,111 | $ 252,000 |
| Winchester, VA-WV | 18 | $ 2,460,000 | $ 136,666 | $ 155,000 |
| Miami-Miami Beach-Kendall, FL | 15 | $ 8,795,000 | $ 586,333 | $ 495,000 |
| Orlando-Kissimmee-Sanford, FL | 15 | $ 3,675,000 | $ 245,000 | $ 185,000 |
| San Diego-Carlsbad, CA | 15 | $ 3,665,000 | $ 244,333 | $ 170,000 |
| Port St. Lucie, FL | 14 | $ 3,240,000 | $ 231,428 | $ 218,000 |
| Racine, WI | 13 | $ 1,605,000 | $ 123,461 | $ 105,000 |
| Seattle-Bellevue-Everett, WA | 13 | $ 5,305,000 | $ 408,076 | $ 344,000 |
| Gainesville, GA | 12 | $ 10,180,000 | $ 848,333 | $ 277,000 |
| Tacoma-Lakewood, WA | 9 | $ 2,075,000 | $ 230,555 | $ 306,000 |
| Washington-Baltimore-Arlington, DC | 9 | $ 1,675,000 | $ 186,111 | $ 159,000 |
| Riverside-San Bernardino-Ontario, CA | 8 | $ 1,180,000 | $ 147,500 | $ 230,000 |
| Chattanooga, TN-GA | 7 | $ 2,615,000 | $ 373,571 | $ 417,714 |
| 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 | $ 223,571 | $ 175,428 |
| Sacramento--Roseville--Arden-Arcade, CA | 7 | $ 1,145,000 | $ 163,571 | $ 148,000 |
| Johnson City, TN | 6 | $ 1,170,000 | $ 195,000 | $ 144,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 1,180,000 | $ 196,666 | $ 83,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 860,000 | $ 143,333 | $ 102,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 5 | $ 1,755,000 | $ 351,000 | $ 415,400 |
| Santa Fe, NM | 5 | $ 3,565,000 | $ 713,000 | $ 193,000 |
| Albuquerque, NM | 4 | $ 1,710,000 | $ 427,500 | $ 196,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 1,730,000 | $ 432,500 | $ 291,000 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 900,000 | $ 225,000 | $ 258,000 |
| Kingsport-Bristol-Bristol, TN-VA | 4 | $ 1,290,000 | $ 322,500 | $ 198,000 |
| Madison, WI | 4 | $ 650,000 | $ 162,500 | $ 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 | $ 268,333 | $ 99,000 |
| Brunswick, GA | 3 | $ 755,000 | $ 251,666 | $ 258,000 |
| Colorado Springs, CO | 3 | $ 605,000 | $ 201,666 | $ 246,000 |
| Panama City, FL | 3 | $ 875,000 | $ 291,666 | $ 120,000 |
| Pittsburgh, PA | 3 | $ 1,495,000 | $ 498,333 | $ 255,000 |
| Sheboygan, WI | 3 | $ 635,000 | $ 211,666 | $ 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 Ciitizens Bank and Trust 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 Ciitizens Bank and Trust'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 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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