First Ciitizens Bank and Trust Mortgage Lending & HMDA Data, 2021
In 2021, First Ciitizens Bank and Trust of Raleigh, NC reported 30,693 mortgage applications totaling $7.2 billion, down 2% from 2020. The average application was for $235,198, and applicants reported an average income of $179,667. 69% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Charlotte-Concord-Gastonia, NC-SC (4,237), Raleigh, NC (3,209) and Columbia, SC (1,909) (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 | 30,693 |
| Total Mortgage Loan Application Amount | $7,218,955,000 |
| Average Mortgage Loan Application Amount | $235,198 |
| Highest Mortgage Loan Application Amount | $6,405,000 |
| Average Applicant Income | $179,667 |
| Highest Applicant Income | $8,952,000 |
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records First Ciitizens Bank and Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 5,036 | $ 1,048,430,000 | $ 208,187 | $ 150,431 |
| Charlotte-Concord-Gastonia, NC-SC | 4,237 | $ 931,355,000 | $ 219,814 | $ 191,027 |
| Raleigh, NC | 3,209 | $ 733,925,000 | $ 228,708 | $ 201,000 |
| Columbia, SC | 1,909 | $ 358,285,000 | $ 187,682 | $ 151,000 |
| Charleston-North Charleston, SC | 1,835 | $ 630,565,000 | $ 343,632 | $ 207,000 |
| Asheville, NC | 1,373 | $ 338,985,000 | $ 246,893 | $ 155,000 |
| Greenville-Anderson-Mauldin, SC | 1,199 | $ 244,325,000 | $ 203,773 | $ 141,000 |
| Durham-Chapel Hill, NC | 1,020 | $ 290,440,000 | $ 284,745 | $ 228,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 928 | $ 220,110,000 | $ 237,187 | $ 172,226 |
| Wilmington, NC | 848 | $ 230,870,000 | $ 272,252 | $ 253,000 |
| Hickory-Lenoir-Morganton, NC | 754 | $ 122,410,000 | $ 162,347 | $ 130,000 |
| Greensboro-High Point, NC | 729 | $ 136,565,000 | $ 187,331 | $ 179,000 |
| Winston-Salem, NC | 627 | $ 111,625,000 | $ 178,030 | $ 145,000 |
| Spartanburg, SC | 591 | $ 102,815,000 | $ 173,967 | $ 119,000 |
| Fayetteville, NC | 566 | $ 85,990,000 | $ 151,925 | $ 139,000 |
| New Bern, NC | 497 | $ 113,335,000 | $ 228,038 | $ 166,000 |
| Augusta-Richmond County, GA-SC | 466 | $ 82,840,000 | $ 177,768 | $ 131,371 |
| Roanoke, VA | 418 | $ 88,170,000 | $ 210,933 | $ 178,000 |
| Florence, SC | 371 | $ 62,895,000 | $ 169,528 | $ 126,000 |
| Atlanta-Sandy Springs-Roswell, GA | 306 | $ 108,730,000 | $ 355,326 | $ 261,000 |
| Richmond, VA | 273 | $ 57,475,000 | $ 210,531 | $ 201,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 259 | $ 94,425,000 | $ 364,575 | $ 287,000 |
| Greenville, NC | 243 | $ 55,505,000 | $ 228,415 | $ 184,000 |
| Jacksonville, NC | 232 | $ 45,500,000 | $ 196,120 | $ 136,000 |
| Lynchburg, VA | 181 | $ 35,605,000 | $ 196,712 | $ 178,000 |
| Milwaukee-Waukesha-West Allis, WI | 180 | $ 50,580,000 | $ 281,000 | $ 151,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 171 | $ 55,845,000 | $ 326,578 | $ 216,502 |
| Sumter, SC | 149 | $ 22,935,000 | $ 153,926 | $ 106,000 |
| Charlottesville, VA | 135 | $ 35,535,000 | $ 263,222 | $ 238,000 |
| Goldsboro, NC | 123 | $ 15,005,000 | $ 121,991 | $ 108,000 |
| Athens-Clarke County, GA | 116 | $ 16,580,000 | $ 142,931 | $ 83,000 |
| Blacksburg-Christiansburg-Radford, VA | 104 | $ 18,820,000 | $ 180,961 | $ 173,000 |
| Miami-Miami Beach-Kendall, FL | 93 | $ 65,975,000 | $ 709,408 | $ 466,000 |
| Savannah, GA | 68 | $ 18,240,000 | $ 268,235 | $ 241,000 |
| Jacksonville, FL | 65 | $ 23,175,000 | $ 356,538 | $ 261,000 |
| Burlington, NC | 64 | $ 14,430,000 | $ 225,468 | $ 128,000 |
| Rocky Mount, NC | 63 | $ 9,125,000 | $ 144,841 | $ 98,000 |
| Tampa-St. Petersburg-Clearwater, FL | 58 | $ 16,900,000 | $ 291,379 | $ 224,000 |
| Baltimore-Columbia-Towson, MD | 57 | $ 20,755,000 | $ 364,122 | $ 301,000 |
| Harrisonburg, VA | 55 | $ 7,545,000 | $ 137,181 | $ 117,000 |
| Staunton-Waynesboro, VA | 47 | $ 7,885,000 | $ 167,765 | $ 109,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 47 | $ 11,805,000 | $ 251,170 | $ 169,595 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 44 | $ 20,630,000 | $ 468,863 | $ 420,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 41 | $ 19,515,000 | $ 475,975 | $ 317,000 |
| Riverside-San Bernardino-Ontario, CA | 38 | $ 12,670,000 | $ 333,421 | $ 334,000 |
| San Diego-Carlsbad, CA | 38 | $ 22,670,000 | $ 596,578 | $ 319,000 |
| Los Angeles-Long Beach-Glendale, CA | 36 | $ 28,850,000 | $ 801,388 | $ 402,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 33 | $ 15,505,000 | $ 469,848 | $ 330,000 |
| Orlando-Kissimmee-Sanford, FL | 32 | $ 13,560,000 | $ 423,750 | $ 331,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 32 | $ 16,640,000 | $ 520,000 | $ 437,000 |
| Seattle-Bellevue-Everett, WA | 30 | $ 26,020,000 | $ 867,333 | $ 659,000 |
| Knoxville, TN | 28 | $ 8,170,000 | $ 291,785 | $ 257,000 |
| Phoenix-Mesa-Scottsdale, AZ | 27 | $ 12,705,000 | $ 470,555 | $ 310,000 |
| Winchester, VA-WV | 27 | $ 5,135,000 | $ 190,185 | $ 295,000 |
| Anaheim-Santa Ana-Irvine, CA | 26 | $ 26,080,000 | $ 1,003,076 | $ 628,000 |
| Naples-Immokalee-Marco Island, FL | 25 | $ 9,535,000 | $ 381,400 | $ 265,000 |
| Austin-Round Rock, TX | 24 | $ 14,280,000 | $ 595,000 | $ 606,000 |
| Chattanooga, TN-GA | 23 | $ 12,495,000 | $ 543,260 | $ 321,260 |
| Johnson City, TN | 23 | $ 7,105,000 | $ 308,913 | $ 208,000 |
| Cape Coral-Fort Myers, FL | 22 | $ 19,950,000 | $ 906,818 | $ 335,000 |
| Port St. Lucie, FL | 20 | $ 6,720,000 | $ 336,000 | $ 369,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 20 | $ 15,970,000 | $ 798,500 | $ 383,950 |
| Albuquerque, NM | 19 | $ 6,785,000 | $ 357,105 | $ 206,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 17 | $ 12,495,000 | $ 735,000 | $ 253,000 |
| Denver-Aurora-Lakewood, CO | 16 | $ 4,850,000 | $ 303,125 | $ 223,000 |
| Gainesville, GA | 15 | $ 6,905,000 | $ 460,333 | $ 236,000 |
| Tacoma-Lakewood, WA | 15 | $ 4,865,000 | $ 324,333 | $ 131,000 |
| Kansas City, MO-KS | 14 | $ 5,460,000 | $ 390,000 | $ 180,142 |
| Olympia-Tumwater, WA | 14 | $ 3,370,000 | $ 240,714 | $ 125,000 |
| Houston-The Woodlands-Sugar Land, TX | 13 | $ 7,745,000 | $ 595,769 | $ 264,000 |
| Santa Fe, NM | 13 | $ 7,685,000 | $ 591,153 | $ 318,000 |
| Brunswick, GA | 12 | $ 4,440,000 | $ 370,000 | $ 294,000 |
| Crestview-Fort Walton Beach-Destin, FL | 11 | $ 6,135,000 | $ 557,727 | $ 532,000 |
| Dallas-Plano-Irving, TX | 11 | $ 5,055,000 | $ 459,545 | $ 283,000 |
| Oklahoma City, OK | 11 | $ 3,705,000 | $ 336,818 | $ 310,000 |
| North Port-Sarasota-Bradenton, FL | 10 | $ 8,440,000 | $ 844,000 | $ 649,000 |
| Tucson, AZ | 10 | $ 3,600,000 | $ 360,000 | $ 236,000 |
| Washington-Baltimore-Arlington, DC | 10 | $ 7,350,000 | $ 735,000 | $ 573,000 |
| Palm Bay-Melbourne-Titusville, FL | 9 | $ 2,865,000 | $ 318,333 | $ 156,000 |
| Memphis, TN-MS-AR | 8 | $ 1,550,000 | $ 193,750 | $ 240,000 |
| Racine, WI | 7 | $ 1,215,000 | $ 173,571 | $ 78,000 |
| Sheboygan, WI | 7 | $ 2,965,000 | $ 423,571 | $ 79,000 |
| St. Louis, MO-IL | 7 | $ 1,425,000 | $ 203,571 | $ 124,000 |
| Hagerstown-Martinsburg, MD-WV | 6 | $ 1,700,000 | $ 283,333 | $ 207,333 |
| Punta Gorda, FL | 6 | $ 3,200,000 | $ 533,333 | $ 271,000 |
| Kingsport-Bristol-Bristol, TN-VA | 5 | $ 1,265,000 | $ 253,000 | $ 216,800 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 1,215,000 | $ 243,000 | $ 167,000 |
| San Antonio-New Braunfels, TX | 5 | $ 1,945,000 | $ 389,000 | $ 185,000 |
| Bremerton-Silverdale, WA | 4 | $ 780,000 | $ 195,000 | $ 132,000 |
| Colorado Springs, CO | 4 | $ 2,150,000 | $ 537,500 | $ 337,000 |
| Fond Du Lac, WI | 4 | $ 350,000 | $ 87,500 | $ 77,000 |
| Fort Worth-Arlington, TX | 4 | $ 660,000 | $ 165,000 | $ 237,000 |
| Gainesville, FL | 4 | $ 950,000 | $ 237,500 | $ 135,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 1,030,000 | $ 257,500 | $ 1,166,000 |
| Ocala, FL | 4 | $ 2,240,000 | $ 560,000 | $ 354,000 |
| Clarksville, TN-KY | 3 | $ 415,000 | $ 138,333 | $ 114,000 |
| Homosassa Springs, FL | 3 | $ 935,000 | $ 311,666 | $ 184,000 |
| Lakeland-Winter Haven, FL | 3 | $ 755,000 | $ 251,666 | $ 198,000 |
| Macon-Bibb County, GA | 3 | $ 475,000 | $ 158,333 | $ 201,000 |
| Morristown, TN | 3 | $ 1,015,000 | $ 338,333 | $ 146,000 |
| Oakland-Hayward-Berkeley, CA | 3 | $ 1,655,000 | $ 551,666 | $ 579,000 |
| Salisbury, MD-DE | 3 | $ 1,035,000 | $ 345,000 | $ 261,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 3,405,000 | $ 1,135,000 | $ 524,000 |
| Wenatchee, WA | 3 | $ 1,905,000 | $ 635,000 | $ 537,000 |
| Albany, GA | 2 | $ 250,000 | $ 125,000 | $ 263,000 |
| Dalton, GA | 2 | $ 160,000 | $ 80,000 | $ 339,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 920,000 | $ 460,000 | $ 750,000 |
| Madison, WI | 2 | $ 330,000 | $ 165,000 | $ 197,000 |
| Medford, OR | 2 | $ 980,000 | $ 490,000 | $ 243,000 |
| Morgantown, WV | 2 | $ 240,000 | $ 120,000 | $ 58,000 |
| Panama City, FL | 2 | $ 510,000 | $ 255,000 | $ 307,000 |
| Philadelphia, PA | 2 | $ 700,000 | $ 350,000 | $ 479,000 |
| Rome, GA | 2 | $ 690,000 | $ 345,000 | $ 906,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 1,960,000 | $ 980,000 | $ 499,000 |
| The Villages, FL | 2 | $ 600,000 | $ 300,000 | $ 433,000 |
| Tulsa, OK | 2 | $ 260,000 | $ 130,000 | $ 77,000 |
| Wilmington, DE-MD-NJ | 2 | $ 450,000 | $ 225,000 | $ 54,000 |
| Abilene, TX | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Bakersfield, CA | 1 | $ 205,000 | $ 205,000 | $ 655,000 |
| Beaumont-Port Arthur, TX | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| Birmingham-Hoover, AL | 1 | $ 545,000 | $ 545,000 | $ 228,000 |
| California-Lexington Park, MD | 1 | $ 515,000 | $ 515,000 | $ 544,000 |
| Cape Girardeau, MO-IL | 1 | $ 115,000 | $ 115,000 | $ 90,000 |
| Charleston, WV | 1 | $ 165,000 | $ 165,000 | $ 864,000 |
| Cleveland, TN | 1 | $ 155,000 | $ 155,000 | $ 141,000 |
| Columbia, MO | 1 | $ 185,000 | $ 185,000 | $ 87,000 |
| Columbus, GA-AL | 1 | $ 145,000 | $ 145,000 | $ 38,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 715,000 | $ 715,000 | $ 233,000 |
| El Paso, TX | 1 | $ 765,000 | $ 765,000 | $ 506,000 |
| Farmington, NM | 1 | $ 235,000 | $ 235,000 | $ 118,000 |
| Greeley, CO | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Hinesville, GA | 1 | $ 125,000 | $ 125,000 | $ 138,000 |
| Huntsville, AL | 1 | $ 155,000 | $ 155,000 | $ 831,000 |
| Jackson, TN | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Jefferson City, MO | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 1 | $ 135,000 | $ 135,000 | $ 98,000 |
| Las Cruces, NM | 1 | $ 445,000 | $ 445,000 | $ 132,000 |
| Lawrence, KS | 1 | $ 125,000 | $ 125,000 | $ 312,000 |
| Longview, WA | 1 | $ 785,000 | $ 785,000 | $ 268,000 |
| Madera, CA | 1 | $ 575,000 | $ 575,000 | $ 950,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 35,000 | $ 35,000 | $ 98,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 365,000 | $ 365,000 | $ 233,000 |
| Nassau County-Suffolk County, NY | 1 | $ 905,000 | $ 905,000 | $ 72,000 |
| New Haven-Milford, CT | 1 | $ 155,000 | $ 155,000 | $ 240,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 895,000 | $ 895,000 | $ 125,000 |
| Parkersburg-Vienna, WV | 1 | $ 265,000 | $ 265,000 | $ 240,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 1,255,000 | $ 1,255,000 | $ 1,065,000 |
| Salinas, CA | 1 | $ 725,000 | $ 725,000 | $ 120,000 |
| Salt Lake City, UT | 1 | $ 205,000 | $ 205,000 | $ 514,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 1,135,000 | $ 1,135,000 | $ 0 |
| Santa Rosa, CA | 1 | $ 1,755,000 | $ 1,755,000 | $ 329,000 |
| Sebastian-Vero Beach, FL | 1 | $ 405,000 | $ 405,000 | $ 750,000 |
| Sebring, FL | 1 | $ 235,000 | $ 235,000 | $ 104,000 |
| Springfield, MO | 1 | $ 105,000 | $ 105,000 | $ 112,000 |
| Tallahassee, FL | 1 | $ 165,000 | $ 165,000 | $ 42,000 |
| Valdosta, GA | 1 | $ 55,000 | $ 55,000 | $ 163,000 |
| Vallejo-Fairfield, CA | 1 | $ 145,000 | $ 145,000 | $ 168,000 |
| Warner Robins, GA | 1 | $ 215,000 | $ 215,000 | $ 78,000 |
| Wausau, WI | 1 | $ 145,000 | $ 145,000 | $ 40,000 |
| Wheeling, WV-OH | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Yuma, AZ | 1 | $ 75,000 | $ 75,000 | $ 28,000 |
Mortgage Loan Application Detail Totals for First Ciitizens Bank and Trust in 2021
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 |
|---|---|---|---|---|---|---|
| Refinancing | 9,916 | $2,387,760,000 | $240,000 | $4,785,000 | $169,000 | $5,820,000 |
| Home Purchase | 8,069 | $2,890,775,000 | $358,000 | $6,405,000 | $196,000 | $8,952,000 |
| Other Purpose | 5,630 | $764,960,000 | $135,000 | $4,005,000 | $187,000 | $4,440,000 |
| Home Improvement | 5,175 | $599,565,000 | $115,000 | $1,205,000 | $175,000 | $2,991,000 |
| Cash-out Refinancing | 1,903 | $575,895,000 | $302,000 | $3,435,000 | $157,000 | $3,547,000 |
| 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 | 20,612 | $4,826,240,000 | $234,000 | $6,115,000 | $175,000 | $8,952,000 |
| Not Provided | 6,027 | $1,385,705,000 | $229,000 | $5,005,000 | $224,000 | $6,946,000 |
| Black or African American | 1,691 | $321,985,000 | $190,000 | $3,005,000 | $113,000 | $5,820,000 |
| Hispanic | 741 | $174,615,000 | $235,000 | $5,005,000 | $119,000 | $4,200,000 |
| Not applicable | 685 | $255,935,000 | $373,000 | $6,405,000 | $0 | $0 |
| Asian | 665 | $196,735,000 | $295,000 | $2,655,000 | $184,000 | $1,958,000 |
| American Indian or Alaskan Native | 143 | $31,035,000 | $217,000 | $1,005,000 | $143,000 | $680,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $3,830,000 | $212,000 | $715,000 | $218,000 | $613,000 |
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) | 30,076 | $7,092,720,000 | $235,000 | $6,405,000 | $182,000 | $8,952,000 |
| FHA-insured (Federal Housing Administration) | 351 | $64,515,000 | $183,000 | $395,000 | $63,000 | $2,636,000 |
| VA-guaranteed (Veterans Administration) | 163 | $44,075,000 | $270,000 | $765,000 | $99,000 | $868,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 103 | $17,645,000 | $171,000 | $375,000 | $52,000 | $114,000 |
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 | 21,205 | $4,979,615,000 | $234,000 | $6,405,000 | $196,000 | $8,952,000 |
| Application Denied By Financial Institution | 5,522 | $1,145,840,000 | $207,000 | $6,005,000 | $115,000 | $5,820,000 |
| File Closed For Incompleteness | 2,246 | $701,510,000 | $312,000 | $3,335,000 | $185,000 | $4,880,000 |
| Application Approved But Not Accepted | 1,000 | $208,700,000 | $208,000 | $6,115,000 | $176,000 | $2,407,000 |
| Application Withdrawn By Applicant | 720 | $183,290,000 | $254,000 | $2,605,000 | $223,000 | $3,128,000 |
| 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 | 25,171 | $6,073,115,000 | $241,000 | $6,405,000 | $195,000 | $8,952,000 |
| Debt-To-Income Ratio | 2,556 | $606,950,000 | $237,000 | $6,005,000 | $78,000 | $2,251,000 |
| Credit History | 1,560 | $218,690,000 | $140,000 | $3,005,000 | $116,000 | $5,580,000 |
| Collateral | 711 | $134,915,000 | $189,000 | $3,725,000 | $172,000 | $1,583,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 257 | $90,035,000 | $350,000 | $2,255,000 | $157,000 | $2,400,000 |
| Other | 254 | $57,430,000 | $226,000 | $3,005,000 | $211,000 | $5,820,000 |
| Unverifiable Information | 177 | $36,805,000 | $207,000 | $1,605,000 | $205,000 | $2,972,000 |
| Employment History | 4 | $610,000 | $152,000 | $185,000 | $52,000 | $90,000 |
| Credit Application Incomplete | 3 | $405,000 | $135,000 | $305,000 | $186,000 | $345,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Ciitizens Bank and Trust's 2021 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.
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