First Ciitizens Bank and Trust Mortgage Lending & HMDA Data, 2022
In 2022, First Ciitizens Bank and Trust of Raleigh, NC reported 27,874 mortgage applications totaling $9.3 billion, down 9% from 2021. The average application was for $332,978, and applicants reported an average income of $199,923. 69% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Charlotte-Concord-Gastonia, NC-SC (3,308), Raleigh, NC (2,936) and Charleston-North Charleston, SC (1,565) (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 | 27,874 |
| Total Mortgage Loan Application Amount | $9,281,430,000 |
| Average Mortgage Loan Application Amount | $332,978 |
| Highest Mortgage Loan Application Amount | $55,005,000 |
| Average Applicant Income | $199,923 |
| Highest Applicant Income | $9,441,000 |
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records First Ciitizens Bank and Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,879 | $ 937,145,000 | $ 241,594 | $ 170,541 |
| Charlotte-Concord-Gastonia, NC-SC | 3,308 | $ 765,760,000 | $ 231,487 | $ 193,992 |
| Raleigh, NC | 2,936 | $ 737,720,000 | $ 251,267 | $ 200,000 |
| Charleston-North Charleston, SC | 1,565 | $ 556,945,000 | $ 355,875 | $ 235,000 |
| Columbia, SC | 1,452 | $ 280,880,000 | $ 193,443 | $ 156,000 |
| Asheville, NC | 1,023 | $ 281,925,000 | $ 275,586 | $ 186,000 |
| Greenville-Anderson-Mauldin, SC | 952 | $ 238,640,000 | $ 250,672 | $ 160,000 |
| Durham-Chapel Hill, NC | 921 | $ 276,305,000 | $ 300,005 | $ 214,000 |
| Wilmington, NC | 811 | $ 216,875,000 | $ 267,416 | $ 230,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 776 | $ 197,800,000 | $ 254,896 | $ 179,670 |
| Los Angeles-Long Beach-Glendale, CA | 763 | $ 850,045,000 | $ 1,114,082 | $ 319,000 |
| Hickory-Lenoir-Morganton, NC | 680 | $ 128,170,000 | $ 188,485 | $ 149,000 |
| Greensboro-High Point, NC | 562 | $ 114,460,000 | $ 203,665 | $ 177,000 |
| Fayetteville, NC | 481 | $ 73,015,000 | $ 151,798 | $ 132,000 |
| Winston-Salem, NC | 481 | $ 85,895,000 | $ 178,575 | $ 172,000 |
| Spartanburg, SC | 478 | $ 87,090,000 | $ 182,196 | $ 132,000 |
| Augusta-Richmond County, GA-SC | 387 | $ 82,345,000 | $ 212,777 | $ 150,581 |
| Atlanta-Sandy Springs-Roswell, GA | 333 | $ 128,495,000 | $ 385,870 | $ 237,000 |
| New Bern, NC | 326 | $ 79,630,000 | $ 244,263 | $ 170,000 |
| Florence, SC | 287 | $ 38,015,000 | $ 132,456 | $ 106,000 |
| Roanoke, VA | 284 | $ 57,460,000 | $ 202,323 | $ 177,000 |
| Anaheim-Santa Ana-Irvine, CA | 253 | $ 283,965,000 | $ 1,122,391 | $ 326,000 |
| Richmond, VA | 253 | $ 54,075,000 | $ 213,735 | $ 205,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 250 | $ 89,340,000 | $ 357,360 | $ 261,000 |
| San Diego-Carlsbad, CA | 223 | $ 233,595,000 | $ 1,047,511 | $ 314,000 |
| Jacksonville, NC | 216 | $ 46,600,000 | $ 215,740 | $ 176,000 |
| Greenville, NC | 200 | $ 42,830,000 | $ 214,150 | $ 197,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 179 | $ 70,065,000 | $ 391,424 | $ 243,089 |
| Riverside-San Bernardino-Ontario, CA | 170 | $ 105,140,000 | $ 618,470 | $ 244,000 |
| Lynchburg, VA | 163 | $ 28,995,000 | $ 177,883 | $ 158,000 |
| Seattle-Bellevue-Everett, WA | 156 | $ 208,480,000 | $ 1,336,410 | $ 347,000 |
| Milwaukee-Waukesha-West Allis, WI | 151 | $ 31,245,000 | $ 206,920 | $ 184,000 |
| Charlottesville, VA | 120 | $ 33,340,000 | $ 277,833 | $ 251,000 |
| Phoenix-Mesa-Scottsdale, AZ | 114 | $ 200,140,000 | $ 1,755,614 | $ 324,000 |
| Sumter, SC | 101 | $ 15,835,000 | $ 156,782 | $ 118,000 |
| Miami-Miami Beach-Kendall, FL | 98 | $ 72,200,000 | $ 736,734 | $ 391,000 |
| Goldsboro, NC | 96 | $ 14,440,000 | $ 150,416 | $ 168,000 |
| Athens-Clarke County, GA | 94 | $ 15,070,000 | $ 160,319 | $ 100,000 |
| Denver-Aurora-Lakewood, CO | 90 | $ 61,310,000 | $ 681,222 | $ 274,000 |
| Tampa-St. Petersburg-Clearwater, FL | 82 | $ 31,170,000 | $ 380,121 | $ 228,000 |
| Jacksonville, FL | 79 | $ 32,075,000 | $ 406,012 | $ 311,000 |
| Rocky Mount, NC | 79 | $ 12,725,000 | $ 161,075 | $ 126,000 |
| Blacksburg-Christiansburg-Radford, VA | 75 | $ 12,935,000 | $ 172,466 | $ 214,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 73 | $ 62,425,000 | $ 855,136 | $ 297,000 |
| Savannah, GA | 73 | $ 21,035,000 | $ 288,150 | $ 178,000 |
| Oakland-Hayward-Berkeley, CA | 70 | $ 99,550,000 | $ 1,422,142 | $ 294,000 |
| Dallas-Plano-Irving, TX | 68 | $ 75,440,000 | $ 1,109,411 | $ 258,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 68 | $ 64,620,000 | $ 950,294 | $ 337,000 |
| Austin-Round Rock, TX | 61 | $ 34,555,000 | $ 566,475 | $ 302,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 59 | $ 29,745,000 | $ 504,152 | $ 265,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 57 | $ 27,845,000 | $ 488,508 | $ 313,000 |
| Las Vegas-Henderson-Paradise, NV | 57 | $ 54,655,000 | $ 958,859 | $ 212,000 |
| Orlando-Kissimmee-Sanford, FL | 53 | $ 51,815,000 | $ 977,641 | $ 215,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 53 | $ 42,605,000 | $ 803,867 | $ 275,056 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 51 | $ 30,105,000 | $ 590,294 | $ 265,000 |
| Burlington, NC | 47 | $ 9,235,000 | $ 196,489 | $ 104,000 |
| Staunton-Waynesboro, VA | 46 | $ 9,330,000 | $ 202,826 | $ 157,000 |
| Knoxville, TN | 44 | $ 21,300,000 | $ 484,090 | $ 296,000 |
| Houston-The Woodlands-Sugar Land, TX | 41 | $ 25,365,000 | $ 618,658 | $ 248,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 39 | $ 8,395,000 | $ 215,256 | $ 224,538 |
| Baltimore-Columbia-Towson, MD | 38 | $ 17,650,000 | $ 464,473 | $ 259,000 |
| Harrisonburg, VA | 37 | $ 6,345,000 | $ 171,486 | $ 131,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 36 | $ 38,970,000 | $ 1,082,500 | $ 306,000 |
| Naples-Immokalee-Marco Island, FL | 32 | $ 19,580,000 | $ 611,875 | $ 269,000 |
| Cape Coral-Fort Myers, FL | 30 | $ 9,890,000 | $ 329,666 | $ 218,000 |
| Santa Maria-Santa Barbara, CA | 29 | $ 34,335,000 | $ 1,183,965 | $ 280,000 |
| North Port-Sarasota-Bradenton, FL | 27 | $ 14,265,000 | $ 528,333 | $ 242,000 |
| San Francisco-Redwood City-South San Francisco, CA | 27 | $ 36,255,000 | $ 1,342,777 | $ 338,000 |
| Chattanooga, TN-GA | 25 | $ 17,925,000 | $ 717,000 | $ 251,120 |
| Chicago-Naperville, IL | 25 | $ 15,825,000 | $ 633,000 | $ 321,000 |
| Tacoma-Lakewood, WA | 25 | $ 17,015,000 | $ 680,600 | $ 534,000 |
| Albuquerque, NM | 24 | $ 9,320,000 | $ 388,333 | $ 189,000 |
| Crestview-Fort Walton Beach-Destin, FL | 24 | $ 19,540,000 | $ 814,166 | $ 486,000 |
| Port St. Lucie, FL | 21 | $ 8,835,000 | $ 420,714 | $ 291,000 |
| Johnson City, TN | 19 | $ 3,705,000 | $ 195,000 | $ 212,000 |
| Fort Worth-Arlington, TX | 18 | $ 9,680,000 | $ 537,777 | $ 299,000 |
| Winchester, VA-WV | 18 | $ 3,150,000 | $ 175,000 | $ 271,000 |
| Reno, NV | 16 | $ 10,040,000 | $ 627,500 | $ 164,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 15 | $ 54,105,000 | $ 3,607,000 | $ 309,000 |
| Lake County-Kenosha County, IL-WI | 15 | $ 3,555,000 | $ 237,000 | $ 130,800 |
| San Rafael, CA | 14 | $ 27,070,000 | $ 1,933,571 | $ 721,000 |
| Washington-Baltimore-Arlington, DC | 14 | $ 7,710,000 | $ 550,714 | $ 239,000 |
| Kansas City, MO-KS | 13 | $ 5,975,000 | $ 459,615 | $ 294,692 |
| Gainesville, GA | 12 | $ 5,230,000 | $ 435,833 | $ 256,000 |
| Fresno, CA | 11 | $ 9,405,000 | $ 855,000 | $ 303,000 |
| New York-Jersey City-White Plains, NY-NJ | 11 | $ 15,535,000 | $ 1,412,272 | $ 246,818 |
| Stockton-Lodi, CA | 11 | $ 8,275,000 | $ 752,272 | $ 212,000 |
| Tucson, AZ | 11 | $ 4,435,000 | $ 403,181 | $ 174,000 |
| Bend-Redmond, OR | 10 | $ 11,130,000 | $ 1,113,000 | $ 477,000 |
| Oklahoma City, OK | 10 | $ 4,690,000 | $ 469,000 | $ 266,000 |
| San Antonio-New Braunfels, TX | 10 | $ 5,730,000 | $ 573,000 | $ 238,000 |
| Santa Fe, NM | 10 | $ 3,840,000 | $ 384,000 | $ 403,000 |
| St. Louis, MO-IL | 10 | $ 6,060,000 | $ 606,000 | $ 272,000 |
| Kingsport-Bristol-Bristol, TN-VA | 9 | $ 1,615,000 | $ 179,444 | $ 117,222 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 9 | $ 5,795,000 | $ 643,888 | $ 305,000 |
| Racine, WI | 9 | $ 2,015,000 | $ 223,888 | $ 128,000 |
| Urban Honolulu, HI | 9 | $ 7,885,000 | $ 876,111 | $ 341,000 |
| Beckley, WV | 8 | $ 880,000 | $ 110,000 | $ 72,000 |
| Montgomery County-Bucks County-Chester County, PA | 8 | $ 4,060,000 | $ 507,500 | $ 224,000 |
| Palm Bay-Melbourne-Titusville, FL | 8 | $ 3,740,000 | $ 467,500 | $ 261,000 |
| Olympia-Tumwater, WA | 7 | $ 2,175,000 | $ 310,714 | $ 103,000 |
| Prescott Valley-Prescott, AZ | 7 | $ 5,715,000 | $ 816,428 | $ 294,000 |
| Salinas, CA | 7 | $ 9,605,000 | $ 1,372,142 | $ 355,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 7 | $ 5,645,000 | $ 806,428 | $ 221,000 |
| Santa Cruz-Watsonville, CA | 7 | $ 7,305,000 | $ 1,043,571 | $ 222,000 |
| Pensacola-Ferry Pass-Brent, FL | 6 | $ 3,060,000 | $ 510,000 | $ 271,000 |
| Punta Gorda, FL | 6 | $ 1,990,000 | $ 331,666 | $ 149,000 |
| Salisbury, MD-DE | 6 | $ 4,220,000 | $ 703,333 | $ 463,833 |
| Spokane-Spokane Valley, WA | 6 | $ 4,370,000 | $ 728,333 | $ 231,000 |
| Vallejo-Fairfield, CA | 6 | $ 4,720,000 | $ 786,666 | $ 218,000 |
| Bellingham, WA | 5 | $ 4,395,000 | $ 879,000 | $ 229,000 |
| Birmingham-Hoover, AL | 5 | $ 1,825,000 | $ 365,000 | $ 227,000 |
| Colorado Springs, CO | 5 | $ 2,145,000 | $ 429,000 | $ 160,000 |
| Macon-Bibb County, GA | 5 | $ 1,145,000 | $ 229,000 | $ 160,000 |
| Memphis, TN-MS-AR | 5 | $ 2,465,000 | $ 493,000 | $ 355,000 |
| Santa Rosa, CA | 5 | $ 4,375,000 | $ 875,000 | $ 211,000 |
| Wenatchee, WA | 5 | $ 3,405,000 | $ 681,000 | $ 393,000 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 2,300,000 | $ 575,000 | $ 262,000 |
| Flagstaff, AZ | 4 | $ 4,390,000 | $ 1,097,500 | $ 1,207,000 |
| Gainesville, FL | 4 | $ 3,580,000 | $ 895,000 | $ 783,000 |
| Green Bay, WI | 4 | $ 1,250,000 | $ 312,500 | $ 75,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 2,510,000 | $ 627,500 | $ 489,000 |
| Madison, WI | 4 | $ 2,650,000 | $ 662,500 | $ 135,000 |
| Ocala, FL | 4 | $ 1,100,000 | $ 275,000 | $ 209,000 |
| Panama City, FL | 4 | $ 1,960,000 | $ 490,000 | $ 330,000 |
| Provo-Orem, UT | 4 | $ 3,550,000 | $ 887,500 | $ 237,000 |
| Bakersfield, CA | 3 | $ 945,000 | $ 315,000 | $ 192,000 |
| Boulder, CO | 3 | $ 2,265,000 | $ 755,000 | $ 153,000 |
| Brunswick, GA | 3 | $ 2,205,000 | $ 735,000 | $ 712,000 |
| East Stroudsburg, PA | 3 | $ 425,000 | $ 141,666 | $ 127,000 |
| Fort Collins, CO | 3 | $ 1,715,000 | $ 571,666 | $ 300,000 |
| Greeley, CO | 3 | $ 1,625,000 | $ 541,666 | $ 160,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 665,000 | $ 221,666 | $ 60,333 |
| Lakeland-Winter Haven, FL | 3 | $ 1,285,000 | $ 428,333 | $ 63,000 |
| Medford, OR | 3 | $ 1,525,000 | $ 508,333 | $ 456,000 |
| New York-Newark, NY | 3 | $ 1,465,000 | $ 488,333 | $ 223,000 |
| Ogden-Clearfield, UT | 3 | $ 2,245,000 | $ 748,333 | $ 195,000 |
| Salt Lake City, UT | 3 | $ 2,815,000 | $ 938,333 | $ 364,000 |
| Sebastian-Vero Beach, FL | 3 | $ 6,595,000 | $ 2,198,333 | $ 556,000 |
| Tulsa, OK | 3 | $ 705,000 | $ 235,000 | $ 109,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 1,685,000 | $ 561,666 | $ 213,000 |
| Yuba City, CA | 3 | $ 1,035,000 | $ 345,000 | $ 219,000 |
| Albany, GA | 2 | $ 190,000 | $ 95,000 | $ 267,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 1,020,000 | $ 510,000 | $ 203,000 |
| Auburn-Opelika, AL | 2 | $ 740,000 | $ 370,000 | $ 186,000 |
| Boston, MA | 2 | $ 1,430,000 | $ 715,000 | $ 256,000 |
| Bremerton-Silverdale, WA | 2 | $ 1,700,000 | $ 850,000 | $ 251,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 36,560,000 | $ 18,280,000 | $ 355,000 |
| Charleston, WV | 2 | $ 350,000 | $ 175,000 | $ 68,000 |
| Chico, CA | 2 | $ 1,280,000 | $ 640,000 | $ 204,000 |
| Cleveland, TN | 2 | $ 560,000 | $ 280,000 | $ 68,000 |
| Columbus, GA-AL | 2 | $ 830,000 | $ 415,000 | $ 179,000 |
| Columbus, OH | 2 | $ 1,860,000 | $ 930,000 | $ 303,000 |
| Corpus Christi, TX | 2 | $ 670,000 | $ 335,000 | $ 217,000 |
| Des Moines-West Des Moines, IA | 2 | $ 1,220,000 | $ 610,000 | $ 572,000 |
| Hinesville, GA | 2 | $ 640,000 | $ 320,000 | $ 90,000 |
| Homosassa Springs, FL | 2 | $ 1,320,000 | $ 660,000 | $ 140,000 |
| Huntsville, AL | 2 | $ 800,000 | $ 400,000 | $ 216,000 |
| Modesto, CA | 2 | $ 2,060,000 | $ 1,030,000 | $ 507,000 |
| Morgantown, WV | 2 | $ 570,000 | $ 285,000 | $ 60,000 |
| Morristown, TN | 2 | $ 380,000 | $ 190,000 | $ 80,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 1,720,000 | $ 860,000 | $ 184,000 |
| Nassau County-Suffolk County, NY | 2 | $ 1,070,000 | $ 535,000 | $ 131,000 |
| New Orleans-Metairie, LA | 2 | $ 1,330,000 | $ 665,000 | $ 351,000 |
| Pittsburgh, PA | 2 | $ 850,000 | $ 425,000 | $ 134,000 |
| Salem, OR | 2 | $ 750,000 | $ 375,000 | $ 274,000 |
| Tallahassee, FL | 2 | $ 550,000 | $ 275,000 | $ 126,000 |
| The Villages, FL | 2 | $ 360,000 | $ 180,000 | $ 145,000 |
| Visalia-Porterville, CA | 2 | $ 580,000 | $ 290,000 | $ 68,000 |
| Worcester, MA-CT | 2 | $ 1,550,000 | $ 775,000 | $ 417,000 |
| Albany, OR | 1 | $ 845,000 | $ 845,000 | $ 217,000 |
| Amarillo, TX | 1 | $ 205,000 | $ 205,000 | $ 134,000 |
| Appleton, WI | 1 | $ 875,000 | $ 875,000 | $ 543,000 |
| Camden, NJ | 1 | $ 825,000 | $ 825,000 | $ 336,000 |
| Clarksville, TN-KY | 1 | $ 495,000 | $ 495,000 | $ 330,000 |
| Cleveland-Elyria, OH | 1 | $ 385,000 | $ 385,000 | $ 136,000 |
| College Station-Bryan, TX | 1 | $ 705,000 | $ 705,000 | $ 325,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 175,000 | $ 175,000 | $ 137,000 |
| Fond Du Lac, WI | 1 | $ 1,165,000 | $ 1,165,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 785,000 | $ 785,000 | $ 218,000 |
| Harrisburg-Carlisle, PA | 1 | $ 255,000 | $ 255,000 | $ 119,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 265,000 | $ 265,000 | $ 120,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 11,505,000 | $ 11,505,000 | $ 0 |
| Jackson, TN | 1 | $ 405,000 | $ 405,000 | $ 144,000 |
| Jefferson City, MO | 1 | $ 325,000 | $ 325,000 | $ 385,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 605,000 | $ 605,000 | $ 52,000 |
| Las Cruces, NM | 1 | $ 245,000 | $ 245,000 | $ 300,000 |
| Longview, WA | 1 | $ 725,000 | $ 725,000 | $ 236,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 1,315,000 | $ 1,315,000 | $ 304,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 215,000 | $ 215,000 | $ 12,000 |
| Merced, CA | 1 | $ 255,000 | $ 255,000 | $ 224,000 |
| Mobile, AL | 1 | $ 435,000 | $ 435,000 | $ 138,000 |
| Napa, CA | 1 | $ 555,000 | $ 555,000 | $ 467,000 |
| Newark, NJ-PA | 1 | $ 275,000 | $ 275,000 | $ 90,000 |
| Norwich-New London, CT | 1 | $ 215,000 | $ 215,000 | $ 80,000 |
| Ocean City, NJ | 1 | $ 845,000 | $ 845,000 | $ 539,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 75,000 | $ 75,000 | $ 223,000 |
| Portland-South Portland, ME | 1 | $ 565,000 | $ 565,000 | $ 241,000 |
| Redding, CA | 1 | $ 715,000 | $ 715,000 | $ 282,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 185,000 | $ 185,000 | $ 33,000 |
| Sebring, FL | 1 | $ 295,000 | $ 295,000 | $ 245,000 |
| Sheboygan, WI | 1 | $ 45,000 | $ 45,000 | $ 35,000 |
| Springfield, IL | 1 | $ 65,000 | $ 65,000 | $ 107,000 |
| Springfield, MA | 1 | $ 155,000 | $ 155,000 | $ 297,000 |
| Springfield, MO | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Topeka, KS | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Tyler, TX | 1 | $ 845,000 | $ 845,000 | $ 500,000 |
| Wausau, WI | 1 | $ 15,000 | $ 15,000 | $ 19,000 |
| Yuma, AZ | 1 | $ 185,000 | $ 185,000 | $ 45,000 |
Mortgage Loan Application Detail Totals for First Ciitizens Bank and Trust in 2022
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 | 7,902 | $4,800,890,000 | $607,000 | $55,005,000 | $241,000 | $7,084,000 |
| Refinancing | 6,740 | $1,949,670,000 | $289,000 | $17,005,000 | $177,000 | $3,665,000 |
| Other Purpose | 6,182 | $1,026,730,000 | $166,000 | $5,795,000 | $202,000 | $9,441,000 |
| Home Improvement | 5,831 | $795,585,000 | $136,000 | $3,005,000 | $170,000 | $5,231,000 |
| Cash-out Refinancing | 1,219 | $708,555,000 | $581,000 | $50,005,000 | $193,000 | $3,014,000 |
| 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 | 16,971 | $5,220,645,000 | $307,000 | $9,905,000 | $196,000 | $9,441,000 |
| Not Provided | 6,588 | $1,942,360,000 | $294,000 | $6,305,000 | $225,000 | $5,231,000 |
| Black or African American | 1,321 | $303,665,000 | $229,000 | $2,405,000 | $121,000 | $1,800,000 |
| Asian | 996 | $552,210,000 | $554,000 | $3,185,000 | $241,000 | $2,364,000 |
| Hispanic | 883 | $321,855,000 | $364,000 | $3,005,000 | $155,000 | $2,578,000 |
| Not applicable | 769 | $797,915,000 | $1,037,000 | $55,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 95 | $23,135,000 | $243,000 | $1,065,000 | $150,000 | $613,000 |
| Native Hawaiian or Other Pacific Islander | 32 | $8,650,000 | $270,000 | $775,000 | $169,000 | $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) | 27,543 | $9,191,295,000 | $333,000 | $55,005,000 | $201,000 | $9,441,000 |
| FHA-insured (Federal Housing Administration) | 253 | $70,035,000 | $276,000 | $975,000 | $74,000 | $428,000 |
| VA-guaranteed (Veterans Administration) | 51 | $14,805,000 | $290,000 | $635,000 | $96,000 | $246,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $5,295,000 | $196,000 | $325,000 | $65,000 | $93,000 |
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 | 19,096 | $6,467,570,000 | $338,000 | $55,005,000 | $216,000 | $9,441,000 |
| Application Denied By Financial Institution | 5,193 | $1,375,485,000 | $264,000 | $5,795,000 | $134,000 | $4,559,000 |
| File Closed For Incompleteness | 1,319 | $504,175,000 | $382,000 | $3,505,000 | $190,000 | $3,073,000 |
| Application Withdrawn By Applicant | 1,256 | $705,690,000 | $561,000 | $12,505,000 | $242,000 | $2,846,000 |
| Application Approved But Not Accepted | 994 | $220,890,000 | $222,000 | $4,005,000 | $205,000 | $2,364,000 |
| Loan Purchased By The Institution | 16 | $7,620,000 | $476,000 | $975,000 | $55,000 | $255,000 |
| 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 | 22,681 | $7,905,945,000 | $348,000 | $55,005,000 | $215,000 | $9,441,000 |
| Debt-To-Income Ratio | 2,297 | $749,505,000 | $326,000 | $5,005,000 | $98,000 | $2,106,000 |
| Credit History | 1,565 | $224,975,000 | $143,000 | $5,005,000 | $123,000 | $2,037,000 |
| Collateral | 714 | $176,430,000 | $247,000 | $3,005,000 | $189,000 | $4,141,000 |
| Other | 318 | $108,830,000 | $342,000 | $5,795,000 | $206,000 | $4,559,000 |
| Unverifiable Information | 209 | $63,015,000 | $301,000 | $4,745,000 | $250,000 | $2,416,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 65 | $27,275,000 | $419,000 | $3,005,000 | $188,000 | $1,549,000 |
| Credit Application Incomplete | 24 | $24,140,000 | $1,005,000 | $4,725,000 | $434,000 | $1,984,000 |
| Employment History | 1 | $1,315,000 | $1,315,000 | $1,315,000 | $363,000 | $363,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Ciitizens Bank and Trust's 2022 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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