First Ciitizens Bank and Trust Mortgage Lending & HMDA Data, 2023
In 2023, First Ciitizens Bank and Trust of Raleigh, NC reported 23,378 mortgage applications totaling $8.8 billion, down 16% from 2022. The average application was for $377,530, and applicants reported an average income of $230,605. 65% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Charlotte-Concord-Gastonia, NC-SC (2,403), Raleigh, NC (2,141) and Charleston-North Charleston, SC (1,273) (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 | 23,378 |
| Total Mortgage Loan Application Amount | $8,825,900,000 |
| Average Mortgage Loan Application Amount | $377,530 |
| Highest Mortgage Loan Application Amount | $47,975,000 |
| Average Applicant Income | $230,605 |
| Highest Applicant Income | $9,422,000 |
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records First Ciitizens Bank and Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,526 | $ 1,375,000,000 | $ 389,960 | $ 228,927 |
| Charlotte-Concord-Gastonia, NC-SC | 2,403 | $ 576,505,000 | $ 239,910 | $ 206,926 |
| Raleigh, NC | 2,141 | $ 553,395,000 | $ 258,475 | $ 216,000 |
| Charleston-North Charleston, SC | 1,273 | $ 454,565,000 | $ 357,081 | $ 248,000 |
| Columbia, SC | 1,047 | $ 216,685,000 | $ 206,957 | $ 162,000 |
| Greenville-Anderson-Mauldin, SC | 808 | $ 194,580,000 | $ 240,816 | $ 186,000 |
| Asheville, NC | 745 | $ 184,765,000 | $ 248,006 | $ 189,000 |
| Los Angeles-Long Beach-Glendale, CA | 732 | $ 707,140,000 | $ 966,038 | $ 244,000 |
| Wilmington, NC | 674 | $ 202,750,000 | $ 300,816 | $ 250,000 |
| Durham-Chapel Hill, NC | 665 | $ 196,225,000 | $ 295,075 | $ 228,000 |
| Hickory-Lenoir-Morganton, NC | 613 | $ 102,025,000 | $ 166,435 | $ 136,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 595 | $ 148,395,000 | $ 249,403 | $ 182,905 |
| Fayetteville, NC | 502 | $ 63,840,000 | $ 127,171 | $ 127,000 |
| Greensboro-High Point, NC | 472 | $ 95,910,000 | $ 203,199 | $ 193,000 |
| Spartanburg, SC | 433 | $ 69,605,000 | $ 160,750 | $ 118,000 |
| Winston-Salem, NC | 408 | $ 77,070,000 | $ 188,897 | $ 150,000 |
| Atlanta-Sandy Springs-Roswell, GA | 316 | $ 109,680,000 | $ 347,088 | $ 302,000 |
| New Bern, NC | 287 | $ 61,375,000 | $ 213,850 | $ 183,000 |
| Riverside-San Bernardino-Ontario, CA | 284 | $ 184,460,000 | $ 649,507 | $ 191,000 |
| San Francisco-Redwood City-South San Francisco, CA | 262 | $ 296,880,000 | $ 1,133,129 | $ 453,000 |
| Augusta-Richmond County, GA-SC | 244 | $ 45,190,000 | $ 185,204 | $ 141,155 |
| Roanoke, VA | 224 | $ 44,930,000 | $ 200,580 | $ 162,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 203 | $ 62,475,000 | $ 307,758 | $ 248,000 |
| Anaheim-Santa Ana-Irvine, CA | 202 | $ 266,660,000 | $ 1,320,099 | $ 459,000 |
| Richmond, VA | 195 | $ 45,905,000 | $ 235,410 | $ 214,000 |
| Florence, SC | 177 | $ 26,835,000 | $ 151,610 | $ 187,000 |
| Greenville, NC | 176 | $ 34,120,000 | $ 193,863 | $ 177,000 |
| San Diego-Carlsbad, CA | 164 | $ 165,090,000 | $ 1,006,646 | $ 418,000 |
| Jacksonville, NC | 154 | $ 29,180,000 | $ 189,480 | $ 188,000 |
| Lynchburg, VA | 130 | $ 18,520,000 | $ 142,461 | $ 148,000 |
| Phoenix-Mesa-Scottsdale, AZ | 125 | $ 88,115,000 | $ 704,920 | $ 418,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 124 | $ 141,560,000 | $ 1,141,612 | $ 454,000 |
| Boston, MA | 111 | $ 81,025,000 | $ 729,954 | $ 386,000 |
| Oakland-Hayward-Berkeley, CA | 111 | $ 102,265,000 | $ 921,306 | $ 392,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 107 | $ 44,855,000 | $ 419,205 | $ 326,345 |
| Milwaukee-Waukesha-West Allis, WI | 103 | $ 25,365,000 | $ 246,262 | $ 179,000 |
| Miami-Miami Beach-Kendall, FL | 101 | $ 120,655,000 | $ 1,194,603 | $ 522,000 |
| Cambridge-Newton-Framingham, MA | 98 | $ 106,570,000 | $ 1,087,448 | $ 294,000 |
| Sumter, SC | 96 | $ 19,310,000 | $ 201,145 | $ 154,000 |
| Jacksonville, FL | 92 | $ 47,590,000 | $ 517,282 | $ 359,000 |
| Savannah, GA | 92 | $ 20,010,000 | $ 217,500 | $ 186,000 |
| Charlottesville, VA | 87 | $ 21,435,000 | $ 246,379 | $ 225,000 |
| Denver-Aurora-Lakewood, CO | 80 | $ 53,090,000 | $ 663,625 | $ 417,000 |
| Austin-Round Rock, TX | 75 | $ 86,205,000 | $ 1,149,400 | $ 532,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 75 | $ 67,355,000 | $ 898,066 | $ 343,000 |
| Seattle-Bellevue-Everett, WA | 74 | $ 78,600,000 | $ 1,062,162 | $ 426,000 |
| Tampa-St. Petersburg-Clearwater, FL | 69 | $ 25,995,000 | $ 376,739 | $ 265,000 |
| Goldsboro, NC | 65 | $ 10,045,000 | $ 154,538 | $ 187,000 |
| Blacksburg-Christiansburg-Radford, VA | 63 | $ 11,685,000 | $ 185,476 | $ 137,000 |
| New York-Jersey City-White Plains, NY-NJ | 62 | $ 117,300,000 | $ 1,891,935 | $ 766,370 |
| Athens-Clarke County, GA | 59 | $ 6,995,000 | $ 118,559 | $ 162,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 55 | $ 38,015,000 | $ 691,181 | $ 398,000 |
| Burlington, NC | 51 | $ 8,985,000 | $ 176,176 | $ 118,000 |
| Baltimore-Columbia-Towson, MD | 50 | $ 22,330,000 | $ 446,600 | $ 294,000 |
| Dallas-Plano-Irving, TX | 50 | $ 41,060,000 | $ 821,200 | $ 574,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 48 | $ 27,340,000 | $ 569,583 | $ 378,000 |
| Rocky Mount, NC | 47 | $ 9,915,000 | $ 210,957 | $ 120,000 |
| Orlando-Kissimmee-Sanford, FL | 46 | $ 19,680,000 | $ 427,826 | $ 386,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 43 | $ 23,025,000 | $ 535,465 | $ 678,000 |
| Houston-The Woodlands-Sugar Land, TX | 42 | $ 26,780,000 | $ 637,619 | $ 406,000 |
| Staunton-Waynesboro, VA | 41 | $ 7,025,000 | $ 171,341 | $ 96,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 40 | $ 42,550,000 | $ 1,063,750 | $ 357,400 |
| Knoxville, TN | 38 | $ 17,650,000 | $ 464,473 | $ 358,000 |
| Harrisonburg, VA | 31 | $ 8,325,000 | $ 268,548 | $ 199,000 |
| Port St. Lucie, FL | 30 | $ 10,380,000 | $ 346,000 | $ 299,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 30 | $ 14,890,000 | $ 496,333 | $ 348,800 |
| Las Vegas-Henderson-Paradise, NV | 29 | $ 14,605,000 | $ 503,620 | $ 219,000 |
| Albuquerque, NM | 28 | $ 7,900,000 | $ 282,142 | $ 281,000 |
| Johnson City, TN | 22 | $ 2,740,000 | $ 124,545 | $ 178,000 |
| San Rafael, CA | 22 | $ 34,730,000 | $ 1,578,636 | $ 859,000 |
| Washington-Baltimore-Arlington, DC | 20 | $ 15,920,000 | $ 796,000 | $ 307,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 19 | $ 14,545,000 | $ 765,526 | $ 296,000 |
| Cape Coral-Fort Myers, FL | 17 | $ 8,535,000 | $ 502,058 | $ 198,000 |
| Chicago-Naperville, IL | 17 | $ 10,685,000 | $ 628,529 | $ 375,000 |
| Oklahoma City, OK | 17 | $ 3,465,000 | $ 203,823 | $ 243,000 |
| Omaha-Council Bluffs, NE-IA | 17 | $ 12,755,000 | $ 750,294 | $ 258,000 |
| Santa Fe, NM | 17 | $ 5,715,000 | $ 336,176 | $ 379,000 |
| Tacoma-Lakewood, WA | 17 | $ 7,215,000 | $ 424,411 | $ 220,000 |
| Bridgeport-Stamford-Norwalk, CT | 16 | $ 25,940,000 | $ 1,621,250 | $ 705,000 |
| Kansas City, MO-KS | 16 | $ 4,040,000 | $ 252,500 | $ 184,000 |
| Naples-Immokalee-Marco Island, FL | 16 | $ 7,550,000 | $ 471,875 | $ 247,000 |
| North Port-Sarasota-Bradenton, FL | 16 | $ 13,890,000 | $ 868,125 | $ 494,000 |
| Chattanooga, TN-GA | 14 | $ 5,520,000 | $ 394,285 | $ 362,285 |
| Kingsport-Bristol-Bristol, TN-VA | 13 | $ 2,955,000 | $ 227,307 | $ 248,153 |
| Nassau County-Suffolk County, NY | 13 | $ 19,405,000 | $ 1,492,692 | $ 901,000 |
| Reno, NV | 13 | $ 12,895,000 | $ 991,923 | $ 476,000 |
| Santa Rosa, CA | 13 | $ 24,865,000 | $ 1,912,692 | $ 921,000 |
| Gainesville, GA | 12 | $ 2,810,000 | $ 234,166 | $ 170,000 |
| San Antonio-New Braunfels, TX | 12 | $ 33,660,000 | $ 2,805,000 | $ 395,000 |
| Winchester, VA-WV | 12 | $ 1,800,000 | $ 150,000 | $ 151,750 |
| Boulder, CO | 11 | $ 12,965,000 | $ 1,178,636 | $ 479,000 |
| Fort Worth-Arlington, TX | 11 | $ 8,325,000 | $ 756,818 | $ 683,000 |
| Lake County-Kenosha County, IL-WI | 10 | $ 3,440,000 | $ 344,000 | $ 243,000 |
| Lakeland-Winter Haven, FL | 10 | $ 50,810,000 | $ 5,081,000 | $ 88,000 |
| Stockton-Lodi, CA | 10 | $ 5,380,000 | $ 538,000 | $ 142,000 |
| Bakersfield, CA | 9 | $ 2,825,000 | $ 313,888 | $ 137,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 9 | $ 4,645,000 | $ 516,111 | $ 397,000 |
| Santa Cruz-Watsonville, CA | 9 | $ 21,645,000 | $ 2,405,000 | $ 639,000 |
| Sebastian-Vero Beach, FL | 9 | $ 8,695,000 | $ 966,111 | $ 743,000 |
| Bend-Redmond, OR | 8 | $ 10,320,000 | $ 1,290,000 | $ 425,000 |
| Colorado Springs, CO | 8 | $ 4,900,000 | $ 612,500 | $ 291,000 |
| New York-Newark, NY | 8 | $ 8,440,000 | $ 1,055,000 | $ 424,250 |
| Newark, NJ-PA | 8 | $ 8,760,000 | $ 1,095,000 | $ 475,125 |
| Salt Lake City, UT | 8 | $ 7,260,000 | $ 907,500 | $ 401,000 |
| Santa Maria-Santa Barbara, CA | 8 | $ 17,460,000 | $ 2,182,500 | $ 1,059,000 |
| Tucson, AZ | 8 | $ 2,920,000 | $ 365,000 | $ 270,000 |
| Vallejo-Fairfield, CA | 8 | $ 5,940,000 | $ 742,500 | $ 95,000 |
| Fort Collins, CO | 7 | $ 3,315,000 | $ 473,571 | $ 574,000 |
| Killeen-Temple, TX | 7 | $ 2,105,000 | $ 300,714 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 7 | $ 3,795,000 | $ 542,142 | $ 237,000 |
| Barnstable Town, MA | 6 | $ 4,260,000 | $ 710,000 | $ 396,000 |
| Brunswick, GA | 6 | $ 1,530,000 | $ 255,000 | $ 171,000 |
| Lake Havasu City-Kingman, AZ | 6 | $ 1,020,000 | $ 170,000 | $ 78,000 |
| Olympia-Tumwater, WA | 6 | $ 1,110,000 | $ 185,000 | $ 203,000 |
| Racine, WI | 6 | $ 2,310,000 | $ 385,000 | $ 148,000 |
| Salinas, CA | 6 | $ 16,280,000 | $ 2,713,333 | $ 481,000 |
| Madison, WI | 5 | $ 1,335,000 | $ 267,000 | $ 858,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 2,385,000 | $ 477,000 | $ 264,400 |
| Morristown, TN | 5 | $ 1,755,000 | $ 351,000 | $ 369,000 |
| Prescott Valley-Prescott, AZ | 5 | $ 2,865,000 | $ 573,000 | $ 381,000 |
| St. Louis, MO-IL | 5 | $ 3,065,000 | $ 613,000 | $ 315,000 |
| El Centro, CA | 4 | $ 1,040,000 | $ 260,000 | $ 623,000 |
| Napa, CA | 4 | $ 6,850,000 | $ 1,712,500 | $ 670,000 |
| Ogden-Clearfield, UT | 4 | $ 3,660,000 | $ 915,000 | $ 423,000 |
| Philadelphia, PA | 4 | $ 2,250,000 | $ 562,500 | $ 195,000 |
| Bremerton-Silverdale, WA | 3 | $ 2,895,000 | $ 965,000 | $ 295,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 4,715,000 | $ 1,571,666 | $ 340,000 |
| Flagstaff, AZ | 3 | $ 1,105,000 | $ 368,333 | $ 139,000 |
| Gainesville, FL | 3 | $ 1,915,000 | $ 638,333 | $ 237,000 |
| Greeley, CO | 3 | $ 5,555,000 | $ 1,851,666 | $ 778,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 255,000 | $ 85,000 | $ 135,333 |
| Huntsville, AL | 3 | $ 925,000 | $ 308,333 | $ 132,000 |
| Lincoln, NE | 3 | $ 895,000 | $ 298,333 | $ 142,000 |
| Memphis, TN-MS-AR | 3 | $ 615,000 | $ 205,000 | $ 153,000 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 1,535,000 | $ 511,666 | $ 293,000 |
| Morgantown, WV | 3 | $ 1,115,000 | $ 371,666 | $ 275,000 |
| Ocala, FL | 3 | $ 1,105,000 | $ 368,333 | $ 107,000 |
| Oshkosh-Neenah, WI | 3 | $ 1,535,000 | $ 511,666 | $ 469,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 2,265,000 | $ 755,000 | $ 217,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 1,485,000 | $ 495,000 | $ 150,000 |
| Pittsburgh, PA | 3 | $ 605,000 | $ 201,666 | $ 170,000 |
| Providence-Warwick, RI-MA | 3 | $ 2,325,000 | $ 775,000 | $ 337,000 |
| Rockford, IL | 3 | $ 225,000 | $ 75,000 | $ 194,000 |
| Sheboygan, WI | 3 | $ 575,000 | $ 191,666 | $ 47,000 |
| Auburn-Opelika, AL | 2 | $ 250,000 | $ 125,000 | $ 134,000 |
| Bellingham, WA | 2 | $ 2,080,000 | $ 1,040,000 | $ 317,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 950,000 | $ 475,000 | $ 0 |
| Camden, NJ | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Cincinnati, OH-KY-IN | 2 | $ 390,000 | $ 195,000 | $ 105,000 |
| College Station-Bryan, TX | 2 | $ 500,000 | $ 250,000 | $ 1,418,000 |
| Columbia, MO | 2 | $ 540,000 | $ 270,000 | $ 53,000 |
| Columbus, OH | 2 | $ 740,000 | $ 370,000 | $ 171,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 1,130,000 | $ 565,000 | $ 217,000 |
| Fond Du Lac, WI | 2 | $ 90,000 | $ 45,000 | $ 85,000 |
| Green Bay, WI | 2 | $ 530,000 | $ 265,000 | $ 211,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 1,020,000 | $ 510,000 | $ 253,000 |
| Kingston, NY | 2 | $ 1,960,000 | $ 980,000 | $ 489,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 640,000 | $ 320,000 | $ 110,000 |
| Mobile, AL | 2 | $ 890,000 | $ 445,000 | $ 237,000 |
| New Orleans-Metairie, LA | 2 | $ 3,430,000 | $ 1,715,000 | $ 595,000 |
| Portland-South Portland, ME | 2 | $ 660,000 | $ 330,000 | $ 289,000 |
| Provo-Orem, UT | 2 | $ 2,000,000 | $ 1,000,000 | $ 220,000 |
| Salisbury, MD-DE | 2 | $ 130,000 | $ 65,000 | $ 207,000 |
| Springfield, MA | 2 | $ 610,000 | $ 305,000 | $ 110,000 |
| St. George, UT | 2 | $ 2,070,000 | $ 1,035,000 | $ 326,000 |
| Toledo, OH | 2 | $ 460,000 | $ 230,000 | $ 274,000 |
| Tulsa, OK | 2 | $ 1,010,000 | $ 505,000 | $ 341,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 1,310,000 | $ 655,000 | $ 424,000 |
| Yakima, WA | 2 | $ 1,880,000 | $ 940,000 | $ 986,000 |
| Ann Arbor, MI | 1 | $ 185,000 | $ 185,000 | $ 193,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 135,000 | $ 135,000 | $ 123,000 |
| Baton Rouge, LA | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 3,705,000 | $ 3,705,000 | $ 0 |
| Beckley, WV | 1 | $ 85,000 | $ 85,000 | $ 47,000 |
| Birmingham-Hoover, AL | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| California-Lexington Park, MD | 1 | $ 1,105,000 | $ 1,105,000 | $ 592,000 |
| Charleston, WV | 1 | $ 515,000 | $ 515,000 | $ 396,000 |
| Chico, CA | 1 | $ 885,000 | $ 885,000 | $ 972,000 |
| Columbus, GA-AL | 1 | $ 605,000 | $ 605,000 | $ 950,000 |
| Corpus Christi, TX | 1 | $ 625,000 | $ 625,000 | $ 351,000 |
| El Paso, TX | 1 | $ 1,005,000 | $ 1,005,000 | $ 240,000 |
| Elgin, IL | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Erie, PA | 1 | $ 75,000 | $ 75,000 | $ 183,000 |
| Farmington, NM | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 2,605,000 | $ 2,605,000 | $ 857,000 |
| Glens Falls, NY | 1 | $ 85,000 | $ 85,000 | $ 95,000 |
| Grand Junction, CO | 1 | $ 1,165,000 | $ 1,165,000 | $ 0 |
| Hinesville, GA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Homosassa Springs, FL | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Joplin, MO | 1 | $ 95,000 | $ 95,000 | $ 38,000 |
| Lancaster, PA | 1 | $ 405,000 | $ 405,000 | $ 946,000 |
| Lansing-East Lansing, MI | 1 | $ 125,000 | $ 125,000 | $ 33,000 |
| Las Cruces, NM | 1 | $ 115,000 | $ 115,000 | $ 30,000 |
| Longview, TX | 1 | $ 305,000 | $ 305,000 | $ 116,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 65,000 | $ 65,000 | $ 44,000 |
| Macon-Bibb County, GA | 1 | $ 95,000 | $ 95,000 | $ 311,000 |
| Merced, CA | 1 | $ 555,000 | $ 555,000 | $ 276,000 |
| Missoula, MT | 1 | $ 195,000 | $ 195,000 | $ 51,000 |
| Modesto, CA | 1 | $ 235,000 | $ 235,000 | $ 64,000 |
| Norwich-New London, CT | 1 | $ 655,000 | $ 655,000 | $ 198,000 |
| Panama City, FL | 1 | $ 105,000 | $ 105,000 | $ 185,000 |
| Redding, CA | 1 | $ 495,000 | $ 495,000 | $ 189,000 |
| Salem, OR | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 405,000 | $ 405,000 | $ 191,000 |
| Sebring, FL | 1 | $ 125,000 | $ 125,000 | $ 133,000 |
| Springfield, MO | 1 | $ 555,000 | $ 555,000 | $ 230,000 |
| State College, PA | 1 | $ 465,000 | $ 465,000 | $ 185,000 |
| Tallahassee, FL | 1 | $ 215,000 | $ 215,000 | $ 107,000 |
| The Villages, FL | 1 | $ 765,000 | $ 765,000 | $ 218,000 |
| Trenton, NJ | 1 | $ 795,000 | $ 795,000 | $ 313,000 |
| Valdosta, GA | 1 | $ 205,000 | $ 205,000 | $ 80,000 |
| Visalia-Porterville, CA | 1 | $ 205,000 | $ 205,000 | $ 52,000 |
| Watertown-Fort Drum, NY | 1 | $ 1,995,000 | $ 1,995,000 | $ 0 |
| Wichita Falls, TX | 1 | $ 805,000 | $ 805,000 | $ 162,000 |
| Yuba City, CA | 1 | $ 475,000 | $ 475,000 | $ 117,000 |
Mortgage Loan Application Detail Totals for First Ciitizens Bank and Trust in 2023
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 | 7,697 | $5,062,985,000 | $657,000 | $47,975,000 | $294,000 | $8,400,000 |
| Other Purpose | 5,305 | $1,179,615,000 | $222,000 | $18,905,000 | $223,000 | $9,231,000 |
| Home Improvement | 5,036 | $704,490,000 | $139,000 | $3,375,000 | $167,000 | $4,200,000 |
| Refinancing | 4,840 | $1,421,190,000 | $293,000 | $32,505,000 | $199,000 | $9,422,000 |
| Cash-out Refinancing | 500 | $457,620,000 | $915,000 | $40,145,000 | $282,000 | $6,720,000 |
| 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 | 14,222 | $4,726,680,000 | $332,000 | $13,805,000 | $227,000 | $9,422,000 |
| Not Provided | 4,611 | $1,590,285,000 | $344,000 | $15,005,000 | $265,000 | $8,400,000 |
| Black or African American | 1,290 | $273,340,000 | $211,000 | $2,735,000 | $130,000 | $3,568,000 |
| Hispanic | 1,099 | $457,505,000 | $416,000 | $40,145,000 | $177,000 | $5,569,000 |
| Asian | 1,000 | $582,960,000 | $582,000 | $3,855,000 | $246,000 | $3,925,000 |
| Not applicable | 868 | $965,500,000 | $1,112,000 | $47,975,000 | $0 | $0 |
| American Indian or Alaskan Native | 108 | $33,300,000 | $308,000 | $1,755,000 | $175,000 | $1,262,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $2,875,000 | $221,000 | $705,000 | $225,000 | $1,108,000 |
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) | 22,893 | $8,654,875,000 | $378,000 | $47,975,000 | $232,000 | $9,422,000 |
| FHA-insured (Federal Housing Administration) | 410 | $148,400,000 | $361,000 | $985,000 | $104,000 | $614,000 |
| VA-guaranteed (Veterans Administration) | 61 | $19,825,000 | $325,000 | $725,000 | $117,000 | $405,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $2,800,000 | $200,000 | $315,000 | $67,000 | $95,000 |
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 | 15,304 | $5,902,870,000 | $385,000 | $47,975,000 | $245,000 | $9,422,000 |
| Application Denied By Financial Institution | 4,806 | $1,148,890,000 | $239,000 | $40,145,000 | $138,000 | $9,023,000 |
| Application Withdrawn By Applicant | 1,353 | $751,365,000 | $555,000 | $15,005,000 | $302,000 | $9,231,000 |
| Application Approved But Not Accepted | 861 | $276,155,000 | $320,000 | $9,755,000 | $227,000 | $4,170,000 |
| File Closed For Incompleteness | 799 | $340,045,000 | $425,000 | $6,005,000 | $265,000 | $6,840,000 |
| Preapproval Approved but not Accepted | 245 | $390,745,000 | $1,594,000 | $9,605,000 | $576,000 | $5,569,000 |
| Preapproval Denied by Financial Institution | 10 | $15,830,000 | $1,583,000 | $2,405,000 | $589,000 | $2,242,000 |
| Loan Purchased By The 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 | 18,562 | $7,661,180,000 | $412,000 | $47,975,000 | $253,000 | $9,422,000 |
| Debt-To-Income Ratio | 2,406 | $697,570,000 | $289,000 | $40,145,000 | $102,000 | $2,280,000 |
| Credit History | 1,342 | $170,760,000 | $127,000 | $4,505,000 | $141,000 | $9,023,000 |
| Collateral | 590 | $145,810,000 | $247,000 | $2,995,000 | $218,000 | $3,925,000 |
| Other | 318 | $94,820,000 | $298,000 | $3,005,000 | $217,000 | $3,630,000 |
| Unverifiable Information | 105 | $26,165,000 | $249,000 | $2,475,000 | $200,000 | $1,469,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 47 | $23,655,000 | $503,000 | $2,005,000 | $233,000 | $1,418,000 |
| Credit Application Incomplete | 5 | $3,665,000 | $733,000 | $2,405,000 | $87,000 | $174,000 |
| Employment History | 3 | $2,275,000 | $758,000 | $1,265,000 | $179,000 | $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 2023 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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