First Ciitizens Bank and Trust Mortgage Lending & HMDA Data, 2024
In 2024, First Ciitizens Bank and Trust of Raleigh, NC reported 23,256 mortgage applications totaling $8.9 billion, down 1% from 2023. The average application was for $380,937, and applicants reported an average income of $242,335. 65% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Charlotte-Concord-Gastonia, NC-SC (2,415), Raleigh, NC (2,223) and Charleston-North Charleston, SC (1,271) (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 | 23,256 |
| Total Mortgage Loan Application Amount | $8,859,090,000 |
| Average Mortgage Loan Application Amount | $380,937 |
| Highest Mortgage Loan Application Amount | $74,005,000 |
| Average Applicant Income | $242,335 |
| Highest Applicant Income | $9,758,000 |
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records First Ciitizens Bank and Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,601 | $ 1,164,345,000 | $ 323,339 | $ 211,635 |
| Charlotte-Concord-Gastonia, NC-SC | 2,415 | $ 661,355,000 | $ 273,853 | $ 235,016 |
| Raleigh, NC | 2,223 | $ 654,245,000 | $ 294,307 | $ 239,000 |
| Charleston-North Charleston, SC | 1,271 | $ 496,985,000 | $ 391,018 | $ 261,000 |
| Columbia, SC | 1,202 | $ 264,110,000 | $ 219,725 | $ 185,000 |
| Wilmington, NC | 1,068 | $ 311,050,000 | $ 291,245 | $ 227,000 |
| Greenville-Anderson-Mauldin, SC | 816 | $ 202,890,000 | $ 248,639 | $ 186,000 |
| Asheville, NC | 704 | $ 211,320,000 | $ 300,170 | $ 178,000 |
| Durham-Chapel Hill, NC | 690 | $ 214,820,000 | $ 311,333 | $ 258,000 |
| Los Angeles-Long Beach-Glendale, CA | 604 | $ 558,600,000 | $ 924,834 | $ 327,000 |
| Greensboro-High Point, NC | 572 | $ 122,800,000 | $ 214,685 | $ 179,000 |
| Hickory-Lenoir-Morganton, NC | 551 | $ 107,805,000 | $ 195,653 | $ 150,000 |
| Winston-Salem, NC | 455 | $ 82,635,000 | $ 181,615 | $ 150,000 |
| Spartanburg, SC | 366 | $ 67,560,000 | $ 184,590 | $ 133,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 329 | $ 76,415,000 | $ 232,264 | $ 188,000 |
| Augusta-Richmond County, GA-SC | 297 | $ 64,335,000 | $ 216,616 | $ 178,643 |
| Fayetteville, NC | 296 | $ 50,440,000 | $ 170,405 | $ 149,000 |
| Riverside-San Bernardino-Ontario, CA | 295 | $ 165,495,000 | $ 561,000 | $ 190,000 |
| Atlanta-Sandy Springs-Roswell, GA | 255 | $ 145,815,000 | $ 571,823 | $ 293,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 252 | $ 96,920,000 | $ 384,603 | $ 340,000 |
| Florence, SC | 212 | $ 37,490,000 | $ 176,839 | $ 152,000 |
| San Francisco-Redwood City-South San Francisco, CA | 206 | $ 295,700,000 | $ 1,435,436 | $ 479,000 |
| Roanoke, VA | 200 | $ 46,110,000 | $ 230,550 | $ 182,000 |
| Richmond, VA | 186 | $ 47,360,000 | $ 254,623 | $ 262,000 |
| Jacksonville, NC | 182 | $ 41,800,000 | $ 229,670 | $ 189,000 |
| Greenville, NC | 176 | $ 51,880,000 | $ 294,772 | $ 223,000 |
| Pinehurst-Southern Pines, NC | 159 | $ 61,845,000 | $ 388,962 | $ 255,000 |
| Anaheim-Santa Ana-Irvine, CA | 155 | $ 199,185,000 | $ 1,285,064 | $ 463,000 |
| Lynchburg, VA | 119 | $ 26,425,000 | $ 222,058 | $ 203,000 |
| San Diego-Carlsbad, CA | 116 | $ 123,660,000 | $ 1,066,034 | $ 406,000 |
| Oakland-Hayward-Berkeley, CA | 99 | $ 172,905,000 | $ 1,746,515 | $ 407,000 |
| Milwaukee-Waukesha-West Allis, WI | 96 | $ 20,010,000 | $ 208,437 | $ 170,000 |
| Marietta, GA | 92 | $ 30,760,000 | $ 334,347 | $ 260,000 |
| Charlottesville, VA | 91 | $ 24,775,000 | $ 272,252 | $ 236,000 |
| Boston, MA | 90 | $ 77,880,000 | $ 865,333 | $ 441,000 |
| Arlington-Alexandria-Reston, VA-WV | 87 | $ 29,325,000 | $ 337,068 | $ 251,356 |
| New York-Jersey City-White Plains, NY-NJ | 84 | $ 232,760,000 | $ 2,770,952 | $ 1,102,142 |
| Phoenix-Mesa-Scottsdale, AZ | 81 | $ 63,545,000 | $ 784,506 | $ 351,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 81 | $ 82,095,000 | $ 1,013,518 | $ 363,000 |
| Savannah, GA | 80 | $ 24,790,000 | $ 309,875 | $ 231,000 |
| Miami-Miami Beach-Kendall, FL | 78 | $ 60,210,000 | $ 771,923 | $ 485,000 |
| Sumter, SC | 75 | $ 10,985,000 | $ 146,466 | $ 134,000 |
| Denver-Aurora-Lakewood, CO | 74 | $ 42,700,000 | $ 577,027 | $ 312,000 |
| Athens-Clarke County, GA | 69 | $ 10,905,000 | $ 158,043 | $ 126,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 66 | $ 35,060,000 | $ 531,212 | $ 361,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 65 | $ 53,845,000 | $ 828,384 | $ 540,000 |
| Cambridge-Newton-Framingham, MA | 64 | $ 53,240,000 | $ 831,875 | $ 439,000 |
| Goldsboro, NC | 62 | $ 10,730,000 | $ 173,064 | $ 144,000 |
| Rocky Mount, NC | 57 | $ 12,825,000 | $ 225,000 | $ 182,000 |
| Burlington, NC | 54 | $ 10,010,000 | $ 185,370 | $ 125,000 |
| Tampa, FL | 54 | $ 52,680,000 | $ 975,555 | $ 520,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 52 | $ 38,110,000 | $ 732,884 | $ 369,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 52 | $ 71,750,000 | $ 1,379,807 | $ 338,000 |
| Jacksonville, FL | 50 | $ 45,770,000 | $ 915,400 | $ 264,000 |
| Seattle-Bellevue-Everett, WA | 50 | $ 54,850,000 | $ 1,097,000 | $ 456,000 |
| Las Vegas-Henderson-Paradise, NV | 48 | $ 30,200,000 | $ 629,166 | $ 314,000 |
| Knoxville, TN | 47 | $ 18,645,000 | $ 396,702 | $ 267,000 |
| Orlando-Kissimmee-Sanford, FL | 47 | $ 16,545,000 | $ 352,021 | $ 246,000 |
| Staunton-Waynesboro, VA | 47 | $ 8,695,000 | $ 185,000 | $ 115,000 |
| Dallas-Plano-Irving, TX | 45 | $ 24,055,000 | $ 534,555 | $ 278,000 |
| Blacksburg-Christiansburg-Radford, VA | 44 | $ 9,350,000 | $ 212,500 | $ 196,000 |
| Houston-The Woodlands-Sugar Land, TX | 44 | $ 18,220,000 | $ 414,090 | $ 387,000 |
| Oklahoma City, OK | 41 | $ 15,855,000 | $ 386,707 | $ 356,000 |
| Baltimore-Columbia-Towson, MD | 36 | $ 19,160,000 | $ 532,222 | $ 327,000 |
| Naples-Immokalee-Marco Island, FL | 36 | $ 49,060,000 | $ 1,362,777 | $ 808,000 |
| Austin-Round Rock, TX | 35 | $ 26,195,000 | $ 748,428 | $ 595,000 |
| Harrisonburg, VA | 35 | $ 8,765,000 | $ 250,428 | $ 188,000 |
| Albuquerque, NM | 33 | $ 12,705,000 | $ 385,000 | $ 275,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 33 | $ 13,635,000 | $ 413,181 | $ 302,000 |
| Omaha-Council Bluffs, NE-IA | 32 | $ 5,070,000 | $ 158,437 | $ 141,000 |
| Washington, DC-MD | 32 | $ 12,720,000 | $ 397,500 | $ 251,187 |
| St. Petersburg-Clearwater-Largo, FL | 30 | $ 12,870,000 | $ 429,000 | $ 350,000 |
| Tucson, AZ | 28 | $ 8,320,000 | $ 297,142 | $ 278,000 |
| Chattanooga, TN-GA | 27 | $ 7,395,000 | $ 273,888 | $ 301,407 |
| Oxnard-Thousand Oaks-Ventura, CA | 25 | $ 12,315,000 | $ 492,600 | $ 405,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 25 | $ 9,575,000 | $ 383,000 | $ 210,640 |
| Kansas City, MO-KS | 24 | $ 9,710,000 | $ 404,583 | $ 418,750 |
| North Port-Sarasota-Bradenton, FL | 23 | $ 11,155,000 | $ 485,000 | $ 396,000 |
| Port St. Lucie, FL | 23 | $ 6,775,000 | $ 294,565 | $ 242,000 |
| Chicago-Naperville, IL | 22 | $ 14,490,000 | $ 658,636 | $ 289,000 |
| Everett, WA | 22 | $ 12,340,000 | $ 560,909 | $ 265,000 |
| San Rafael, CA | 22 | $ 36,070,000 | $ 1,639,545 | $ 711,000 |
| Cape Coral-Fort Myers, FL | 20 | $ 9,150,000 | $ 457,500 | $ 301,000 |
| Tacoma-Lakewood, WA | 20 | $ 9,190,000 | $ 459,500 | $ 259,000 |
| Washington-Baltimore-Arlington, DC | 18 | $ 7,470,000 | $ 415,000 | $ 387,000 |
| Nassau County-Suffolk County, NY | 17 | $ 33,025,000 | $ 1,942,647 | $ 1,396,000 |
| Reno, NV | 16 | $ 34,030,000 | $ 2,126,875 | $ 365,000 |
| Santa Fe, NM | 15 | $ 7,255,000 | $ 483,666 | $ 347,000 |
| Johnson City, TN | 14 | $ 3,550,000 | $ 253,571 | $ 188,000 |
| Santa Rosa, CA | 14 | $ 56,710,000 | $ 4,050,714 | $ 563,000 |
| Bakersfield, CA | 13 | $ 3,365,000 | $ 258,846 | $ 262,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 13 | $ 8,825,000 | $ 678,846 | $ 527,000 |
| Stockton-Lodi, CA | 13 | $ 7,265,000 | $ 558,846 | $ 260,000 |
| Gainesville, GA | 11 | $ 2,365,000 | $ 215,000 | $ 115,000 |
| Lakewood-New Brunswick, NJ | 11 | $ 9,905,000 | $ 900,454 | $ 467,000 |
| Fort Worth-Arlington, TX | 10 | $ 8,630,000 | $ 863,000 | $ 575,000 |
| Winchester, VA-WV | 10 | $ 2,040,000 | $ 204,000 | $ 269,000 |
| Sebastian-Vero Beach, FL | 9 | $ 8,855,000 | $ 983,888 | $ 755,000 |
| Barnstable Town, MA | 8 | $ 12,710,000 | $ 1,588,750 | $ 892,000 |
| Bridgeport-Stamford-Norwalk, CT | 8 | $ 15,160,000 | $ 1,895,000 | $ 694,000 |
| Kingsport-Bristol-Bristol, TN-VA | 8 | $ 2,000,000 | $ 250,000 | $ 160,000 |
| Philadelphia, PA | 8 | $ 4,560,000 | $ 570,000 | $ 276,000 |
| Punta Gorda, FL | 8 | $ 2,770,000 | $ 346,250 | $ 344,000 |
| San Antonio-New Braunfels, TX | 8 | $ 8,320,000 | $ 1,040,000 | $ 289,000 |
| Tulsa, OK | 8 | $ 3,470,000 | $ 433,750 | $ 322,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 8,475,000 | $ 1,210,714 | $ 309,000 |
| Newark, NJ-PA | 7 | $ 4,225,000 | $ 603,571 | $ 417,000 |
| Columbus, OH | 6 | $ 2,050,000 | $ 341,666 | $ 208,000 |
| Madison, WI | 6 | $ 3,160,000 | $ 526,666 | $ 285,000 |
| Olympia-Tumwater, WA | 6 | $ 2,380,000 | $ 396,666 | $ 184,000 |
| Provo-Orem, UT | 6 | $ 6,370,000 | $ 1,061,666 | $ 284,000 |
| Racine, WI | 6 | $ 1,680,000 | $ 280,000 | $ 56,000 |
| Salt Lake City, UT | 6 | $ 2,830,000 | $ 471,666 | $ 198,000 |
| Lakeland-Winter Haven, FL | 5 | $ 3,905,000 | $ 781,000 | $ 63,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 2,815,000 | $ 563,000 | $ 348,000 |
| Montgomery County-Bucks County-Chester County, PA | 5 | $ 3,035,000 | $ 607,000 | $ 898,000 |
| Napa, CA | 5 | $ 5,785,000 | $ 1,157,000 | $ 825,000 |
| Providence-Warwick, RI-MA | 5 | $ 4,855,000 | $ 971,000 | $ 299,800 |
| Salinas, CA | 5 | $ 12,255,000 | $ 2,451,000 | $ 753,000 |
| Spokane-Spokane Valley, WA | 5 | $ 3,985,000 | $ 797,000 | $ 447,000 |
| Vallejo-Fairfield, CA | 5 | $ 2,165,000 | $ 433,000 | $ 183,000 |
| Albany-Schenectady-Troy, NY | 4 | $ 880,000 | $ 220,000 | $ 53,000 |
| Bellingham, WA | 4 | $ 3,710,000 | $ 927,500 | $ 148,000 |
| Birmingham-Hoover, AL | 4 | $ 2,480,000 | $ 620,000 | $ 525,000 |
| Boulder, CO | 4 | $ 3,520,000 | $ 880,000 | $ 443,000 |
| Daphne-Fairhope-Foley, AL | 4 | $ 2,150,000 | $ 537,500 | $ 301,000 |
| Fort Collins, CO | 4 | $ 1,660,000 | $ 415,000 | $ 211,000 |
| Fresno, CA | 4 | $ 4,860,000 | $ 1,215,000 | $ 238,000 |
| Gainesville, FL | 4 | $ 1,120,000 | $ 280,000 | $ 126,000 |
| Greeley, CO | 4 | $ 1,480,000 | $ 370,000 | $ 158,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 2,470,000 | $ 617,500 | $ 326,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 4 | $ 1,120,000 | $ 280,000 | $ 163,000 |
| St. Louis, MO-IL | 4 | $ 3,480,000 | $ 870,000 | $ 418,000 |
| Appleton, WI | 3 | $ 2,155,000 | $ 718,333 | $ 392,000 |
| Atlantic City-Hammonton, NJ | 3 | $ 1,995,000 | $ 665,000 | $ 403,000 |
| Bremerton-Silverdale, WA | 3 | $ 875,000 | $ 291,666 | $ 143,000 |
| Cincinnati, OH-KY-IN | 3 | $ 1,075,000 | $ 358,333 | $ 192,000 |
| Cleveland, OH | 3 | $ 725,000 | $ 241,666 | $ 236,000 |
| Colorado Springs, CO | 3 | $ 1,205,000 | $ 401,666 | $ 177,000 |
| Flagstaff, AZ | 3 | $ 3,405,000 | $ 1,135,000 | $ 903,000 |
| Lincoln, NE | 3 | $ 955,000 | $ 318,333 | $ 101,000 |
| Memphis, TN-MS-AR | 3 | $ 1,115,000 | $ 371,666 | $ 324,000 |
| Modesto, CA | 3 | $ 675,000 | $ 225,000 | $ 217,000 |
| Ocala, FL | 3 | $ 1,315,000 | $ 438,333 | $ 371,000 |
| Ogden-Clearfield, UT | 3 | $ 3,855,000 | $ 1,285,000 | $ 315,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 575,000 | $ 191,666 | $ 544,000 |
| Prescott Valley-Prescott, AZ | 3 | $ 1,615,000 | $ 538,333 | $ 442,000 |
| Salem, OR | 3 | $ 1,005,000 | $ 335,000 | $ 275,000 |
| Santa Maria-Santa Barbara, CA | 3 | $ 9,075,000 | $ 3,025,000 | $ 1,096,000 |
| St. George, UT | 3 | $ 2,605,000 | $ 868,333 | $ 314,000 |
| Urban Honolulu, HI | 3 | $ 2,035,000 | $ 678,333 | $ 453,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 1,015,000 | $ 338,333 | $ 527,000 |
| Albany, GA | 2 | $ 1,050,000 | $ 525,000 | $ 248,000 |
| Bend-Redmond, OR | 2 | $ 720,000 | $ 360,000 | $ 224,000 |
| Brunswick, GA | 2 | $ 900,000 | $ 450,000 | $ 313,000 |
| Cleveland, TN | 2 | $ 110,000 | $ 55,000 | $ 51,000 |
| Columbus, GA-AL | 2 | $ 460,000 | $ 230,000 | $ 115,500 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 100,000 | $ 50,000 | $ 145,000 |
| Erie, PA | 2 | $ 340,000 | $ 170,000 | $ 142,000 |
| Kenosha, WI | 2 | $ 390,000 | $ 195,000 | $ 143,000 |
| Killeen-Temple, TX | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 2 | $ 1,360,000 | $ 680,000 | $ 495,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 1,020,000 | $ 510,000 | $ 750,000 |
| Macon-Bibb County, GA | 2 | $ 690,000 | $ 345,000 | $ 231,000 |
| Manchester-Nashua, NH | 2 | $ 1,070,000 | $ 535,000 | $ 321,000 |
| Pittsburgh, PA | 2 | $ 2,090,000 | $ 1,045,000 | $ 370,000 |
| Springfield, IL | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Springfield, MO | 2 | $ 480,000 | $ 240,000 | $ 571,000 |
| Tallahassee, FL | 2 | $ 800,000 | $ 400,000 | $ 476,000 |
| Waco, TX | 2 | $ 990,000 | $ 495,000 | $ 1,764,000 |
| Wildwood-The Villages, FL | 2 | $ 760,000 | $ 380,000 | $ 748,000 |
| Worcester, MA-CT | 2 | $ 1,170,000 | $ 585,000 | $ 250,000 |
| Yuba City, CA | 2 | $ 980,000 | $ 490,000 | $ 1,351,000 |
| Yuma, AZ | 2 | $ 210,000 | $ 105,000 | $ 116,000 |
| Abilene, TX | 1 | $ 255,000 | $ 255,000 | $ 149,000 |
| Albany, OR | 1 | $ 115,000 | $ 115,000 | $ 159,000 |
| Ann Arbor, MI | 1 | $ 765,000 | $ 765,000 | $ 191,000 |
| Auburn-Opelika, AL | 1 | $ 1,175,000 | $ 1,175,000 | $ 691,000 |
| Beckley, WV | 1 | $ 35,000 | $ 35,000 | $ 39,000 |
| Bozeman, MT | 1 | $ 6,005,000 | $ 6,005,000 | $ 5,382,000 |
| Brownsville-Harlingen, TX | 1 | $ 275,000 | $ 275,000 | $ 335,000 |
| Champaign-Urbana, IL | 1 | $ 245,000 | $ 245,000 | $ 148,000 |
| Clarksville, TN-KY | 1 | $ 405,000 | $ 405,000 | $ 76,000 |
| Columbia, MO | 1 | $ 535,000 | $ 535,000 | $ 235,000 |
| Corpus Christi, TX | 1 | $ 7,655,000 | $ 7,655,000 | $ 0 |
| Duluth, MN-WI | 1 | $ 555,000 | $ 555,000 | $ 161,000 |
| El Centro, CA | 1 | $ 3,855,000 | $ 3,855,000 | $ 0 |
| El Paso, TX | 1 | $ 415,000 | $ 415,000 | $ 941,000 |
| Elgin, IL | 1 | $ 725,000 | $ 725,000 | $ 380,000 |
| Eugene, OR | 1 | $ 505,000 | $ 505,000 | $ 344,000 |
| Florence-Muscle Shoals, AL | 1 | $ 215,000 | $ 215,000 | $ 415,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 545,000 | $ 545,000 | $ 256,000 |
| Grants Pass, OR | 1 | $ 475,000 | $ 475,000 | $ 600,000 |
| Hinesville, GA | 1 | $ 35,000 | $ 35,000 | $ 77,000 |
| Homosassa Springs, FL | 1 | $ 245,000 | $ 245,000 | $ 149,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 475,000 | $ 475,000 | $ 500,000 |
| Idaho Falls, ID | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Ithaca, NY | 1 | $ 165,000 | $ 165,000 | $ 134,000 |
| Jackson, TN | 1 | $ 485,000 | $ 485,000 | $ 146,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 975,000 | $ 975,000 | $ 480,000 |
| Lancaster, PA | 1 | $ 425,000 | $ 425,000 | $ 170,000 |
| Las Cruces, NM | 1 | $ 125,000 | $ 125,000 | $ 56,000 |
| Lexington Park, MD | 1 | $ 105,000 | $ 105,000 | $ 214,000 |
| Longview, WA | 1 | $ 635,000 | $ 635,000 | $ 230,000 |
| Lubbock, TX | 1 | $ 255,000 | $ 255,000 | $ 171,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 715,000 | $ 715,000 | $ 497,000 |
| Merced, CA | 1 | $ 1,305,000 | $ 1,305,000 | $ 2,026,000 |
| New Haven-Milford, CT | 1 | $ 455,000 | $ 455,000 | $ 180,000 |
| Norwich-New London, CT | 1 | $ 1,505,000 | $ 1,505,000 | $ 2,357,000 |
| Panama City, FL | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Reading, PA | 1 | $ 225,000 | $ 225,000 | $ 84,000 |
| Rochester, MN | 1 | $ 335,000 | $ 335,000 | $ 178,000 |
| Rockingham County-Strafford County, NH | 1 | $ 1,535,000 | $ 1,535,000 | $ 595,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 1,105,000 | $ 1,105,000 | $ 283,000 |
| Sheboygan, WI | 1 | $ 375,000 | $ 375,000 | $ 125,000 |
| Sherman-Denison, TX | 1 | $ 1,235,000 | $ 1,235,000 | $ 532,000 |
| State College, PA | 1 | $ 165,000 | $ 165,000 | $ 159,000 |
| Toledo, OH | 1 | $ 75,000 | $ 75,000 | $ 153,000 |
| Traverse City, MI | 1 | $ 555,000 | $ 555,000 | $ 404,000 |
| Tyler, TX | 1 | $ 585,000 | $ 585,000 | $ 282,000 |
| Utica-Rome, NY | 1 | $ 55,000 | $ 55,000 | $ 161,000 |
| Valdosta, GA | 1 | $ 315,000 | $ 315,000 | $ 144,000 |
| Victoria, TX | 1 | $ 615,000 | $ 615,000 | $ 471,000 |
| Warner Robins, GA | 1 | $ 55,000 | $ 55,000 | $ 160,000 |
| Waterbury-Shelton, CT | 1 | $ 585,000 | $ 585,000 | $ 255,000 |
| Wausau, WI | 1 | $ 275,000 | $ 275,000 | $ 105,000 |
| Wenatchee, WA | 1 | $ 605,000 | $ 605,000 | $ 671,000 |
| Wheeling, WV-OH | 1 | $ 145,000 | $ 145,000 | $ 223,000 |
| Wichita, KS | 1 | $ 445,000 | $ 445,000 | $ 250,000 |
Mortgage Loan Application Detail Totals for First Ciitizens Bank and Trust in 2024
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 | 6,769 | $4,625,555,000 | $683,000 | $39,665,000 | $314,000 | $9,758,000 |
| Home Improvement | 5,732 | $1,017,490,000 | $177,000 | $40,945,000 | $186,000 | $8,294,000 |
| Other Purpose | 5,285 | $1,131,655,000 | $214,000 | $7,645,000 | $229,000 | $8,339,000 |
| Refinancing | 4,989 | $1,788,545,000 | $358,000 | $54,005,000 | $229,000 | $9,523,000 |
| Cash-out Refinancing | 481 | $295,845,000 | $615,000 | $74,005,000 | $190,000 | $3,619,000 |
| 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 | 16,101 | $5,298,075,000 | $329,000 | $14,005,000 | $240,000 | $8,339,000 |
| Not Provided | 2,434 | $952,960,000 | $391,000 | $13,005,000 | $298,000 | $9,523,000 |
| Black or African American | 1,379 | $292,785,000 | $212,000 | $6,005,000 | $154,000 | $9,758,000 |
| Hispanic | 1,331 | $440,985,000 | $331,000 | $3,725,000 | $179,000 | $3,574,000 |
| Asian | 1,168 | $706,930,000 | $605,000 | $8,385,000 | $307,000 | $3,193,000 |
| Not applicable | 700 | $1,127,350,000 | $1,610,000 | $74,005,000 | $234,000 | $234,000 |
| American Indian or Alaskan Native | 101 | $27,725,000 | $274,000 | $1,525,000 | $208,000 | $2,889,000 |
| Native Hawaiian or Other Pacific Islander | 42 | $12,280,000 | $292,000 | $1,255,000 | $218,000 | $611,000 |
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) | 22,512 | $8,606,770,000 | $382,000 | $74,005,000 | $246,000 | $9,758,000 |
| FHA-insured (Federal Housing Administration) | 606 | $205,570,000 | $339,000 | $1,125,000 | $96,000 | $810,000 |
| VA-guaranteed (Veterans Administration) | 111 | $40,435,000 | $364,000 | $885,000 | $114,000 | $289,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $6,315,000 | $233,000 | $355,000 | $80,000 | $117,000 |
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 | 15,162 | $5,978,900,000 | $394,000 | $74,005,000 | $261,000 | $9,758,000 |
| Application Denied By Financial Institution | 4,874 | $1,284,640,000 | $263,000 | $7,505,000 | $154,000 | $5,863,000 |
| Application Withdrawn By Applicant | 1,278 | $679,330,000 | $531,000 | $16,805,000 | $308,000 | $6,540,000 |
| File Closed For Incompleteness | 912 | $354,870,000 | $389,000 | $5,705,000 | $249,000 | $6,000,000 |
| Application Approved But Not Accepted | 746 | $262,290,000 | $351,000 | $30,005,000 | $249,000 | $4,356,000 |
| Preapproval Approved but not Accepted | 144 | $262,420,000 | $1,822,000 | $9,105,000 | $622,000 | $3,000,000 |
| Loan Purchased By The Institution | 140 | $36,640,000 | $261,000 | $935,000 | $99,000 | $436,000 |
| 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 | 18,382 | $7,574,450,000 | $412,000 | $74,005,000 | $264,000 | $9,758,000 |
| Debt-To-Income Ratio | 2,567 | $761,825,000 | $296,000 | $7,505,000 | $116,000 | $2,451,000 |
| Credit History | 1,236 | $186,630,000 | $150,000 | $6,005,000 | $139,000 | $4,800,000 |
| Collateral | 524 | $161,020,000 | $307,000 | $5,505,000 | $265,000 | $5,863,000 |
| Other | 379 | $124,975,000 | $329,000 | $4,905,000 | $269,000 | $5,647,000 |
| Unverifiable Information | 113 | $27,115,000 | $239,000 | $1,105,000 | $270,000 | $1,982,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 48 | $21,610,000 | $450,000 | $1,355,000 | $182,000 | $847,000 |
| Credit Application Incomplete | 5 | $655,000 | $131,000 | $205,000 | $258,000 | $258,000 |
| Employment History | 2 | $810,000 | $405,000 | $635,000 | $163,000 | $284,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Ciitizens Bank and Trust's 2024 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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