Lenders › First Ciitizens Bank and Trust › Georgia
First Ciitizens Bank and Trust in Georgia
HMDA record for properties in Georgia, calendar year 2024. National record · Georgia overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
First Ciitizens Bank and Trust's 2024 HMDA record for Georgia covers 802 applications, 505 of them originated, worth $194m.
Its denial rate in the state was 26.2%, close to the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 23.5%.
The median rate spread on its Georgia originations was -1.7 percentage points (state median 0.4).
Applications in the state were up 6% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | First Ciitizens Bank and Trust, all states | United States |
|---|---|---|---|---|
| Denial rate | 26.2% | 26.9% | 23.5% | 24.3% |
| Median rate spread, pp | -1.7 | 0.4 | -1.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.6% | 17.5% | 0.7% | 15.6% |
| Average originated loan | $383k | $313k | $394k | $329k |
| Home purchase share | 23.0% | 57.0% | 29.7% | 57.0% |
| FHA-insured share | 2.2% | 18.3% | 2.2% | 13.4% |
| VA-guaranteed share | 0.4% | 11.6% | 0.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 23% (116)Home improvement 26% (132)Refinancing 20% (99)Cash-out refinancing 2% (11)Other purpose 29% (147)
By type
Conventional 97% (492)FHA 2% (11)VA 0% (2)
Denial reasons as coded
Share of 191 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Georgia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Fulton County | 81 | 51 | $79m | 28.0% |
| Gwinnett County | 61 | 42 | $10m | 20.4% |
| Columbia County | 66 | 38 | $9.7m | 35.5% |
| Chatham County | 65 | 38 | $14m | 30.5% |
| Madison County | 46 | 32 | $3.4m | 22.0% |
| Cobb County | 59 | 31 | $8.7m | 34.5% |
| Hart County | 42 | 30 | $3.4m | 25.0% |
| Franklin County | 39 | 29 | $3.2m | 18.9% |
| Stephens County | 35 | 22 | $4.0m | 25.8% |
| DeKalb County | 34 | 22 | $9.2m | 22.6% |
| Richmond County | 43 | 21 | $6.4m | 36.1% |
| Forsyth County | 26 | 20 | $6.8m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First Ciitizens Bank and Trust originate in Georgia in 2024?
505 loans totalling $194m, from 802 applications reported for properties in Georgia.
What is First Ciitizens Bank and Trust's denial rate in Georgia?
26.2% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 23.5% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Georgia counties does First Ciitizens Bank and Trust lend in most?
By originations: Fulton County (51), Gwinnett County (42), Columbia County (38), Chatham County (38), Madison County (32).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Georgia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.