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First Ciitizens Bank and Trust in North Carolina

HMDA record for properties in North Carolina, calendar year 2024. National record · North Carolina overview

LEI L9VVX1KT5TFTKS0MLF66
Reporting agency Consumer Financial Protection Bureau
State North Carolina

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.

In North Carolina, First Ciitizens Bank and Trust reported 11,336 applications and 7,746 originations for 2024, $2.2bn in all.

Its denial rate in the state was 22.5%, close to the North Carolina rate of 24.0% across all lenders and compared with the lender's national rate of 23.5%.

The median rate spread on its North Carolina originations was -1.7 percentage points (state median 0.2).

Applications in the state were about level with 2023.

11,336applications in NC, 202449.3% of the lender's total
7,746loans originated$2.2bn
22.5%denial rateNC all lenders 24.0%
-1.7 ppmedian rate spreadNC 0.2 pp

Compared with the state and the lender's national record

MeasureIn North CarolinaNorth Carolina, all lendersFirst Ciitizens Bank and Trust, all statesUnited States
Denial rate22.5%24.0%23.5%24.3%
Median rate spread, pp-1.70.2-1.60.3
Originations with spread of 1.5 pp or more0.5%11.8%0.7%15.6%
Average originated loan$282k$299k$394k$329k
Home purchase share24.1%56.3%29.7%57.0%
FHA-insured share1.5%11.8%2.2%13.4%
VA-guaranteed share0.6%11.8%0.4%7.9%

Trend by year

ApplicationsOriginations

07,10514,2102022: 14,210 Applications2023: 11,236 Applications2024: 11,336 Applications2022: 10,091 Originations2023: 7,615 Originations2024: 7,746 Originations202220232024
First Ciitizens Bank and Trust in North Carolina: applications and originations, 2022–2024

This lender in stateNorth Carolina, all lenders

0%12.3%24.6%2022: 19.3% This lender in state2023: 22.7% This lender in state2024: 22.5% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in North Carolina

By purpose

Home purchase 24% (1,869)Home improvement 25% (1,974)Refinancing 24% (1,836)Cash-out refinancing 1% (96)Other purpose 25% (1,971)

By type

Conventional 98% (7,575)FHA 2% (120)VA 1% (45)USDA 0% (6)

Denial reasons as coded

Debt-to-income ratio53.4%
Credit history26.2%
Collateral10.9%
Other6.6%
Unverifiable information2.3%
Insufficient cash (downpayment, closing costs)0.5%
Credit application incomplete0.1%
Employment history0%
Mortgage insurance denied0%

Share of 2,363 denials in North Carolina by first denial reason coded (outlined bar: all lenders in the state).

Counties in North Carolina

CountyApplicationsOriginationsAmountDenial rate
Wake County1,7951,289$429m19.5%
Mecklenburg County1,068749$239m21.3%
New Hanover County565406$117m20.8%
Buncombe County415302$124m18.2%
Guilford County456291$67m25.0%
Durham County363257$75m20.1%
Union County339241$69m21.3%
Brunswick County337234$80m21.9%
Johnston County307200$37m24.9%
Forsyth County279193$38m23.8%
Craven County245193$56m11.8%
Carteret County274186$62m22.6%
Henderson County264182$38m23.3%
Cumberland County272161$28m27.5%
Pitt County174137$41m11.3%
Catawba County213135$25m27.0%
Onslow County182123$30m21.7%
Moore County159117$49m16.2%
Orange County154116$48m15.6%
Cabarrus County158114$25m20.5%
Iredell County166113$30m25.5%
Chatham County150110$35m17.0%
Pender County162108$32m22.5%
Lincoln County13099$24m16.4%
Burke County15091$21m27.7%
Caldwell County13676$13m32.2%
Transylvania County9870$23m21.7%
Pamlico County7560$17m12.7%
Franklin County9958$13m31.5%
Harnett County8857$9.7m27.4%
Haywood County6948$8.0m26.9%
Gaston County7847$11m33.8%
Stokes County6247$6.4m20.3%
Davidson County6545$8.8m24.2%
Rutherford County6742$8.9m27.4%
Watauga County6141$16m22.2%
Macon County5741$14m18.9%
Wilson County6140$8.1m20.8%
Jackson County6838$23m33.3%
Polk County5737$13m27.8%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did First Ciitizens Bank and Trust originate in North Carolina in 2024?

7,746 loans totalling $2.2bn, from 11,336 applications reported for properties in North Carolina.

What is First Ciitizens Bank and Trust's denial rate in North Carolina?

22.5% of decided applications in North Carolina were denied, against 24.0% 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 North Carolina counties does First Ciitizens Bank and Trust lend in most?

By originations: Wake County (1,289), Mecklenburg County (749), New Hanover County (406), Buncombe County (302), Guilford County (291).

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 North Carolina. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.