Lenders › First Ciitizens Bank and Trust › Wisconsin
First Ciitizens Bank and Trust in Wisconsin
HMDA record for properties in Wisconsin, calendar year 2024. National record · Wisconsin 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 Wisconsin covers 120 applications, 59 of them originated, worth $13m.
Its denial rate in the state was 33.6%, above the Wisconsin rate of 17.1% across all lenders and compared with the lender's national rate of 23.5%.
The median rate spread on its Wisconsin originations was -1.6 percentage points (state median 0.2).
Applications in the state were down 18% on 2023.
Compared with the state and the lender's national record
| Measure | In Wisconsin | Wisconsin, all lenders | First Ciitizens Bank and Trust, all states | United States |
|---|---|---|---|---|
| Denial rate | 33.6% | 17.1% | 23.5% | 24.3% |
| Median rate spread, pp | -1.6 | 0.2 | -1.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.0% | 11.0% | 0.7% | 15.6% |
| Average originated loan | $213k | $223k | $394k | $329k |
| Home purchase share | 40.7% | 46.3% | 29.7% | 57.0% |
| FHA-insured share | 0.0% | 5.6% | 2.2% | 13.4% |
| VA-guaranteed share | 0.0% | 4.3% | 0.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWisconsin, all lenders
Loan purpose and loan type in Wisconsin
By purpose
Home purchase 41% (24)Home improvement 7% (4)Refinancing 29% (17)Other purpose 24% (14)
By type
Conventional 100% (59)
Denial reasons as coded
Share of 38 denials in Wisconsin by first denial reason coded (outlined bar: all lenders in the state).
Counties in Wisconsin
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 61 | 28 | $4.8m | 36.1% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First Ciitizens Bank and Trust originate in Wisconsin in 2024?
59 loans totalling $13m, from 120 applications reported for properties in Wisconsin.
What is First Ciitizens Bank and Trust's denial rate in Wisconsin?
33.6% of decided applications in Wisconsin were denied, against 17.1% 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 Wisconsin counties does First Ciitizens Bank and Trust lend in most?
By originations: Milwaukee County (28).
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 Wisconsin. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.