Lender profile · HMDA 2023–2025
First-Citizens Bank & Trust Company mortgage approval rates & lending data
First-Citizens Bank & Trust Company decided 35,939 mortgage applications and funded 27,062 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 87% | 10,619 / 12,152 | 98% | $445K | 10,393 |
| Home improvement loans | 74% | 8,284 / 11,230 | 94% | $105K | 7,805 |
| Cash-out refinance | 63% | 465 / 736 | 98% | $285K | 454 |
| Refinance | 75% | 6,652 / 8,854 | 94% | $185K | 6,269 |
| Investment property purchase | 86% | 1,660 / 1,929 | 93% | $305K | 1,541 |
| Investment cash-out refinance | 60% | 77 / 129 | 99% | $295K | 76 |
| Investment refinance | 71% | 399 / 559 | 86% | $205K | 345 |
| Investment home improvement | 57% | 201 / 350 | 89% | $155K | 179 |
First-Citizens Bank & Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| North Carolina | 80% | $185K | 16,511 | 12,490 |
| South Carolina | 77% | $115K | 9,486 | 7,010 |
| California | 80% | $495K | 4,461 | 3,472 |
| Florida | 74% | $615K | 924 | 646 |
| Georgia | 75% | $245K | 900 | 638 |
| Virginia | 77% | $265K | 643 | 471 |
| Massachusetts | 90% | $475K | 520 | 449 |
| Texas | 78% | $615K | 317 | 233 |
| Arizona | 79% | $755K | 280 | 215 |
| Tennessee | 80% | $365K | 262 | 202 |
| Washington | 80% | $675K | 239 | 184 |
| Wisconsin | 70% | $175K | 235 | 145 |
| New York | 88% | $1.54M | 181 | 138 |
| Colorado | 82% | $725K | 176 | 137 |
| Maryland | 82% | $255K | 105 | 84 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.