Lender in North Carolina · HMDA 2025
First-Citizens Bank & Trust Company mortgages in North Carolina
First-Citizens Bank & Trust Company's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
First-Citizens Bank & Trust Company originated 1,731 owner-occupied single-family loans in North Carolina from 1,998 completed applications, making it the state's #22 lender by volume.
Its median conventional purchase loan costs were $4,860 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.25% (North Carolina: 6.50%).
Loans in NC
1,731
of 1,998 applications
Denial rate
8.8%
Purchase · NC 7.6%
Rate spread
+0.01 pts
Conv. · NC +0.04 pts
Loan amount
$405,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,517 | 1,369 | 8.8% | 6.250% | +0.01 pts | $4,860 | $405,000 |
| Refinance | 278 | 224 | 15.1% | 6.375% | −0.00 pts | $4,340 | $495,000 |
| Cash-out refinance | 203 | 138 | 31.0% | 6.625% | +0.25 pts | $4,300 | $225,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where First-Citizens Bank & Trust Company ranks in the top 25
Showing the 30 counties where it ranks highest, of 48.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Pamlico County | 1 | 20 | 11.8% |
| Transylvania County | 2 | 20 | 6.7% |
| Greene County | 3 | 9 | 8.6% |
| Polk County | 4 | 10 | 4.3% |
| Carteret County | 6 | 44 | 4.1% |
| Vance County | 8 | 8 | 2.6% |
| Craven County | 9 | 76 | 3.8% |
| Orange County | 9 | 32 | 2.1% |
| Chatham County | 9 | 28 | 2.2% |
| Jackson County | 9 | 8 | 2.7% |
| Henderson County | 10 | 42 | 2.4% |
| Rutherford County | 10 | 12 | 1.7% |
| Buncombe County | 11 | 59 | 2.0% |
| Wake County | 12 | 318 | 1.6% |
| Durham County | 12 | 79 | 1.7% |
| Haywood County | 12 | 13 | 1.5% |
| McDowell County | 12 | 7 | 1.5% |
| Wilson County | 13 | 18 | 1.9% |
| Watauga County | 13 | 7 | 1.8% |
| Ashe County | 13 | 4 | 1.6% |
| Pitt County | 14 | 47 | 2.1% |
| Beaufort County | 14 | 11 | 2.5% |
| Bladen County | 14 | 4 | 2.1% |
| Avery County | 14 | 2 | 1.3% |
| Moore County | 15 | 48 | 2.1% |
| Caldwell County | 15 | 14 | 1.4% |
| Burke County | 16 | 11 | 1.1% |
| Macon County | 16 | 6 | 1.4% |
| Montgomery County | 16 | 4 | 1.5% |
| Martin County | 16 | 3 | 1.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology