First-Citizens Bank & Trust in North Carolina vs the state
19.6%Denial rate+1.52 pts vs state
21.6%Decision denial rate-1.23 pts vs state
67.7%Origination rate+9.87 pts vs state
6.38%Median rate-0.13 pts vs state
-0.11Rate spread (pts)-0.20 pts vs state
$144kMedian applicant income
6,984Loans originated
2,020Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11,236 | 7,615 | 21.1% | 6.49% | #7 |
| 2024 | 11,336 | 7,746 | 20.9% | 5.99% | #6 |
| 2025 | 10,319 | 6,984 | 19.6% | 6.38% | #8 |
What First-Citizens Bank & Trust lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most First-Citizens Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 1,687 | 1,178 | 288 | 17.1% |
| Mecklenburg County | 882 | 618 | 167 | 18.9% |
| New Hanover County | 509 | 345 | 103 | 20.2% |
| Buncombe County | 384 | 255 | 82 | 21.4% |
| Guilford County | 383 | 243 | 79 | 20.6% |
| Durham County | 354 | 239 | 58 | 16.4% |
| Union County | 324 | 225 | 64 | 19.8% |
| Johnston County | 323 | 227 | 60 | 18.6% |
| Brunswick County | 297 | 211 | 59 | 19.9% |
| Cumberland County | 276 | 153 | 78 | 28.3% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
| Freedom Mortgage | B | 9,632 | 7.1% | 6.13% |
Frequently asked questions
North Carolina: 10,319 applications in 2025, of which 6,984 were originated and 2,020 denied.
19.6% of all applications, or 21.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans First-Citizens Bank & Trust originated in North Carolina in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are First-Citizens Bank & Trust's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology