HMDA records
23,032
2025
Public institution profile · Bank · Not a recommendation
First-Citizens Bank & Trust Company
BankRaleigh, NCActive
FDIC certificate 11063
Data observedAugust 3, 2026Section records may have different source dates.
- Public-source data
- Source-linked records
- No paid lender rankings
- See methodology
- Correct the record
Identifiers, verification, and corrections
Stable identifiers
Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.
- FDIC certificate
- 11063
- company ID
- Not published — no verified match
More identifiers
- Federal Reserve
- 491224
- OCC charter number
- Not published — no verified match
- Not published — no verified match
- Official website
- https://11063
Verify at FDICVerify at FFIEC NIC / regulator
Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Profile notes
This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.
Data correction
Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.
Request a correctionAt a glance
- Institution type
- Bank
- Status
- Active
- Headquarters
- Raleigh, NC
- HMDA activity
- Published activity year 2025
- Listed branch locations
- 519
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- Satisfactory, exam August 1, 2023
- Institution history
- 76 published events
What USMI publishes
Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.
- Institution type
- Bank
- Status
- Active
- Headquarters
- Raleigh, NC
- activity
- Published activity year 2025
- Listed branch locations
- 519
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- Satisfactory, exam August 1, 2023
- Institution history
- 76 published events
Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.
What this profile is not
- Not a lender recommendation or ranking.
- Not a mortgage rate sheet or quote.
- Not an underwriting, approval, or eligibility decision.
- Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
- Not a complaint-resolution channel.
- Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.
HMDA
Mortgage activity
Reported records for the selected year. These figures are not a lender score.
23,032reported records
14,381reported originations
2025 reported mortgage activity. Source: HMDA.
HMDA2025The year selector below shows each published activity year.
activity
Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.
Geographynationwide
HMDA source observed2026-08-09
Loan originations
14,381
2025
Denials
4,354
2025
Withdrawals
1,497
2025
Denial rate among decisioned applications
22.5%
2025
Annual history
Scroll sideways to review every HMDA column.
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 23,032 | 14,381 | 645 | 4,354 | 1,497 | 22.5% |
| 2024 | 23,256 | 15,162 | 746 | 4,874 | 1,278 | 23.5% |
| 2023 | 23,378 | 15,304 | 861 | 4,806 | 1,353 | 22.9% |
| 2022 | 27,874 | 19,096 | 994 | 5,193 | 1,256 | 20.5% |
| 2021 | 30,693 | 21,205 | 1,000 | 5,522 | 720 | 19.9% |
| 2020 | 31,171 | 20,176 | 1,215 | 6,261 | 1,068 | 22.6% |
| 2019 | 26,035 | 18,023 | 867 | 5,471 | 888 | 22.5% |
| 2018 | 24,305 | 16,636 | 772 | 5,026 | 788 | 22.4% |
Detailed activity
Loan type and purpose
| Category | HMDA records |
|---|---|
| Conventional | 22,362 |
| FHA | 550 |
| VA | 98 |
| RHS / FSA | 22 |
| Home purchase | 8,294 |
| Home improvement | 5,047 |
| Refinancing | 4,852 |
| Cash-out refinancing | 862 |
State reporting
46 states / territories reported
How to read these figures
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.
CFPB
CFPB consumer submissions
Complaints are consumer submissions and are not findings of wrongdoing.
CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.
CFPB Mortgage Complaint Activity
No published complaint result found
No mapped CFPB mortgage complaint activity is currently published on this profile under U.S. Mortgage Index's verified entity-matching methodology. This is not a finding that no complaint exists under another company name, affiliate, source attribution, period, or configuration.
This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
CFPB complaint records are submissions received by the Consumer Financial Protection Bureau.
Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing.
Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.
Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.
Regulatory records
Regulatory & institutional records
Only records that apply to this institution are shown. Identifiers stay as published.
FFIEC NICAugust 19, 2026Observed date for the NIC institution record.
Institution identity
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- First-Citizens Bank & Trust Company
- Display name
- First-Citizens Bank & Trust Company
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- January 1, 1898
- Charter class
- State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Deposit Insurance Corporation
- Headquarters
- Raleigh, NC, 7078, United States
- Website
- https://11063
- FDIC certificate number
- 11063
- Federal Reserve
- 491224
- Domestic location count
- 518
- Source observed
- August 3, 2026
Regulatory information
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FDIC
- Institution type
- Non-member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 11063
- Federal Reserve
- 491224
- L9VVX1KT5TFTKS0MLF66
- Headquarters
- 239 Fayetteville Street, Raleigh, NC, 27601, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- August 1, 2023
- Regulator
- FDIC
- Examination method
- Large Bank Exam
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| August 1, 2023 | Satisfactory | FDIC | Large Bank Exam |
| November 1, 2019 | Satisfactory | FDIC | Large Bank Exam |
| February 1, 2017 | Satisfactory | FDIC | Large Bank Exam |
| June 1, 2014 | Satisfactory | FDIC | Large Bank Exam |
| March 1, 2011 | Satisfactory | FDIC | Large Bank Exam |
| December 1, 2006 | Satisfactory | FDIC | Large Bank Exam |
| June 4, 2003 | Satisfactory | FDIC | Large Bank Exam |
| January 1, 2000 | Satisfactory | FDIC | Large Bank Exam |
| June 1, 1997 | Outstanding | FDIC | Small Bank |
| December 1, 1994 | Outstanding | FDIC | Not Reported |
| July 1, 1992 | Outstanding | FDIC | Not Reported |
Formal hierarchy
FFIEC NIC hierarchy rows
26
Showing 1 through 25 of 26 relationship records
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered nonmember bank
Locations
Branch and office locations
Start with the published count and primary location. Search stays paged so the first view stays readable.
FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.
Branch locations
Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.
Branch network
Listed locations
519
Showing 51 through 100 of 519 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| SANTA MONICA OCEAN BRANCH | 1750 Ocean Park Boulevard | Santa Monica | CA | 90405 |
| SANTA MONICA WILSHIRE BRANCH | 401 Wilshire Boulevard | Santa Monica | CA | 90401 |
| SOLANA BEACH BRANCH | 706 Lomas Santa FE Drive | Solana Beach | CA | 92075 |
| TEMECULA MAIN BRANCH | 44575 Avenida DE Missiones | Temecula | CA | 92592 |
| THOUSAND OAKS BRANCH | 199 East Thousand Oaks Boulevard | Thousand Oaks | CA | 91360 |
| TORRANCE BRANCH | 3422 West Carson Street | Torrance | CA | 90503 |
| WALNUT CREEK BRANCH | 100 Pringle Avenue, Suite 100 | Walnut Creek | CA | 94596 |
| WEST COVINA BRANCH | 225 North Barranca Street | West Covina | CA | 91791 |
| BOULDER BRANCH | 1601 28th Street | Boulder | CO | 80301 |
| CHERRY CREEK BRANCH | 3611 East 1st Avenue | Denver | CO | 80206 |
| MERIDIAN BRANCH | 9848 Zenith Meridian Drive | Englewood | CO | 80112 |
| DENVER TECHNOLOGY CENTER BRANCH | 8480 East Belleview Avenue | Greenwood Village | CO | 80111 |
| WESTMINSTER BRANCH | 2424 West 121st Ave | Westminster | CO | 80234 |
| BELLEAIR BRANCH | 101 Indian Rocks Road North | Belleair Bluffs | FL | 33770 |
| BOCA RATON BRANCH | 5099 North Federal Hwy | Boca Raton | FL | 33431 |
| BONITA SPRINGS BRANCH | 8891 Timberwilde Drive | Bonita Springs | FL | 34135 |
| MIAMI BAYSHORE BRANCH | 2601 South Bayshore Drive, Suite 101 | Coconut Grove | FL | 33133 |
| CORAL GABLES MAIN BRANCH | 250 Palermo Avenue | Coral Gables | FL | 33134 |
| CORAL SPRINGS BRANCH | 5721 Coral Ridge Drive | Coral Springs | FL | 33076 |
| DORAL BRANCH | 3750 Northwest 87th Avenue Suite 150 | Doral | FL | 33178 |
| FORT LAUDERDALE MAIN BRANCH | 6555 N Federal Highway | Fort Lauderdale | FL | 33308 |
| HEALTH PARK BRANCH | 16700 Bass Road | Fort Myers | FL | 33908 |
| BARTRAM PARK BRANCH | 13860 Old Saint Augustine Road | Jacksonville | FL | 32258 |
| SAN MARCO BRANCH | 1471 San Marco Blvd | Jacksonville | FL | 32207 |
| SAN PABLO BRANCH | 4300 San Pablo Parkway | Jacksonville | FL | 32224 |
| JUPITER BRANCH | 1098 Military Trail | Jupiter | FL | 33458 |
| LAKE MARY BRANCH | 875 Currency Circle | Lake Mary | FL | 32746 |
| LAKEWOOD RANCH BRANCH | 9121 Town Center Parkway | Lakewood Ranch | FL | 34202 |
| MARCO ISLAND BRANCH | 1770 San Marco Road, Suite 101 | Marco Island | FL | 34145 |
| NAPLES MAIN BRANCH | 3055 Tamiami Trail North | Naples | FL | 34103 |
| RIVERCHASE BRANCH | 1125 Immokalee Road | Naples | FL | 34110 |
| PINELLAS PARK BRANCH | 7401 Park Blvd N | Pinellas Park | FL | 33781 |
| PONTE VEDRA BRANCH | 832 Highway A1a North, Suite 16 | Ponte Vedra Beach | FL | 32082 |
| ST PETERSBURG BRANCH | 5900 Central Avenue | Saint Petersburg | FL | 33707 |
| SOUTH MIAMI BRANCH | 7301 SW 57 Ct, Suite 150 | South Miami | FL | 33143 |
| STUART MAIN BRANCH | 2171 SE Federal Highway | Stuart | FL | 34994 |
| BRANDON BRANCH | 10670 Palm River Road | Tampa | FL | 33619 |
| NORTH DALE MABRY BRANCH | 327 N. Dale Mabry Highway | Tampa | FL | 33609 |
| WESTCHASE BRANCH | 13015 Race Track Road | Tampa | FL | 33626 |
| WINTER PARK BRANCH | 517 W Morse Boulevard | Winter Park | FL | 32789 |
| NORTH POINT COMMONS BRANCH | 10865 Haynes Bridge Road | Alpharetta | GA | 30022 |
| RIVERMONT STATION BRANCH | 8479 Holcomb Bridge Road | Alpharetta | GA | 30022 |
| HULL BRANCH | 9205 Highway 29 South | Athens | GA | 30601 |
| ATLANTA BUCKHEAD BRANCH | 79 West Paces Ferry Road, Suite 100 | Atlanta | GA | 30305 |
| ATLANTA CUMBERLAND BRANCH | 3300 Cumberland Boulevard SE | Atlanta | GA | 30339 |
| ATLANTA DUNWOODY BRANCH | 5571 Chamblee Dunwoody RD | Atlanta | GA | 30338 |
| AUGUSTA WALTON'S CORNER BRANCH | 3602 Walton Way | Augusta | GA | 30909 |
| CARNESVILLE BRANCH | 9654 Lavonia RD | Carnesville | GA | 30521 |
| COMER BRANCH | 36 Highway 72 E | Comer | GA | 30629 |
| DANIELSVILLE BRANCH | 300 General Daniel Avenue | Danielsville | GA | 30633 |
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
History
Institution history
Events are listed by date. The source event type is kept with the record.
HistoryAugust 19, 2026Event dates come from the source row. The observed date is when USMI reviewed the file.
Institution history
History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.
Institutional history
FFIEC NIC history events
76
Showing 1 through 25 of 76 history events
| Event date | Event type | Related institution |
|---|---|---|
| March 27, 2023 | Charter Discontinued (Merger or Purchase & Assumption) | SILICON VALLEY BRIDGE BANK, NATIONAL ASSOCIATION |
| January 4, 2022 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| January 4, 2022 | Charter Discontinued (Merger or Purchase & Assumption) | CIT GROUP INC. |
| February 1, 2020 | Charter Discontinued (Merger or Purchase & Assumption) | COMMUNITY FINANCIAL HOLDING COMPANY, INC. |
| February 1, 2020 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| January 1, 2020 | Charter Discontinued (Merger or Purchase & Assumption) | ENTEGRA FINANCIAL CORP. |
| January 1, 2020 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| May 1, 2019 | Charter Discontinued (Merger or Purchase & Assumption) | FIRST SOUTH BANCORP, INC. |
| May 1, 2019 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| April 2, 2019 | Charter Discontinued (Merger or Purchase & Assumption) | BISCAYNE BANCSHARES, INC. |
| April 2, 2019 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| November 1, 2018 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| November 1, 2018 | Charter Discontinued (Merger or Purchase & Assumption) | PALMETTO HERITAGE BANCSHARES, INC. |
| October 2, 2018 | Charter Discontinued (Merger or Purchase & Assumption) | CAPITAL COMMERCE BANCORP, INC. |
| October 2, 2018 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| May 1, 2018 | Charter Discontinued (Merger or Purchase & Assumption) | HOMEBANCORP, INC. |
| May 1, 2018 | Charter Discontinued (Merger or Purchase & Assumption) | HOMEBANC |
| May 6, 2017 | Failure - Government Assistance Provided | GUARANTY BANK |
| January 14, 2017 | Failure - Government Assistance Provided | HARVEST COMMUNITY BANK |
| September 1, 2016 | Charter Discontinued (Merger or Purchase & Assumption) | CORDIA BANCORP, INC. |
| September 1, 2016 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| May 7, 2016 | Failure - Government Assistance Provided | FIRST CORNERSTONE BANK |
| March 12, 2016 | Failure - Government Assistance Provided | NORTH MILWAUKEE STATE BANK |
| February 14, 2015 | Failure - Government Assistance Provided | CAPITOL CITY BANK & TRUST COMPANY |
| January 1, 2015 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
SourcesEach source keeps its own observed date. Dates are not combined into one profile date.
Sources & methodology
Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.
FDIC BankFind
Source reviewed2026-08-03
Limitation
FDIC fields describe the institution record USMI reviewed. They are not a recommendation or a real-time license check.
CFPB Consumer Complaint Database search
Source reviewed2026-08-03
Limitation
Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.
HMDA modified LAR
Source reviewed2026-08-03
Limitation
HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.
FFIEC NIC institution profile
Source reviewed2026-08-19
Limitation
The observed date is when USMI reviewed the public NIC record. It is not a real-time status feed.
FFIEC NIC branches
Source reviewed2026-08-19
Limitation
Branch rows are FFIEC NIC listed locations, not a consumer-facing store locator.
FFIEC NIC organizational hierarchy
Source reviewed2026-08-19
Limitation
Hierarchy rows are the FFIEC-reported structure. They are not a complete legal-ownership opinion and they are not branch locations.
FFIEC NIC institution history
Source reviewed2026-08-19
Limitation
History events are shown as reported by FFIEC NIC. USMI does not add a merger or failure narrative.
FFIEC CRA Ratings Database
Source reviewed2026-08-28
Limitation
A CRA rating is the regulator's examination result for the date shown. It is not a USMI rating.