Applications / Mortgage Analytics / Lenders / North Carolina / First Citizens Bank / Competition
First Citizens Bank
Raleigh, NC · State non-member bank · FDIC · $229 billion assets · 14,381 loans in 2025
First Citizens Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
14,381
loans originated, 2025
21,831
applications, 2025
42
states and territories
0
gaps bigger than at similar lenders
Who First Citizens Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — RALEIGH-CARY, NC, 2025
First Citizens Bank ranks 5th of 638 lenders in Raleigh-Cary, NC, with $445.0M lent: 2.8% of a $15.84B market.
Raleigh-Cary, NC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — CHARLOTTE-CONCORD-GASTONIA, NC-SC, 2025
First Citizens Bank ranks 15th of 775 lenders in Charlotte-Concord-Gastonia, NC-SC, with $393.6M lent: 1.4% of a $28.47B market.
Charlotte-Concord-Gastonia, NC-SC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 35% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NON-METRO NORTH CAROLINA, 2025
First Citizens Bank ranks 5th of 762 lenders in non-metro North Carolina, with $358.7M lent: 2.8% of a $12.96B market.
non-metro North Carolina is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — CHARLESTON-NORTH CHARLESTON, SC, 2025
First Citizens Bank ranks 5th of 617 lenders in Charleston-North Charleston, SC, with $301.4M lent: 2.5% of a $11.91B market.
Charleston-North Charleston, SC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 29% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — LOS ANGELES-LONG BEACH-ANAHEIM, CA, 2025
First Citizens Bank ranks 85th of 757 lenders in Los Angeles-Long Beach-Anaheim, CA, with $278.9M lent: 0.2% of a $114.28B market.
Los Angeles-Long Beach-Anaheim, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and First Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — HUNTSVILLE, AL, 2025
First Citizens Bank ranks 262nd of 440 lenders in Huntsville, AL, with $780K lent: 0.0% of a $4.63B market.
Huntsville, AL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — TUSCALOOSA, AL, 2025
First Citizens Bank ranks 262nd of 306 lenders in Tuscaloosa, AL, with $205K lent: 0.0% of a $1.26B market.
Tuscaloosa, AL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 49% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — BOZEMAN, MT, 2025
First Citizens Bank ranks 11th of 233 lenders in Bozeman, MT, with $44.0M lent: 2.4% of a $1.85B market.
Bozeman, MT is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and First Citizens Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 52% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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First Citizens Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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