Firstbank Mortgage Rates, Fees & Info

Lakewood, CO

LEI: 5493009V3WNJX9V2GZ85

Tax ID: 84-0521049

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Firstbank is a small bank specializing in Home Purchase and Refi loans. Firstbank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Denver, Phoenix, Edwards, Boulder, and Fort Collins among others. We have data for 25 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Firstbank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Firstbank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 4/21/24
    30 Year Conventional Purchase 6.41% 4/21/24
    30 Year Conventional Refi 6.47% 4/21/24
    30 Year Cash-out Refi 6.36% 4/21/24
    30 Year FHA Purchase 6.85% 4/21/24
    15 Year Conventional Purchase 5.73% 4/21/24
    15 Year Conventional Refi 5.82% 4/21/24
    15 Year Cash-out Refi 5.82% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Firstbank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Firstbank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    7,628

    Origination Dollar Volume (All Markets)

    $2,085,300,000

    Employee count

    2,670 Show all (12) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 4,233 $1,058,215,000 $249,992 $3,386 5.00%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 548 $187,420,000 $342,007 $4,142 4.82%
    Edwards, CO (FHA|USDA|VA) 424 $164,810,000 $388,703 $3,115 4.68%
    BOULDER, CO (FHA|USDA|VA) 433 $161,825,000 $373,730 $4,205 4.93%
    FORT COLLINS, CO (FHA|USDA|VA) 604 $133,730,000 $221,407 $3,562 4.94%
    Breckenridge, CO (FHA|USDA|VA) 286 $102,620,000 $358,811 $4,338 4.71%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 409 $76,475,000 $186,980 $2,995 5.07%
    GREELEY, CO (FHA|USDA|VA) 414 $68,840,000 $166,280 $3,047 5.09%
    Glenwood Springs, CO (FHA|USDA|VA) 77 $52,155,000 $677,338 $3,469 4.66%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 91 $32,985,000 $362,473 $4,875 4.48%
    Outside of Metro Areas 68 $22,250,000 $327,206 $3,642 4.58%
    Steamboat Springs, CO (FHA|USDA|VA) 10 $10,770,000 $1,077,000 $4,957 4.46%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 8 $6,940,000 $867,500 $4,271 4.64%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $1,200,000 $600,000 $4,182 4.13%
    GRAND JUNCTION, CO (FHA|USDA|VA) 4 $900,000 $225,000 $4,163 4.56%
    PUEBLO, CO (FHA|USDA|VA) 6 $680,000 $113,333 $1,122 5.56%
    SALT LAKE CITY, UT (FHA|USDA|VA) 1 $625,000 $625,000 $6,587 4.13%
    Montrose, CO (FHA|USDA|VA) 2 $620,000 $310,000 $3,328 4.44%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $605,000 $605,000 $2,661 4.25%
    TUCSON, AZ (FHA|USDA|VA) 2 $460,000 $230,000 $4,140 4.31%
    Durango, CO (FHA|USDA|VA) 1 $335,000 $335,000 $2,996 4.00%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $315,000 $315,000 $0 4.50%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $255,000 $255,000 $0 5.00%
    Cañon City, CO (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.13%
    Payson, AZ (FHA|USDA|VA) 1 $105,000 $105,000 $2,944 4.38%
    Firstbank's top markets include Denver, Phoenix, Edwards, Boulder, and Fort Collins among others.

    Their top states include:
  • Colorado (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Utah (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against FirstBank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    FRONTWAVE
    Similarity Rank: 92
    Pioneer Bank
    Similarity Rank: 294
    American Interbanc Mortgage
    Similarity Rank: 364
    DENVER COMMUNITY
    Similarity Rank: 548
    SAN DIEGO COUNTY CREDIT UNION
    Similarity Rank: 561
    ALTA VISTA CREDIT UNION
    Similarity Rank: 612
    MONARCH FUNDING CORP.
    Similarity Rank: 705
    IAPPROVE LENDING
    Similarity Rank: 816
    Guaranty Bank and Trust Co
    Similarity Rank: 833
    ORANGE COUNTY'S CREDIT UNION
    Similarity Rank: 882

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,122 $1,790,610,000 $349,592 $3,494 4.76%
    HELOC 2,499 $293,315,000 $117,373 n/a 5.31%
    FHA 7 $1,375,000 $196,429 $7,183 4.63%

    For 2018, Firstbank's most frequently originated type of loan was Conventional, with 5,122 originations. Their 2nd most popular type was HELOC, with 2,499 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,431 $1,366,255,000 $398,209 $4,626 4.70%
    Home Improvement 1,556 $141,560,000 $90,977 $627 5.37%
    Refi 1,537 $449,305,000 $292,326 $3,524 4.79%
    Other 958 $95,640,000 $99,833 $931 5.42%
    Cash Out Refi 146 $32,540,000 $222,877 $4,426 4.51%

    For 2018, Firstbank's most frequently cited loan purpose was Home Purchase, with 3,431 originations. The 2nd most popular reason was Home Improvement, with 1,556 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,388 $1,279,380,000 $377,621 $4,691 4.43%
    10 Year 2,590 $376,170,000 $145,239 $530 5.23%
    5 Year 539 $41,875,000 $77,690 $290 5.71%
    15 Year 448 $119,720,000 $267,232 $3,814 4.67%
    Other 307 $192,305,000 $626,401 $1,974 5.77%
    3 Year 204 $29,160,000 $142,941 $251 6.31%
    1 Year 121 $39,295,000 $324,752 $5,178 6.21%
    20 Year 31 $7,395,000 $238,548 $4,894 4.42%

    For 2018, Firstbank's most frequently cited loan duration was 30 Year, with 3,388 originations. The 2nd most popular length was 10 Year, with 2,590 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,859 $489,855,000 $263,505
    $1k-2k 348 $101,670,000 $292,155
    $3k-4k 292 $87,840,000 $300,822
    $2k-3k 287 $69,285,000 $241,411
    $5k+ 276 $179,340,000 $649,783
    $4k-5k 167 $63,705,000 $381,467

    Firstbank's average total fees were $4,691, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,859 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 3,917 $1,236,635,000 $315,710
    5-6% 2,118 $412,120,000 $194,580
    3-4% 959 $363,385,000 $378,921
    6-7% 550 $65,520,000 $119,127
    7-8% 81 $7,365,000 $90,926
    Over 8% 1 $45,000 $45,000
    2.5-3% 1 $215,000 $215,000
    <2.5% 1 $15,000 $15,000

    During 2018, Firstbank's average interest rate for loans was 4.43%, while their most frequently originated rate bucket for loans was 4-5%, with 3,917 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,469 $121,555,000 $49,232 $551 5.42%
    $200k-400k 1,926 $546,310,000 $283,650 $4,404 4.62%
    $100k-200k 1,820 $249,260,000 $136,956 $3,153 4.93%
    $400k-600k 749 $360,595,000 $481,435 $4,829 4.56%
    $600k-1MM 457 $340,145,000 $744,300 $6,101 4.54%
    $1MM+ 207 $467,435,000 $2,258,140 $8,400 4.61%

    2018 saw Firstbank place emphasis on $100,000 or less loans with 2,469 originations, totaling $121,555,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,379 $254,555,000 $184,594 $2,987 5.01%
    $150k-250k 1,304 $319,040,000 $244,663 $4,064 5.01%
    $250k+ 1,084 $441,350,000 $407,149 $4,819 4.83%
    $50k-75k 958 $133,820,000 $139,687 $3,258 4.86%
    $75k-100k 847 $138,595,000 $163,630 $2,922 5.00%
    $50k or less 552 $68,750,000 $124,547 $2,689 4.65%

    Firstbank lent most frequently to those with incomes in the $100k-150k range, with 1,379 originations. The second most popular income band? $150k-250k, with 1,304 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,163 $241,045,000 $207,261 $3,161 4.90%
    50-60% 1,047 $324,565,000 $309,995 $4,148 4.96%
    30-36% 1,043 $207,655,000 $199,094 $3,223 4.92%
    <20% 553 $119,825,000 $216,682 $2,947 4.79%
    >60% 515 $185,275,000 $359,757 $4,707 4.89%
    45% 224 $53,520,000 $238,929 $3,411 4.86%
    49% 222 $45,040,000 $202,883 $3,412 4.98%
    39% 221 $45,505,000 $205,905 $3,800 4.84%
    44% 218 $47,170,000 $216,376 $3,328 4.91%
    38% 217 $49,635,000 $228,733 $3,458 4.87%
    40% 201 $45,235,000 $225,050 $3,433 4.90%
    42% 198 $43,760,000 $221,010 $3,392 4.95%
    43% 194 $38,730,000 $199,639 $3,264 5.01%
    36% 177 $36,355,000 $205,395 $3,308 4.86%
    48% 175 $45,635,000 $260,771 $3,435 5.02%
    46% 168 $38,900,000 $231,548 $3,379 5.01%
    41% 168 $37,870,000 $225,417 $3,605 4.86%
    37% 167 $35,975,000 $215,419 $3,774 5.01%
    47% 148 $31,460,000 $212,568 $3,428 4.85%

    Firstbank lent most frequently to those with DTI ratios of 20-30%, with 1,163 originations. The next most common DTI ratio? 50-60%, with 1,047 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,784 $1,017,220,000 $212,630 $3,292 4.94%
    Not applicable 1,486 $716,770,000 $482,349 $4,224 5.04%
    Not provided 874 $234,660,000 $268,490 $3,984 4.88%
    Asian 328 $85,720,000 $261,341 $4,420 4.64%
    Black 67 $14,625,000 $218,284 $5,212 4.96%
    American Indian 50 $7,700,000 $154,000 $2,867 5.03%
    Chinese 8 $2,750,000 $343,750 $4,323 4.23%
    Other Asian 12 $2,460,000 $205,000 $3,954 4.75%
    Native Hawaiian or Islander 5 $1,205,000 $241,000 $4,585 5.40%
    Asian Indian 6 $960,000 $160,000 $4,073 5.17%
    Vietnamese 1 $585,000 $585,000 $7,020 4.63%
    Japanese 5 $465,000 $93,000 $5,235 5.43%
    Other Pacific Islander 2 $180,000 $90,000 $0 5.25%

    Approval Rates

    Total approvals of all applications
    89.79%

    Firstbank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    80.57%

    Firstbank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 7,628 $2,085,300,000 $273,374

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 106 $263,690,000 $2,487,642
    Single Family (1-4 Units):Manufactured 44 $6,540,000 $148,636
    Single Family (1-4 Units):Site-Built 7,478 $1,815,070,000 $242,721

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,063 $188,565,000 $177,389 $2,859 5.05%
    40-60% 896 $361,000,000 $402,902 $4,525 4.66%
    60-80% 2,493 $1,093,405,000 $438,590 $4,928 4.60%
    80-100% 685 $270,925,000 $395,511 $4,716 4.58%
    Over 100% 1 $1,565,000 $1,565,000 $0 6.75%
    Under 20% 2,490 $169,840,000 $68,209 $467 5.43%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    FIRSTBANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 33.3%
    FIRSTBANK Other type of mortgage Trouble during payment process 1 33.3%
    FIRSTBANK Conventional home mortgage Closing on a mortgage 1 33.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    FirstBank 0011 West Beaver Creek Boulevard Avon, CO 81620 Full Service B&M $306,588
    FirstBank 100 South College Avenue Fort Collins, CO 80524 Full Service B&M $31,923
    FirstBank 100 St. Paul Street, Suite 100 Denver, CO 80206 Full Service B&M $735,283
    FirstBank 101 West County Line Road Littleton, CO 80129 Full Service B&M $258,614
    FirstBank 1010 West Baptist Road Colorado Springs, CO 80921 Full Service B&M $68,094
    FirstBank 1013 East Harmony Road Fort Collins, CO 80525 Full Service B&M $236,038
    FirstBank 10367 Federal Boulevard Westminster, CO 80260 Full Service B&M $147,675
    FirstBank 10403 West Colfax Avenue Lakewood, CO 80215 Full Service B&M $1,240,048
    FirstBank 105 Edwards Village Blvd. Edwards, CO 81632 Full Service B&M $80,192
    FirstBank 10961 South Parker Road Parker, CO 80134 Full Service B&M $162,508
    FirstBank 11695 Meridian Market View Road Peyton, CO 80831 Full Service B&M $27,280
    FirstBank 11767 West Ken Caryl Avenue Littleton, CO 80127 Full Service B&M $182,917
    FirstBank 1190 U.S. Highway 287 Broomfield, CO 80020 Full Service B&M $60,767
    FirstBank 1200 17th Street, Suite 100 Denver, CO 80202 Full Service B&M $230,882
    FirstBank 1270 South Hover Road Longmont, CO 80501 Full Service B&M $203,915
    FirstBank 1275 Garden Of The Gods Road Colorado Springs, CO 80907 Full Service B&M $69,336
    FirstBank 1316 East Evans Avenue Denver, CO 80210 Full Service B&M $102,303
    FirstBank 13300 East Colfax Avenue Aurora, CO 80011 Full Service B&M $28,737
    FirstBank 1352 West Eisenhower Boulevard Loveland, CO 80537 Full Service B&M $161,820
    FirstBank 13600 Colorado Boulevard Thornton, CO 80602 Full Service B&M $99,692
    FirstBank 14185 West Colfax Drive Golden, CO 80401 Full Service B&M $75,764
    FirstBank 1510 Main Street Windsor, CO 80550 Full Service B&M $65,361
    FirstBank 15250 East 104th Avenue Commerce City, CO 80022 Full Service B&M $32,282
    FirstBank 15250 East Mississippi Avenue Aurora, CO 80012 Full Service Retail $36,790
    FirstBank 15250 West 64th Avenue Arvada, CO 80007 Full Service B&M $143,829
    FirstBank 1550 North Gilbert Road Gilbert, AZ 85234 Full Service B&M $43,385
    FirstBank 1559 N. Litchfield Road Goodyear, AZ 85395 Full Service B&M $25,046
    FirstBank 160 Us Highway 6 Silverthorne, CO 80498 Full Service B&M $185,639
    FirstBank 1617 E. Colfax Avenue Denver, CO 80218 Full Service B&M $113,838
    FirstBank 16530 Keystone Blvd. Parker, CO 80134 Full Service B&M $90,426
    FirstBank 17 Vail Road Vail, CO 81657 Full Service B&M $368,692
    FirstBank 17063 West Greenway Road Surprise, AZ 85388 Full Service B&M $20,797
    FirstBank 1707 North Main Street Longmont, CO 80501 Full Service B&M $319,434
    FirstBank 1720 South Power Road Mesa, AZ 85206 Full Service B&M $11,529
    FirstBank 1777 16th Street Denver, CO 80202 Full Service B&M $36,370
    FirstBank 1779 Highway 7 Erie, CO 80516 Full Service B&M $44,124
    FirstBank 1849 West Glendale Avenue Phoenix, AZ 85021 Full Service B&M $4,904
    FirstBank 18521 Green Valley Ranch Blvd Denver, CO 80249 Full Service B&M $62,181
    FirstBank 18600 East Hampden Avenue Aurora, CO 80013 Full Service B&M $72,443
    FirstBank 19309 North R. H. Johnson Blvd Sun City, AZ 85375 Full Service B&M $18,730
    FirstBank 1940 South Kipling Parkway Lakewood, CO 80227 Full Service B&M $217,159
    FirstBank 19771 East Smoky Hill Road Centennial, CO 80015 Full Service B&M $224,071
    FirstBank 2 North Cascade Avenue, Suite 130 Colorado Springs, CO 80903 Full Service B&M $129,508
    FirstBank 2 Plum Creek Parkway Castle Rock, CO 80104 Full Service B&M $323,574
    FirstBank 200 Ski Hill Road Breckenridge, CO 80424 Full Service B&M $191,909
    FirstBank 2014 Grand Avenue Glenwood Springs, CO 81601 Full Service B&M $57,278
    FirstBank 2020 South Alma School Road Chandler, AZ 85286 Full Service B&M $52,373
    FirstBank 2025 N. Alma School Road Chandler, AZ 85224 Full Service B&M $16,608
    FirstBank 2100 N Broadway Street Boulder, CO 80302 Full Service B&M $86,621
    FirstBank 2155 West 136th Avenue Broomfield, CO 80023 Full Service B&M $42,622
    FirstBank 2219 W. Wildcat Reserve Parkway Highlands Ranch, CO 80129 Full Service B&M $126,348
    FirstBank 2271 North Frontage Road West Vail, CO 81657 Full Service B&M $45,166
    FirstBank 2300 South Havana Street Aurora, CO 80014 Full Service B&M $250,378
    FirstBank 2315 S. College Avenue Fort Collins, CO 80525 Full Service B&M $97,907
    FirstBank 2323 East Arapahoe Road Centennial, CO 80122 Full Service B&M $150,117
    FirstBank 23399 North Scottsdale Road, Suite E101 Scottsdale, AZ 85255 Full Service B&M $12,587
    FirstBank 25 Market Street Eagle, CO 81631 Full Service B&M $81,282
    FirstBank 25541 East Smoky Hill Road Aurora, CO 80016 Full Service B&M $36,317
    FirstBank 25617 Conifer Road Conifer, CO 80433 Full Service B&M $80,309
    FirstBank 264 Union Blvd. Lakewood, CO 80228 Full Service Retail $86,781
    FirstBank 2644 South Timberline Road Fort Collins, CO 80525 Full Service B&M $76,083
    FirstBank 2740 So. Colorado Blvd. Denver, CO 80222 Full Service B&M $166,024
    FirstBank 275 S Federal Blvd Denver, CO 80219 Full Service B&M $24,739
    FirstBank 2790 Briargate Boulevard Colorado Springs, CO 80920 Full Service B&M $73,087
    FirstBank 2835 Pearl Street, Suite A Boulder, CO 80301 Full Service B&M $129,196
    FirstBank 2850 Quebec Street Denver, CO 80207 Full Service B&M $123,341
    FirstBank 2901 23rd Avenue Greeley, CO 80631 Full Service B&M $64,450
    FirstBank 29240 Us Hwy 40 & El Rancho Exit Evergreen, CO 80439 Full Service B&M $69,434
    FirstBank 30770 Stagecoach Boulevard Evergreen, CO 80439 Full Service B&M $149,015
    FirstBank 3190 Youngfield Street Wheat Ridge, CO 80215 Full Service B&M $86,265
    FirstBank 3500 South Wadsworth Boulevard Lakewood, CO 80235 Full Service B&M $226,747
    FirstBank 3594 South Logan Street Englewood, CO 80113 Full Service B&M $10,597
    FirstBank 36 North 50th Avenue Lakewood, CO 80215 Full Service B&M $18,810
    FirstBank 3600 Table Mesa Drive Boulder, CO 80305 Full Service Retail $50,040
    FirstBank 370 17th Street Denver, CO 80202 Full Service B&M $340,852
    FirstBank 3801 Federal Blvd Denver, CO 80211 Full Service B&M $42,972
    FirstBank 3945 East Chandler Blvd. Phoenix, AZ 85048 Full Service B&M $16,804
    FirstBank 39580 Washington Street Palm Desert, CA 92211 Full Service B&M $71,745
    FirstBank 3990 East 104th Avenue Thornton, CO 80233 Full Service B&M $84,409
    FirstBank 405 East Cheyenne Mountain Blvd Colorado Springs, CO 80906 Full Service B&M $52,710
    FirstBank 410 East Bromley Lane Brighton, CO 80601 Full Service B&M $177,171
    FirstBank 42-035 Washington Street Palm Desert, CA 92211 Full Service B&M $132,184
    FirstBank 4322 West 9th Street Rd Greeley, CO 80634 Full Service B&M $65,686
    FirstBank 4350 Wadsworth Boulevard Wheat Ridge, CO 80033 Full Service B&M $438,197
    FirstBank 4770 Baseline Road, Suite 100 Boulder, CO 80303 Full Service B&M $180,680
    FirstBank 4775 Front Street Castle Rock, CO 80104 Full Service B&M $134,188
    FirstBank 4925 North 20th Street Phoenix, AZ 85016 Full Service B&M $80,602
    FirstBank 500 S. Mccaslin Blvd Louisville, CO 80027 Full Service B&M $161,707
    FirstBank 5105 South Dtc Parkway Greenwood Village, CO 80111 Full Service B&M $557,713
    FirstBank 5125 South Kipling Street Littleton, CO 80127 Full Service B&M $296,870
    FirstBank 5130 W. 120th Avenue Westminster, CO 80020 Full Service B&M $129,063
    FirstBank 550 South Wadsworth Boulevard Lakewood, CO 80226 Full Service B&M $306,260
    FirstBank 5815 Constitution Avenue Colorado Springs, CO 80915 Full Service B&M $73,973
    FirstBank 5885 West Bell Rd. Glendale, AZ 85308 Full Service B&M $16,661
    FirstBank 600 Broadway Denver, CO 80203 Full Service B&M $28,605
    FirstBank 601 East Hopkins Avenue, Unit 1 Aspen, CO 81611 Full Service B&M $42,828
    FirstBank 6080 Firestone Boulevard Firestone, CO 80504 Full Service B&M $63,579
    FirstBank 6350 Sheridan Blvd. Arvada, CO 80003 Full Service Retail $25,528
    FirstBank 6355 Ward Road Arvada, CO 80004 Full Service B&M $401,353
    FirstBank 6440 South Higley Road Gilbert, AZ 85298 Full Service B&M $39,715
    FirstBank 6500 Lookout Road Boulder, CO 80301 Full Service B&M $207,286
    FirstBank 6701 South Wadsworth Littleton, CO 80128 Full Service B&M $344,991
    FirstBank 6715 S Cornerstar Way Aurora, CO 80016 Full Service B&M $39,925
    FirstBank 701 12th Street, Suite 111 Golden, CO 80401 Full Service B&M $31,721
    FirstBank 73-000 Highway 111 Palm Desert, CA 92260 Full Service B&M $168,000
    FirstBank 7590 West Colfax Avenue Lakewood, CO 80215 Full Service B&M $280,541
    FirstBank 7602 East Indian School Road Scottsdale, AZ 85251 Full Service B&M $73,179
    FirstBank 817 Village Center Drive Colorado Springs, CO 80919 Full Service B&M $106,326
    FirstBank 8280 South Holly Street Centennial, CO 80122 Full Service B&M $182,202
    FirstBank 82900 Avenue 42 Indio, CA 92203 Full Service B&M $24,017
    FirstBank 830 South Colorado Boulevard Glendale, CO 80246 Full Service B&M $181,925
    FirstBank 8600 East Arapahoe Road Centennial, CO 80112 Full Service B&M $215,690
    FirstBank 8800 Wadsworth Boulevard Westminster, CO 80021 Full Service B&M $325,673
    FirstBank 8901 East Hampden Avenue Denver, CO 80231 Full Service B&M $168,079
    FirstBank 8922 East Via Linda Scottsdale, AZ 85258 Full Service B&M $50,271
    FirstBank 9217 East Lincoln Avenue Lone Tree, CO 80124 Full Service B&M $108,721
    FirstBank 9409 South University Boulevard Highlands Ranch, CO 80126 Full Service B&M $185,642
    FirstBank 960 N.Ten Mile Drive Frisco, CO 80443 Full Service B&M $58,324

    For 2018, Firstbank had 118 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $689,856
    Net interest income $630,106
    Total noninterest income $134,245
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $49,052
    Trading account gains and fees $0
    Additional Noninterest Income $85,193
    Pre-tax net operating income $382,443
    Securities gains (or losses, -) $-117
    Income before extraordinary items $302,066
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $302,066
    Minority interest net income $0
    Net income $302,066
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $302,158

    Firstbank's gross interest income from loans was $689,856,000.
    Firstbank's net interest income from loans was $630,106,000.
    Firstbank's fee based income from loans was $49,052,000.
    Firstbank's net income from loans was $302,066,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $59,750
    Provision for credit losses $7,652
    Total noninterest expense $374,256
    Salaries and employee benefits $201,992
    Premises and equipment expense $45,364
    Additional noninterest expense $126,900
    Applicable income taxes $80,260
    Net charge-offs $4,169
    Cash dividends $155,000

    Firstbank's interest expense for loans was $59,750,000.
    Firstbank's payroll and benefits expense were $201,992,000.
    Firstbank's property, plant and equipment expenses $45,364,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.4%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $16,734,767
    Deposits held in domestic offices $16,734,767
    Deposits by Individuals, partnerships, and corporations $16,177,725
    Deposits by U.S. Government $4
    Deposits by States and political subdivisions in the U.S. $557,038
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,994,590
    Demand deposits $1,497,343
    Nontransaction accounts $14,740,177
    Money market deposit accounts (MMDAs) $11,857,646
    Other savings deposits (excluding MMDAs) $1,805,506
    Total time deposits $1,077,026
    Total time and savings deposits $15,237,424
    Noninterest-bearing deposits $1,450,907
    Interest-bearing deposits $15,283,860
    Retail deposits $16,548,623
    IRAs and Keogh plan accounts $271,093
    Brokered deposits $37,025
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $18,510,811
    Cash & Balances due from depository institutions $758,057
    Interest-bearing balances $580,718
    Total securities $6,392,323
    Federal funds sold & reverse repurchase $0
    Net loans and leases $10,691,997
    Loan and leases loss allowance $100,085
    Trading account assets $0
    Bank premises and fixed assets $269,091
    Other real estate owned $1,575
    Goodwill and other intangibles $15,585
    All other assets $382,183

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $18,510,811
    Total Liabilities $16,915,021
    Total deposits $16,734,767
    Interest-bearing deposits $15,283,860
    Deposits held in domestic offices $16,734,767
    % insured (estimated) $74
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $74,035
    Subordinated debt $0
    All other liabilities $106,219

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $10,691,997
    Loan and leases loss allowance $100,085
    Total loans and leases (domestic) $10,792,082
    All real estate loans $10,114,309
    Real estate loans in domestic offices $10,114,309
    Construction and development loans $1,048,435
    Residential 1-4 family construction $293,344
    Other construction, all land development and other land $755,091
    Loans secured by nonfarm nonresidential properties $2,043,346
    Nonfarm nonresidential secured by owner-occupied properties $708,192
    Commercial real estate & other non-farm, non-residential $1,335,154
    Multifamily residential real estate $528,219
    1-4 family residential loans $6,486,913
    Farmland loans $7,396
    Loans held in foreign offices $0
    Farm loans $30
    Commercial and industrial loans $177,544
    To non-U.S. addressees $0
    Loans to individuals $90,356
    Credit card loans $73,449
    Related Plans $14,784
    Consumer Auto Loans $54
    Other loans to individuals $2,069
    All other loans & leases $409,844
    Loans to foreign governments and official institutions $0
    Other loans $14,742
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $12,862
    Loans secured by real estate to non-U.S. addressees $157,930
    Restructured Loans & leases $12,427
    Non 1-4 family restructured loans & leases $4,375
    Total loans and leases (foreign) $0

    FirstBank had $10,691,997,000 of loans outstanding in 2018. $10,114,309,000 of loans were in real estate loans. $1,048,435,000 of loans were in development loans. $528,219,000 of loans were in multifamily mortgage loans. $6,486,913,000 of loans were in 1-4 family mortgage loans. $30,000 of loans were in farm loans. $73,449,000 of loans were in credit card loans. $54,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 1,510 $455,753 $301,823
    Nonfarm, nonresidential loans - <$100k 196 $10,119 $51,628
    Nonfarm, nonresidential loans - $100-250k 418 $59,074 $141,325
    Nonfarm, nonresidential loans - $250k-1MM 896 $386,560 $431,429
    Commercial & Industrial, US addressed loans - <$1MM 7,238 $107,590 $14,865
    Commercial & Industrial, US addressed loans - <$100k 6,787 $28,766 $4,238
    Commercial & Industrial, US addressed loans - $100-250k 281 $30,995 $110,302
    Commercial & Industrial, US addressed loans - $250k-1MM 170 $47,829 $281,347
    Farmland loans - <$1MM 5 $496 $99,200
    Farmland loans - <$100k 1 $40 $40,000
    Farmland loans - $100-250k 2 $216 $108,000
    Farmland loans - $250k-1MM 2 $240 $120,000
    Agriculture operations loans - <$1MM 1 $30 $30,000
    Agriculture operations loans - <$100k 1 $30 $30,000