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, Boulder, Edwards, Phoenix, and Fort Collins among others. We have data for 24 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% 11/21/24
    30 Year Conventional Purchase 6.41% 11/21/24
    30 Year Conventional Refi 6.47% 11/21/24
    30 Year Cash-out Refi 6.36% 11/21/24
    30 Year FHA Purchase 6.85% 11/21/24
    15 Year Conventional Purchase 5.73% 11/21/24
    15 Year Conventional Refi 5.82% 11/21/24
    15 Year Cash-out Refi 5.82% 11/21/24
    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

    7,885

    Origination Dollar Volume (All Markets)

    $2,597,205,000

    Employee count

    2,787 Show all (10) 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) 4,309 $1,281,845,000 $297,481 $3,539 4.65%
    BOULDER, CO (FHA|USDA|VA) 430 $254,420,000 $591,674 $4,155 4.60%
    Edwards, CO (FHA|USDA|VA) 448 $211,840,000 $472,857 $3,411 4.26%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 574 $200,190,000 $348,763 $3,747 4.46%
    FORT COLLINS, CO (FHA|USDA|VA) 633 $173,525,000 $274,131 $3,889 4.60%
    Breckenridge, CO (FHA|USDA|VA) 300 $125,340,000 $417,800 $4,376 4.25%
    GREELEY, CO (FHA|USDA|VA) 508 $99,840,000 $196,535 $3,477 4.66%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 359 $91,215,000 $254,081 $2,917 4.56%
    Glenwood Springs, CO (FHA|USDA|VA) 96 $72,300,000 $753,125 $4,696 4.15%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 119 $44,405,000 $373,151 $4,598 4.30%
    Outside of Metro Areas 69 $25,545,000 $370,217 $3,900 4.32%
    Steamboat Springs, CO (FHA|USDA|VA) 12 $7,650,000 $637,500 $4,341 3.57%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 3 $1,685,000 $561,667 $3,745 4.54%
    PUEBLO, CO (FHA|USDA|VA) 7 $1,625,000 $232,143 $2,640 4.66%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $1,300,000 $650,000 $3,700 3.25%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $1,100,000 $550,000 $6,571 4.19%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $735,000 $735,000 $5,899 3.38%
    Montrose, CO (FHA|USDA|VA) 2 $660,000 $330,000 $3,085 3.50%
    TUCSON, AZ (FHA|USDA|VA) 4 $650,000 $162,500 $2,671 4.06%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1 $455,000 $455,000 $8,715 3.50%
    Show Low, AZ (FHA|USDA|VA) 2 $360,000 $180,000 $0 4.06%
    Fort Morgan, CO (FHA|USDA|VA) 2 $280,000 $140,000 $2,222 3.88%
    Durango, CO (FHA|USDA|VA) 1 $145,000 $145,000 $3,094 4.00%
    Sterling, CO (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.88%
    Firstbank's top markets include Denver, Boulder, Edwards, Phoenix, and Fort Collins among others.

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

    ARAPAHOE CREDIT UNION
    Similarity Rank: 256
    The District Federal Credit Union
    Similarity Rank: 372
    DENVER COMMUNITY
    Similarity Rank: 480
    LBS FINANCIAL
    Similarity Rank: 630
    PRIORITY HOME MORTGAGE, L.P.
    Similarity Rank: 735
    Los Angeles Federal Credit Union
    Similarity Rank: 774
    Deer Valley Credit Union
    Similarity Rank: 820
    FRONTWAVE
    Similarity Rank: 912
    ALTURA
    Similarity Rank: 1008
    FOOTHILL FEDERAL CREDIT UNION
    Similarity Rank: 1064

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,750 $2,312,290,000 $402,137 $3,637 4.17%
    HELOC 2,127 $283,225,000 $133,157 n/a 5.67%
    FHA 8 $1,690,000 $211,250 $7,361 4.09%

    For 2019, Firstbank's most frequently originated type of loan was Conventional, with 5,750 originations. Their 2nd most popular type was HELOC, with 2,127 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,349 $1,574,795,000 $470,228 $4,505 4.33%
    Refi 2,203 $771,365,000 $350,143 $3,890 4.21%
    Home Improvement 1,303 $108,575,000 $83,327 $518 5.49%
    Other 801 $85,225,000 $106,398 $924 5.29%
    Cash Out Refi 229 $57,245,000 $249,978 $4,814 3.94%

    For 2019, Firstbank's most frequently cited loan purpose was Home Purchase, with 3,349 originations. The 2nd most popular reason was Refi, with 2,203 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,725 $1,488,945,000 $399,717 $4,586 3.94%
    10 Year 2,248 $430,700,000 $191,593 $634 5.37%
    15 Year 775 $242,075,000 $312,355 $4,022 3.73%
    5 Year 537 $80,755,000 $150,382 $272 5.50%
    Other 296 $218,860,000 $739,392 $2,083 5.45%
    3 Year 161 $37,905,000 $235,435 $0 6.64%
    1 Year 96 $46,050,000 $479,688 $7,666 6.22%
    20 Year 47 $51,915,000 $1,104,574 $5,090 3.86%

    For 2019, Firstbank's most frequently cited loan duration was 30 Year, with 3,725 originations. The 2nd most popular length was 10 Year, with 2,248 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,087 $668,105,000 $320,127
    $1k-2k 425 $133,565,000 $314,271
    $3k-4k 357 $103,335,000 $289,454
    $2k-3k 345 $80,465,000 $233,232
    $5k+ 309 $179,395,000 $580,566
    $4k-5k 246 $90,950,000 $369,715

    Firstbank's average total fees were $4,586, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,087 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,950 $1,293,310,000 $438,410
    4-5% 2,402 $815,400,000 $339,467
    5-6% 1,621 $334,725,000 $206,493
    6-7% 658 $81,570,000 $123,967
    2.5-3% 125 $55,875,000 $447,000
    7-8% 115 $15,615,000 $135,783
    Over 8% 13 $675,000 $51,923
    <2.5% 1 $35,000 $35,000

    During 2019, Firstbank's average interest rate for loans was 3.94%, while their most frequently originated rate bucket for loans was 3-4%, with 2,950 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,352 $669,410,000 $284,613 $4,526 4.20%
    $100,000 or less 1,968 $96,210,000 $48,887 $495 5.33%
    $100k-200k 1,784 $248,400,000 $139,238 $3,305 4.76%
    $400k-600k 938 $453,180,000 $483,134 $4,857 4.10%
    $600k-1MM 556 $415,790,000 $747,824 $5,113 3.95%
    $1MM+ 287 $714,215,000 $2,488,554 $6,420 4.05%

    2019 saw Firstbank place emphasis on $200k-400k loans with 2,352 originations, totaling $669,410,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,381 $289,215,000 $209,424 $3,502 4.65%
    $150k-250k 1,350 $390,420,000 $289,200 $3,886 4.64%
    $250k+ 1,114 $514,920,000 $462,226 $4,473 4.51%
    $50k-75k 911 $150,405,000 $165,099 $3,496 4.40%
    $75k-100k 809 $151,695,000 $187,509 $3,484 4.61%
    $50k or less 589 $83,285,000 $141,401 $2,763 4.33%

    Firstbank lent most frequently to those with incomes in the $100k-150k range, with 1,381 originations. The second most popular income band? $150k-250k, with 1,350 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,328 $308,830,000 $232,553 $3,492 4.52%
    50-60% 1,080 $348,090,000 $322,306 $3,912 4.61%
    30-36% 1,015 $239,475,000 $235,936 $3,426 4.57%
    >60% 753 $302,915,000 $402,278 $4,248 4.52%
    <20% 582 $176,690,000 $303,591 $3,678 4.43%
    44% 223 $58,505,000 $262,354 $3,335 4.56%
    42% 211 $47,435,000 $224,810 $3,788 4.50%
    40% 207 $52,265,000 $252,488 $3,438 4.62%
    45% 205 $50,745,000 $247,537 $3,399 4.55%
    38% 202 $52,290,000 $258,861 $3,333 4.47%
    37% 193 $46,575,000 $241,321 $3,981 4.36%
    49% 182 $52,230,000 $286,978 $3,824 4.51%
    39% 179 $39,285,000 $219,469 $3,307 4.56%
    36% 167 $39,295,000 $235,299 $3,465 4.45%
    41% 163 $36,985,000 $226,902 $3,428 4.47%
    43% 162 $44,920,000 $277,284 $3,657 4.42%
    46% 153 $48,675,000 $318,137 $4,566 4.52%
    47% 150 $40,820,000 $272,133 $3,612 4.53%
    48% 146 $41,530,000 $284,452 $3,655 4.65%

    Firstbank lent most frequently to those with DTI ratios of 20-30%, with 1,328 originations. The next most common DTI ratio? 50-60%, with 1,080 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,903 $1,251,015,000 $255,153 $3,566 4.57%
    Not applicable 1,710 $1,005,190,000 $587,830 $4,126 4.65%
    Not provided 803 $223,715,000 $278,599 $3,690 4.54%
    Asian 307 $82,715,000 $269,430 $4,235 4.18%
    Black 70 $15,130,000 $216,143 $3,786 4.83%
    American Indian 54 $10,470,000 $193,889 $3,481 4.38%
    Asian Indian 9 $2,895,000 $321,667 $6,522 4.57%
    Chinese 7 $1,905,000 $272,143 $5,014 4.02%
    Other Asian 7 $1,245,000 $177,857 $2,414 5.43%
    Japanese 3 $1,035,000 $345,000 $4,056 4.38%
    Native Hawaiian or Islander 6 $660,000 $110,000 $1,884 4.42%
    Filipino 3 $585,000 $195,000 $2,855 4.42%
    Vietnamese 2 $540,000 $270,000 $3,713 3.38%
    Korean 1 $105,000 $105,000 $0 5.50%

    Approval Rates

    Total approvals of all applications
    89.97%

    Firstbank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    77.97%

    Firstbank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 7,885 $2,597,205,000 $329,386

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 148 $412,070,000 $2,784,257
    Single Family (1-4 Units):Manufactured 31 $5,895,000 $190,161
    Single Family (1-4 Units):Site-Built 7,706 $2,179,240,000 $282,798

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,111 $258,445,000 $232,624 $3,283 4.83%
    40-60% 1,064 $470,310,000 $442,021 $4,568 4.16%
    60-80% 2,820 $1,322,640,000 $469,021 $4,730 4.11%
    80-100% 743 $336,995,000 $453,560 $4,526 4.10%
    Over 100% 6 $64,110,000 $10,685,000 $0 4.71%
    Under 20% 2,141 $144,705,000 $67,588 $425 5.42%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    FIRSTBANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    FirstBank 0011 West Beaver Creek Boulevard Avon, CO 81620 Full Service B&M $307,084
    FirstBank 100 South College Avenue Fort Collins, CO 80524 Full Service B&M $38,558
    FirstBank 100 St. Paul Street, Suite 100 Denver, CO 80206 Full Service B&M $571,674
    FirstBank 101 West County Line Road Littleton, CO 80129 Full Service B&M $277,461
    FirstBank 1010 West Baptist Road Colorado Springs, CO 80921 Full Service B&M $78,422
    FirstBank 1013 East Harmony Road Fort Collins, CO 80525 Full Service B&M $265,122
    FirstBank 10367 Federal Boulevard Westminster, CO 80260 Full Service B&M $144,689
    FirstBank 10403 West Colfax Avenue Lakewood, CO 80215 Full Service B&M $1,156,519
    FirstBank 105 Edwards Village Blvd. Edwards, CO 81632 Full Service B&M $91,033
    FirstBank 10961 South Parker Road Parker, CO 80134 Full Service B&M $177,097
    FirstBank 11695 Meridian Market View Road Peyton, CO 80831 Full Service B&M $26,083
    FirstBank 11767 West Ken Caryl Avenue Littleton, CO 80127 Full Service B&M $188,140
    FirstBank 1190 U.S. Highway 287 Broomfield, CO 80020 Full Service B&M $70,289
    FirstBank 1200 17th Street, Suite 100 Denver, CO 80202 Full Service B&M $272,443
    FirstBank 12345 W Colfax Ave Lakewood, CO 80215 Full Service Cyber Office $2,653
    FirstBank 1270 South Hover Road Longmont, CO 80501 Full Service B&M $211,206
    FirstBank 1275 Garden Of The Gods Road Colorado Springs, CO 80907 Full Service B&M $86,155
    FirstBank 1316 East Evans Avenue Denver, CO 80210 Full Service B&M $105,787
    FirstBank 13300 East Colfax Avenue Aurora, CO 80011 Full Service B&M $37,535
    FirstBank 1352 West Eisenhower Boulevard Loveland, CO 80537 Full Service B&M $198,687
    FirstBank 13600 Colorado Boulevard Thornton, CO 80602 Full Service B&M $114,474
    FirstBank 14185 West Colfax Drive Golden, CO 80401 Full Service B&M $82,557
    FirstBank 1510 Main Street Windsor, CO 80550 Full Service B&M $77,601
    FirstBank 15250 East 104th Avenue Commerce City, CO 80022 Full Service B&M $33,075
    FirstBank 15250 East Mississippi Avenue Aurora, CO 80012 Full Service Retail $38,273
    FirstBank 15250 West 64th Avenue Arvada, CO 80007 Full Service B&M $143,495
    FirstBank 1550 North Gilbert Road Gilbert, AZ 85234 Full Service B&M $39,553
    FirstBank 1559 N. Litchfield Road Goodyear, AZ 85395 Full Service B&M $30,550
    FirstBank 160 Us Highway 6 Silverthorne, CO 80498 Full Service B&M $199,197
    FirstBank 1617 E. Colfax Avenue Denver, CO 80218 Full Service B&M $118,635
    FirstBank 16530 Keystone Blvd. Parker, CO 80134 Full Service B&M $91,987
    FirstBank 17 Vail Road Vail, CO 81657 Full Service B&M $351,008
    FirstBank 17063 West Greenway Road Surprise, AZ 85388 Full Service B&M $19,622
    FirstBank 1707 North Main Street Longmont, CO 80501 Full Service B&M $345,503
    FirstBank 1720 South Power Road Mesa, AZ 85206 Full Service B&M $12,138
    FirstBank 1777 16th Street Denver, CO 80202 Full Service B&M $50,963
    FirstBank 1779 Highway 7 Erie, CO 80516 Full Service B&M $52,238
    FirstBank 1849 West Glendale Avenue Phoenix, AZ 85021 Full Service B&M $8,123
    FirstBank 18521 Green Valley Ranch Blvd Denver, CO 80249 Full Service B&M $70,116
    FirstBank 18600 East Hampden Avenue Aurora, CO 80013 Full Service B&M $79,491
    FirstBank 19309 North R. H. Johnson Blvd Sun City, AZ 85375 Full Service B&M $20,075
    FirstBank 1940 South Kipling Parkway Lakewood, CO 80227 Full Service B&M $238,497
    FirstBank 19771 East Smoky Hill Road Centennial, CO 80015 Full Service B&M $223,111
    FirstBank 2 North Cascade Avenue, Suite 130 Colorado Springs, CO 80903 Full Service B&M $131,646
    FirstBank 2 Plum Creek Parkway Castle Rock, CO 80104 Full Service B&M $328,010
    FirstBank 200 Ski Hill Road Breckenridge, CO 80424 Full Service B&M $240,437
    FirstBank 2014 Grand Avenue Glenwood Springs, CO 81601 Full Service B&M $80,252
    FirstBank 2020 South Alma School Road Chandler, AZ 85286 Full Service B&M $63,177
    FirstBank 2025 N. Alma School Road Chandler, AZ 85224 Full Service B&M $38,036
    FirstBank 2100 N Broadway Street Boulder, CO 80302 Full Service B&M $105,851
    FirstBank 2155 West 136th Avenue Broomfield, CO 80023 Full Service B&M $46,352
    FirstBank 2219 W. Wildcat Reserve Parkway Highlands Ranch, CO 80129 Full Service B&M $133,404
    FirstBank 2271 North Frontage Road West Vail, CO 81657 Full Service B&M $48,421
    FirstBank 2300 South Havana Street Aurora, CO 80014 Full Service B&M $258,894
    FirstBank 2315 S. College Avenue Fort Collins, CO 80525 Full Service B&M $98,531
    FirstBank 2323 East Arapahoe Road Centennial, CO 80122 Full Service B&M $164,028
    FirstBank 23399 North Scottsdale Road, Suite E101 Scottsdale, AZ 85255 Full Service B&M $23,646
    FirstBank 25 Market Street Eagle, CO 81631 Full Service B&M $89,777
    FirstBank 25541 East Smoky Hill Road Aurora, CO 80016 Full Service B&M $42,614
    FirstBank 25617 Conifer Road Conifer, CO 80433 Full Service B&M $86,153
    FirstBank 264 Union Blvd. Lakewood, CO 80228 Full Service Retail $95,443
    FirstBank 2644 South Timberline Road Fort Collins, CO 80525 Full Service B&M $82,375
    FirstBank 2740 So. Colorado Blvd. Denver, CO 80222 Full Service B&M $160,973
    FirstBank 275 S Federal Blvd Denver, CO 80219 Full Service B&M $29,714
    FirstBank 2790 Briargate Boulevard Colorado Springs, CO 80920 Full Service B&M $76,762
    FirstBank 2835 Pearl Street, Suite A Boulder, CO 80301 Full Service B&M $120,641
    FirstBank 2850 Quebec Street Denver, CO 80207 Full Service B&M $143,713
    FirstBank 2901 23rd Avenue Greeley, CO 80631 Full Service B&M $72,778
    FirstBank 29240 Us Hwy 40 & El Rancho Exit Evergreen, CO 80439 Full Service B&M $71,345
    FirstBank 30770 Stagecoach Boulevard Evergreen, CO 80439 Full Service B&M $140,655
    FirstBank 3190 Youngfield Street Wheat Ridge, CO 80215 Full Service B&M $94,133
    FirstBank 3500 South Wadsworth Boulevard Lakewood, CO 80235 Full Service B&M $221,956
    FirstBank 3594 South Logan Street Englewood, CO 80113 Full Service B&M $20,646
    FirstBank 36 North 50th Avenue Lakewood, CO 80215 Full Service B&M $33,176
    FirstBank 370 17th Street Denver, CO 80202 Full Service B&M $338,804
    FirstBank 3801 Federal Blvd Denver, CO 80211 Full Service B&M $46,651
    FirstBank 3945 East Chandler Blvd. Phoenix, AZ 85048 Full Service B&M $23,951
    FirstBank 39580 Washington Street Palm Desert, CA 92211 Full Service B&M $79,252
    FirstBank 3990 East 104th Avenue Thornton, CO 80233 Full Service B&M $92,319
    FirstBank 405 East Cheyenne Mountain Blvd Colorado Springs, CO 80906 Full Service B&M $58,651
    FirstBank 410 East Bromley Lane Brighton, CO 80601 Full Service B&M $246,219
    FirstBank 42-035 Washington Street Palm Desert, CA 92211 Full Service B&M $134,074
    FirstBank 4322 West 9th Street Rd Greeley, CO 80634 Full Service B&M $80,671
    FirstBank 4350 Wadsworth Boulevard Wheat Ridge, CO 80033 Full Service B&M $499,084
    FirstBank 4770 Baseline Road, Suite 100 Boulder, CO 80303 Full Service B&M $226,135
    FirstBank 4775 Front Street Castle Rock, CO 80104 Full Service B&M $134,639
    FirstBank 4925 North 20th Street Phoenix, AZ 85016 Full Service B&M $85,118
    FirstBank 500 S. Mccaslin Blvd Louisville, CO 80027 Full Service B&M $170,004
    FirstBank 5105 South Dtc Parkway Greenwood Village, CO 80111 Full Service B&M $560,929
    FirstBank 5125 South Kipling Street Littleton, CO 80127 Full Service B&M $317,923
    FirstBank 5130 W. 120th Avenue Westminster, CO 80020 Full Service B&M $129,369
    FirstBank 550 South Wadsworth Boulevard Lakewood, CO 80226 Full Service B&M $312,373
    FirstBank 5815 Constitution Avenue Colorado Springs, CO 80915 Full Service B&M $86,033
    FirstBank 5885 West Bell Rd. Glendale, AZ 85308 Full Service B&M $17,261
    FirstBank 600 Broadway Denver, CO 80203 Full Service B&M $35,619
    FirstBank 601 East Hopkins Avenue, Unit 1 Aspen, CO 81611 Full Service B&M $50,840
    FirstBank 6080 Firestone Boulevard Firestone, CO 80504 Full Service B&M $70,690
    FirstBank 6350 Sheridan Blvd. Arvada, CO 80003 Full Service Retail $26,719
    FirstBank 6355 Ward Road Arvada, CO 80004 Full Service B&M $451,400
    FirstBank 6440 South Higley Road Gilbert, AZ 85298 Full Service B&M $41,245
    FirstBank 6500 Lookout Road Boulder, CO 80301 Full Service B&M $228,567
    FirstBank 6701 South Wadsworth Littleton, CO 80128 Full Service B&M $339,132
    FirstBank 6715 S Cornerstar Way Aurora, CO 80016 Full Service B&M $48,531
    FirstBank 701 12th Street, Suite 111 Golden, CO 80401 Full Service B&M $37,767
    FirstBank 73-000 Highway 111 Palm Desert, CA 92260 Full Service B&M $172,823
    FirstBank 7590 West Colfax Avenue Lakewood, CO 80215 Full Service B&M $329,321
    FirstBank 7602 East Indian School Road Scottsdale, AZ 85251 Full Service B&M $84,502
    FirstBank 817 Village Center Drive Colorado Springs, CO 80919 Full Service B&M $113,386
    FirstBank 8280 South Holly Street Centennial, CO 80122 Full Service B&M $196,701
    FirstBank 82900 Avenue 42 Indio, CA 92203 Full Service B&M $30,093
    FirstBank 830 South Colorado Boulevard Glendale, CO 80246 Full Service B&M $186,507
    FirstBank 8600 East Arapahoe Road Centennial, CO 80112 Full Service B&M $217,328
    FirstBank 8800 Wadsworth Boulevard Westminster, CO 80021 Full Service B&M $334,705
    FirstBank 8901 East Hampden Avenue Denver, CO 80231 Full Service B&M $174,930
    FirstBank 8922 East Via Linda Scottsdale, AZ 85258 Full Service B&M $52,970
    FirstBank 9217 East Lincoln Avenue Lone Tree, CO 80124 Full Service B&M $113,943
    FirstBank 9409 South University Boulevard Highlands Ranch, CO 80126 Full Service B&M $189,018
    FirstBank 960 N.Ten Mile Drive Frisco, CO 80443 Full Service B&M $54,757

    For 2019, Firstbank had 118 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $744,866
    Net interest income $654,585
    Total noninterest income $133,454
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $51,510
    Trading account gains and fees $0
    Additional Noninterest Income $81,944
    Pre-tax net operating income $380,956
    Securities gains (or losses, -) $146
    Income before extraordinary items $301,019
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $301,019
    Minority interest net income $0
    Net income $301,019
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $300,903

    Firstbank's gross interest income from loans was $744,866,000.
    Firstbank's net interest income from loans was $654,585,000.
    Firstbank's fee based income from loans was $51,510,000.
    Firstbank's net income from loans was $301,019,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $90,281
    Provision for credit losses $12,567
    Total noninterest expense $394,516
    Salaries and employee benefits $220,184
    Premises and equipment expense $45,628
    Additional noninterest expense $128,704
    Applicable income taxes $80,083
    Net charge-offs $3,560
    Cash dividends $200,500

    Firstbank's interest expense for loans was $90,281,000.
    Firstbank's payroll and benefits expense were $220,184,000.
    Firstbank's property, plant and equipment expenses $45,628,000.

    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 0.3%
    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 $18,005,145
    Deposits held in domestic offices $18,005,145
    Deposits by Individuals, partnerships, and corporations $17,355,168
    Deposits by U.S. Government $4
    Deposits by States and political subdivisions in the U.S. $649,973
    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 $2,204,417
    Demand deposits $1,658,247
    Nontransaction accounts $15,800,728
    Money market deposit accounts (MMDAs) $12,344,927
    Other savings deposits (excluding MMDAs) $1,829,166
    Total time deposits $1,626,636
    Total time and savings deposits $16,346,898
    Noninterest-bearing deposits $1,606,800
    Interest-bearing deposits $16,398,345
    Retail deposits $17,520,381
    IRAs and Keogh plan accounts $278,314
    Brokered deposits $37,553
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $19,904,290
    Cash & Balances due from depository institutions $1,314,912
    Interest-bearing balances $1,127,543
    Total securities $6,421,286
    Federal funds sold & reverse repurchase $0
    Net loans and leases $11,409,222
    Loan and leases loss allowance $109,093
    Trading account assets $0
    Bank premises and fixed assets $270,289
    Other real estate owned $1,124
    Goodwill and other intangibles $14,505
    All other assets $472,952

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $19,904,290
    Total Liabilities $18,192,675
    Total deposits $18,005,145
    Interest-bearing deposits $16,398,345
    Deposits held in domestic offices $18,005,145
    % insured (estimated) $73
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $76,829
    Subordinated debt $0
    All other liabilities $110,701

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $11,409,222
    Loan and leases loss allowance $109,093
    Total loans and leases (domestic) $11,518,315
    All real estate loans $10,711,678
    Real estate loans in domestic offices $10,711,678
    Construction and development loans $945,839
    Residential 1-4 family construction $291,160
    Other construction, all land development and other land $654,679
    Loans secured by nonfarm nonresidential properties $2,383,488
    Nonfarm nonresidential secured by owner-occupied properties $775,034
    Commercial real estate & other non-farm, non-residential $1,608,454
    Multifamily residential real estate $606,386
    1-4 family residential loans $6,769,405
    Farmland loans $6,560
    Loans held in foreign offices $0
    Farm loans $22
    Commercial and industrial loans $188,591
    To non-U.S. addressees $0
    Loans to individuals $87,396
    Credit card loans $71,287
    Related Plans $14,416
    Consumer Auto Loans $9
    Other loans to individuals $1,684
    All other loans & leases $530,629
    Loans to foreign governments and official institutions $0
    Other loans $17,996
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $11,516
    Loans secured by real estate to non-U.S. addressees $144,344
    Restructured Loans & leases $11,374
    Non 1-4 family restructured loans & leases $3,345
    Total loans and leases (foreign) $0

    FirstBank had $11,409,222,000 of loans outstanding in 2019. $10,711,678,000 of loans were in real estate loans. $945,839,000 of loans were in development loans. $606,386,000 of loans were in multifamily mortgage loans. $6,769,405,000 of loans were in 1-4 family mortgage loans. $22,000 of loans were in farm loans. $71,287,000 of loans were in credit card loans. $9,000 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 1,554 $487,767 $313,878
    Nonfarm, nonresidential loans - <$100k 175 $9,028 $51,589
    Nonfarm, nonresidential loans - $100-250k 423 $59,367 $140,348
    Nonfarm, nonresidential loans - $250k-1MM 956 $419,372 $438,674
    Commercial & Industrial, US addressed loans - <$1MM 7,176 $113,275 $15,785
    Commercial & Industrial, US addressed loans - <$100k 6,689 $33,247 $4,970
    Commercial & Industrial, US addressed loans - $100-250k 309 $31,783 $102,858
    Commercial & Industrial, US addressed loans - $250k-1MM 178 $48,245 $271,039
    Farmland loans - <$1MM 6 $665 $110,833
    Farmland loans - <$100k 1 $19 $19,000
    Farmland loans - $100-250k 2 $200 $100,000
    Farmland loans - $250k-1MM 3 $446 $148,667
    Agriculture operations loans - <$1MM 1 $22 $22,000
    Agriculture operations loans - <$100k 1 $22 $22,000