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 mid-sized 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, Edwards, Phoenix, Boulder, and Fort Collins among others. We have data for 26 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Firstbank has an above 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 an average 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

    8,990

    Origination Dollar Volume (All Markets)

    $3,316,370,000

    Employee count

    2,634

    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) 4,800 $1,659,410,000 $345,710 $4,434 3.75%
    Edwards, CO (FHA|USDA|VA) 530 $311,170,000 $587,113 $4,212 3.53%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 699 $269,605,000 $385,701 $4,179 3.74%
    BOULDER, CO (FHA|USDA|VA) 528 $248,950,000 $471,496 $4,726 3.71%
    FORT COLLINS, CO (FHA|USDA|VA) 745 $230,755,000 $309,738 $4,103 3.75%
    Breckenridge, CO (FHA|USDA|VA) 330 $158,100,000 $479,091 $4,387 3.58%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 451 $141,375,000 $313,470 $3,821 3.77%
    GREELEY, CO (FHA|USDA|VA) 500 $125,860,000 $251,720 $4,066 3.72%
    Glenwood Springs, CO (FHA|USDA|VA) 108 $62,950,000 $582,870 $5,600 3.49%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 151 $50,535,000 $334,669 $3,966 3.60%
    Outside of Metro Areas 87 $33,115,000 $380,632 $4,489 3.63%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 4 $4,360,000 $1,090,000 $2,201 3.31%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 6 $3,200,000 $533,333 $7,364 3.88%
    Steamboat Springs, CO (FHA|USDA|VA) 11 $3,135,000 $285,000 $6,351 3.47%
    TUCSON, AZ (FHA|USDA|VA) 4 $2,760,000 $690,000 $4,670 3.41%
    GRAND JUNCTION, CO (FHA|USDA|VA) 7 $2,735,000 $390,714 $4,273 3.50%
    PUEBLO, CO (FHA|USDA|VA) 8 $2,200,000 $275,000 $3,505 3.87%
    FLAGSTAFF, AZ (FHA|USDA|VA) 3 $1,575,000 $525,000 $5,868 3.38%
    Show Low, AZ (FHA|USDA|VA) 5 $1,015,000 $203,000 $2,859 3.63%
    Payson, AZ (FHA|USDA|VA) 2 $870,000 $435,000 $6,020 3.06%
    Cañon City, CO (FHA|USDA|VA) 4 $670,000 $167,500 $4,396 3.97%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $665,000 $665,000 $5,043 3.13%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $385,000 $385,000 $0 4.38%
    Durango, CO (FHA|USDA|VA) 1 $345,000 $345,000 $6,469 3.00%
    Montrose, CO (FHA|USDA|VA) 2 $340,000 $170,000 $2,661 3.56%
    FRESNO, CA (FHA|USDA|VA) 2 $290,000 $145,000 $0 4.25%
    Firstbank's top markets include Denver, Edwards, Phoenix, Boulder, 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.

    Chaffey Federal Credit Union
    Similarity Rank: 345
    The District Federal Credit Union
    Similarity Rank: 441
    BOURNS EMPLOYEES FEDERAL CREDIT UNION
    Similarity Rank: 486
    ALTURA
    Similarity Rank: 628
    DENVER COMMUNITY
    Similarity Rank: 732
    United Fidelity Bank, fsb
    Similarity Rank: 792
    AVENTA Credit Union
    Similarity Rank: 915
    First Credit Union
    Similarity Rank: 1034
    LANDED HOME LOANS LLC
    Similarity Rank: 1040
    ARIZONA CENTRAL
    Similarity Rank: 1056

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 6,797 $2,991,525,000 $440,124 $4,335 3.52%
    HELOC 2,177 $320,265,000 $147,113 n/a 4.35%
    FHA 16 $4,580,000 $286,250 $9,753 3.24%

    For 2020, Firstbank's most frequently originated type of loan was Conventional, with 6,797 originations. Their 2nd most popular type was HELOC, with 2,177 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,336 $1,587,680,000 $475,923 $4,983 3.67%
    Refi 3,318 $1,371,450,000 $413,336 $4,376 3.45%
    Home Improvement 1,269 $164,805,000 $129,870 $930 4.30%
    Other 776 $111,290,000 $143,415 $1,639 4.31%
    Cash Out Refi 291 $81,145,000 $278,849 $5,157 3.35%

    For 2020, Firstbank's most frequently cited loan purpose was Home Purchase, with 3,336 originations. The 2nd most popular reason was Refi, with 3,318 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,325 $1,993,535,000 $460,933 $5,096 3.48%
    10 Year 2,348 $606,240,000 $258,194 $1,447 4.23%
    15 Year 1,436 $405,100,000 $282,103 $3,865 3.24%
    5 Year 269 $62,635,000 $232,844 $248 4.60%
    Other 240 $151,250,000 $630,208 $1,945 4.32%
    3 Year 189 $38,825,000 $205,423 $3,307 4.54%
    20 Year 96 $24,610,000 $256,354 $4,903 3.05%
    1 Year 87 $34,175,000 $392,816 $5,539 4.61%

    For 2020, Firstbank's most frequently cited loan duration was 30 Year, with 4,325 originations. The 2nd most popular length was 10 Year, with 2,348 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,181 $925,115,000 $424,170
    $5k+ 593 $391,465,000 $660,143
    $1k-2k 532 $176,330,000 $331,447
    $2k-3k 499 $106,815,000 $214,058
    $3k-4k 478 $131,600,000 $275,314
    $4k-5k 317 $112,975,000 $356,388

    Firstbank's average total fees were $5,096, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,181 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 5,212 $2,332,740,000 $447,571
    4-5% 1,956 $439,990,000 $224,944
    2.5-3% 1,527 $495,765,000 $324,666
    5-6% 172 $25,830,000 $150,174
    <2.5% 80 $17,230,000 $215,375
    6-7% 26 $3,760,000 $144,615
    Over 8% 9 $365,000 $40,556
    7-8% 8 $690,000 $86,250

    During 2020, Firstbank's average interest rate for loans was 3.48%, while their most frequently originated rate bucket for loans was 3-4%, with 5,212 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,750 $785,100,000 $285,491 $4,557 3.52%
    $100k-200k 2,090 $291,890,000 $139,660 $3,442 3.78%
    $100,000 or less 1,647 $87,565,000 $53,166 $798 4.28%
    $400k-600k 1,184 $572,200,000 $483,277 $5,162 3.51%
    $600k-1MM 817 $620,385,000 $759,345 $5,752 3.52%
    $1MM+ 502 $959,230,000 $1,910,817 $7,598 3.57%

    2020 saw Firstbank place emphasis on $200k-400k loans with 2,750 originations, totaling $785,100,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 1,635 $844,565,000 $516,554 $5,316 3.73%
    $150k-250k 1,598 $514,550,000 $321,996 $4,518 3.77%
    $100k-150k 1,443 $365,325,000 $253,170 $4,283 3.73%
    $50k-75k 986 $186,440,000 $189,087 $4,084 3.50%
    $75k-100k 794 $167,680,000 $211,184 $3,882 3.66%
    $50k or less 617 $105,075,000 $170,300 $3,270 3.44%

    Firstbank lent most frequently to those with incomes in the $250k+ range, with 1,635 originations. The second most popular income band? $150k-250k, with 1,598 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,661 $477,415,000 $287,426 $4,112 3.63%
    30-36% 1,126 $348,190,000 $309,227 $4,118 3.63%
    50-60% 1,096 $441,320,000 $402,664 $4,870 3.80%
    <20% 841 $268,475,000 $319,233 $4,229 3.60%
    >60% 831 $359,575,000 $432,702 $5,051 3.80%
    40% 249 $77,035,000 $309,378 $4,056 3.58%
    44% 228 $66,530,000 $291,798 $4,643 3.63%
    48% 226 $69,250,000 $306,416 $4,058 3.85%
    42% 211 $59,105,000 $280,118 $4,251 3.71%
    39% 207 $53,635,000 $259,106 $4,322 3.75%
    36% 206 $58,270,000 $282,864 $4,223 3.68%
    37% 196 $59,210,000 $302,092 $4,311 3.62%
    49% 196 $58,120,000 $296,531 $3,901 3.80%
    43% 190 $50,750,000 $267,105 $4,240 3.68%
    38% 188 $55,070,000 $292,926 $4,139 3.68%
    45% 179 $58,365,000 $326,061 $5,056 3.71%
    41% 178 $58,500,000 $328,652 $4,710 3.57%
    47% 172 $51,970,000 $302,151 $4,014 3.76%
    46% 165 $55,135,000 $334,152 $5,054 3.70%

    Firstbank lent most frequently to those with DTI ratios of 20-30%, with 1,661 originations. The next most common DTI ratio? 30-36%, with 1,126 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,627 $1,741,815,000 $309,546 $4,299 3.68%
    Not applicable 1,855 $1,099,335,000 $592,633 $4,639 3.91%
    Not provided 946 $318,930,000 $337,135 $4,613 3.72%
    Asian 375 $110,245,000 $293,987 $4,649 3.46%
    Black 75 $16,465,000 $219,533 $3,788 3.66%
    American Indian 60 $14,430,000 $240,500 $3,110 3.73%
    Chinese 14 $3,670,000 $262,143 $4,688 3.46%
    Asian Indian 13 $3,085,000 $237,308 $3,001 3.70%
    Japanese 5 $2,595,000 $519,000 $2,596 3.55%
    Filipino 4 $1,230,000 $307,500 $4,378 3.41%
    Other Asian 4 $1,230,000 $307,500 $4,053 3.44%
    Vietnamese 4 $1,140,000 $285,000 $3,538 3.72%
    Native Hawaiian or Islander 3 $735,000 $245,000 $4,694 3.79%
    Other Pacific Islander 3 $635,000 $211,667 $3,214 3.71%
    Samoan 1 $535,000 $535,000 $5,842 3.75%
    Guamanian 1 $295,000 $295,000 $2,962 3.25%

    Approval Rates

    Total approvals of all applications
    91.22%

    Firstbank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    68.82%

    Firstbank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 8,990 $3,316,370,000 $368,895

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 207 $451,085,000 $2,179,155
    Single Family (1-4 Units):Manufactured 45 $7,825,000 $173,889
    Single Family (1-4 Units):Site-Built 8,738 $2,857,460,000 $327,015

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,327 $296,715,000 $223,598 $3,552 3.71%
    40-60% 1,497 $608,275,000 $406,329 $4,686 3.44%
    60-80% 3,432 $1,851,100,000 $539,365 $5,227 3.55%
    80-100% 776 $405,730,000 $522,848 $4,962 3.48%
    Over 100% 1 $135,000 $135,000 $3,491 2.88%
    Under 20% 1,957 $154,415,000 $78,904 $709 4.34%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    FIRSTBANK PUERTO RICO Conventional home mortgage Struggling to pay mortgage 3 15.0%
    FIRSTBANK PUERTO RICO FHA mortgage Struggling to pay mortgage 2 10.0%
    FIRSTBANK PUERTO RICO FHA mortgage Trouble during payment process 2 10.0%
    FIRSTBANK PUERTO RICO Other type of mortgage Closing on a mortgage 1 5.0%
    FIRSTBANK PUERTO RICO Other type of mortgage Incorrect information on your report 1 5.0%
    FIRSTBANK PUERTO RICO Other type of mortgage Struggling to pay mortgage 1 5.0%
    FIRSTBANK PUERTO RICO VA mortgage Struggling to pay mortgage 1 5.0%
    FIRSTBANK PUERTO RICO Conventional home mortgage Trouble during payment process 6 30.0%
    FIRSTBANK PUERTO RICO Conventional home mortgage Closing on a mortgage 2 10.0%
    FIRSTBANK PUERTO RICO FHA mortgage Closing on a mortgage 1 5.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Firstbank 0011 West Beaver Creek Boulevard Avon, CO 81620 Full Service B&M $342,434
    Firstbank 160 Us Highway 6 Silverthorne, CO 80498 Full Service B&M $249,891
    Firstbank 100 South College Avenue Fort Collins, CO 80524 Full Service B&M $52,417
    Firstbank 100 St. Paul Street, Suite 100 Denver, CO 80206 Full Service B&M $571,094
    Firstbank 101 West County Line Road Littleton, CO 80129 Full Service B&M $331,680
    Firstbank 1010 West Baptist Road Colorado Springs, CO 80921 Full Service B&M $91,556
    Firstbank 1013 East Harmony Road Fort Collins, CO 80525 Full Service B&M $334,266
    Firstbank 10367 Federal Boulevard Westminster, CO 80260 Full Service B&M $171,934
    Firstbank 10403 West Colfax Avenue Lakewood, CO 80215 Full Service B&M $1,419,279
    Firstbank 105 Edwards Village Blvd. Edwards, CO 81632 Full Service B&M $113,030
    Firstbank 10961 South Parker Road Parker, CO 80134 Full Service B&M $204,833
    Firstbank 11695 Meridian Market View Road Peyton, CO 80831 Full Service B&M $32,596
    Firstbank 11767 West Ken Caryl Avenue Littleton, CO 80127 Full Service B&M $220,400
    Firstbank 1190 U.S. Highway 287 Broomfield, CO 80020 Full Service B&M $80,494
    Firstbank 1200 17th Street, Suite 100 Denver, CO 80202 Full Service B&M $319,670
    Firstbank 1270 South Hover Road Longmont, CO 80501 Full Service B&M $254,814
    Firstbank 1275 Garden Of The Gods Road Colorado Springs, CO 80907 Full Service B&M $197,862
    Firstbank 1316 East Evans Avenue Denver, CO 80210 Full Service B&M $118,081
    Firstbank 13300 East Colfax Avenue Aurora, CO 80011 Full Service B&M $87,082
    Firstbank 1352 West Eisenhower Boulevard Loveland, CO 80537 Full Service B&M $223,589
    Firstbank 13600 Colorado Boulevard Thornton, CO 80602 Full Service B&M $137,042
    Firstbank 14185 West Colfax Drive Golden, CO 80401 Full Service B&M $95,376
    Firstbank 14827 Candelas Parkway Arvada, CO 80007 Full Service B&M $7,023
    Firstbank 1510 Main Street Windsor, CO 80550 Full Service B&M $95,375
    Firstbank 15250 East 104th Avenue Commerce City, CO 80022 Full Service B&M $41,826
    Firstbank 15250 West 64th Avenue Arvada, CO 80007 Full Service B&M $162,607
    Firstbank 1550 North Gilbert Road Gilbert, AZ 85234 Full Service B&M $88,743
    Firstbank 1559 N. Litchfield Road Goodyear, AZ 85395 Full Service B&M $36,646
    Firstbank 1617 E. Colfax Avenue Denver, CO 80218 Full Service B&M $145,443
    Firstbank 16530 Keystone Blvd. Parker, CO 80134 Full Service B&M $110,405
    Firstbank 17 Vail Road Vail, CO 81657 Full Service B&M $408,685
    Firstbank 17063 West Greenway Road Surprise, AZ 85388 Full Service B&M $21,148
    Firstbank 1707 North Main Street Longmont, CO 80501 Full Service B&M $363,341
    Firstbank 1720 South Power Road Mesa, AZ 85206 Full Service B&M $16,532
    Firstbank 1779 Highway 7 Erie, CO 80516 Full Service B&M $69,981
    Firstbank 1849 West Glendale Avenue Phoenix, AZ 85021 Full Service B&M $9,239
    Firstbank 18521 Green Valley Ranch Blvd Denver, CO 80249 Full Service B&M $90,804
    Firstbank 18600 East Hampden Avenue Aurora, CO 80013 Full Service B&M $97,523
    Firstbank 19309 North R. H. Johnson Blvd Sun City, AZ 85375 Full Service B&M $27,370
    Firstbank 1940 South Kipling Parkway Lakewood, CO 80227 Full Service B&M $274,987
    Firstbank 19771 East Smoky Hill Road Centennial, CO 80015 Full Service B&M $252,040
    Firstbank 2 North Cascade Avenue, Suite 130 Colorado Springs, CO 80903 Full Service B&M $169,502
    Firstbank 2 Plum Creek Parkway Castle Rock, CO 80104 Full Service B&M $381,813
    Firstbank 200 Ski Hill Road Breckenridge, CO 80424 Full Service B&M $284,412
    Firstbank 2014 Grand Avenue Glenwood Springs, CO 81601 Full Service B&M $67,895
    Firstbank 2020 South Alma School Road Chandler, AZ 85286 Full Service B&M $72,000
    Firstbank 2025 N. Alma School Road Chandler, AZ 85224 Full Service B&M $21,202
    Firstbank 2100 N Broadway Street Boulder, CO 80302 Full Service B&M $148,464
    Firstbank 2155 West 136th Avenue Broomfield, CO 80023 Full Service B&M $51,481
    Firstbank 2219 W. Wildcat Reserve Parkway Highlands Ranch, CO 80129 Full Service B&M $156,491
    Firstbank 2271 North Frontage Road West Vail, CO 81657 Full Service B&M $62,224
    Firstbank 2300 South Havana Street Aurora, CO 80014 Full Service B&M $322,360
    Firstbank 2315 S. College Avenue Fort Collins, CO 80525 Full Service B&M $123,352
    Firstbank 2323 East Arapahoe Road Centennial, CO 80122 Full Service B&M $207,239
    Firstbank 23399 North Scottsdale Road, Suite E101 Scottsdale, AZ 85255 Full Service B&M $19,889
    Firstbank 25 Market Street Eagle, CO 81631 Full Service B&M $102,570
    Firstbank 25541 East Smoky Hill Road Aurora, CO 80016 Full Service B&M $52,248
    Firstbank 25617 Conifer Road Conifer, CO 80433 Full Service B&M $103,501
    Firstbank 264 Union Blvd. Lakewood, CO 80228 Full Service Retail $104,424
    Firstbank 2644 South Timberline Road Fort Collins, CO 80525 Full Service B&M $89,817
    Firstbank 2740 So. Colorado Blvd. Denver, CO 80222 Full Service B&M $222,123
    Firstbank 275 S Federal Blvd Denver, CO 80219 Full Service B&M $40,592
    Firstbank 2790 Briargate Boulevard Colorado Springs, CO 80920 Full Service B&M $88,375
    Firstbank 2835 Pearl Street, Suite A Boulder, CO 80301 Full Service B&M $133,198
    Firstbank 2850 Quebec Street Denver, CO 80207 Full Service B&M $173,425
    Firstbank 2901 23rd Avenue Greeley, CO 80631 Full Service B&M $91,197
    Firstbank 30770 Stagecoach Boulevard Evergreen, CO 80439 Full Service B&M $255,542
    Firstbank 3190 Youngfield Street Wheat Ridge, CO 80215 Full Service B&M $99,240
    Firstbank 3500 South Wadsworth Boulevard Lakewood, CO 80235 Full Service B&M $259,157
    Firstbank 3594 South Logan Street Englewood, CO 80113 Full Service B&M $30,634
    Firstbank 36 North 50th Avenue Lakewood, CO 80215 Full Service B&M $74,278
    Firstbank 370 17th Street Denver, CO 80202 Full Service B&M $400,329
    Firstbank 3801 Federal Blvd Denver, CO 80211 Full Service B&M $60,394
    Firstbank 3945 East Chandler Blvd. Phoenix, AZ 85048 Full Service B&M $37,145
    Firstbank 39580 Washington Street Palm Desert, CA 92211 Full Service B&M $91,087
    Firstbank 3990 East 104th Avenue Thornton, CO 80233 Full Service B&M $112,735
    Firstbank 405 East Cheyenne Mountain Blvd Colorado Springs, CO 80906 Full Service B&M $64,277
    Firstbank 410 East Bromley Lane Brighton, CO 80601 Full Service B&M $301,694
    Firstbank 42-035 Washington Street Palm Desert, CA 92211 Full Service B&M $158,913
    Firstbank 4322 West 9th Street Rd Greeley, CO 80634 Full Service B&M $95,541
    Firstbank 4350 Wadsworth Boulevard Wheat Ridge, CO 80033 Full Service B&M $575,556
    Firstbank 4770 Baseline Road, Suite 100 Boulder, CO 80303 Full Service B&M $255,213
    Firstbank 4775 Front Street Castle Rock, CO 80104 Full Service B&M $165,815
    Firstbank 4925 North 20th Street Phoenix, AZ 85016 Full Service B&M $105,853
    Firstbank 500 S. Mccaslin Blvd Louisville, CO 80027 Full Service B&M $208,511
    Firstbank 5105 South Dtc Parkway Greenwood Village, CO 80111 Full Service B&M $650,557
    Firstbank 5125 South Kipling Street Littleton, CO 80127 Full Service B&M $371,345
    Firstbank 5130 W. 120th Avenue Westminster, CO 80020 Full Service B&M $153,808
    Firstbank 550 South Wadsworth Boulevard Lakewood, CO 80226 Full Service B&M $403,145
    Firstbank 5815 Constitution Avenue Colorado Springs, CO 80915 Full Service B&M $104,757
    Firstbank 5885 West Bell Rd. Glendale, AZ 85308 Full Service B&M $19,842
    Firstbank 600 Broadway Denver, CO 80203 Full Service B&M $54,532
    Firstbank 601 East Hopkins Avenue, Unit 1 Aspen, CO 81611 Full Service B&M $41,340
    Firstbank 6080 Firestone Boulevard Firestone, CO 80504 Full Service B&M $88,490
    Firstbank 6350 Sheridan Blvd. Arvada, CO 80003 Full Service Retail $31,830
    Firstbank 6355 Ward Road Arvada, CO 80004 Full Service B&M $520,939
    Firstbank 6440 South Higley Road Gilbert, AZ 85298 Full Service B&M $54,417
    Firstbank 6500 Lookout Road Boulder, CO 80301 Full Service B&M $271,806
    Firstbank 6701 South Wadsworth Littleton, CO 80128 Full Service B&M $347,762
    Firstbank 6715 S Cornerstar Way Aurora, CO 80016 Full Service B&M $55,069
    Firstbank 701 12th Street, Suite 111 Golden, CO 80401 Full Service B&M $42,251
    Firstbank 73-000 Highway 111 Palm Desert, CA 92260 Full Service B&M $200,316
    Firstbank 7590 West Colfax Avenue Lakewood, CO 80215 Full Service B&M $326,172
    Firstbank 7602 East Indian School Road Scottsdale, AZ 85251 Full Service B&M $98,869
    Firstbank 791 Hwy 133 Carbondale, CO 81623 Full Service B&M $10,142
    Firstbank 8280 South Holly Street Centennial, CO 80122 Full Service B&M $239,623
    Firstbank 82900 Avenue 42 Indio, CA 92203 Full Service B&M $30,290
    Firstbank 830 South Colorado Boulevard Glendale, CO 80246 Full Service B&M $203,273
    Firstbank 8600 East Arapahoe Road Centennial, CO 80112 Full Service B&M $248,789
    Firstbank 8800 Wadsworth Boulevard Westminster, CO 80021 Full Service B&M $392,102
    Firstbank 8901 East Hampden Avenue Denver, CO 80231 Full Service B&M $201,678
    Firstbank 8922 East Via Linda Scottsdale, AZ 85258 Full Service B&M $62,880
    Firstbank 9217 East Lincoln Avenue Lone Tree, CO 80124 Full Service B&M $130,810
    Firstbank 9409 South University Boulevard Highlands Ranch, CO 80126 Full Service B&M $213,204
    Firstbank 960 N.Ten Mile Drive Frisco, CO 80443 Full Service B&M $76,547

    For 2020, Firstbank had 115 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $672,909
    Net interest income $636,168
    Total noninterest income $125,552
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $42,552
    Trading account gains and fees $0
    Additional Noninterest Income $83,000
    Pre-tax net operating income $335,253
    Securities gains (or losses, -) $-61
    Income before extraordinary items $266,192
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $266,192
    Minority interest net income $0
    Net income $266,192
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $266,240

    Firstbank's gross interest income from loans was $672,909,000.
    Firstbank's net interest income from loans was $636,168,000.
    Firstbank's fee based income from loans was $42,552,000.
    Firstbank's net income from loans was $266,192,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $36,741
    Provision for credit losses $43,482
    Total noninterest expense $382,985
    Salaries and employee benefits $212,603
    Premises and equipment expense $46,995
    Additional noninterest expense $123,387
    Applicable income taxes $69,000
    Net charge-offs $3,168
    Cash dividends $181,400

    Firstbank's interest expense for loans was $36,741,000.
    Firstbank's payroll and benefits expense were $212,603,000.
    Firstbank's property, plant and equipment expenses $46,995,000.

    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 $21,966,099
    Deposits held in domestic offices $21,966,099
    Deposits by Individuals, partnerships, and corporations $21,146,253
    Deposits by U.S. Government $3
    Deposits by States and political subdivisions in the U.S. $809,543
    Deposits by Commercial banks and other depository institutions in U.S. $10,300
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $2,910,301
    Demand deposits $2,236,599
    Nontransaction accounts $19,055,798
    Money market deposit accounts (MMDAs) $15,321,229
    Other savings deposits (excluding MMDAs) $2,391,433
    Total time deposits $1,343,135
    Total time and savings deposits $19,729,500
    Noninterest-bearing deposits $2,167,781
    Interest-bearing deposits $19,798,318
    Retail deposits $21,619,827
    IRAs and Keogh plan accounts $272,284
    Brokered deposits $72,140
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $24,404,461
    Cash & Balances due from depository institutions $1,460,663
    Interest-bearing balances $1,090,000
    Total securities $9,065,833
    Federal funds sold & reverse repurchase $0
    Net loans and leases $13,030,759
    Loan and leases loss allowance $149,408
    Trading account assets $0
    Bank premises and fixed assets $255,119
    Other real estate owned $3,192
    Goodwill and other intangibles $13,614
    All other assets $575,281

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $24,404,461
    Total Liabilities $22,587,393
    Total deposits $21,966,099
    Interest-bearing deposits $19,798,318
    Deposits held in domestic offices $21,966,099
    % insured (estimated) $71
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $79,269
    Subordinated debt $0
    All other liabilities $542,025

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $13,030,759
    Loan and leases loss allowance $149,408
    Total loans and leases (domestic) $13,180,167
    All real estate loans $11,287,830
    Real estate loans in domestic offices $11,287,830
    Construction and development loans $894,196
    Residential 1-4 family construction $245,776
    Other construction, all land development and other land $648,420
    Loans secured by nonfarm nonresidential properties $2,666,925
    Nonfarm nonresidential secured by owner-occupied properties $898,614
    Commercial real estate & other non-farm, non-residential $1,768,311
    Multifamily residential real estate $644,497
    1-4 family residential loans $7,076,261
    Farmland loans $5,951
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $1,233,917
    To non-U.S. addressees $17
    Loans to individuals $71,463
    Credit card loans $59,673
    Related Plans $10,303
    Consumer Auto Loans $0
    Other loans to individuals $1,487
    All other loans & leases $586,957
    Loans to foreign governments and official institutions $0
    Other loans $24,789
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $5,889
    Loans secured by real estate to non-U.S. addressees $133,351
    Restructured Loans & leases $7,096
    Non 1-4 family restructured loans & leases $1,835
    Total loans and leases (foreign) $0

    FirstBank had $13,030,759,000 of loans outstanding in 2020. $11,287,830,000 of loans were in real estate loans. $894,196,000 of loans were in development loans. $644,497,000 of loans were in multifamily mortgage loans. $7,076,261,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $59,673,000 of loans were in credit card loans. $0 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 1,609 $527,034 $327,554
    Nonfarm, nonresidential loans - <$100k 150 $7,717 $51,447
    Nonfarm, nonresidential loans - $100-250k 432 $60,845 $140,845
    Nonfarm, nonresidential loans - $250k-1MM 1,027 $458,472 $446,419
    Commercial & Industrial, US addressed loans - <$1MM 20,234 $901,967 $44,577
    Commercial & Industrial, US addressed loans - <$100k 17,700 $315,772 $17,840
    Commercial & Industrial, US addressed loans - $100-250k 1,681 $241,232 $143,505
    Commercial & Industrial, US addressed loans - $250k-1MM 853 $344,963 $404,411
    Farmland loans - <$1MM 3 $280 $93,333
    Farmland loans - $100-250k 2 $186 $93,000
    Farmland loans - $250k-1MM 1 $94 $94,000