First-citizens Bank & Trust Company Mortgage Rates, Fees & Info
Raleigh, NCLEI: L9VVX1KT5TFTKS0MLF66
Tax ID: 56-0223230
5 stars - Updated: 4/22/24
-
out of 5 stars, based on 124 reviews
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
First-citizens Bank & Trust Company is a mid-sized bank specializing in Home Purchase loans. First-citizens Bank & Trust Company 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.) They have a low ratio of USDA loans. Their top markets by origination volume include: Los Angeles, Raleigh, Charlotte, San Francisco, and Charleston among others. We have data for 255 markets. (Some data included below & more in-depth data is available with an active subscription.)First-citizens Bank & Trust Company 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. First-citizens Bank & Trust Company 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 relatively high 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% | 4/22/24 |
| 30 Year Conventional Purchase | 6.20% | 4/22/24 |
| 30 Year Conventional Refi | 6.29% | 4/22/24 |
| 30 Year Cash-out Refi | 6.45% | 4/22/24 |
| 30 Year FHA Purchase | 7.10% | 4/22/24 |
| 30 Year FHA Refi | 7.07% | 4/22/24 |
| 30 Year VA Purchase | 6.25% | 4/22/24 |
| 30 Year VA Refi | 5.89% | 4/22/24 |
| 30 Year USDA Purchase | 6.62% | 4/22/24 |
| 15 Year Conventional Purchase | 5.79% | 4/22/24 |
| 15 Year Conventional Refi | 5.85% | 4/22/24 |
| 15 Year Cash-out Refi | 5.85% | 4/22/24 |
| 15 Year FHA Refi | 7.23% | 4/22/24 |
| 15 Year VA Refi | 5.68% | 4/22/24 |
| 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. | ||
First-citizens Bank & Trust Company Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from First-citizens Bank & Trust Company. 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
15,304Origination Dollar Volume (All Markets)
$5,902,870,000Awards
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First-Citizens Bank & Trust Company - 2023
First-Citizens Bank & Trust Company is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
First-citizens Bank & Trust Company's average 30 year fixed mortgage rate was
6.09%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of -0.39%.
Relative Fees (Closing Costs)
First-citizens Bank & Trust Company's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,247.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 586 | $692,100,000 | $1,181,058 | $10,958 | 5.71% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1,519 | $412,715,000 | $271,702 | $3,572 | 6.83% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1,577 | $371,175,000 | $235,368 | $3,310 | 6.86% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 340 | $368,730,000 | $1,084,500 | $5,795 | 4.74% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 880 | $334,370,000 | $379,966 | $5,409 | 6.83% |
| Outside of Metro Areas | 727 | $167,995,000 | $231,080 | $3,514 | 6.70% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 146 | $150,040,000 | $1,027,671 | $5,367 | 4.61% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 477 | $147,845,000 | $309,948 | $3,597 | 6.77% |
| COLUMBIA, SC (FHA|USDA|VA) | 683 | $146,705,000 | $214,795 | $4,045 | 6.79% |
| WILMINGTON, NC (FHA|USDA|VA) | 452 | $146,320,000 | $323,717 | $3,747 | 6.84% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 191 | $142,345,000 | $745,262 | $11,779 | 5.91% |
| ASHEVILLE, NC (FHA|USDA|VA) | 543 | $136,555,000 | $251,483 | $3,571 | 6.80% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 518 | $133,370,000 | $257,471 | $4,071 | 6.75% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 106 | $116,190,000 | $1,096,132 | $10,527 | 6.02% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 99 | $114,175,000 | $1,153,283 | $4,755 | 4.80% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 121 | $113,315,000 | $936,488 | $9,108 | 6.46% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 62 | $108,930,000 | $1,756,935 | $6,909 | 5.13% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 392 | $100,860,000 | $257,296 | $4,000 | 6.74% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 192 | $72,060,000 | $375,313 | $4,816 | 6.69% |
| Morehead City, NC (FHA|USDA|VA) | 215 | $70,775,000 | $329,186 | $4,193 | 6.50% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 304 | $69,320,000 | $228,026 | $3,050 | 6.86% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 400 | $66,410,000 | $166,025 | $3,606 | 6.74% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 83 | $63,345,000 | $763,193 | $6,274 | 5.92% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 56 | $57,560,000 | $1,027,857 | $5,734 | 5.90% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 132 | $54,900,000 | $415,909 | $4,730 | 6.87% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 277 | $53,585,000 | $193,448 | $3,294 | 6.78% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 40 | $52,250,000 | $1,306,250 | $7,984 | 5.68% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 4 | $49,510,000 | $12,377,500 | $0 | 6.63% |
| NEW BERN, NC (FHA|USDA|VA) | 212 | $47,730,000 | $225,142 | $4,213 | 6.63% |
| SPARTANBURG, SC (FHA|USDA|VA) | 266 | $45,180,000 | $169,850 | $3,480 | 6.84% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 318 | $40,180,000 | $126,352 | $2,134 | 6.67% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 132 | $37,700,000 | $285,606 | $5,141 | 6.91% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 80 | $35,340,000 | $441,750 | $5,069 | 6.76% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 39 | $35,155,000 | $901,410 | $8,337 | 5.67% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 24 | $32,180,000 | $1,340,833 | $5,355 | 6.43% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 62 | $32,150,000 | $518,548 | $6,446 | 6.45% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 162 | $31,830,000 | $196,481 | $3,605 | 6.84% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 8 | $31,060,000 | $3,882,500 | $7,332 | 5.88% |
| ROANOKE, VA (FHA|USDA|VA) | 147 | $30,745,000 | $209,150 | $3,994 | 6.63% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 43 | $29,725,000 | $691,279 | $4,581 | 6.20% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 49 | $28,775,000 | $587,245 | $5,100 | 6.16% |
| Boone, NC (FHA|USDA|VA) | 63 | $28,755,000 | $456,429 | $4,571 | 6.71% |
| GREENVILLE, NC (FHA|USDA|VA) | 132 | $27,500,000 | $208,333 | $3,496 | 6.62% |
| RICHMOND, VA (FHA|USDA|VA) | 113 | $26,865,000 | $237,743 | $3,417 | 7.05% |
| Vineyard Haven, MA (FHA|USDA|VA) | 4 | $25,660,000 | $6,415,000 | $26,491 | 5.31% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 12 | $24,160,000 | $2,013,333 | $4,937 | 5.83% |
| Bozeman, MT (FHA|USDA|VA) | 2 | $22,690,000 | $11,345,000 | $4,365 | 6.68% |
| Georgetown, SC (FHA|USDA|VA) | 72 | $20,800,000 | $288,889 | $4,269 | 6.55% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 90 | $19,890,000 | $221,000 | $3,858 | 6.87% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 44 | $19,080,000 | $433,636 | $4,775 | 6.44% |
| Cullowhee, NC (FHA|USDA|VA) | 59 | $18,805,000 | $318,729 | $6,320 | 6.61% |
| Seneca, SC (FHA|USDA|VA) | 45 | $18,455,000 | $410,111 | $5,161 | 6.48% |
| Glenwood Springs, CO (FHA|USDA|VA) | 3 | $18,225,000 | $6,075,000 | $10,951 | 5.13% |
| Heber, UT (FHA|USDA|VA) | 11 | $17,725,000 | $1,611,364 | $4,777 | 5.53% |
| FLORENCE, SC (FHA|USDA|VA) | 112 | $17,480,000 | $156,071 | $3,510 | 6.72% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 9 | $16,895,000 | $1,877,222 | $11,593 | 5.51% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 66 | $15,790,000 | $239,242 | $3,736 | 6.57% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 68 | $15,400,000 | $226,471 | $2,449 | 6.94% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 20 | $15,040,000 | $752,000 | $8,068 | 5.65% |
| Brevard, NC (FHA|USDA|VA) | 75 | $14,995,000 | $199,933 | $3,423 | 6.86% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 29 | $14,485,000 | $499,483 | $4,825 | 6.43% |
| Hailey, ID (FHA|USDA|VA) | 4 | $14,090,000 | $3,522,500 | $9,313 | 5.13% |
| LYNCHBURG, VA (FHA|USDA|VA) | 89 | $13,625,000 | $153,090 | $2,558 | 7.09% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 7 | $13,595,000 | $1,942,143 | $6,760 | 5.58% |
| KNOXVILLE, TN (FHA|USDA|VA) | 28 | $13,570,000 | $484,643 | $5,494 | 6.52% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 32 | $13,130,000 | $410,313 | $6,271 | 6.67% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 30 | $12,990,000 | $433,000 | $4,526 | 6.71% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 20 | $12,340,000 | $617,000 | $4,819 | 6.28% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 12 | $11,910,000 | $992,500 | $3,898 | 6.33% |
| RENO, NV (FHA|USDA|VA) | 10 | $11,060,000 | $1,106,000 | $4,269 | 5.96% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $10,840,000 | $5,420,000 | $15,927 | 5.31% |
| SUMTER, SC (FHA|USDA|VA) | 59 | $10,805,000 | $183,136 | $3,285 | 6.57% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 14 | $10,530,000 | $752,143 | $8,620 | 6.06% |
| SAVANNAH, GA (FHA|USDA|VA) | 55 | $10,125,000 | $184,091 | $4,603 | 7.11% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 16 | $9,700,000 | $606,250 | $6,364 | 5.73% |
| Albemarle, NC (FHA|USDA|VA) | 45 | $9,125,000 | $202,778 | $4,396 | 6.72% |
| Sevierville, TN (FHA|USDA|VA) | 10 | $8,820,000 | $882,000 | $6,316 | 6.15% |
| Marion, NC (FHA|USDA|VA) | 27 | $8,185,000 | $303,148 | $3,841 | 6.60% |
| BEND, OR (FHA|USDA|VA) | 5 | $7,745,000 | $1,549,000 | $10,604 | 6.03% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 16 | $7,490,000 | $468,125 | $4,383 | 6.19% |
| Wilson, NC (FHA|USDA|VA) | 45 | $7,475,000 | $166,111 | $3,917 | 6.57% |
| Danville, VA (FHA|USDA|VA) | 54 | $7,330,000 | $135,741 | $3,661 | 6.69% |
| GOLDSBORO, NC (FHA|USDA|VA) | 44 | $7,160,000 | $162,727 | $3,608 | 7.07% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 7 | $7,085,000 | $1,012,143 | $10,975 | 6.48% |
| Forest City, NC (FHA|USDA|VA) | 34 | $7,000,000 | $205,882 | $3,890 | 6.70% |
| Greenwood, SC (FHA|USDA|VA) | 36 | $6,980,000 | $193,889 | $4,237 | 6.60% |
| Sanford, NC (FHA|USDA|VA) | 43 | $6,325,000 | $147,093 | $3,149 | 6.92% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 31 | $6,155,000 | $198,548 | $2,133 | 6.24% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 30 | $6,020,000 | $200,667 | $4,264 | 6.33% |
| Key West, FL (FHA|USDA|VA) | 7 | $5,925,000 | $846,429 | $10,960 | 6.56% |
| HARRISONBURG, VA (FHA|USDA|VA) | 20 | $5,830,000 | $291,500 | $3,761 | 6.52% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 9 | $5,795,000 | $643,889 | $9,238 | 6.79% |
| BURLINGTON, NC (FHA|USDA|VA) | 32 | $5,690,000 | $177,813 | $3,674 | 6.84% |
| Edwards, CO (FHA|USDA|VA) | 3 | $5,385,000 | $1,795,000 | $5,970 | 5.17% |
| Kinston, NC (FHA|USDA|VA) | 46 | $5,310,000 | $115,435 | $3,342 | 7.11% |
| STAUNTON, VA (FHA|USDA|VA) | 32 | $5,130,000 | $160,313 | $2,315 | 6.93% |
| Newberry, SC (FHA|USDA|VA) | 25 | $5,125,000 | $205,000 | $4,022 | 6.78% |
| VALLEJO, CA (FHA|USDA|VA) | 6 | $4,900,000 | $816,667 | $7,183 | 3.46% |
| BOULDER, CO (FHA|USDA|VA) | 5 | $4,895,000 | $979,000 | $9,575 | 5.53% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 20 | $4,860,000 | $243,000 | $3,508 | 6.79% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 5 | $4,685,000 | $937,000 | $4,793 | 6.28% |
| Washington, NC (FHA|USDA|VA) | 27 | $4,615,000 | $170,926 | $3,220 | 6.51% |
| NAPA, CA (FHA|USDA|VA) | 3 | $4,605,000 | $1,535,000 | $7,895 | 5.74% |
| SANTA FE, NM (FHA|USDA|VA) | 11 | $4,595,000 | $417,727 | $5,486 | 7.02% |
| Orangeburg, SC (FHA|USDA|VA) | 32 | $4,430,000 | $138,438 | $4,257 | 6.95% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 5 | $4,215,000 | $843,000 | $4,472 | 6.41% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 9 | $4,195,000 | $466,111 | $6,775 | 6.94% |
| North Wilkesboro, NC (FHA|USDA|VA) | 32 | $4,050,000 | $126,563 | $2,556 | 6.85% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $3,765,000 | $1,255,000 | $4,395 | 5.72% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 6 | $3,760,000 | $626,667 | $6,552 | 6.05% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $3,705,000 | $3,705,000 | $0 | 6.05% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 16 | $3,700,000 | $231,250 | $4,405 | 6.41% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 35 | $3,615,000 | $103,286 | $1,629 | 6.80% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $3,610,000 | $1,805,000 | $3,955 | 5.85% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 7 | $3,565,000 | $509,286 | $5,878 | 5.44% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $3,505,000 | $3,505,000 | $12,032 | 4.25% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $3,430,000 | $1,715,000 | $7,406 | 4.81% |
| Mount Airy, NC (FHA|USDA|VA) | 27 | $3,405,000 | $126,111 | $2,119 | 7.00% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 7 | $3,405,000 | $486,429 | $4,268 | 6.86% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 10 | $3,390,000 | $339,000 | $6,422 | 6.54% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 6 | $3,280,000 | $546,667 | $3,207 | 7.11% |
| STOCKTON, CA (FHA|USDA|VA) | 7 | $3,265,000 | $466,429 | $3,877 | 4.71% |
| Henderson, NC (FHA|USDA|VA) | 13 | $3,215,000 | $247,308 | $4,230 | 6.30% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 4 | $3,110,000 | $777,500 | $4,266 | 4.69% |
| Ellensburg, WA (FHA|USDA|VA) | 2 | $2,980,000 | $1,490,000 | $6,464 | 6.48% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 11 | $2,875,000 | $261,364 | $4,623 | 6.59% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 13 | $2,845,000 | $218,846 | $3,895 | 6.22% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $2,605,000 | $2,605,000 | $2,421 | 4.50% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 3 | $2,325,000 | $775,000 | $4,783 | 5.63% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $2,225,000 | $2,225,000 | $12,561 | 5.85% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 6 | $2,210,000 | $368,333 | $6,428 | 6.65% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $2,150,000 | $1,075,000 | $3,149 | 6.75% |
| Lebanon, NH-VT (FHA|USDA|VA) | 3 | $2,145,000 | $715,000 | $6,073 | 6.50% |
| TUCSON, AZ (FHA|USDA|VA) | 6 | $2,140,000 | $356,667 | $5,155 | 5.98% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $2,080,000 | $1,040,000 | $9,213 | 6.39% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 1 | $1,995,000 | $1,995,000 | $11,216 | 5.50% |
| KINGSTON, NY (FHA|USDA|VA) | 2 | $1,960,000 | $980,000 | $5,202 | 5.44% |
| Toccoa, GA (FHA|USDA|VA) | 9 | $1,945,000 | $216,111 | $2,195 | 6.41% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 3 | $1,855,000 | $618,333 | $7,685 | 6.21% |
| Newport, OR (FHA|USDA|VA) | 2 | $1,850,000 | $925,000 | $9,877 | 5.76% |
| Gaffney, SC (FHA|USDA|VA) | 10 | $1,840,000 | $184,000 | $3,005 | 6.51% |
| Elizabeth City, NC (FHA|USDA|VA) | 12 | $1,800,000 | $150,000 | $3,213 | 6.27% |
| Shelby, NC (FHA|USDA|VA) | 12 | $1,790,000 | $149,167 | $3,164 | 6.80% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $1,755,000 | $1,755,000 | $5,620 | 5.38% |
| FORT COLLINS, CO (FHA|USDA|VA) | 4 | $1,670,000 | $417,500 | $3,574 | 5.90% |
| MORRISTOWN, TN (FHA|USDA|VA) | 3 | $1,645,000 | $548,333 | $7,178 | 6.33% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 3 | $1,585,000 | $528,333 | $3,097 | 7.07% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $1,550,000 | $775,000 | $11,147 | 4.90% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $1,540,000 | $385,000 | $6,509 | 5.67% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 7 | $1,535,000 | $219,286 | $5,594 | 6.72% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $1,500,000 | $750,000 | $3,740 | 5.19% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 7 | $1,495,000 | $213,571 | $3,375 | 6.09% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 13 | $1,455,000 | $111,923 | $3,129 | 6.86% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $0 | 6.63% |
| Durango, CO (FHA|USDA|VA) | 1 | $1,425,000 | $1,425,000 | $0 | 6.90% |
| Barre, VT (FHA|USDA|VA) | 1 | $1,405,000 | $1,405,000 | $7,202 | 6.00% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 12 | $1,280,000 | $106,667 | $4,370 | 6.58% |
| Bennettsville, SC (FHA|USDA|VA) | 14 | $1,280,000 | $91,429 | $3,119 | 6.30% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $1,250,000 | $625,000 | $8,630 | 5.74% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $1,235,000 | $1,235,000 | $4,679 | 6.38% |
| Jefferson, GA (FHA|USDA|VA) | 6 | $1,230,000 | $205,000 | $3,692 | 6.40% |
| Hilo, HI (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $6,042 | 4.00% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $1,165,000 | $1,165,000 | $0 | 6.50% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $11,905 | 8.07% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $1,080,000 | $540,000 | $5,870 | 5.44% |
| Prineville, OR (FHA|USDA|VA) | 1 | $1,045,000 | $1,045,000 | $7,688 | 6.03% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $4,946 | 5.48% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $1,015,000 | $1,015,000 | $5,896 | 4.75% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $3,549 | 6.10% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $4,483 | 5.53% |
| Lumberton, NC (FHA|USDA|VA) | 6 | $980,000 | $163,333 | $2,807 | 6.46% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $4,718 | 5.65% |
| GAINESVILLE, GA (FHA|USDA|VA) | 7 | $925,000 | $132,143 | $2,416 | 6.71% |
| Laconia, NH (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $2,959 | 4.75% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $3,477 | 5.13% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $3,290 | 6.68% |
| CHICO, CA (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $7,325 | 6.65% |
| Cornelia, GA (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $4,540 | 7.33% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $9,530 | 5.70% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $795,000 | $795,000 | $5,118 | 6.25% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $4,513 | 6.20% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $10,816 | 6.72% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $3,878 | 6.03% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $4,318 | 5.88% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $5,098 | 6.25% |
| OCALA, FL (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $4,167 | 5.52% |
| Big Stone Gap, VA (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $6,155 | 7.58% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $1,804 | 7.33% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $2,697 | 5.75% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $5,535 | 6.00% |
| RACINE, WI (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $0 | 6.00% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $5,629 | 5.43% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $2,934 | 6.17% |
| BRUNSWICK, GA (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $4,283 | 6.45% |
| MERCED, CA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $16,187 | 5.38% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $5,040 | 7.33% |
| Laurinburg, NC (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $3,344 | 6.90% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,014 | 6.58% |
| Taos, NM (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $4,530 | 4.63% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $4,793 | 7.63% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $13,077 | 6.25% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $6,166 | 5.73% |
| TOLEDO, OH (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $8,101 | 7.19% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 5.91% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,328 | 7.34% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 7.00% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $6,549 | 6.30% |
| Union, SC (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,269 | 6.57% |
| MADISON, WI (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,037 | 7.38% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,649 | 5.37% |
| Helena, MT (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 7.88% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,372 | 6.88% |
| Dodge City, KS (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,477 | 6.60% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,286 | 5.39% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,921 | 7.25% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,806 | 5.50% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,772 | 5.75% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,395 | 5.38% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,087 | 6.88% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,585 | 5.74% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 6.30% |
| Hudson, NY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,811 | 6.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 5.99% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 5.99% |
| Statesboro, GA (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $0 | 7.66% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,620 | 5.37% |
| Lake City, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,734 | 8.13% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,311 | 6.00% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 7.67% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,576 | 4.63% |
| Gallup, NM (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $10,054 | 5.88% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,968 | 6.30% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,915 | 7.38% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,822 | 7.75% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,052 | 7.50% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,100 | 7.38% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 7.49% |
| ROCKFORD, IL (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $4,179 | 7.00% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,754 | 7.50% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,175 | 6.03% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.99% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,590 | 6.25% |
| Clarksburg, WV (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $2,587 | 8.68% |
| Martinsville, VA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,811 | 7.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.99% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,316 | 5.13% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.60% |
| Douglas, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,093 | 6.40% |
| Fernley, NV (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.14% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,850 | 5.74% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.65% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.99% |
| Waycross, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 10.39% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.49% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $300 | 5.64% |
First-citizens Bank & Trust Company's top markets include Los Angeles, Raleigh, Charlotte, San Francisco, and Charleston among others.
Their top states include:North Carolina
(FHA|USDA|VA)
California
(FHA|USDA|VA)
South Carolina
(FHA|USDA|VA)
Florida
(FHA|USDA|VA)
Massachusetts
(FHA|USDA|VA)
Their top states include:
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Product Mix
For 2023, First-citizens Bank & Trust Company's most frequently originated type of loan was Conventional, with 7,764 originations. Their 2nd most popular type was HELOC, with 7,263 originations.
Loan Reason
For 2023, First-citizens Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 5,177 originations. The 2nd most popular reason was Other, with 3,513 originations.
Loan Duration/Length
For 2023, First-citizens Bank & Trust Company's most frequently cited loan duration was Other, with 7,526 originations. The 2nd most popular length was 30 Year, with 5,146 originations.
Origination Fees/Closing Costs
First-citizens Bank & Trust Company's average total fees were $6,247, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,805 originations.
Interest Rates
During 2023, First-citizens Bank & Trust Company's average interest rate for loans was 6.09%, while their most frequently originated rate bucket for loans was 5-6%, with 5,923 originations.
Loan Sizing
2023 saw First-citizens Bank & Trust Company place emphasis on $100k-200k loans with 4,221 originations, totaling $541,815,000 in origination value.
Applicant Income
First-citizens Bank & Trust Company lent most frequently to those with incomes in the $250k+ range, with 4,054 originations. The second most popular income band? $150k-250k, with 3,073 originations.
Applicant Debt to Income Ratio
First-citizens Bank & Trust Company lent most frequently to those with DTI ratios of 20-30%, with 3,179 originations. The next most common DTI ratio? 30-36%, with 2,462 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications79.44%
First-citizens Bank & Trust Company has a below average approval rate.
Pick Rate
Approvals leading to origination85.53%
First-citizens Bank & Trust Company has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 15,304 | $5,902,870,000 | $385,708 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 15,304 | $5,902,870,000 | $385,708 |