First-citizens Bank & Trust Company Mortgage Rates, Fees & Info

Raleigh, NC

LEI: L9VVX1KT5TFTKS0MLF66

Tax ID: 56-0223230

5 stars - Updated: 4/5/25 - out of 5 stars, based on 123 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • 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)

    • 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 248 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 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) 6.72% 4/5/25
    30 Year Conventional Purchase 6.74% 4/5/25
    30 Year Conventional Refi 6.52% 4/5/25
    30 Year Cash-out Refi 6.99% 4/5/25
    30 Year FHA Purchase 6.43% 4/5/25
    30 Year FHA Refi 6.35% 4/5/25
    30 Year VA Purchase 5.96% 4/5/25
    30 Year VA Refi 5.92% 4/5/25
    30 Year USDA Purchase 6.57% 4/5/25
    15 Year Conventional Purchase 6.20% 4/5/25
    15 Year Conventional Refi 6.25% 4/5/25
    15 Year Cash-out Refi 6.25% 4/5/25
    15 Year VA Purchase 6.00% 4/5/25
    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

    15,162

    Origination Dollar Volume (All Markets)

    $5,978,900,000
    Show all (53) awards

    Relative Rate

    First-citizens Bank & Trust Company's average 30 year fixed mortgage rate was 6.41%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of -0.14%.

    Relative Fees (Closing Costs)

    First-citizens Bank & Trust Company's average total fees/closing costs for a 30 year fixed rate mortgage were $6,448.

    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 $8,356.

    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) 433 $504,305,000 $1,164,677 $10,881 6.13%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1,547 $478,735,000 $309,460 $4,148 6.26%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1,670 $457,220,000 $273,784 $3,610 6.27%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 241 $413,475,000 $1,715,664 $6,749 6.09%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 860 $337,220,000 $392,116 $6,088 6.23%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 69 $217,985,000 $3,159,203 $6,690 5.98%
    Outside of Metro Areas 739 $189,645,000 $256,624 $4,165 6.32%
    ASHEVILLE, NC (FHA|USDA|VA) 549 $175,125,000 $318,989 $3,689 6.29%
    COLUMBIA, SC (FHA|USDA|VA) 770 $170,780,000 $221,792 $4,543 6.32%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 502 $162,570,000 $323,845 $4,405 6.32%
    WILMINGTON, NC (FHA|USDA|VA) 514 $149,450,000 $290,759 $3,960 6.23%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 534 $139,230,000 $260,730 $4,113 6.27%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 204 $126,200,000 $618,627 $5,281 6.13%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 421 $123,865,000 $294,216 $4,176 6.31%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 191 $122,135,000 $639,450 $12,696 6.04%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 113 $105,645,000 $934,912 $6,109 5.48%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 67 $93,335,000 $1,393,060 $12,187 6.08%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 101 $81,405,000 $805,990 $8,863 6.22%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 350 $76,110,000 $217,457 $3,717 6.23%
    NEW BERN, NC (FHA|USDA|VA) 258 $74,200,000 $287,597 $4,620 6.48%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 330 $63,780,000 $193,273 $3,421 6.28%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 36 $63,780,000 $1,771,667 $6,534 6.43%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 167 $62,655,000 $375,180 $6,487 6.19%
    Morehead City, NC (FHA|USDA|VA) 186 $61,670,000 $331,559 $4,593 6.32%
    WINSTON-SALEM, NC (FHA|USDA|VA) 317 $59,815,000 $188,691 $3,682 6.28%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 9 $51,565,000 $5,729,444 $4,911 5.86%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 59 $50,765,000 $860,424 $7,425 6.33%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 57 $50,745,000 $890,263 $5,726 6.22%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 117 $49,415,000 $422,350 $4,871 6.31%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 55 $48,245,000 $877,182 $3,511 6.12%
    SPARTANBURG, SC (FHA|USDA|VA) 237 $45,455,000 $191,793 $4,078 6.46%
    GREENVILLE, NC (FHA|USDA|VA) 137 $41,075,000 $299,818 $4,208 6.26%
    FAYETTEVILLE, NC (FHA|USDA|VA) 230 $39,940,000 $173,652 $3,509 6.34%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 170 $39,610,000 $233,000 $4,506 6.47%
    RICHMOND, VA (FHA|USDA|VA) 132 $36,280,000 $274,848 $2,910 6.36%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 22 $35,980,000 $1,635,455 $10,589 6.14%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 100 $33,890,000 $338,900 $4,939 6.27%
    ROANOKE, VA (FHA|USDA|VA) 138 $33,470,000 $242,536 $4,263 6.31%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 42 $31,000,000 $738,095 $6,447 6.28%
    RENO, NV (FHA|USDA|VA) 10 $30,160,000 $3,016,000 $4,150 6.17%
    JACKSONVILLE, NC (FHA|USDA|VA) 123 $30,065,000 $244,431 $3,993 6.32%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 47 $26,235,000 $558,191 $3,955 6.30%
    Georgetown, SC (FHA|USDA|VA) 59 $25,325,000 $429,237 $6,191 6.22%
    Cullowhee, NC (FHA|USDA|VA) 46 $25,000,000 $543,478 $7,447 6.46%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 40 $23,750,000 $593,750 $5,947 6.24%
    Brevard, NC (FHA|USDA|VA) 70 $23,460,000 $335,143 $4,230 6.25%
    FLORENCE, SC (FHA|USDA|VA) 142 $23,380,000 $164,648 $4,124 6.39%
    Seneca, SC (FHA|USDA|VA) 55 $21,975,000 $399,545 $4,925 6.06%
    LYNCHBURG, VA (FHA|USDA|VA) 78 $18,630,000 $238,846 $3,439 6.18%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 61 $16,905,000 $277,131 $2,671 6.28%
    Boone, NC (FHA|USDA|VA) 41 $15,785,000 $385,000 $4,271 6.37%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 22 $15,620,000 $710,000 $7,902 6.30%
    SAVANNAH, GA (FHA|USDA|VA) 46 $15,290,000 $332,391 $5,707 6.29%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 27 $14,945,000 $553,519 $7,191 6.34%
    KNOXVILLE, TN (FHA|USDA|VA) 30 $12,940,000 $431,333 $5,853 6.32%
    Heber, UT (FHA|USDA|VA) 7 $12,105,000 $1,729,286 $6,785 6.12%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 30 $11,700,000 $390,000 $5,937 6.35%
    SALINAS, CA (FHA|USDA|VA) 4 $11,690,000 $2,922,500 $16,344 6.04%
    Greenwood, SC (FHA|USDA|VA) 42 $11,630,000 $276,905 $4,575 6.39%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 26 $11,580,000 $445,385 $8,756 6.16%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 25 $11,125,000 $445,000 $5,426 6.30%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 28 $11,090,000 $396,071 $7,171 6.29%
    Newberry, SC (FHA|USDA|VA) 28 $10,880,000 $388,571 $5,259 6.48%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 29 $10,845,000 $373,966 $3,310 6.26%
    JACKSONVILLE, FL (FHA|USDA|VA) 30 $10,500,000 $350,000 $5,789 6.35%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 5 $10,485,000 $2,097,000 $4,796 6.35%
    SUMTER, SC (FHA|USDA|VA) 60 $10,160,000 $169,333 $3,997 6.39%
    Danville, VA (FHA|USDA|VA) 72 $9,670,000 $134,306 $4,711 6.29%
    Sevierville, TN (FHA|USDA|VA) 12 $9,500,000 $791,667 $5,404 6.41%
    ALBUQUERQUE, NM (FHA|USDA|VA) 22 $9,420,000 $428,182 $5,790 6.49%
    Marion, NC (FHA|USDA|VA) 30 $9,060,000 $302,000 $4,289 6.36%
    Forest City, NC (FHA|USDA|VA) 42 $8,900,000 $211,905 $3,929 6.41%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 21 $8,855,000 $421,667 $4,657 6.26%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 13 $8,845,000 $680,385 $6,275 6.06%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 22 $8,840,000 $401,818 $3,537 6.31%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 45 $8,485,000 $188,556 $3,658 6.35%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 48 $8,130,000 $169,375 $2,970 6.30%
    ROCKY MOUNT, NC (FHA|USDA|VA) 34 $8,110,000 $238,529 $4,246 6.43%
    Wilson, NC (FHA|USDA|VA) 40 $8,060,000 $201,500 $4,143 6.39%
    HARRISONBURG, VA (FHA|USDA|VA) 32 $8,050,000 $251,563 $2,941 6.24%
    BURLINGTON, NC (FHA|USDA|VA) 37 $7,535,000 $203,649 $4,414 6.24%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 5 $7,225,000 $1,445,000 $7,071 6.24%
    Key West, FL (FHA|USDA|VA) 6 $7,040,000 $1,173,333 $9,861 6.11%
    Orangeburg, SC (FHA|USDA|VA) 37 $7,015,000 $189,595 $4,043 6.30%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 14 $6,830,000 $487,857 $6,886 6.39%
    TUCSON, AZ (FHA|USDA|VA) 22 $6,810,000 $309,545 $5,199 6.22%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 12 $6,770,000 $564,167 $6,279 6.14%
    Kill Devil Hills, NC (FHA|USDA|VA) 12 $6,430,000 $535,833 $5,357 6.27%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $6,035,000 $2,011,667 $10,994 6.01%
    Bozeman, MT (FHA|USDA|VA) 1 $6,005,000 $6,005,000 $6,707 5.75%
    Sanford, NC (FHA|USDA|VA) 33 $5,885,000 $178,333 $3,918 6.48%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 28 $5,860,000 $209,286 $5,731 6.14%
    Roanoke Rapids, NC (FHA|USDA|VA) 27 $5,725,000 $212,037 $5,111 6.39%
    NAPA, CA (FHA|USDA|VA) 4 $5,540,000 $1,385,000 $6,492 6.08%
    Breckenridge, CO (FHA|USDA|VA) 2 $5,540,000 $2,770,000 $8,303 5.50%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 4 $5,260,000 $1,315,000 $4,384 6.36%
    Washington, NC (FHA|USDA|VA) 23 $5,055,000 $219,783 $5,855 6.37%
    GOLDSBORO, NC (FHA|USDA|VA) 28 $4,830,000 $172,500 $2,607 6.57%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 17 $4,675,000 $275,000 $1,423 6.10%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 11 $4,605,000 $418,636 $5,439 6.13%
    STOCKTON, CA (FHA|USDA|VA) 6 $4,450,000 $741,667 $7,031 5.39%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 4 $4,430,000 $1,107,500 $5,270 6.13%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 15 $4,375,000 $291,667 $2,869 6.39%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 9 $4,365,000 $485,000 $5,543 6.13%
    Edwards, CO (FHA|USDA|VA) 3 $4,345,000 $1,448,333 $3,612 6.25%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $4,255,000 $4,255,000 $0 6.13%
    Toccoa, GA (FHA|USDA|VA) 22 $4,050,000 $184,091 $2,638 6.42%
    FRESNO, CA (FHA|USDA|VA) 1 $4,045,000 $4,045,000 $0 6.25%
    Astoria, OR (FHA|USDA|VA) 1 $4,005,000 $4,005,000 $8,184 5.88%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 5 $3,915,000 $783,000 $7,080 5.75%
    STAUNTON, VA (FHA|USDA|VA) 24 $3,860,000 $160,833 $1,907 6.17%
    EL CENTRO, CA (FHA|USDA|VA) 1 $3,855,000 $3,855,000 $0 5.75%
    Glenwood Springs, CO (FHA|USDA|VA) 3 $3,735,000 $1,245,000 $2,915 6.14%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 4 $3,730,000 $932,500 $5,018 6.52%
    North Wilkesboro, NC (FHA|USDA|VA) 28 $3,650,000 $130,357 $2,553 6.22%
    Kinston, NC (FHA|USDA|VA) 28 $3,630,000 $129,643 $2,530 6.49%
    Mount Airy, NC (FHA|USDA|VA) 33 $3,535,000 $107,121 $3,677 6.28%
    Albemarle, NC (FHA|USDA|VA) 31 $3,355,000 $108,226 $2,918 6.16%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 22 $3,120,000 $141,818 $2,684 6.29%
    JOHNSON CITY, TN (FHA|USDA|VA) 9 $2,785,000 $309,444 $3,398 6.46%
    TULSA, OK (FHA|USDA|VA) 5 $2,765,000 $553,000 $8,808 6.24%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $2,470,000 $617,500 $12,243 6.02%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $2,100,000 $1,050,000 $2,975 6.31%
    WINCHESTER, VA-WV (FHA|USDA|VA) 10 $2,040,000 $204,000 $5,341 6.18%
    Hilo, HI (FHA|USDA|VA) 1 $1,885,000 $1,885,000 $4,857 5.63%
    OCEAN CITY, NJ (FHA|USDA|VA) 2 $1,860,000 $930,000 $3,670 6.06%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $1,825,000 $1,825,000 $8,585 6.64%
    SANTA FE, NM (FHA|USDA|VA) 5 $1,805,000 $361,000 $6,527 6.51%
    Sandpoint, ID (FHA|USDA|VA) 1 $1,745,000 $1,745,000 $4,867 6.13%
    PROVO-OREM, UT (FHA|USDA|VA) 3 $1,735,000 $578,333 $5,775 6.67%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $1,720,000 $430,000 $3,940 6.07%
    Shelby, NC (FHA|USDA|VA) 8 $1,660,000 $207,500 $4,833 6.69%
    BELLINGHAM, WA (FHA|USDA|VA) 1 $1,625,000 $1,625,000 $0 5.85%
    MADISON, WI (FHA|USDA|VA) 3 $1,585,000 $528,333 $4,318 6.50%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 3 $1,565,000 $521,667 $4,160 6.28%
    Show Low, AZ (FHA|USDA|VA) 2 $1,520,000 $760,000 $6,225 6.48%
    GREELEY, CO (FHA|USDA|VA) 4 $1,480,000 $370,000 $5,034 6.46%
    GAINESVILLE, GA (FHA|USDA|VA) 7 $1,455,000 $207,857 $4,156 5.96%
    BAKERSFIELD, CA (FHA|USDA|VA) 6 $1,370,000 $228,333 $5,095 6.49%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $1,355,000 $1,355,000 $0 6.45%
    MERCED, CA (FHA|USDA|VA) 1 $1,305,000 $1,305,000 $11,423 6.15%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $1,235,000 $1,235,000 $9,918 5.85%
    Henderson, NC (FHA|USDA|VA) 10 $1,230,000 $123,000 $5,626 6.28%
    Bennettsville, SC (FHA|USDA|VA) 14 $1,210,000 $86,429 $2,853 6.30%
    BOULDER, CO (FHA|USDA|VA) 2 $1,210,000 $605,000 $2,862 5.87%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $7,771 5.75%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $1,205,000 $401,667 $3,405 6.16%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $1,175,000 $1,175,000 $5,737 6.33%
    URBAN HONOLULU, HI (FHA|USDA|VA) 2 $1,160,000 $580,000 $4,826 6.25%
    Elizabeth City, NC (FHA|USDA|VA) 9 $1,145,000 $127,222 $3,647 6.35%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $1,110,000 $555,000 $0 7.25%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $1,105,000 $1,105,000 $4,146 6.38%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $1,105,000 $1,105,000 $0 6.40%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $1,095,000 $365,000 $2,929 6.15%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $1,060,000 $530,000 $5,320 6.25%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $7,264 7.00%
    ST. GEORGE, UT (FHA|USDA|VA) 1 $995,000 $995,000 $3,271 5.99%
    SALT LAKE CITY, UT (FHA|USDA|VA) 2 $970,000 $485,000 $2,755 6.63%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 4 $960,000 $240,000 $3,951 6.44%
    Easton, MD (FHA|USDA|VA) 1 $955,000 $955,000 $6,547 6.48%
    PUNTA GORDA, FL (FHA|USDA|VA) 3 $935,000 $311,667 $6,233 6.79%
    Athens, TX (FHA|USDA|VA) 1 $925,000 $925,000 $2,070 5.75%
    Lumberton, NC (FHA|USDA|VA) 5 $905,000 $181,000 $3,411 6.54%
    RACINE, WI (FHA|USDA|VA) 4 $850,000 $212,500 $0 6.47%
    GAINESVILLE, FL (FHA|USDA|VA) 3 $835,000 $278,333 $4,898 6.55%
    Oak Harbor, WA (FHA|USDA|VA) 1 $835,000 $835,000 $4,959 6.48%
    TALLAHASSEE, FL (FHA|USDA|VA) 2 $800,000 $400,000 $4,814 6.40%
    FORT COLLINS, CO (FHA|USDA|VA) 2 $770,000 $385,000 $1,636 6.16%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $765,000 $255,000 $4,704 6.37%
    OCALA, FL (FHA|USDA|VA) 2 $760,000 $380,000 $6,744 6.53%
    Greeneville, TN (FHA|USDA|VA) 2 $750,000 $375,000 $3,875 7.06%
    Kalispell, MT (FHA|USDA|VA) 1 $745,000 $745,000 $3,534 6.25%
    SALISBURY, MD-DE (FHA|USDA|VA) 1 $745,000 $745,000 $5,559 7.00%
    YUBA CITY, CA (FHA|USDA|VA) 1 $735,000 $735,000 $0 5.99%
    Laurinburg, NC (FHA|USDA|VA) 4 $720,000 $180,000 $848 6.54%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $715,000 $715,000 $0 5.99%
    Roseburg, OR (FHA|USDA|VA) 1 $685,000 $685,000 $4,508 6.95%
    LONGVIEW, WA (FHA|USDA|VA) 1 $635,000 $635,000 $4,138 6.23%
    Rockingham, NC (FHA|USDA|VA) 5 $635,000 $127,000 $3,320 6.71%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $630,000 $315,000 $7,004 5.94%
    Cookeville, TN (FHA|USDA|VA) 1 $625,000 $625,000 $4,905 6.85%
    VICTORIA, TX (FHA|USDA|VA) 1 $615,000 $615,000 $8,039 5.90%
    Gaffney, SC (FHA|USDA|VA) 6 $610,000 $101,667 $4,942 6.27%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $605,000 $605,000 $5,087 6.63%
    WENATCHEE, WA (FHA|USDA|VA) 1 $605,000 $605,000 $4,295 6.00%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $585,000 $585,000 $4,515 6.88%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $575,000 $191,667 $8,298 6.95%
    Traverse City, MI (FHA|USDA|VA) 1 $555,000 $555,000 $7,922 6.88%
    DULUTH, MN-WI (FHA|USDA|VA) 1 $555,000 $555,000 $3,266 6.13%
    ALBANY, GA (FHA|USDA|VA) 1 $545,000 $545,000 $5,006 6.93%
    COLUMBIA, MO (FHA|USDA|VA) 1 $535,000 $535,000 $2,747 6.88%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $535,000 $535,000 $5,758 6.13%
    WORCESTER, MA-CT (FHA|USDA|VA) 1 $505,000 $505,000 $3,860 6.88%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $505,000 $505,000 $7,894 6.25%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $495,000 $495,000 $2,819 6.13%
    JACKSON, TN (FHA|USDA|VA) 1 $485,000 $485,000 $4,801 6.08%
    Lebanon, NH-VT (FHA|USDA|VA) 1 $485,000 $485,000 $3,448 5.38%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $475,000 $475,000 $4,179 6.85%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $460,000 $230,000 $11,814 5.93%
    COLUMBUS, GA-AL (FHA|USDA|VA) 2 $460,000 $230,000 $4,077 6.25%
    Silver City, NM (FHA|USDA|VA) 1 $455,000 $455,000 $4,857 6.10%
    VALLEJO, CA (FHA|USDA|VA) 2 $450,000 $225,000 $0 6.49%
    Waycross, GA (FHA|USDA|VA) 1 $425,000 $425,000 $0 5.99%
    LANCASTER, PA (FHA|USDA|VA) 1 $425,000 $425,000 $5,920 6.00%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 3 $385,000 $128,333 $4,190 7.58%
    SHEBOYGAN, WI (FHA|USDA|VA) 1 $375,000 $375,000 $3,524 7.50%
    Pahrump, NV (FHA|USDA|VA) 1 $365,000 $365,000 $4,306 6.88%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $365,000 $365,000 $2,425 5.88%
    Crossville, TN (FHA|USDA|VA) 1 $355,000 $355,000 $2,789 6.25%
    Union, SC (FHA|USDA|VA) 3 $345,000 $115,000 $5,014 6.20%
    ERIE, PA (FHA|USDA|VA) 2 $340,000 $170,000 $5,411 6.81%
    VALDOSTA, GA (FHA|USDA|VA) 1 $315,000 $315,000 $4,216 7.00%
    Jefferson, GA (FHA|USDA|VA) 3 $315,000 $105,000 $0 5.99%
    Cornelia, GA (FHA|USDA|VA) 1 $315,000 $315,000 $5,569 5.63%
    BEND, OR (FHA|USDA|VA) 1 $315,000 $315,000 $4,407 6.50%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $275,000 $275,000 $3,631 5.98%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $275,000 $275,000 $5,812 7.75%
    MODESTO, CA (FHA|USDA|VA) 1 $265,000 $265,000 $0 5.99%
    SALEM, OR (FHA|USDA|VA) 1 $255,000 $255,000 $3,023 6.28%
    McAlester, OK (FHA|USDA|VA) 1 $255,000 $255,000 $4,193 6.55%
    LUBBOCK, TX (FHA|USDA|VA) 1 $255,000 $255,000 $4,682 5.98%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $255,000 $255,000 $0 6.49%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $255,000 $255,000 $0 6.49%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $245,000 $245,000 $3,733 7.50%
    Statesboro, GA (FHA|USDA|VA) 2 $240,000 $120,000 $7,606 5.62%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $225,000 $225,000 $2,423 6.50%
    Arcadia, FL (FHA|USDA|VA) 1 $225,000 $225,000 $2,583 6.50%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $215,000 $215,000 $3,492 6.50%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $210,000 $105,000 $0 5.99%
    Stephenville, TX (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.99%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $205,000 $205,000 $4,383 6.63%
    Moses Lake, WA (FHA|USDA|VA) 1 $195,000 $195,000 $0 6.49%
    Whitewater, WI (FHA|USDA|VA) 1 $195,000 $195,000 $0 6.35%
    Bay City, TX (FHA|USDA|VA) 1 $195,000 $195,000 $8,020 6.00%
    Auburn, NY (FHA|USDA|VA) 1 $185,000 $185,000 $3,901 6.50%
    Beaver Dam, WI (FHA|USDA|VA) 1 $175,000 $175,000 $3,168 6.13%
    Norfolk, NE (FHA|USDA|VA) 1 $175,000 $175,000 $0 6.90%
    Dublin, GA (FHA|USDA|VA) 1 $175,000 $175,000 $3,448 5.88%
    Centralia, WA (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.99%
    Weatherford, OK (FHA|USDA|VA) 1 $135,000 $135,000 $3,362 7.25%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $125,000 $125,000 $4,031 6.88%
    CLEVELAND, TN (FHA|USDA|VA) 2 $110,000 $55,000 $0 6.24%
    Lexington, NE (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.99%
    YUMA, AZ (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.99%
    Fremont, NE (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.99%
    LINCOLN, NE (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.99%
    HINESVILLE, GA (FHA|USDA|VA) 1 $35,000 $35,000 $375 6.20%
    BECKLEY, WV (FHA|USDA|VA) 1 $35,000 $35,000 $0 8.74%
    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)
  • New York (FHA|USDA|VA)

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 8,124 $1,656,140,000 $203,858 n/a 6.17%
    Conventional 6,619 $4,177,375,000 $631,119 $4,598 6.44%
    FHA 332 $117,180,000 $352,952 $12,245 5.61%
    VA 67 $23,565,000 $351,716 $7,090 5.82%
    USDA 20 $4,640,000 $232,000 $7,334 5.96%

    For 2024, First-citizens Bank & Trust Company's most frequently originated type of loan was HELOC, with 8,124 originations. Their 2nd most popular type was Conventional, with 6,619 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,502 $3,194,240,000 $709,516 $6,491 6.39%
    Home Improvement 3,774 $699,470,000 $185,339 $1,560 6.18%
    Other 3,442 $735,740,000 $213,754 $1,976 6.16%
    Refi 3,228 $1,152,150,000 $356,924 $3,200 6.30%
    Cash Out Refi 216 $197,300,000 $913,426 $5,102 6.54%

    For 2024, First-citizens Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 4,502 originations. The 2nd most popular reason was Home Improvement, with 3,774 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 8,274 $2,054,390,000 $248,295 $2,213 6.17%
    30 Year 4,434 $3,231,390,000 $728,775 $6,448 6.41%
    15 Year 986 $161,210,000 $163,499 $1,932 6.35%
    10 Year 690 $121,420,000 $175,971 $1,806 6.37%
    20 Year 358 $74,750,000 $208,799 $3,072 6.38%
    5 Year 340 $219,700,000 $646,176 $570 6.10%
    3 Year 64 $106,840,000 $1,669,375 $0 6.57%
    1 Year 16 $9,200,000 $575,000 $7,045 7.91%

    For 2024, First-citizens Bank & Trust Company's most frequently cited loan duration was Other, with 8,274 originations. The 2nd most popular length was 30 Year, with 4,434 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,363 $965,745,000 $408,694
    $<1k 2,219 $1,182,685,000 $532,981
    $2k-3k 997 $620,775,000 $622,643
    $5k+ 410 $294,440,000 $718,146
    $3k-4k 318 $173,930,000 $546,950
    $4k-5k 163 $87,555,000 $537,147

    First-citizens Bank & Trust Company's average total fees were $6,448, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,363 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 7,760 $2,583,990,000 $332,988
    6-7% 6,290 $2,658,430,000 $422,644
    7-8% 763 $586,745,000 $768,997
    Over 8% 234 $77,380,000 $330,684
    4-5% 82 $67,120,000 $818,537
    <2.5% 24 $550,000 $22,917
    3-4% 9 $4,685,000 $520,556

    During 2024, First-citizens Bank & Trust Company's average interest rate for loans was 6.41%, while their most frequently originated rate bucket for loans was 5-6%, with 7,760 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 4,358 $557,100,000 $127,834 $2,962 6.23%
    $200k-400k 3,444 $957,770,000 $278,098 $5,158 6.33%
    $100,000 or less 3,388 $207,640,000 $61,287 $1,138 6.21%
    $400k-600k 1,716 $831,030,000 $484,283 $6,726 6.34%
    $600k-1MM 1,189 $896,135,000 $753,688 $6,733 6.35%
    $1MM+ 1,067 $2,529,225,000 $2,370,408 $8,145 6.22%

    2024 saw First-citizens Bank & Trust Company place emphasis on $100k-200k loans with 4,358 originations, totaling $557,100,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 4,442 $3,004,060,000 $676,285 $5,989 6.27%
    $150k-250k 3,346 $864,880,000 $258,482 $4,787 6.31%
    $100k-150k 2,892 $559,170,000 $193,351 $5,052 6.26%
    $75k-100k 1,550 $238,570,000 $153,916 $4,726 6.19%
    $50k-75k 1,422 $171,150,000 $120,359 $3,886 6.20%
    $50k or less 656 $53,930,000 $82,210 $3,031 6.23%

    First-citizens Bank & Trust Company lent most frequently to those with incomes in the $250k+ range, with 4,442 originations. The second most popular income band? $150k-250k, with 3,346 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 3,309 $973,075,000 $294,069 $4,129 6.25%
    30-36% 2,604 $844,180,000 $324,186 $4,628 6.27%
    <20% 1,752 $535,500,000 $305,651 $4,029 6.21%
    44% 1,557 $466,005,000 $299,297 $4,850 6.26%
    43% 687 $248,345,000 $361,492 $5,407 6.29%
    42% 568 $210,120,000 $369,930 $4,891 6.32%
    39% 530 $212,300,000 $400,566 $4,907 6.29%
    40% 530 $174,880,000 $329,962 $5,003 6.30%
    41% 511 $189,755,000 $371,341 $5,492 6.30%
    37% 475 $157,215,000 $330,979 $4,606 6.29%
    36% 445 $162,665,000 $365,539 $5,192 6.31%
    38% 444 $163,870,000 $369,077 $4,511 6.31%
    45% 342 $116,510,000 $340,673 $5,917 6.20%
    50-60% 210 $164,150,000 $781,667 $10,876 5.91%
    46% 164 $87,720,000 $534,878 $6,875 6.22%
    49% 162 $95,840,000 $591,605 $7,483 6.30%
    48% 153 $94,215,000 $615,784 $6,855 6.23%
    47% 133 $67,765,000 $509,511 $6,380 6.34%
    >60% 13 $4,205,000 $323,462 $4,940 6.65%

    First-citizens Bank & Trust Company lent most frequently to those with DTI ratios of 20-30%, with 3,309 originations. The next most common DTI ratio? 30-36%, with 2,604 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 11,582 $3,809,220,000 $328,891 $4,817 6.27%
    Not applicable 448 $971,200,000 $2,167,857 $10,853 6.51%
    Not provided 1,607 $575,265,000 $357,974 $4,696 6.26%
    Asian 620 $357,940,000 $577,323 $6,839 6.25%
    Black 695 $160,645,000 $231,144 $5,986 6.18%
    Asian Indian 46 $54,760,000 $1,190,435 $5,797 5.97%
    American Indian 75 $23,735,000 $316,467 $7,024 6.37%
    Native Hawaiian or Islander 36 $10,140,000 $281,667 $5,161 6.42%
    Other Asian 18 $7,140,000 $396,667 $3,433 6.51%
    Chinese 7 $5,005,000 $715,000 $4,134 6.30%
    Other Pacific Islander 23 $2,495,000 $108,478 $1,304 5.91%
    Japanese 1 $1,005,000 $1,005,000 $0 5.99%
    Filipino 3 $295,000 $98,333 $0 6.24%
    Vietnamese 1 $55,000 $55,000 $0 5.99%

    Approval Rates

    Total approvals of all applications
    79.04%

    First-citizens Bank & Trust Company has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    86.65%

    First-citizens Bank & Trust Company has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 15,162 $5,978,900,000 $394,335

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    15,162 $5,978,900,000 $394,335

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 4,550 $947,110,000 $208,156 $2,666 6.22%
    40-60% 1,896 $1,187,890,000 $626,524 $4,637 6.29%
    60-80% 2,164 $1,785,800,000 $825,231 $6,136 6.43%
    80-100% 2,728 $1,642,730,000 $602,174 $6,757 6.40%
    Over 100% 13 $27,595,000 $2,122,692 $11,332 6.26%
    Under 20% 3,811 $387,775,000 $101,752 $1,158 6.14%