First-citizens Bank & Trust Company Mortgage Rates, Fees & Info
Raleigh, NCLEI: L9VVX1KT5TFTKS0MLF66
Tax ID: 56-0223230
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Mortgage Data
Review & Overview
First-citizens Bank & Trust Company is a mid-sized bank specializing in Home Purchase and Refi 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, Charleston, and Asheville among others. We have data for 245 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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/28/24 |
| 30 Year Conventional Purchase | 6.20% | 4/28/24 |
| 30 Year Conventional Refi | 6.29% | 4/28/24 |
| 30 Year Cash-out Refi | 6.45% | 4/28/24 |
| 30 Year FHA Purchase | 7.10% | 4/28/24 |
| 30 Year FHA Refi | 7.07% | 4/28/24 |
| 30 Year VA Purchase | 6.25% | 4/28/24 |
| 30 Year VA Refi | 5.89% | 4/28/24 |
| 30 Year USDA Purchase | 6.62% | 4/28/24 |
| 15 Year Conventional Purchase | 5.79% | 4/28/24 |
| 15 Year Conventional Refi | 5.85% | 4/28/24 |
| 15 Year Cash-out Refi | 5.85% | 4/28/24 |
| 15 Year FHA Refi | 7.23% | 4/28/24 |
| 15 Year VA Refi | 5.68% | 4/28/24 |
| 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
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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
19,096Origination Dollar Volume (All Markets)
$6,467,570,000Awards
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First-Citizens Bank & Trust Company - 2022
First-Citizens Bank & Trust Company is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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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) | 621 | $756,355,000 | $1,217,963 | $9,446 | 4.12% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2,132 | $536,330,000 | $251,562 | $3,211 | 4.70% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2,283 | $526,605,000 | $230,664 | $3,186 | 4.72% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1,114 | $408,010,000 | $366,257 | $4,697 | 4.71% |
| ASHEVILLE, NC (FHA|USDA|VA) | 744 | $214,120,000 | $287,796 | $3,440 | 4.57% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 685 | $207,055,000 | $302,270 | $3,595 | 4.58% |
| Outside of Metro Areas | 969 | $192,525,000 | $198,684 | $3,224 | 4.47% |
| COLUMBIA, SC (FHA|USDA|VA) | 965 | $190,595,000 | $197,508 | $3,570 | 4.75% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 126 | $176,240,000 | $1,398,730 | $8,133 | 4.31% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 665 | $163,605,000 | $246,023 | $3,426 | 4.73% |
| WILMINGTON, NC (FHA|USDA|VA) | 610 | $163,570,000 | $268,148 | $3,371 | 4.68% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 70 | $162,590,000 | $2,322,714 | $8,054 | 4.47% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 537 | $138,925,000 | $258,706 | $3,833 | 4.59% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 128 | $131,770,000 | $1,029,453 | $9,302 | 4.24% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 67 | $98,685,000 | $1,472,910 | $7,420 | 3.91% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 120 | $87,430,000 | $728,583 | $9,587 | 4.53% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 413 | $84,445,000 | $204,467 | $3,338 | 4.68% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 453 | $84,335,000 | $186,170 | $2,700 | 4.66% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 203 | $80,455,000 | $396,330 | $4,358 | 4.59% |
| Morehead City, NC (FHA|USDA|VA) | 243 | $71,825,000 | $295,576 | $3,789 | 4.48% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 113 | $70,105,000 | $620,398 | $10,299 | 4.46% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 170 | $65,550,000 | $385,588 | $4,059 | 4.40% |
| NEW BERN, NC (FHA|USDA|VA) | 248 | $65,470,000 | $263,992 | $3,780 | 4.61% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 344 | $65,400,000 | $190,116 | $2,925 | 4.62% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 178 | $61,630,000 | $346,236 | $4,574 | 4.72% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 47 | $60,505,000 | $1,287,340 | $7,424 | 4.51% |
| SPARTANBURG, SC (FHA|USDA|VA) | 317 | $56,035,000 | $176,767 | $3,270 | 4.64% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 265 | $54,695,000 | $206,396 | $2,951 | 4.46% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 11 | $52,715,000 | $4,792,273 | $4,798 | 4.56% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 131 | $51,335,000 | $391,870 | $5,117 | 4.60% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 52 | $50,150,000 | $964,423 | $6,432 | 4.44% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 297 | $46,115,000 | $155,269 | $2,930 | 4.70% |
| ROANOKE, VA (FHA|USDA|VA) | 213 | $45,275,000 | $212,559 | $3,213 | 4.61% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 34 | $45,260,000 | $1,331,176 | $5,341 | 4.73% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 36 | $41,640,000 | $1,156,667 | $5,939 | 3.82% |
| RICHMOND, VA (FHA|USDA|VA) | 180 | $39,200,000 | $217,778 | $2,992 | 4.71% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 59 | $38,735,000 | $656,525 | $4,999 | 4.65% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 42 | $38,370,000 | $913,571 | $9,642 | 4.11% |
| Cullowhee, NC (FHA|USDA|VA) | 84 | $36,400,000 | $433,333 | $5,234 | 4.29% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $36,080,000 | $18,040,000 | $5,759 | 3.29% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 147 | $34,975,000 | $237,925 | $3,163 | 4.68% |
| GREENVILLE, NC (FHA|USDA|VA) | 156 | $34,240,000 | $219,487 | $3,349 | 4.71% |
| Georgetown, SC (FHA|USDA|VA) | 83 | $29,815,000 | $359,217 | $4,065 | 4.38% |
| FLORENCE, SC (FHA|USDA|VA) | 209 | $28,735,000 | $137,488 | $3,004 | 4.46% |
| Boone, NC (FHA|USDA|VA) | 72 | $28,490,000 | $395,694 | $4,432 | 4.64% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 102 | $28,370,000 | $278,137 | $3,366 | 4.50% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 21 | $25,245,000 | $1,202,143 | $6,511 | 4.41% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 31 | $24,935,000 | $804,355 | $6,999 | 4.53% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 21 | $24,385,000 | $1,161,190 | $9,547 | 3.86% |
| Brevard, NC (FHA|USDA|VA) | 95 | $23,635,000 | $248,789 | $3,558 | 4.38% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 55 | $22,245,000 | $404,455 | $5,739 | 4.54% |
| LYNCHBURG, VA (FHA|USDA|VA) | 114 | $20,850,000 | $182,895 | $2,755 | 4.33% |
| Seneca, SC (FHA|USDA|VA) | 58 | $19,450,000 | $335,345 | $4,219 | 4.18% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 30 | $19,230,000 | $641,000 | $5,215 | 4.12% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 47 | $18,535,000 | $394,362 | $5,137 | 4.85% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 95 | $17,985,000 | $189,316 | $3,482 | 4.99% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 31 | $17,825,000 | $575,000 | $8,910 | 4.45% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 12 | $16,170,000 | $1,347,500 | $8,244 | 3.98% |
| Greenwood, SC (FHA|USDA|VA) | 75 | $16,055,000 | $214,067 | $4,124 | 4.59% |
| KNOXVILLE, TN (FHA|USDA|VA) | 33 | $15,985,000 | $484,394 | $6,588 | 4.67% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 26 | $12,760,000 | $490,769 | $6,370 | 4.83% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 18 | $12,080,000 | $671,111 | $6,496 | 4.53% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $11,505,000 | $11,505,000 | $0 | 3.86% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 25 | $11,215,000 | $448,600 | $5,891 | 4.78% |
| SAVANNAH, GA (FHA|USDA|VA) | 46 | $10,880,000 | $236,522 | $4,805 | 5.03% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 10 | $10,870,000 | $1,087,000 | $8,732 | 3.50% |
| Forest City, NC (FHA|USDA|VA) | 41 | $10,775,000 | $262,805 | $3,300 | 4.43% |
| Orangeburg, SC (FHA|USDA|VA) | 63 | $9,955,000 | $158,016 | $3,034 | 4.39% |
| SUMTER, SC (FHA|USDA|VA) | 67 | $9,895,000 | $147,687 | $3,288 | 4.56% |
| Sevierville, TN (FHA|USDA|VA) | 9 | $9,725,000 | $1,080,556 | $8,185 | 4.83% |
| SALINAS, CA (FHA|USDA|VA) | 7 | $9,605,000 | $1,372,143 | $12,023 | 4.14% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 16 | $9,550,000 | $596,875 | $4,266 | 4.24% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 19 | $9,295,000 | $489,211 | $6,285 | 4.15% |
| GOLDSBORO, NC (FHA|USDA|VA) | 69 | $9,275,000 | $134,420 | $1,966 | 4.62% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 56 | $9,230,000 | $164,821 | $2,621 | 4.57% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 48 | $9,210,000 | $191,875 | $2,590 | 4.43% |
| STAUNTON, VA (FHA|USDA|VA) | 41 | $7,865,000 | $191,829 | $3,291 | 4.09% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 13 | $7,675,000 | $590,385 | $9,559 | 5.05% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 20 | $7,660,000 | $383,000 | $5,391 | 4.17% |
| BURLINGTON, NC (FHA|USDA|VA) | 34 | $7,520,000 | $221,176 | $3,261 | 4.60% |
| Danville, VA (FHA|USDA|VA) | 54 | $7,280,000 | $134,815 | $2,938 | 4.62% |
| Albemarle, NC (FHA|USDA|VA) | 41 | $7,075,000 | $172,561 | $2,766 | 4.40% |
| North Wilkesboro, NC (FHA|USDA|VA) | 29 | $6,935,000 | $239,138 | $3,632 | 4.61% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 14 | $6,870,000 | $490,714 | $8,643 | 4.31% |
| Marion, NC (FHA|USDA|VA) | 34 | $6,750,000 | $198,529 | $3,043 | 4.69% |
| Washington, NC (FHA|USDA|VA) | 32 | $6,730,000 | $210,313 | $2,751 | 4.47% |
| Kinston, NC (FHA|USDA|VA) | 56 | $6,700,000 | $119,643 | $2,898 | 5.09% |
| Wilson, NC (FHA|USDA|VA) | 38 | $6,440,000 | $169,474 | $3,357 | 4.81% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 31 | $6,425,000 | $207,258 | $2,906 | 4.43% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 50 | $6,230,000 | $124,600 | $2,453 | 4.85% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 27 | $6,215,000 | $230,185 | $3,241 | 4.74% |
| Sanford, NC (FHA|USDA|VA) | 43 | $6,175,000 | $143,605 | $3,278 | 5.05% |
| BEND, OR (FHA|USDA|VA) | 6 | $5,650,000 | $941,667 | $12,482 | 4.30% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 6 | $5,240,000 | $873,333 | $7,444 | 4.72% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 6 | $5,210,000 | $868,333 | $6,772 | 3.88% |
| RENO, NV (FHA|USDA|VA) | 9 | $5,065,000 | $562,778 | $4,153 | 3.89% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 9 | $4,815,000 | $535,000 | $4,491 | 4.64% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 13 | $4,795,000 | $368,846 | $4,337 | 4.67% |
| Mount Airy, NC (FHA|USDA|VA) | 31 | $4,695,000 | $151,452 | $2,920 | 4.86% |
| Newberry, SC (FHA|USDA|VA) | 28 | $4,580,000 | $163,571 | $3,207 | 4.73% |
| Toccoa, GA (FHA|USDA|VA) | 30 | $4,480,000 | $149,333 | $2,178 | 4.34% |
| Key West, FL (FHA|USDA|VA) | 3 | $4,465,000 | $1,488,333 | $8,680 | 4.40% |
| HARRISONBURG, VA (FHA|USDA|VA) | 24 | $4,450,000 | $185,417 | $2,713 | 4.71% |
| VALLEJO, CA (FHA|USDA|VA) | 4 | $4,210,000 | $1,052,500 | $10,421 | 3.99% |
| Breckenridge, CO (FHA|USDA|VA) | 5 | $4,205,000 | $841,000 | $3,672 | 4.94% |
| STOCKTON, CA (FHA|USDA|VA) | 5 | $4,095,000 | $819,000 | $5,547 | 4.34% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 5 | $3,825,000 | $765,000 | $7,130 | 4.71% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $3,770,000 | $1,885,000 | $11,706 | 3.66% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 3 | $3,705,000 | $1,235,000 | $5,763 | 4.80% |
| GAINESVILLE, FL (FHA|USDA|VA) | 4 | $3,580,000 | $895,000 | $8,066 | 3.78% |
| PROVO-OREM, UT (FHA|USDA|VA) | 4 | $3,550,000 | $887,500 | $5,859 | 4.57% |
| Henderson, NC (FHA|USDA|VA) | 13 | $3,235,000 | $248,846 | $4,851 | 4.61% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 6 | $3,230,000 | $538,333 | $5,995 | 4.54% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 5 | $3,215,000 | $643,000 | $4,037 | 4.95% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 4 | $3,180,000 | $795,000 | $4,609 | 4.43% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 5 | $3,125,000 | $625,000 | $4,488 | 4.50% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 5 | $3,105,000 | $621,000 | $7,382 | 3.45% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 4 | $3,070,000 | $767,500 | $6,581 | 4.30% |
| SANTA FE, NM (FHA|USDA|VA) | 5 | $3,065,000 | $613,000 | $6,529 | 4.42% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 14 | $3,020,000 | $215,714 | $2,992 | 4.40% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 14 | $2,870,000 | $205,000 | $1,838 | 4.12% |
| GAINESVILLE, GA (FHA|USDA|VA) | 8 | $2,850,000 | $356,250 | $3,282 | 5.13% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $2,815,000 | $938,333 | $4,715 | 4.36% |
| WENATCHEE, WA (FHA|USDA|VA) | 4 | $2,750,000 | $687,500 | $5,341 | 4.98% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 7 | $2,605,000 | $372,143 | $4,772 | 4.06% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $2,590,000 | $1,295,000 | $10,200 | 4.68% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $2,555,000 | $851,667 | $3,923 | 3.83% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $2,470,000 | $617,500 | $6,757 | 4.03% |
| Shelby, NC (FHA|USDA|VA) | 13 | $2,295,000 | $176,538 | $4,956 | 4.62% |
| Bennettsville, SC (FHA|USDA|VA) | 19 | $2,255,000 | $118,684 | $2,481 | 4.20% |
| BRUNSWICK, GA (FHA|USDA|VA) | 3 | $2,205,000 | $735,000 | $5,086 | 4.17% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $2,185,000 | $728,333 | $7,371 | 4.98% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $2,070,000 | $517,500 | $4,027 | 3.15% |
| Edwards, CO (FHA|USDA|VA) | 2 | $2,070,000 | $1,035,000 | $5,687 | 4.36% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 3 | $2,065,000 | $688,333 | $5,493 | 4.03% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $2,060,000 | $1,030,000 | $12,159 | 4.51% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $2,015,000 | $671,667 | $4,113 | 4.98% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 6 | $1,990,000 | $331,667 | $3,411 | 4.22% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 3 | $1,975,000 | $658,333 | $5,699 | 4.32% |
| Elizabeth City, NC (FHA|USDA|VA) | 12 | $1,930,000 | $160,833 | $4,990 | 4.67% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 5 | $1,725,000 | $345,000 | $3,211 | 4.31% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $1,700,000 | $850,000 | $5,295 | 3.75% |
| Gaffney, SC (FHA|USDA|VA) | 11 | $1,615,000 | $146,818 | $2,768 | 4.63% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $1,595,000 | $1,595,000 | $10,121 | 4.98% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 3 | $1,575,000 | $525,000 | $9,620 | 3.53% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $1,560,000 | $390,000 | $7,276 | 4.94% |
| MADISON, WI (FHA|USDA|VA) | 2 | $1,480,000 | $740,000 | $3,051 | 3.80% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $1,415,000 | $1,415,000 | $20,329 | 3.55% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 4 | $1,410,000 | $352,500 | $3,369 | 5.31% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $1,315,000 | $1,315,000 | $4,744 | 4.34% |
| CHICO, CA (FHA|USDA|VA) | 2 | $1,280,000 | $640,000 | $5,831 | 4.36% |
| Lumberton, NC (FHA|USDA|VA) | 8 | $1,240,000 | $155,000 | $2,853 | 5.09% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $1,165,000 | $1,165,000 | $0 | 3.65% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $4,882 | 5.04% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 6 | $1,120,000 | $186,667 | $5,978 | 4.12% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $1,120,000 | $560,000 | $4,842 | 4.53% |
| Prineville, OR (FHA|USDA|VA) | 1 | $1,095,000 | $1,095,000 | $14,900 | 4.35% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $1,080,000 | $540,000 | $0 | 4.25% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $1,075,000 | $1,075,000 | $19,601 | 5.25% |
| Hilo, HI (FHA|USDA|VA) | 1 | $1,045,000 | $1,045,000 | $7,756 | 3.00% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $1,035,000 | $1,035,000 | $7,748 | 3.50% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $1,030,000 | $515,000 | $0 | 3.24% |
| RACINE, WI (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $1,725 | 5.12% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $3,462 | 4.94% |
| Heber, UT (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $8,124 | 4.33% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $4,249 | 5.06% |
| Montrose, CO (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $5,853 | 3.43% |
| Athens, TX (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $8,689 | 3.08% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $5,284 | 3.95% |
| Union, SC (FHA|USDA|VA) | 7 | $945,000 | $135,000 | $3,446 | 4.97% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $7,148 | 3.71% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $925,000 | $925,000 | $0 | 4.75% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $895,000 | $895,000 | $0 | 3.13% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $875,000 | $875,000 | $4,528 | 4.99% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $5,426 | 3.64% |
| OCALA, FL (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $5,145 | 5.18% |
| TYLER, TX (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $7,355 | 2.90% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $5,084 | 4.71% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $4,323 | 3.28% |
| Laurinburg, NC (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $5,628 | 5.11% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $10,625 | 5.43% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $4,241 | 4.68% |
| SALEM, OR (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $4,725 | 6.27% |
| Astoria, OR (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $4,983 | 6.03% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $7,170 | 3.05% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $4,336 | 5.33% |
| REDDING, CA (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $11,040 | 3.70% |
| Hood River, OR (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $9,835 | 4.25% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $7,845 | 2.78% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $2,382 | 3.88% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $5,960 | 4.44% |
| Martinsville, VA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $5,495 | 4.49% |
| Rockingham, NC (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $3,276 | 4.30% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $7,939 | 4.06% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $5,625 | 4.49% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $5,025 | 5.00% |
| Centralia, WA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $4,866 | 3.88% |
| NAPA, CA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $3,254 | 3.53% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $4,122 | 5.13% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $2,534 | 4.88% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,586 | 4.49% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,859 | 5.30% |
| Deming, NM (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $5,785 | 5.38% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $10,454 | 4.88% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $5,891 | 4.13% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,160 | 4.63% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $0 | 6.12% |
| Jefferson, GA (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $0 | 5.82% |
| CHARLESTON, WV (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $5,017 | 5.19% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,579 | 4.73% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,225 | 5.73% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,736 | 3.74% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,991 | 6.25% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,961 | 4.18% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,051 | 5.53% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,808 | 3.63% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,247 | 5.95% |
| Cornelia, GA (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $2,372 | 4.41% |
| BECKLEY, WV (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,959 | 3.94% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,997 | 3.30% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,398 | 5.45% |
| MERCED, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 4.99% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,441 | 2.88% |
| Newport, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,048 | 4.43% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,629 | 5.15% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,496 | 4.58% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,452 | 3.64% |
| TULSA, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,486 | 4.38% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,778 | 5.84% |
| Fairmont, WV (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,614 | 4.75% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,167 | 4.08% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,922 | 5.50% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,635 | 5.75% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,036 | 6.03% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.99% |
| Bluefield, WV-VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,308 | 2.50% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 4.20% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,278 | 5.78% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.24% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,411 | 7.88% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.10% |
| Waycross, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $1,193 | 4.99% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $380 | 4.49% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 3.74% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.24% |
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Product Mix
For 2022, First-citizens Bank & Trust Company's most frequently originated type of loan was HELOC, with 9,528 originations. Their 2nd most popular type was Conventional, with 9,411 originations.
Loan Reason
For 2022, First-citizens Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 5,249 originations. The 2nd most popular reason was Refi, with 4,615 originations.
Loan Duration/Length
For 2022, First-citizens Bank & Trust Company's most frequently cited loan duration was Other, with 9,842 originations. The 2nd most popular length was 30 Year, with 5,950 originations.
Origination Fees/Closing Costs
First-citizens Bank & Trust Company's average total fees were $5,557, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,851 originations.
Interest Rates
During 2022, First-citizens Bank & Trust Company's average interest rate for loans was 4.26%, while their most frequently originated rate bucket for loans was 3-4%, with 6,395 originations.
Loan Sizing
2022 saw First-citizens Bank & Trust Company place emphasis on $100k-200k loans with 5,858 originations, totaling $759,840,000 in origination value.
Applicant Income
First-citizens Bank & Trust Company lent most frequently to those with incomes in the $250k+ range, with 4,709 originations. The second most popular income band? $150k-250k, with 4,224 originations.
Applicant Debt to Income Ratio
First-citizens Bank & Trust Company lent most frequently to those with DTI ratios of 20-30%, with 4,890 originations. The next most common DTI ratio? 30-36%, with 3,339 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications81.37%
First-citizens Bank & Trust Company has a below average approval rate.
Pick Rate
Approvals leading to origination88.22%
First-citizens Bank & Trust Company has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 19,096 | $6,467,570,000 | $338,687 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 19,096 | $6,467,570,000 | $338,687 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST CITIZENS BANCSHARES, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |