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First-Citizens Bank & Trust Company
Bank|Raleigh, NC|Near-National
Loans Originated
4,619
Applications
6,974
Volume
$2 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Strong
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.040%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,083
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
66.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 4.00 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Report Card
First-Citizens Bank & Trust Company performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 50 metro areas · 39 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$582,603
Average Borrower Income
$296,377
Average Property Value
$829,854
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Sound | Sound | 3,279 | 71.0% | +0.026% | $1,279 |
FHA Loans | Strong | Strong | Exceptional | Sound | 324 | 7.0% | -0.281% | -$230 |
VA Loans | Strong | Strong | Exceptional | Sound | 63 | 1.4% | -0.771% | $930 |
Jumbo Loans | Strong | Exceptional | Strong | Strong | 934 | 20.2% | -0.168% | $791 |
USDA Loans | Strong | Strong | N/A | Strong | 19 | 0.4% | -0.139% | $1,138 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Sound | 3,778 | 81.8% | -0.047% | $1,011 |
Refinance | Strong | Strong | Sound | Strong | 841 | 18.2% | -0.011% | $1,372 |
Geographic Coverage
Metro Areas
49
States Served
39
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALAZCACOCTDCFLGAHIIDILKSMAMDMIMNMOMTNCNENHNJNMNVNYOHOKORPARISCTNTXUTVAVTWAWIWV
Top Metro Areas by Place Specialization Score
1
Charleston, SCMSA
Volume: 249Mix: 5.39%
Place Specialization
Exceptional
2
Columbia, SC, SCMSA
Volume: 240Mix: 5.20%
Place Specialization
Exceptional
3
Raleigh, NCMSA
Volume: 363Mix: 7.86%
Place Specialization
Exceptional
4
Wilmington, NC, NCMSA
Volume: 168Mix: 3.64%
Place Specialization
Exceptional
5
Asheville, NC, NCMSA
Volume: 107Mix: 2.32%
Place Specialization
Exceptional
6
San Francisco, CAMSA
Volume: 146Mix: 3.16%
Place Specialization
Strong
7
Durham, NCMSA
Volume: 136Mix: 2.94%
Place Specialization
Strong
8
Greenville, SCMSA
Volume: 155Mix: 3.36%
Place Specialization
Strong
9
Charlotte, NC-SCMSA
Volume: 267Mix: 5.78%
Place Specialization
Strong
10
Spartanburg, SC, SCMSA
Volume: 78Mix: 1.69%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
SCState
Volume: 1,145Mix: 24.79%
Place Specialization
Exceptional
2
NCState
Volume: 1,922Mix: 41.61%
Place Specialization
Exceptional
3
CAState
Volume: 660Mix: 14.29%
Place Specialization
Strong
4
VAState
Volume: 165Mix: 3.57%
Place Specialization
Strong
5
GAState
Volume: 130Mix: 2.81%
Place Specialization
Strong
6
MAState
Volume: 96Mix: 2.08%
Place Specialization
Sound
7
FLState
Volume: 117Mix: 2.53%
Place Specialization
Sound
8
TNState
Volume: 48Mix: 1.04%
Place Specialization
Sound
9
NYState
Volume: 39Mix: 0.84%
Place Specialization
Sound
10
WAState
Volume: 29Mix: 0.63%
Place Specialization
Sound
Showing 10 of 22 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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