What loan types does First-Citizens Bank & Trust Company offer?

First-Citizens Bank & Trust Company offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does First-Citizens Bank & Trust Company offer mortgages?

First-Citizens Bank & Trust Company offers mortgages in 39 states: AL, AZ, CA, CO, CT, DC, FL, GA, HI, ID, IL, KS, MA, MD, MI, MN, MO, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV.

How competitive are First-Citizens Bank & Trust Company's mortgage rates?

First-Citizens Bank & Trust Company has an overall pricing score of 60.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First-Citizens Bank & Trust Company?

First-Citizens Bank & Trust Company is a Bank headquartered in Raleigh, NC.

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First-Citizens Bank & Trust Company

Bank•Raleigh, NCHQ•Direct•Reviews near you on Google

We analyzed every closed loan from First-Citizens Bank & Trust Company — 4.6k loans across 7k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

3/5

Near-National · 49 mkts

Awards

Jumbo

Champion

Conventional

Superstar

FHA

Superstar

Purchase

Superstar

Refinance

Superstar

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

Explore another lender or local market

Report Card

First-Citizens Bank & Trust Company performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 4.0 bps below market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

Jumbo

Exceptional

Top 10% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 50 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Sound	Sound	3,279	71.0%	+0.026%Above	$1,279Fees
FHA Loans	Strong	Strong	Exceptional	Sound	324	7.0%	-0.281%Below	$230Credit
VA Loans	Strong	Strong	Exceptional	Sound	63	1.4%	-0.771%Below	$930Fees
Jumbo Loans	Exceptional	Exceptional	Strong	Strong	934	20.2%	-0.168%Below	$791Fees
USDA Loans	Strong	Strong	—	Strong	19	0.4%	-0.139%Below	$1,138Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume3,279

Mix71.0%

Spread

+0.026%Above

Fees

$1,279Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Sound

Volume324

Mix7.0%

Spread

-0.281%Below

Fees

$230Credit

VA Loans

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Sound

Volume63

Mix1.4%

Spread

-0.771%Below

Fees

$930Fees

Jumbo Loans

Overall

Exceptional

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume934

Mix20.2%

Spread

-0.168%Below

Fees

$791Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume19

Mix0.4%

Spread

-0.139%Below

Fees

$1,138Fees

Loan Purpose Performance

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%Below	$1,011Fees
Refinance	Strong	Strong	Sound	Strong	841	18.2%	-0.011%Below	$1,372Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume3,778

Mix81.8%

Spread

-0.047%Below

Fees

$1,011Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume841

Mix18.2%

Spread

-0.011%Below

Fees

$1,372Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

4,619

Applications

6,974

Volume

$2 billion

Pricing & Closing

Avg Rate Spread

-0.040%

vs. market APOR

Avg Net Fees

$1,083

Origination − Credits

Pullthrough Rate

66.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$582,603

Avg Borrower Income

$296,377

Avg Property Value

$829,854

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast8

CTMANHNJNYPARIVT

Midwest8

ILKSMIMNMONEOHWI

South12

ALDCFLGAMDNCOKSCTNTXVAWV

West11

AZCACOHIIDMTNMNVORUTWA

Top Metro Areas by Place Specialization Score

1© WeaponizingArchitecture · CC BY-SA 4.0

Charleston, SCMetro

Volume 249Mix 5.39% of portfolio

86/100

Exceptional

2© Thomas Kirchel · CC BY-SA 4.0

Columbia, SCMetro

Volume 240Mix 5.20% of portfolio

85/100

Exceptional

3© Catherine from Brooklyn, NY · CC BY 2.0

Raleigh, NCMetro

Volume 363Mix 7.86% of portfolio

84/100

Exceptional

Wilmington, NCMetro

Volume 168Mix 3.64% of portfolio

84/100

Exceptional

Asheville, NCMetro

Volume 107Mix 2.32% of portfolio

80/100

Exceptional

San Francisco, CAMetro

Volume 146Mix 3.16% of portfolio

79/100

Strong

Durham, NCMetro

Volume 136Mix 2.94% of portfolio

79/100

Strong

Greenville, SCMetro

Volume 155Mix 3.36% of portfolio

79/100

Strong

Charlotte, NC-SCMetro

Volume 267Mix 5.78% of portfolio

77/100

Strong

Spartanburg, SCMetro

Volume 78Mix 1.69% of portfolio

73/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

South CarolinaState

Volume 1,145Mix 24.79% of portfolio

92/100

Exceptional

North CarolinaState

Volume 1,922Mix 41.61% of portfolio

87/100

Exceptional

CaliforniaState

Volume 660Mix 14.29% of portfolio

72/100

Strong

VirginiaState

Volume 165Mix 3.57% of portfolio

65/100

Strong

GeorgiaState

Volume 130Mix 2.81% of portfolio

60/100

Strong

MassachusettsState

Volume 96Mix 2.08% of portfolio

59/100

Sound

FloridaState

Volume 117Mix 2.53% of portfolio

54/100

Sound

TennesseeState

Volume 48Mix 1.04% of portfolio

51/100

Sound

New YorkState

Volume 39Mix 0.84% of portfolio

49/100

Sound

WashingtonState

Volume 29Mix 0.63% of portfolio

47/100

Sound

Showing 10 of 22 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.