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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Jumbo
Champion
Conventional
Superstar
FHA
Superstar
VA
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
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
3,279 loans · 0.03% above market
Strong
Top 40% of lenders
4/5
FHA
324 loans · 0.28% below market
Strong
Top 40% of lenders
4/5
VA
63 loans · 0.77% below market
Strong
Top 40% of lenders
4/5
Jumbo
934 loans · 0.17% below market
Exceptional
Top 10% of lenders
5/5
USDA
19 loans · 0.14% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
3,778 loans · 0.05% below market
Strong
Top 40% of lenders
4/5
Refinance
841 loans · 0.01% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 50 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 3,279 | 71.0% | +0.026%Above | $1,279Fees | ||||
FHA Loans | 324 | 7.0% | -0.281%Below | $230Credit | ||||
VA Loans | 63 | 1.4% | -0.771%Below | $930Fees | ||||
Jumbo Loans | 934 | 20.2% | -0.168%Below | $791Fees | ||||
USDA Loans | — | 19 | 0.4% | -0.139%Below | $1,138Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughSound
Volume3,279
Mix71.0%
Spread
+0.026%Above
Fees
$1,279Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume324
Mix7.0%
Spread
-0.281%Below
Fees
$230Credit
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume63
Mix1.4%
Spread
-0.771%Below
Fees
$930Fees
Jumbo Loans
OverallExceptional
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume934
Mix20.2%
Spread
-0.168%Below
Fees
$791Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
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 | 3,778 | 81.8% | -0.047%Below | $1,011Fees | ||||
Refinance | 841 | 18.2% | -0.011%Below | $1,372Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume3,778
Mix81.8%
Spread
-0.047%Below
Fees
$1,011Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
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
49
markets with activity
States Served
39
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
39Full-year 2024 · HMDALoans originated
< 1010–2020–5050–100100+None
Northeast8
CTMANHNJNYPARIVT
Midwest8
ILKSMIMNMONEOHWI
South12
ALDCFLGAMDNCOKSCTNTXVAWV
West11
AZCACOHIIDMTNMNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 22 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.