First Citizens Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
93rd1.0% deniedProcesswithdrawn + incomplete share, weight 15%
95th0.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 116 | 94 | 12.1% | 12.1% | — | $7.3M |
| 2024 | 90 | 78 | 8.9% | 8.9% | — | $6.1M |
| 2025 | 105 | 103 | 1.0% | 1.0% | — | $13M |
What First Citizens Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 36 manufactured homes, 32 investment properties.
Who gets approved at First Citizens Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 20 | 18 | 5.0% |
| $50k – $100k | 39 | 39 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 45–54 | 23 | 22 | 0.0% |
Where First Citizens Bank lends
2 states and 12 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Alabama | 103 | 101 | 1.0% | — | #228 |
Frequently asked questions
First Citizens Bank denied 1.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 93rd percentile of small mortgage lenders.
In 2025, 50% of its applications were for home purchases, 27% for refinancing (including cash-out), and 23% for home improvement or other purposes. By loan type: 99% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.