First-Citizens Bank & Trust in California vs the state
20.2%Denial rate+2.73 pts vs state
23.6%Decision denial rate+1.20 pts vs state
63.5%Origination rate+7.27 pts vs state
6.01%Median rate-0.62 pts vs state
0.00Rate spread (pts)-0.27 pts vs state
$141kMedian applicant income
1,383Loans originated
439Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,062 | 1,426 | 13.2% | 5.78% | #77 |
| 2024 | 1,732 | 1,082 | 19.5% | 6.00% | #99 |
| 2025 | 2,179 | 1,383 | 20.2% | 6.01% | #97 |
What First-Citizens Bank & Trust lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most First-Citizens Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 797 | 460 | 209 | 26.2% |
| San Bernardino County | 213 | 135 | 45 | 21.1% |
| Riverside County | 190 | 126 | 31 | 16.3% |
| San Diego County | 181 | 110 | 41 | 22.7% |
| Orange County | 177 | 90 | 50 | 28.2% |
| San Francisco County | 155 | 141 | 2 | 1.3% |
| Santa Clara County | 124 | 101 | 6 | 4.8% |
| Contra Costa County | 65 | 46 | 11 | 16.9% |
| Sacramento County | 61 | 46 | 5 | 8.2% |
| San Mateo County | 48 | 26 | 9 | 18.8% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 2,179 applications in 2025, of which 1,383 were originated and 439 denied.
20.2% of all applications, or 23.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans First-Citizens Bank & Trust originated in California in 2025 was 6.01%, against a statewide median of 6.63%.
About this data. Figures are First-Citizens Bank & Trust's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology