First-Citizens Bank & Trust in Florida vs the state
23.8%Denial rate+2.73 pts vs state
28.2%Decision denial rate+0.96 pts vs state
58.6%Origination rate+5.90 pts vs state
6.00%Median rate-0.63 pts vs state
-0.22Rate spread (pts)-0.49 pts vs state
$236kMedian applicant income
266Loans originated
108Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 568 | 339 | 23.2% | 6.13% | #215 |
| 2024 | 550 | 297 | 25.1% | 5.99% | #232 |
| 2025 | 454 | 266 | 23.8% | 6.00% | #252 |
What First-Citizens Bank & Trust lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most First-Citizens Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 66 | 33 | 17 | 25.8% |
| Palm Beach County | 64 | 39 | 14 | 21.9% |
| Broward County | 54 | 29 | 16 | 29.6% |
| Hillsborough County | 31 | 14 | 9 | 29.0% |
| Collier County | 25 | 18 | 4 | 16.0% |
| Duval County | 25 | 17 | 6 | 24.0% |
| Orange County | 22 | 13 | 5 | 22.7% |
| Pinellas County | 19 | 9 | 5 | 26.3% |
| Lee County | 15 | 9 | 5 | 33.3% |
| Seminole County | 15 | 11 | 3 | 20.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 454 applications in 2025, of which 266 were originated and 108 denied.
23.8% of all applications, or 28.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans First-Citizens Bank & Trust originated in Florida in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are First-Citizens Bank & Trust's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology