First-Citizens Bank & Trust in Washington vs the state
15.8%Denial rate+0.18 pts vs state
19.2%Decision denial rate-0.35 pts vs state
63.3%Origination rate+2.27 pts vs state
6.38%Median rate-0.25 pts vs state
-0.24Rate spread (pts)-0.43 pts vs state
$298kMedian applicant income
76Loans originated
19Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 119 | 71 | 12.6% | 5.99% | #204 |
| 2024 | 125 | 77 | 16.0% | 5.99% | #208 |
| 2025 | 120 | 76 | 15.8% | 6.38% | #226 |
What First-Citizens Bank & Trust lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most First-Citizens Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 52 | 32 | 11 | 21.2% |
| Pierce County | 22 | 12 | 3 | 13.6% |
| Clark County | 12 | 12 | 0 | 0.0% |
| Snohomish County | 12 | 7 | 3 | 25.0% |
| Thurston County | 11 | 8 | 1 | 9.1% |
| Benton County | 3 | 2 | 1 | 33.3% |
| Pend Oreille County | 2 | 1 | 0 | 0.0% |
| Douglas County | 1 | 1 | 0 | 0.0% |
| Mason County | 1 | 0 | 0 | 0.0% |
| Lewis County | 1 | 0 | 0 | 0.0% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 120 applications in 2025, of which 76 were originated and 19 denied.
15.8% of all applications, or 19.2% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans First-Citizens Bank & Trust originated in Washington in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are First-Citizens Bank & Trust's own HMDA filing for properties located in Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology