Purchase Originations
3,740
Ranked #136 nationally
Median Total Costs
$5,682
−14.9% vs national ($6,680)
↑ $270 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,495
Median Lender Credits
$609
Cost Rank (500+ vol.)
#252
among lenders with 500+ originations
Denial Rate
8.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 3,390 | 6.225% | $5,399 | $1,495 |
| fha | 291 | 5.500% | $11,000 | $2,206 |
| va | 48 | 6.000% | $6,282 | $1,495 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Carolina | 1,390 | 6.200% | $5,053 | #20 |
| South Carolina | 958 | 6.250% | $5,253 | #17 |
| California | 619 | 6.000% | $8,910 | #66 |
| Massachusetts | 123 | 5.625% | $5,361 | #78 |
| Virginia | 113 | 6.250% | $4,961 | #118 |
| Georgia | 107 | 6.125% | $5,639 | #138 |
| Florida | 93 | 6.100% | $7,091 | #238 |
| Texas | 50 | 6.125% | $6,536 | #345 |
| Tennessee | 45 | 6.325% | $5,788 | — |
| New York | 34 | 5.625% | $5,155 | — |
| Colorado | 25 | 6.125% | $3,883 | — |
| Arizona | 23 | 6.350% | $5,577 | — |
| Washington | 19 | 6.100% | $5,242 | — |
| New Mexico | 14 | 6.350% | $5,442 | — |
| Nevada | 14 | 6.125% | $5,154 | — |
| West Virginia | 14 | 6.000% | $4,809 | — |
| New Jersey | 13 | 5.750% | $7,314 | — |
| Oklahoma | 11 | 6.100% | $4,643 | — |
| Wisconsin | 11 | 6.000% | $4,720 | — |
| Oregon | 10 | 6.050% | $6,292 | — |
| Illinois | 9 | 5.750% | $6,339 | — |
| Pennsylvania | 7 | 6.375% | $5,309 | — |
| Kansas | 6 | 6.012% | $3,363 | — |
| Maryland | 6 | 6.350% | $5,516 | — |
| District of Columbia | 4 | 6.250% | $9,015 | — |
| Nebraska | 4 | 6.625% | $3,727 | — |
| Missouri | 3 | 6.100% | $3,121 | — |
| Ohio | 3 | 6.625% | $4,048 | — |
| Alabama | 2 | 6.188% | $4,058 | — |
| New Hampshire | 2 | 5.625% | $4,413 | — |
| Rhode Island | 2 | 5.562% | $6,983 | — |
| Utah | 2 | 5.625% | $5,124 | — |
| Connecticut | 1 | 6.250% | $7,719 | — |
| Hawaii | 1 | 6.250% | $14,101 | — |
| Iowa | 1 | 5.625% | $7,721 | — |
| Kentucky | 1 | 5.875% | $3,234 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,500 | 6.312% | — | 66 | −$1,182 | |
| 2 | $4,905 | 6.125% | — | 72 | −$777 | |
| 3 | $4,907 | 6.125% | — | 263 | −$775 | |
| 4 | $5,091 | 5.125% | — | 68 | −$591 | |
| 5 | $5,096 | 6.000% | — | 63 | −$586 | |
| 6 | $5,146 | 5.912% | — | 70 | −$536 | |
| 7 | $5,167 | 6.000% | — | 47 | −$515 | |
| 8 | $5,222 | 6.287% | — | 44 | −$460 | |
| 9 | $5,247 | 6.375% | — | 70 | −$435 | |
| 10 | $5,306 | 6.350% | — | 66 | −$376 | |
| 11 | $5,506 | 5.875% | — | 150 | −$176 | |
| 12 | $5,673 | 5.500% | — | 47 | −$9 | |
| 13 | $5,998 | 6.250% | — | 44 | +$316 | |
| 14 | $6,147 | 6.125% | — | 114 | +$465 | |
| 15 | $6,239 | 5.625% | — | 77 | +$557 | |
| 16 | $6,356 | 5.975% | — | 87 | +$674 | |
| 17 | $10,699 | 6.200% | — | 75 | +$5,017 | |
| 18 | $11,662 | 6.037% | — | 42 | +$5,980 | |
| 19 | $13,017 | 6.207% | — | 195 | +$7,335 | |
| 20 | $14,156 | 6.250% | — | 64 | +$8,474 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | First-Citizens Bank & Trust Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $425,000 | $335,000 | +$90,000 (+26.9%) |
| Median total closing costs | $5,682 | $7,127 | −$1,445 (−20.3%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.