Lender in California · HMDA 2025
First-Citizens Bank & Trust Company mortgages in California
First-Citizens Bank & Trust Company's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
First-Citizens Bank & Trust Company originated 656 owner-occupied single-family loans in California from 815 completed applications.
Its median conventional purchase loan costs were $7,960 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.125% (California: 6.625%).
Loans in CA
656
of 815 applications
Denial rate
17.1%
Purchase · CA 8.9%
Rate spread
−0.21 pts
Conv. · CA +0.09 pts
Loan amount
$495,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 750 | 618 | 17.1% | 6.125% | −0.21 pts | $7,960 | $495,000 |
| Refinance | 49 | 32 | 34.7% | — | −0.26 pts | $4,100 | $785,000 |
| Cash-out refinance | 16 | 6 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
California counties where First-Citizens Bank & Trust Company ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| San Francisco County | 15 | 80 | 1.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology