First-Citizens Bank & Trust Company
14,381 mortgages originated in 2025 across 14 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 14,381
- Median rate
- 6.350%
- Median lender fees
- $4,533
- Median loan amount
- $195,000
- Median spread over APOR
- -0.081
- Paid discount points
- 11.9%
- Received lender credits
- 21.9%
- Purchases / refinances
- 36.8% / 23.2%
- Conventional / FHA / VA
- 97.3% / 2.1% / 0.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 48.7% of loans here — see methodology.
Where First-Citizens Bank & Trust Company lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| North Carolina | 6,984 | $4,258 | 6.375% |
| South Carolina | 3,577 | $4,485 | 6.375% |
| California | 1,383 | $5,940 | 6.008% |
| Virginia | 664 | $4,110 | 6.385% |
| Georgia | 442 | $4,637 | 6.350% |
| Florida | 266 | $6,626 | 6.000% |
| Massachusetts | 197 | $4,809 | 5.750% |
| Tennessee | 106 | $5,849 | 6.350% |
| Arizona | 95 | — | 6.350% |
| Texas | 92 | $6,705 | 6.175% |
| Washington | 76 | — | 6.375% |
| Colorado | 64 | — | 6.188% |
| Wisconsin | 54 | — | 6.425% |
| West Virginia | 50 | — | 6.000% |