First Citizens Bank
First Citizens Bank received 105 applications in 2025 and made 103 mortgages, in 12 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $65,000. Of 105 decisions, 1 were denials — 1.0%. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300ZX7CMZ93QCZQ91 |
|---|---|
| Applications received | 105 |
| Mortgages made | 103 |
| Denied | 1 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First Citizens Bank, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 51 | Not published | $95,000 | 1.9% |
| Refinancing | 28 | Not published | $90,000 | 0.0% |
| Other purposes | 24 | Not published | $30,000 | 0.0% |
Where First Citizens Bank lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Crenshaw County, AL | 44 | Not published | 0.0% |
| Butler County, AL | 28 | Not published | 0.0% |
| Pike County, AL | 10 | Not published | 0.0% |
| Lowndes County, AL | 6 | Under 10 loans | 14.3% |
| Montgomery County, AL | 6 | Under 10 loans | 0.0% |
| Coffee County, AL | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Bullock County, AL | 1 | Under 10 loans | 0.0% |
| Covington County, AL | 1 | Under 10 loans | 0.0% |
| Lee County, AL | 1 | Under 10 loans | 0.0% |
| Gulf County, FL | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
Get told when this changes
When First Citizens Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.