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First Citizens offers a wide range of financial products, including checking accounts, retirement accounts and home loans. But unless you live in one of four select states, you won’t be able to get a mortgage through this bank.
620
Minimum credit score
Only available in: NC, SC, VA, WI
State availability
Loan products offered | Conventional, Jumbo, FHA, VA, USDA, Refinance |
---|---|
Minimum credit score | 620 |
State availability | Only available in: NC, SC, VA, WI |
Review by
Kat Aoki is a personal finance writer at Finder, specializing in consumer and business lending. She’s written thousands of articles to help consumers make better decisions on their home loans, bank accounts, credit cards, cryptocurrency and more. Kat is well versed in working with leading brands in the real estate, mortgage and personal finance industries, and her expertise has been featured on Forbes Advisor, Lifewire and financial comparison sites like iSelect and realestate.com.au. She holds a BS in business administration from California State University, Sacramento and enjoys hiking and yoga in her spare time.
First Citizens Bank offers a full range of financial services and products for banking customers. It also offers mortgage loans in four states. But unless you’re already a First Citizens Bank customer and have a connection with the bank, you’re better off going with another company that specializes in home loans in your state. To find the best mortgage for your needs, compare more lenders.
First Citizens Bank is not currently available on Finder
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To find out if you meet the requirements for a First Citizens Bank home loan, you’ll want to get preapproved online or speak with a loan officer directly.
Basic eligibility for a mortgage with First Citizens bank includes:
To apply for a mortgage from First Citizens Bank, you’ll need:
The First Citizens Bank website doesn’t list information about the fees and costs associated with applying for a home loan. We were not able to obtain this information after three phone calls to two different service centers, so we advise contacting a loan officer directly for information.
We had a problem starting the loan application and received an error. The error message advised enabling cookies in the browser settings and then refreshing the page.
We feel this isn’t helpful, as nontechnical users may difficulty doing this. Listing a phone number to call for assistance would be a more helpful addition to the website.
If you live in NC, SC, VA or WI and wish to apply for a mortgage with First Citizens Banks, here’s how to start the process:
First Citizens Bank also offers:
Compared to other lenders, First Citizens Bank offers a standard range of home loans, including conventional, FHA, VA and USDA loans. However, unlike other mortgage lenders that have nationwide reach, First Citizens Bank only offers mortgages in NC, SC, VA and WI.
Compare top brands by home loan type, state availability and credit score. Select See rates to provide the lender with basic property and financial details for personalized rates.
Disclaimer: The partners on Finder's mortgage comparison tables are sorted in alphabetical order.
As of July 2022, First Citizens Bank has a 3.6 out of 5 rating on ConsumerAffairs from 90 customers and 1 out 5 rating on the Better Business Bureau (BBB) website, with 116 complaints closed in the past three years. First Citizens Bank is not accredited by the BBB and has an A business rating.
Most of the customer complaints on Consumeraffairs.com appear to be from First Citizens Bank banking customers unhappy with excessive overdraft fees and miscellaneous account fees. One mortgage customer complained about additional paperwork being requested only a few days before the scheduled closing date.
First Citizens was founded in 1898 in Johnston County in North Carolina and has been helping businesses and families with their financial needs for 120 years. First Citizens Bank has over 500 branches in four states and 7,000-plus associates.
How do I contact First Citizens Bank support?
If you have questions for First Citizens Bank, please contact:
Customer service reps are available every day from 7 a.m. to 11 p.m. ET.
Mortgage service help is available weekdays from 8:30 a.m. to 6 p.m. ET.