First Citizens Bank · Bank
First Citizens Bank
Review published mortgage options and requirements, then request a personalized quote from the lender.
Key borrower, credit, property-use and reserve requirements have not been verified for this selection.
Availability: Normal credit approval applies. Not applicable in all states.
Our take: Pros & Cons
What we like
- Fixed interest rate and predictable principal-and-interest payments over the loan term.
- Fixed-rate mortgage terms range from 15 to 30 years.
- Grants, gifts and other eligible funds may be used for down payment and closing costs.
What to consider
- Online application requires a Social Security number, employer contact, estimated income/assets/liabilities and property details.
- Not applicable in all states; confirm availability with a mortgage banker.
- Disclosure publishes APR and payment examples but does not state the interest rate; current interest pricing remains unconfirmed.
AI-generated lender-level assessment based on published information. Not a verified assessment of Fixed-Rate Mortgages; confirm program-specific conditions below.
Additional lender considerations
- Minimum credit score, down payment, reserves, visa and foreign-credit/income rules are not stated on the reviewed product page.
Newcomer requirements
Fixed-Rate Mortgages
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- SSN
- Required — confirmed
- Income documentation
- Social Security number; employer contact information; estimated income, assets and liabilities; property details.
- Employment documentation
- Employer contact information
- State restrictions
- Not applicable in all states.
View full lender requirements
- SSN
- Required — confirmed
- Income documentation
- Social Security number; employer contact information; estimated income, assets and liabilities; property details.
- Employment documentation
- Employer contact information
- State restrictions
- Not applicable in all states.
- Other conditions
- Normal credit approval applies.
Questions to confirm with the lender (12)
These requirements have not been verified for this program:
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum credit score
- Minimum down payment
- Foreign income
- Foreign assets
- Reserves
- Property restrictions
- Occupancy
Requirements last reviewed: Oct 26, 2026 · Official requirements source
Rates and costs
Fixed-Rate Mortgages
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
Fixed-Rate Mortgages
- Social Security number; employer contact information; estimated income, assets and liabilities; property details.
- Employer contact information
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Fixed-rate purchase and refinance mortgages from First-Citizens Bank & Trust Company, with terms up to 30 years. Apply online using your Social Security number, employment contact, financial estimates and property details.
Legal lender: First Citizens Bank
Lending channel: Direct lending
Provider type: Bank
Lending channels: Direct lending. Origination status: Active.
NMLS identifier: 503941
More lender directory information
Direct application information ↗
Normal credit approval applies. Not applicable in all states.
Directory verified: 2026-10-26 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 26, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.