Firstrust Bank Reviews

Firstrust Bank doesn’t publish current minimum and maximum rates for its mortgages on its website, though it does provide sample annual percentage rates (APRs) for select borrower profiles. For example, it states that an applicant with a 680 credit score and a 3.5% down payment on a $400,000 house may be offered a 30-year term with a 6.065% APR or a 15-year term with a 5.604% APR. APRs are accurate as of March 6, 2026.

Generally, mortgage rates vary based on your credit history, the type of loan, the loan amount, your down payment and the loan term, among other factors.

» MORE: Current mortgage rates — check today’s rates

Firstrust Bank offers conventional fixed-rate loans and government-backed loans, including Federal Housing Administration (FHA) and U.S. Department of Veterans Affairs (VA) loans. It also offers loans for first-time homebuyers, such as HomeFirst and HomeFirst Plus loans, which come with low or no down payment requirement and no private mortgage insurance (PMI) requirement.

Firstrust also offers cash-out and term refinancing options and HELOCs.

Firstrust Bank’s application can be completed online, by phone or in person. Be prepared to provide information about your income and assets so that Firstrust Bank can determine how much you can borrow.

Firstrust Bank application process features

The table below shows some of Firstrust Bank’s application process features:

You’ll typically need a minimum credit score of 580 to 620 for a loan from Firstrust Bank. If you can’t meet these credit score requirements, you might be able to apply for a nonqualified mortgage through another lender. Note that this will likely result in a higher interest rate.

Conventional loans typically require higher credit scores and down payments than government-backed mortgages, though you may be able to qualify for a conventional loan with as little as 3% down and a 620 credit score. For a government-backed loan, you can generally put down as little as 0% or 3.5%, depending on the type of loan.

Firstrust Bank will also consider your debt-to-income (DTI) ratio. For reference, many lenders issue conventional loans to people with DTI ratios below 36%, but some mortgage lenders and loan types allow for a DTI ratio of up to 45%.

Typical mortgage requirements by loan type

The table below shows typical mortgage requirements by loan type.

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Firstrust Bank doesn’t disclose which specific fees it may charge. Still, you can expect to pay closing costs, which typically range between 2% to 5% of the loan amount.

If you’re a first-time homebuyer, Firstrust Bank offers a First Front Door program, which can provide up to $15,000 toward closing costs.

Firstrust Bank offers similar mortgage products to other banks, though it also offers HELOCs, which some other banks don’t offer. The table below shows how it compares with other popular lenders.