Lender in Tennessee · HMDA 2025
First Citizens National Bank mortgages in Tennessee
First Citizens National Bank's 2025 home-purchase and refinance lending in Tennessee, compared with all lenders in the state.
First Citizens National Bank originated 278 owner-occupied single-family loans in Tennessee from 338 completed applications.
Its median conventional purchase loan costs were $3,390 versus $5,320 for all Tennessee lenders, at a median 30-year fixed rate of 6.50% (Tennessee: 6.624%).
Loans in TN
278
of 338 applications
Denial rate
10.5%
Purchase · TN 7.7%
Rate spread
+0.00 pts
Conv. · TN +0.11 pts
Loan amount
$225,000
Purchase · TN $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 228 | 198 | 10.5% | 6.500% | +0.00 pts | $3,390 | $225,000 |
| Refinance | 75 | 56 | 24.0% | 6.625% | +0.12 pts | $3,200 | $255,000 |
| Cash-out refinance | 35 | 24 | 31.4% | — | — | — | $195,000 |
*Conventional loans only; medians with at least 20 loans.
Tennessee counties where First Citizens National Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Dyer County | 2 | 60 | 15.1% |
| Lake County | 3 | 4 | 8.2% |
| Obion County | 4 | 25 | 7.9% |
| Polk County | 5 | 9 | 4.8% |
| Bradley County | 6 | 61 | 3.7% |
| Lauderdale County | 9 | 7 | 3.4% |
| Weakley County | 15 | 5 | 1.5% |
| Meigs County | 16 | 3 | 2.2% |
| Gibson County | 18 | 8 | 1.1% |
| Tipton County | 19 | 11 | 1.2% |
| Fayette County | 19 | 10 | 1.2% |
| Haywood County | 22 | 2 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology