First-Citizens Bank & Trust in Tennessee vs the state
16.9%Denial rate-0.26 pts vs state
19.2%Decision denial rate-2.53 pts vs state
66.3%Origination rate+8.17 pts vs state
6.35%Median rate-0.27 pts vs state
0.07Rate spread (pts)-0.16 pts vs state
$230kMedian applicant income
106Loans originated
27Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 170 | 114 | 16.5% | 5.99% | #209 |
| 2024 | 183 | 117 | 20.8% | 6.13% | #215 |
| 2025 | 160 | 106 | 16.9% | 6.35% | #247 |
What First-Citizens Bank & Trust lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most First-Citizens Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Knox County | 26 | 14 | 9 | 34.6% |
| Davidson County | 23 | 14 | 2 | 8.7% |
| Washington County | 22 | 13 | 6 | 27.3% |
| Hamilton County | 16 | 9 | 5 | 31.3% |
| Williamson County | 15 | 12 | 2 | 13.3% |
| Sevier County | 11 | 9 | 0 | 0.0% |
| Sullivan County | 5 | 4 | 0 | 0.0% |
| Blount County | 5 | 4 | 0 | 0.0% |
| Rutherford County | 4 | 3 | 1 | 25.0% |
| Campbell County | 3 | 3 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 160 applications in 2025, of which 106 were originated and 27 denied.
16.9% of all applications, or 19.2% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans First-Citizens Bank & Trust originated in Tennessee in 2025 was 6.35%, against a statewide median of 6.62%.
About this data. Figures are First-Citizens Bank & Trust's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology