First Citizens National Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
22nd18.8% deniedPricingmedian rate spread over APOR, weight 30%
60th0.19 ptsProcesswithdrawn + incomplete share, weight 15%
50th11.6%Closing coststotal loan costs ÷ loan amount, weight 10%
44th2.06% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 960 | 650 | 13.9% | 16.4% | 7.13% | $181M |
| 2024 | 1,047 | 718 | 16.0% | 18.0% | 7.15% | $190M |
| 2025 | 941 | 637 | 16.6% | 18.8% | 6.99% | $163M |
What First Citizens National Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 262 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 149 investment properties.
Why First Citizens National Bank denies applications
Primary reason reported for each of the 156 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at First Citizens National Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 120 | 62 | 38.3% |
| $50k – $100k | 328 | 216 | 21.0% |
| $100k – $150k | 169 | 125 | 12.0% |
| $150k – $250k | 130 | 93 | 18.0% |
| Over $250k | 93 | 77 | 11.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 70 | 49 | 14.5% |
| 25–34 | 139 | 91 | 23.2% |
| 35–44 | 156 | 109 | 21.4% |
| 45–54 | 184 | 124 | 22.9% |
| 55–64 | 179 | 121 | 19.5% |
| 65–74 | 92 | 65 | 13.3% |
| Over 74 | 46 | 33 | 14.3% |
Where First Citizens National Bank lends
9 states and 63 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Tennessee | 901 | 606 | 17.0% | 6.99% | #71 |
| Georgia | 13 | 10 | 15.4% | 6.95% | #628 |
| Mississippi | 9 | 7 | 0.0% | 6.90% | #288 |
| Alabama | 8 | 7 | 0.0% | 6.90% | #505 |
Frequently asked questions
First Citizens National Bank denied 18.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 22nd percentile of small mortgage lenders.
The most common reason First Citizens National Bank gave in 2025 was "debt-to-income ratio", cited on 43.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans First Citizens National Bank originated in 2025 was 6.99%, and its median rate spread over the average prime offer rate was 0.19 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 46% of its applications were for home purchases, 24% for refinancing (including cash-out), and 31% for home improvement or other purposes. By loan type: 86% conventional, 8% FHA, 2% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.