First Citizens National Bank in Alabama vs the state
0.0%Denial rate-19.85 pts vs state
0.0%Decision denial rate-25.00 pts vs state
87.5%Origination rate+32.11 pts vs state
6.90%Median rate+0.40 pts vs state
0.11Rate spread (pts)-0.18 pts vs state
$289kMedian applicant income
7Loans originated
0Denied
What First Citizens National Bank lends in Alabama
By loan purpose
By loan type
Where in Alabama
Counties with the most First Citizens National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 3 | 2 | 0 | 0.0% |
| Morgan County | 2 | 2 | 0 | 0.0% |
| Lee County | 1 | 1 | 0 | 0.0% |
| Mobile County | 1 | 1 | 0 | 0.0% |
| Baldwin County | 1 | 1 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 8 applications in 2025, of which 7 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans First Citizens National Bank originated in Alabama in 2025 was 6.90%, against a statewide median of 6.50%.
About this data. Figures are First Citizens National Bank's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology