First Citizens National Bank in Tennessee vs the state
17.0%Denial rate-0.16 pts vs state
19.2%Decision denial rate-2.46 pts vs state
67.3%Origination rate+9.18 pts vs state
6.99%Median rate+0.37 pts vs state
0.19Rate spread (pts)-0.04 pts vs state
$95kMedian applicant income
606Loans originated
153Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 920 | 624 | 13.8% | 7.13% | #65 |
| 2024 | 999 | 686 | 16.0% | 7.15% | #63 |
| 2025 | 901 | 606 | 17.0% | 6.99% | #71 |
What First Citizens National Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most First Citizens National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dyer County | 193 | 136 | 32 | 16.6% |
| Bradley County | 162 | 111 | 21 | 13.0% |
| Shelby County | 79 | 52 | 10 | 12.7% |
| Obion County | 68 | 51 | 8 | 11.8% |
| Tipton County | 58 | 29 | 23 | 39.7% |
| Hamilton County | 55 | 36 | 13 | 23.6% |
| Fayette County | 32 | 22 | 6 | 18.8% |
| Weakley County | 30 | 15 | 11 | 36.7% |
| Madison County | 26 | 19 | 2 | 7.7% |
| Williamson County | 25 | 17 | 6 | 24.0% |
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: 901 applications in 2025, of which 606 were originated and 153 denied.
17.0% 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 National Bank originated in Tennessee in 2025 was 6.99%, against a statewide median of 6.62%.
About this data. Figures are First Citizens National Bank'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