First Citizens National Bank
First Citizens National Bank received 941 applications in 2025 and made 637 mortgages, in 63 counties across 9 states. The median rate its borrowers got was 6.950% on a median loan of $185,000. Of 832 decisions, 156 were denials — 18.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300RZFHIGIM84KN09 |
|---|---|
| Applications received | 941 |
| Mortgages made | 637 |
| Denied | 156 |
| Approved, not taken up | 39 |
| Withdrawn or incomplete | 109 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.19 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 311 | 6.625% | $225,000 | 9.4% |
| Refinancing | 121 | 6.950% | $205,000 | 18.2% |
| Cash-out refinancing | 25 | 6.625% | $195,000 | 30.6% |
| Other purposes | 180 | 7.500% | $75,000 | 29.4% |
Where First Citizens National Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Dyer County, TN | 136 | 7.113% | 18.5% |
| Bradley County, TN | 111 | 6.875% | 15.2% |
| Shelby County, TN | 52 | 7.045% | 14.5% |
| Obion County, TN | 51 | 6.900% | 13.1% |
| Hamilton County, TN | 36 | 6.995% | 25.5% |
| Tipton County, TN | 29 | 7.500% | 42.6% |
| Fayette County, TN | 22 | 7.000% | 20.0% |
| Madison County, TN | 19 | 6.950% | 9.5% |
| Williamson County, TN | 17 | 7.500% | 26.1% |
| Polk County, TN | 16 | 6.938% | 11.1% |
| Gibson County, TN | 15 | 6.750% | 16.7% |
| Weakley County, TN | 15 | 7.150% | 39.3% |
| Lauderdale County, TN | 13 | 7.150% | 17.7% |
| Lake County, TN | 9 | Under 10 loans | 10.0% |
| McMinn County, TN | 8 | Under 10 loans | 23.1% |
| Davidson County, TN | 6 | Under 10 loans | 25.0% |
| Wilson County, TN | 6 | Under 10 loans | 0.0% |
| Catoosa County, GA | 5 | Under 10 loans | 0.0% |
| Henry County, TN | 4 | Under 10 loans | 0.0% |
| Maury County, TN | 4 | Under 10 loans | 0.0% |
| Walker County, GA | 3 | Under 10 loans | 40.0% |
| Haywood County, TN | 3 | Under 10 loans | 50.0% |
| Marion County, TN | 3 | Under 10 loans | 0.0% |
| Meigs County, TN | 3 | Under 10 loans | 0.0% |
| Montgomery County, TN | 3 | Under 10 loans | 0.0% |
| Putnam County, TN | 3 | Under 10 loans | 0.0% |
| Rutherford County, TN | 3 | Under 10 loans | 25.0% |
| Madison County, AL | 2 | Under 10 loans | 0.0% |
| Morgan County, AL | 2 | Under 10 loans | 0.0% |
| Fulton County, KY | 2 | Under 10 loans | 0.0% |
| DeSoto County, MS | 2 | Under 10 loans | 0.0% |
| Lafayette County, MS | 2 | Under 10 loans | 0.0% |
| Crockett County, TN | 2 | Under 10 loans | 33.3% |
| Hardeman County, TN | 2 | Under 10 loans | 0.0% |
| Sequatchie County, TN | 2 | Under 10 loans | 0.0% |
| Sumner County, TN | 2 | Under 10 loans | 25.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Lee County, AL | 1 | Under 10 loans | 0.0% |
| Mobile County, AL | 1 | Under 10 loans | 0.0% |
| Craighead County, AR | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Escambia County, FL | 1 | Under 10 loans | 0.0% |
| Haralson County, GA | 1 | Under 10 loans | 0.0% |
| Murray County, GA | 1 | Under 10 loans | 0.0% |
| McCracken County, KY | 1 | Under 10 loans | 0.0% |
| Hinds County, MS | 1 | Under 10 loans | 0.0% |
| Tallahatchie County, MS | 1 | Under 10 loans | 0.0% |
| Tishomingo County, MS | 1 | Under 10 loans | 0.0% |
| Aiken County, SC | 1 | Under 10 loans | 0.0% |
| Benton County, TN | 1 | Under 10 loans | 50.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.