Lender profile · HMDA 2023–2025
First Citizens National Bank mortgage approval rates & lending data
First Citizens National Bank decided 784 mortgage applications and funded 665 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 306 / 338 | 97% | $255K | 297 |
| Home improvement loans | 89% | 63 / 71 | 97% | $65K | 61 |
| Cash-out refinance | 57% | 20 / 35 | 100% | $245K | 20 |
| Refinance | 89% | 134 / 151 | 94% | $305K | 126 |
| Investment property purchase | 95% | 140 / 148 | 91% | $405K | 128 |
| Investment refinance | 87% | 27 / 31 | 93% | $255K | 25 |
First Citizens National Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 89% | $255K | 746 | 631 |
| Alabama | 100% | $265K | 12 | 12 |
| Florida | 90% | $445K | 10 | 8 |
| Mississippi | 100% | $375K | 5 | 5 |
| Georgia | 100% | $225K | 3 | 3 |
| Arkansas | 100% | $115K | 2 | 2 |
| South Carolina | 50% | $455K | 2 | 1 |
| Arizona | 0% | — | 1 | 0 |
| Delaware | 100% | $505K | 1 | 1 |
| Indiana | 100% | $265K | 1 | 1 |
| Michigan | 100% | $135K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.