First Citizens National Bank mortgage approval rate & lending review
First Citizens National Bank decided 784 mortgage applications and funded 665 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Citizens National Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to firstcitizensnational.com.
First Citizens National Bank at a glance
Approval is 7.6 points above the 81.6% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Citizens National Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bradley County, TN | Mortgage lenders | 92% | 159 | 145 |
| Shelby County, TN | Mortgage lenders | 88% | 75 | 60 |
| Bradley County, TN | Refinance | 94% | 63 | 56 |
| Hamilton County, TN | Mortgage lenders | 92% | 62 | 56 |
| Bradley County, TN | Home improvement loans | 91% | 34 | 31 |
| Bradley County, TN | Investment property purchase | 89% | 27 | 23 |
| Hamilton County, TN | Refinance | 77% | 30 | 22 |
| Shelby County, TN | Refinance | 87% | 23 | 19 |
| Davidson County, TN | Investment property purchase | 100% | 21 | 18 |
| Hamilton County, TN | Investment property purchase | 86% | 22 | 18 |
The county markets where First Citizens National Bank made the most loans. Each link opens that market with every lender ranked.
Questions about First Citizens National Bank
What is First Citizens National Bank's mortgage approval rate?
First Citizens National Bank approved 89.2% of the 784 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.6 points above the 81.6% national rate for the same mix of loan types.
How often do borrowers take the loan First Citizens National Bank offers?
Borrowers accepted 95% of the loans First Citizens National Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Citizens National Bank make?
The typical home purchase mortgage loan First Citizens National Bank made was $255K; across all loan types its typical loan ran from $65K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Citizens National Bank lend?
First Citizens National Bank decided applications in 11 of the states Fat Boy Data covers, most of them in Tennessee, Alabama and Florida.
Can I apply to First Citizens National Bank directly?
Yes. First Citizens National Bank reports as a direct lender that takes applications from borrowers. Its website is firstcitizensnational.com.
Does this page show First Citizens National Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Citizens National Bank treats applications, then get a rate quote from the lender.