# First Citizens National Bank

> **Canonical URL:** https://saferate.com/lenders/first-citizens-national-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First Citizens National Bank is a bank, headquartered in Dyersburg, TN, serving borrowers across 9 states, with 311 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 30% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 47% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300RZFHIGIM84KN09
- **Headquarters:** Dyersburg, TN
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** AL, AR, FL, GA, KY, MS, TN, TX, VA
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.039%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,031
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 311
- **Dollar Volume:** $93 million
- **Applications Received:** 457
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $299,116
- **Average Borrower Income:** $136,595
- **Average Property Value:** $443,778

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (65%)
- ⭐ **USDA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 65/100 | 237 | -0.062% | $1,008 | Strong 😀 |
| FHA | 54/100 | 28 | +0.179% | $1,143 | Sound ☺️ |
| VA | 56/100 | 14 | -0.563% | $815 | Sound ☺️ |
| USDA | 77/100 | 26 | +0.237% | $1,286 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 157 loans, Score: 60/100 (Strong)
- Refinance: 80 loans, Score: 68/100 (Strong)

**FHA:**
- Purchase: 28 loans, Score: 54/100 (Sound)

**USDA:**
- Purchase: 26 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 226 | $63M | -0.082% | Strong 😀 |
| Refinance | 67/100 | 85 | $30M | +0.069% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 291 | 0.32% | 80/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 125 | 60/100 |
| Cleveland, TN | TN | 83 | 100/100 |
| Memphis, TN |  | 36 | 59/100 |
| Chattanooga, TN | TN-GA | 29 | 61/100 |
| Nashville | TN | 20 | 51/100 |
| Jackson, TN | TN | 11 | 46/100 |

## Where This Lender Ranks

First Citizens National Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Cleveland, TN Banks
  - [View Full Rankings](https://saferate.com/cleveland-tn/best-mortgage-lenders/banks)
- 🥇 **#1** in Cleveland, TN for Conventional Loans
  - [View Full Rankings](https://saferate.com/cleveland-tn/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Cleveland, TN for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/cleveland-tn/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Cleveland, TN
  - [View Full Rankings](https://saferate.com/cleveland-tn/best-mortgage-lenders)
- 🥈 **#2** in Cleveland, TN for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/cleveland-tn/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Chattanooga, TN for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/chattanooga-tn/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Chattanooga, TN for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/chattanooga-tn/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Jackson, TN for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/jackson-tn/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Tennessee for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#4** in Cleveland, TN for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/cleveland-tn/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in Chattanooga, TN for Conventional Loans
  - [View Full Rankings](https://saferate.com/chattanooga-tn/best-mortgage-lenders/conventional-loans)
- 🏆 **#6** in Tennessee for Conventional Loans
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/conventional-loans)
- 🏆 **#6** in Tennessee for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Cleveland, TN for VA Loans
  - [View Full Rankings](https://saferate.com/cleveland-tn/best-mortgage-lenders/va-loans)
- 🏆 **#7** in Jackson, TN for Conventional Loans
  - [View Full Rankings](https://saferate.com/jackson-tn/best-mortgage-lenders/conventional-loans)
- 🏆 **#8** in Cleveland, TN for FHA Loans
  - [View Full Rankings](https://saferate.com/cleveland-tn/best-mortgage-lenders/fha-loans)
- 🏆 **#9** in Chattanooga, TN Banks
  - [View Full Rankings](https://saferate.com/chattanooga-tn/best-mortgage-lenders/banks)
- 🏆 **#11** in Tennessee for USDA Loans
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/usda-loans)
- 🏆 **#15** in Tennessee for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#15** in Memphis, TN for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/memphis-tn/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does First Citizens National Bank offer?

First Citizens National Bank offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First Citizens National Bank offer mortgages?

First Citizens National Bank offers mortgages in 9 states: AL, AR, FL, GA, KY, MS, TN, TX, VA.

### How competitive are First Citizens National Bank's mortgage rates?

First Citizens National Bank has a pricing score of 70/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.039% below market average.

### What type of lender is First Citizens National Bank?

First Citizens National Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Dyersburg, TN.

### What is First Citizens National Bank's loan approval success rate?

First Citizens National Bank has a pull-through score of 53/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-citizens-national-bank

### How to Cite

> "First Citizens National Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-citizens-national-bank

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