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First Citizens National Bank
Bank|Dyersburg, TN|Multi-Region
Loans Originated
311
Applications
457
Volume
$93 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐USDA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.039%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,031
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
68.1%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 3.90 basis points below market average
- Lower than average lender fees
- Particularly strong in Conventional and USDA loans
Report Card
First Citizens National Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Sound | Industry Standard | |
VA | Sound | Industry Standard | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 6 metro areas · 9 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$299,116
Average Borrower Income
$136,595
Average Property Value
$443,778
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Strong | 237 | 76.2% | -0.062% | $1,008 |
FHA Loans | Strong | Sound | Exceptional | Sound | 28 | 9.0% | +0.179% | $1,143 |
VA Loans | Sound | Sound | N/A | N/A | 14 | 4.5% | -0.563% | $815 |
USDA Loans | Strong | Strong | Strong | Strong | 26 | 8.4% | +0.237% | $1,286 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Strong | 226 | 72.7% | -0.082% | $1,018 |
Refinance | Strong | Strong | Sound | Strong | 85 | 27.3% | +0.069% | $1,063 |
Geographic Coverage
Metro Areas
5
States Served
9
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARFLGAKYMSTNTXVA
Top Metro Areas by Place Specialization Score
1
Cleveland, TN, TNMSA
Volume: 83Mix: 26.69%
Place Specialization
Exceptional
2
Chattanooga, TN, TN-GAMSA
Volume: 29Mix: 9.32%
Place Specialization
Strong
3
Memphis, TNMSA
Volume: 36Mix: 11.58%
Place Specialization
Sound
4
Nashville, TNMSA
Volume: 20Mix: 6.43%
Place Specialization
Sound
5
Jackson, TN, TNMSA
Volume: 11Mix: 3.54%
Place Specialization
Sound
Top States by Place Specialization Score
1
TNState
Volume: 291Mix: 93.57%
Place Specialization
Exceptional
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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