PlainLender

FIRST CITIZENS NATIONAL BANK

DYERSBURG, TN

FIRST CITIZENS NATIONAL BANK processed 1,048 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 718 loans with a 15.9% denial rate. Home Purchase was the primary loan purpose. Based in DYERSBURG, TN. The approval rate of 68.5% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. FIRST CITIZENS NATIONAL BANK processed 1,048 HMDA-reported mortgage applications in 2024, originating 718 loans and denying 167 for a denial rate of 15.9% (applicants themselves withdrew 113 files before a decision). The average loan amount was $250,544 at a 7.288% average note rate, and applicants self-reported an average income of $34,000. The lender reports under LEI 549300RZFHIGIM84KN09 from DYERSBURG, TN.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. FIRST CITIZENS NATIONAL BANK's 68.5% origination rate tells you how often an application turned into funded money; the 15.9% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Other, Credit history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (946 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

1,048
Applications
718
Originated
15.9%
Denial Rate
$250,544
Avg Loan Amount
Avg Interest Rate: 7.288% Avg Applicant Income: $34,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 946 648 148 $251,934
FHA 48 30 12 $243,542
USDA 35 26 6 $158,714
VA 19 14 1 $368,158

Top loan types — FIRST CITIZENS NATIONAL BANK

Top loan types — FIRST CITIZENS NATIONAL BANK Horizontal bar chart of the top 4 items by value (applications). Top loan types — FIRST CITIZENS NATIONAL BANK Top 4 1. Conventional 946 2. FHA 48 3. USDA 35 4. VA 19 Top 5 loan types by application volume at FIRST CITIZENS NATIONAL BANK (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for FIRST CITIZENS NATIONAL BANK (LEI: 549300RZFHIGIM84KN09) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
94
Other
56
Credit history
53
Collateral
27
Employment history
10
Insufficient cash
6
Unverifiable information
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 470 345 $327,106
Other 294 175 $109,048
Refinancing 191 136 $320,969
Home Improvement 66 52 $113,485
Cash-out Refinancing 27 10 $295,370

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 857 70.4% 14.9%
Black or African American 50 52.0% 28.0%
Asian 19 36.8% 36.8%
Joint 10 50.0% 40.0%
American Indian or Alaska Native 1 0.0% 100.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 902 68.3% 16.1%
Hispanic or Latino 30 73.3% 23.3%
Joint 4 75.0% 25.0%

Nearby Lenders in TN

Other HMDA-reporting lenders in TN with similar activity. Compare any two side-by-side.

21ST MORTGAGE

KNOXVILLE, TN

173,573 apps 30,274 originated 44.1% denied

VANDERBILT MORTGAGE AND FINANCE, INC

MARYVILLE, TN

124,520 apps 20,306 originated 42.7% denied

FIRSTBANK

LEXINGTON, TN

21,086 apps 6,413 originated 43.2% denied

FIRST COMMUNITY MORTGAGE

MURFREESBORO, TN

13,521 apps 10,523 originated 6.2% denied

FIRST HORIZON BANK

MEMPHIS, TN

13,326 apps 7,808 originated 21.7% denied
Compare FIRST CITIZENS NATIONAL BANK vs 21ST MORTGAGE →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

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Frequently Asked Questions

How many mortgage applications did FIRST CITIZENS NATIONAL BANK process?
FIRST CITIZENS NATIONAL BANK processed 1,048 mortgage applications in the 2023 HMDA reporting year. Of these, 718 were originated (approved and funded), 113 were withdrawn by the applicant, and 167 were denied.
What is FIRST CITIZENS NATIONAL BANK's mortgage approval rate?
FIRST CITIZENS NATIONAL BANK has an approval (origination) rate of 68.5%, meaning 68.5% of all applications resulted in a funded mortgage. The denial rate is 15.9%.
What is the average loan amount at FIRST CITIZENS NATIONAL BANK?
The average mortgage loan amount at FIRST CITIZENS NATIONAL BANK is $250,544. The average interest rate is 7.288%. The average applicant income is $34,000.
What are the most common reasons for mortgage denial at FIRST CITIZENS NATIONAL BANK?
The most common reasons for mortgage denial at FIRST CITIZENS NATIONAL BANK are: Debt-to-income ratio, Other, Credit history. In total, 167 applications were denied out of 1,048 total applications.
What types of mortgage loans does FIRST CITIZENS NATIONAL BANK offer?
FIRST CITIZENS NATIONAL BANK processes Conventional, FHA, USDA, VA loans. The most common type is Conventional with 946 applications and an average loan amount of $251,934.
What loan purposes does FIRST CITIZENS NATIONAL BANK serve?
FIRST CITIZENS NATIONAL BANK serves the following loan purposes: Home Purchase (470 applications), Other (294 applications), Refinancing (191 applications), Home Improvement (66 applications), Cash-out Refinancing (27 applications). Home Purchase is the most common purpose.
Where is FIRST CITIZENS NATIONAL BANK located?
FIRST CITIZENS NATIONAL BANK is headquartered in DYERSBURG, TN. The lender is identified by LEI 549300RZFHIGIM84KN09 in HMDA data.
How does FIRST CITIZENS NATIONAL BANK compare in lending across racial demographics?
FIRST CITIZENS NATIONAL BANK reports demographic lending data under HMDA requirements. White applicants have an approval rate of 70.4% and denial rate of 14.9%; Black or African American applicants have an approval rate of 52.0% and denial rate of 28.0%; Asian applicants have an approval rate of 36.8% and denial rate of 36.8%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.