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 score and performance metrics.

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 an overall pricing score of 69.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Citizens National Bank?

First Citizens National Bank is a Bank headquartered in Dyersburg, TN.

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First Citizens National Bank

Bank•Dyersburg, TNHQ•Direct•Reviews near you on Google

First Citizens National Bank has 311 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · USDA

Place

Strong

4/5

Multi-Region · 5 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

FHA

Superstar

USDA

Superstar

Purchase

Superstar

Refinance

Superstar

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

Explore another lender or local market

Report Card

First Citizens National Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 3.9 bps below market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

237 loans · 0.06% below market

Strong

Top 40% of lenders

4/5

FHA

28 loans · 0.18% above market

Sound

Top 60% of lenders

3/5

14 loans · 0.56% below market

Sound

Top 60% of lenders

3/5

USDA

26 loans · 0.24% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

226 loans · 0.08% below market

Strong

Top 40% of lenders

4/5

Refinance

85 loans · 0.07% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 6 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

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%Below	$1,008Fees
FHA Loans	Strong	Sound	Exceptional	Sound	28	9.0%	+0.179%Above	$1,143Fees
VA Loans	Sound	Sound	—	—	14	4.5%	-0.563%Below	$815Fees
USDA Loans	Strong	Strong	Strong	Strong	26	8.4%	+0.237%Above	$1,286Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume237

Mix76.2%

Spread

-0.062%Below

Fees

$1,008Fees

FHA Loans

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume28

Mix9.0%

Spread

+0.179%Above

Fees

$1,143Fees

VA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume14

Mix4.5%

Spread

-0.563%Below

Fees

$815Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume26

Mix8.4%

Spread

+0.237%Above

Fees

$1,286Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Strong	Strong	226	72.7%	-0.082%Below	$1,018Fees
Refinance	Strong	Strong	Sound	Strong	85	27.3%	+0.069%Above	$1,063Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume226

Mix72.7%

Spread

-0.082%Below

Fees

$1,018Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume85

Mix27.3%

Spread

+0.069%Above

Fees

$1,063Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

311

Applications

457

Volume

$93 million

Pricing & Closing

Avg Rate Spread

-0.039%

vs. market APOR

Avg Net Fees

$1,031

Origination − Credits

Pullthrough Rate

68.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$299,116

Avg Borrower Income

$136,595

Avg Property Value

$443,778

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

9Full-year 2024 · HMDA

Loans originated

< 200200+None

South9

ALARFLGAKYMSTNTXVA

Top Metro Areas by Place Specialization Score

Cleveland, TNMetro

Volume 83Mix 26.69% of portfolio

100/100

Exceptional

Chattanooga, TN, TN-GAMetro

Volume 29Mix 9.32% of portfolio

61/100

Strong

Memphis, TNMetro

Volume 36Mix 11.58% of portfolio

59/100

Sound

Nashville, TNMetro

Volume 20Mix 6.43% of portfolio

51/100

Sound

Jackson, TNMetro

Volume 11Mix 3.54% of portfolio

46/100

Sound

Top States by Place Specialization Score

TennesseeState

Volume 291Mix 93.57% of portfolio

80/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.