Applications / Mortgage Analytics / Lenders / Tennessee / First Citizens National Bank
Dyersburg, TN · National bank · OCC · $2.7 billion assets · 637 loans in 2025
First Citizens National Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
637
loans originated, 2025
941
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Citizens National Bank is a Tennessee national bank that makes more government-backed loans than similar banks, and its 637 loans in 2025 were 11% fewer than in 2024, while those banks grew 6%.
FHA loans (insured by the Federal Housing Administration) were 7.4% of its loans, RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 4.4% and VA loans (guaranteed by the Department of Veterans Affairs) 2.0%. Similar lenders (national banks making between half and twice as many loans) made almost none, and its RHS share was higher than more than nine in ten of them. Conventional loans were 86.2%, against 98.3%.
Purchases were 48.8% of its loans, refinances 22.9%, other purposes 16.3% and home improvement 11.9%. Its typical loan, $185,000, and its higher-priced share (loans at a rate well above the average for similar loans), 2.5%, were both near the middle of its peers.
Originations fell 11%, against a rise of 6% at similar lenders and 10% for the whole market, lower than most of them. Its yearly count has stayed between 637 and 718 since 2022, after 1,277 in 2020, so the fall may be ordinary movement within that range.
Its largest market is non-metro Tennessee, where it ranked 40 of 746 lenders. In Cleveland, TN it ranked 5 of 258 with 3.8%, down from 4.8%, and its shares in Nashville and Chattanooga also fell slightly, in step with its lower total. Its share in Memphis rose.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Citizens National Bank took 941 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 48.8% · Refinance 22.9% · Other 16.3% · Home improvement 11.9%
Conventional 86.2% · FHA 7.4% · USDA (RHS or FSA) 4.4% · VA 2.0% · of 637 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Tennessee | 606 | 95.1% |
| Georgia | 10 | 1.6% |
| Alabama | 7 | 1.1% |
| Mississippi | 7 | 1.1% |
| Kentucky | 3 | 0.5% |
| Florida | 2 | 0.3% |
| Arkansas | 1 | 0.2% |
| South Carolina | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cleveland | 127 |
| Memphis | 105 |
| Chattanooga | 49 |
| Nashville-Davidson--Murfreesboro--Franklin | 39 |
| Jackson | 37 |
| Clarksville | 3 |
| Decatur | 2 |
| Huntsville | 2 |
| Knoxville | 2 |
| Auburn-Opelika | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RZFHIGIM84KN09 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 133850 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 15263 | 2004–2017 |
Established 1 January 1889. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: First Citizens National Bank's data.
First Citizens National Bank's data
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First Citizens National Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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