First Citizens National Bank closing costs and rates (2024)
In 2024, First Citizens National Bank originated 195 purchase mortgages at a median interest rate of 6.50% and median total closing costs of $3,477. That is $3,264 below the national median of $6,741. First Citizens National Bank is most active in Tennessee with 179 originations there.
Purchase Originations
195
Median Total Costs
$3,477
−48.4% vs national ($6,741)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$1,034
Median Lender Credits
$15
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 127 | 6.750% | $3,109 | $1,034 |
| fha | 30 | 6.312% | $7,916 | $1,034 |
| usda | 26 | 6.375% | $5,068 | $1,034 |
Active states
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,218 | 6.625% | — | 1 | −$1,259 | |
| 2 | $2,448 | 6.950% | — | 3 | −$1,029 | |
| 3 | $2,873 | 7.525% | — | 2 | −$604 | |
| 4 | $3,108 | 6.750% | — | 5 | −$369 | |
| 5 | $3,148 | 6.500% | — | 20 | −$329 | |
| 6 | $3,228 | 6.500% | — | 1 | −$249 | |
| 7 | $3,284 | 6.500% | — | 31 | −$193 | |
| 8 | $3,290 | 6.938% | — | 4 | −$187 | |
| 9 | $3,376 | 6.375% | — | 5 | −$101 | |
| 10 | $3,477 | 6.500% | — | 47 | +$0 | |
| 11 | $3,499 | 6.000% | — | 14 | +$22 | |
| 12 | $3,572 | 6.000% | — | 3 | +$95 | |
| 13 | $3,710 | 6.625% | — | 5 | +$233 | |
| 14 | $3,985 | 6.312% | — | 2 | +$508 | |
| 15 | $4,090 | 6.125% | — | 16 | +$613 | |
| 16 | $4,116 | 6.375% | — | 4 | +$639 | |
| 17 | $4,297 | 6.312% | — | 2 | +$820 | |
| 18 | $5,319 | 6.625% | — | 4 | +$1,842 | |
| 19 | $5,347 | 6.375% | — | 7 | +$1,870 | |
| 20 | $6,247 | 6.250% | — | 2 | +$2,770 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.