Lender in Tennessee · HMDA 2025
Citizens Tri-County Bank mortgages in Tennessee
Citizens Tri-County Bank's 2025 home-purchase and refinance lending in Tennessee, compared with all lenders in the state.
Citizens Tri-County Bank originated 257 owner-occupied single-family loans in Tennessee from 312 completed applications.
Its median conventional purchase loan costs were $3,490 versus $5,320 for all Tennessee lenders, at a median 30-year fixed rate of 6.50% (Tennessee: 6.624%).
Loans in TN
257
of 312 applications
Denial rate
10.4%
Purchase · TN 7.7%
Rate spread
+0.01 pts
Conv. · TN +0.11 pts
Loan amount
$245,000
Purchase · TN $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 192 | 157 | 10.4% | 6.500% | +0.01 pts | $3,490 | $245,000 |
| Refinance | 43 | 33 | 23.3% | — | +0.14 pts | $2,110 | $235,000 |
| Cash-out refinance | 77 | 67 | 10.4% | — | +1.81 pts | $1,510 | $135,000 |
*Conventional loans only; medians with at least 20 loans.
Tennessee counties where Citizens Tri-County Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Grundy County | 1 | 24 | 15.3% |
| Bledsoe County | 1 | 20 | 13.6% |
| Marion County | 3 | 28 | 6.4% |
| Sequatchie County | 3 | 22 | 9.1% |
| Van Buren County | 3 | 11 | 13.6% |
| Franklin County | 4 | 46 | 6.5% |
| Warren County | 5 | 31 | 5.5% |
| Moore County | 8 | 5 | 4.0% |
| Coffee County | 11 | 21 | 2.2% |
| Rhea County | 24 | 5 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology