Citizens Bank of Lafayette
Citizens Bank of Lafayette received 630 applications in 2025 and made 615 mortgages, in 32 counties across 4 states. The median rate its borrowers got was 7.500% on a median loan of $105,000. Of 627 decisions, 3 were denials — 0.5%, most often for credit history.
| Legal Entity Identifier | 549300W4TWSN8U8TGD72 |
|---|---|
| Applications received | 630 |
| Mortgages made | 615 |
| Denied | 3 |
| Approved, not taken up | 9 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.31 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 99 | 7.500% | $235,000 | 1.0% |
| Refinancing | 203 | 7.500% | $125,000 | 0.0% |
| Other purposes | 313 | 7.500% | $95,000 | 0.6% |
Where Citizens Bank of Lafayette lends most
The 32 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Putnam County, TN | 107 | 7.500% | 0.9% |
| Macon County, TN | 95 | 7.650% | 1.0% |
| Overton County, TN | 61 | 7.500% | 0.0% |
| Jackson County, TN | 48 | 7.750% | 0.0% |
| Wilson County, TN | 45 | 7.500% | 0.0% |
| Sumner County, TN | 35 | 7.500% | 0.0% |
| Coffee County, TN | 31 | 7.500% | 0.0% |
| Clay County, TN | 29 | 7.500% | 0.0% |
| DeKalb County, TN | 29 | 7.500% | 0.0% |
| Smith County, TN | 27 | 7.500% | 0.0% |
| Franklin County, TN | 23 | 7.500% | 4.2% |
| Bedford County, TN | 16 | 7.500% | 0.0% |
| White County, TN | 14 | 7.500% | 0.0% |
| Allen County, KY | 8 | Under 10 loans | 0.0% |
| Davidson County, TN | 8 | Under 10 loans | 0.0% |
| Cumberland County, TN | 7 | Under 10 loans | 0.0% |
| Moore County, TN | 6 | Under 10 loans | 0.0% |
| Fentress County, TN | 5 | Under 10 loans | 0.0% |
| Williamson County, TN | 4 | Under 10 loans | 0.0% |
| Rutherford County, TN | 3 | Under 10 loans | 0.0% |
| Bay County, FL | 2 | Under 10 loans | 0.0% |
| Trousdale County, TN | 2 | Under 10 loans | 0.0% |
| Jackson County, AL | 1 | Under 10 loans | 0.0% |
| Monroe County, KY | 1 | Under 10 loans | 0.0% |
| Blount County, TN | 1 | Under 10 loans | 0.0% |
| Cannon County, TN | 1 | Under 10 loans | 0.0% |
| Cheatham County, TN | 1 | Under 10 loans | 0.0% |
| Dickson County, TN | 1 | Under 10 loans | 0.0% |
| Jefferson County, TN | 1 | Under 10 loans | 0.0% |
| Pickett County, TN | 1 | Under 10 loans | 0.0% |
| Van Buren County, TN | 1 | Under 10 loans | 0.0% |
| Warren County, TN | 1 | Under 10 loans | 0.0% |
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When Citizens Bank of Lafayette’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.