Citizens National Bank
Citizens National Bank received 73 applications in 2025 and made 65 mortgages, in 9 counties across 1 state. The median rate its borrowers got was 7.300% on a median loan of $305,000. Of 70 decisions, 5 were denials — 7.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300YL0TMLCEU0GW61 |
|---|---|
| Applications received | 73 |
| Mortgages made | 65 |
| Denied | 5 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.478 points |
| FDIC-insured bank | Yes: Citizens National Bank, 13 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 50 | 7.250% | $380,000 | 5.7% |
| Refinancing | 10 | 7.430% | $230,000 | 16.7% |
| Other purposes | 5 | Under 10 loans | Under 10 loans | 0.0% |
Where Citizens National Bank lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sevier County, TN | 36 | 7.250% | 10.0% |
| Jefferson County, TN | 10 | 7.430% | 9.1% |
| Hamblen County, TN | 5 | Under 10 loans | 0.0% |
| Cocke County, TN | 4 | Under 10 loans | 0.0% |
| McMinn County, TN | 4 | Under 10 loans | 0.0% |
| Hamilton County, TN | 2 | Under 10 loans | 0.0% |
| Knox County, TN | 2 | Under 10 loans | 0.0% |
| Anderson County, TN | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 0.0% |
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When Citizens National Bank’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.