CITIZENS SAVINGS BANK AND TRUST COMPANY
CITIZENS SAVINGS BANK AND TRUST COMPANY received 56 applications in 2025 and made 44 mortgages, in 11 counties across 2 states. The median rate its borrowers got was 6.875% on a median loan of $290,000. Of 49 decisions, 5 were denials — 10.2%, most often for credit history.
| Legal Entity Identifier | 2138005KH543RLMQHE28 |
|---|---|
| Applications received | 56 |
| Mortgages made | 44 |
| Denied | 5 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 7 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Citizens Savings Bank and Trust Company, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 32 | 6.688% | $295,000 | 3.0% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 18.2% |
Where CITIZENS SAVINGS BANK AND TRUST COMPANY lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Davidson County, TN | 23 | 6.500% | 8.0% |
| Rutherford County, TN | 6 | Under 10 loans | 0.0% |
| Shelby County, TN | 5 | Under 10 loans | 0.0% |
| Robertson County, TN | 3 | Under 10 loans | 0.0% |
| Sumner County, TN | 3 | Under 10 loans | 25.0% |
| Cheatham County, TN | 1 | Under 10 loans | 0.0% |
| Giles County, TN | 1 | Under 10 loans | 0.0% |
| Montgomery County, TN | 1 | Under 10 loans | 0.0% |
| Wilson County, TN | 1 | Under 10 loans | 0.0% |
| Christian County, KY | 0 | Under 10 loans | 100.0% |
| Williamson County, TN | 0 | Under 10 loans | 100.0% |
Get told when this changes
When CITIZENS SAVINGS BANK AND TRUST COMPANY’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.