Citizens Tri-County Bank
Citizens Tri-County Bank received 747 applications in 2025 and made 562 mortgages, in 37 counties across 6 states. The median rate its borrowers got was 7.500% on a median loan of $145,000. Of 679 decisions, 77 were denials — 11.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300RUFHC5ZQDL8J10 |
|---|---|
| Applications received | 747 |
| Mortgages made | 562 |
| Denied | 77 |
| Approved, not taken up | 40 |
| Withdrawn or incomplete | 68 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.043 points |
| FDIC-insured bank | Yes: Citizens Tri-County Bank, 24 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 264 | 7.075% | $195,000 | 10.8% |
| Refinancing | 70 | 6.725% | $130,000 | 17.2% |
| Cash-out refinancing | 126 | 8.500% | $115,000 | 8.5% |
| Other purposes | 102 | 8.675% | $65,000 | 11.8% |
Where Citizens Tri-County Bank lends most
The 37 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Franklin County, TN | 77 | 6.990% | 14.9% |
| Marion County, TN | 69 | 7.800% | 11.9% |
| Grundy County, TN | 68 | 8.625% | 16.1% |
| Warren County, TN | 63 | 7.850% | 12.0% |
| Hamilton County, TN | 60 | 6.750% | 8.8% |
| Sequatchie County, TN | 49 | 7.500% | 8.5% |
| Coffee County, TN | 37 | 6.990% | 2.6% |
| Bledsoe County, TN | 35 | 7.250% | 7.5% |
| Van Buren County, TN | 32 | 7.850% | 2.9% |
| Rhea County, TN | 11 | 7.200% | 25.0% |
| Moore County, TN | 7 | Under 10 loans | 22.2% |
| Rutherford County, TN | 7 | Under 10 loans | 22.2% |
| White County, TN | 7 | Under 10 loans | 20.0% |
| Cumberland County, TN | 5 | Under 10 loans | 0.0% |
| Bedford County, TN | 4 | Under 10 loans | 0.0% |
| Cannon County, TN | 4 | Under 10 loans | 0.0% |
| Madison County, AL | 3 | Under 10 loans | 0.0% |
| Davidson County, TN | 3 | Under 10 loans | 25.0% |
| DeKalb County, TN | 3 | Under 10 loans | 0.0% |
| Williamson County, TN | 3 | Under 10 loans | 0.0% |
| Roane County, TN | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Marshall County, AL | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Marion County, FL | 1 | Under 10 loans | 0.0% |
| Catoosa County, GA | 1 | Under 10 loans | 0.0% |
| Dade County, GA | 1 | Under 10 loans | 0.0% |
| Walker County, GA | 1 | Under 10 loans | 0.0% |
| Bradley County, TN | 1 | Under 10 loans | 0.0% |
| Knox County, TN | 1 | Under 10 loans | 0.0% |
| Lincoln County, TN | 1 | Under 10 loans | 0.0% |
| Overton County, TN | 1 | Under 10 loans | 0.0% |
| Putnam County, TN | 1 | Under 10 loans | 0.0% |
| Amherst County, VA | 1 | Under 10 loans | 0.0% |
| Jackson County, AL | 0 | Under 10 loans | 50.0% |
| Cumberland County, KY | 0 | Under 10 loans | 100.0% |
| Decatur County, TN | 0 | Under 10 loans | 0.0% |
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When Citizens Tri-County 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.