The Citizens National Bank of Meridian
The Citizens National Bank of Meridian received 487 applications in 2025 and made 353 mortgages, in 46 counties across 6 states. The median rate its borrowers got was 6.990% on a median loan of $175,000. Of 424 decisions, 63 were denials — 14.9%, most often for credit history.
| Legal Entity Identifier | 549300XFNTNQLLW0HY87 |
|---|---|
| Applications received | 487 |
| Mortgages made | 353 |
| Denied | 63 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 63 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.403 points |
| FDIC-insured bank | Yes: The Citizens National Bank of Meridian, 29 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 217 | 6.625% | $225,000 | 7.1% |
| Refinancing | 76 | 7.350% | $95,000 | 3.8% |
| Cash-out refinancing | 16 | 7.450% | $165,000 | 41.4% |
| Other purposes | 44 | 7.700% | $35,000 | 40.8% |
Where The Citizens National Bank of Meridian lends most
The 46 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lauderdale County, MS | 85 | 6.490% | 17.8% |
| Rankin County, MS | 28 | 6.970% | 6.7% |
| Lamar County, MS | 24 | 6.790% | 3.9% |
| Attala County, MS | 23 | 7.700% | 25.8% |
| Madison County, MS | 23 | 6.625% | 0.0% |
| DeSoto County, MS | 22 | 6.700% | 8.3% |
| Lowndes County, MS | 19 | 7.100% | 9.5% |
| Leake County, MS | 16 | 7.500% | 5.9% |
| Jones County, MS | 15 | 7.450% | 31.8% |
| Forrest County, MS | 13 | 7.500% | 23.5% |
| Hinds County, MS | 12 | 6.850% | 14.3% |
| Neshoba County, MS | 9 | Under 10 loans | 15.4% |
| Lafayette County, MS | 8 | Under 10 loans | 0.0% |
| Clarke County, MS | 7 | Under 10 loans | 18.2% |
| Shelby County, TN | 7 | Under 10 loans | 0.0% |
| Baldwin County, AL | 4 | Under 10 loans | 0.0% |
| Oktibbeha County, MS | 4 | Under 10 loans | 0.0% |
| Clay County, MS | 3 | Under 10 loans | 0.0% |
| Newton County, MS | 3 | Under 10 loans | 25.0% |
| Holmes County, MS | 2 | Under 10 loans | 0.0% |
| Marion County, MS | 2 | Under 10 loans | 0.0% |
| Smith County, MS | 2 | Under 10 loans | 0.0% |
| Winston County, MS | 2 | Under 10 loans | 0.0% |
| Davidson County, TN | 2 | Under 10 loans | 0.0% |
| Lamar County, AL | 1 | Under 10 loans | 0.0% |
| Talladega County, AL | 1 | Under 10 loans | 0.0% |
| Tuscaloosa County, AL | 1 | Under 10 loans | 0.0% |
| Washington County, AL | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Escambia County, FL | 1 | Under 10 loans | 0.0% |
| Plaquemines Parish, LA | 1 | Under 10 loans | 0.0% |
| Adams County, MS | 1 | Under 10 loans | 0.0% |
| Chickasaw County, MS | 1 | Under 10 loans | 0.0% |
| Copiah County, MS | 1 | Under 10 loans | 0.0% |
| Harrison County, MS | 1 | Under 10 loans | 0.0% |
| Jasper County, MS | 1 | Under 10 loans | 50.0% |
| Lee County, MS | 1 | Under 10 loans | 50.0% |
| Noxubee County, MS | 1 | Under 10 loans | 66.7% |
| Scott County, MS | 1 | Under 10 loans | 0.0% |
| Tate County, MS | 1 | Under 10 loans | 50.0% |
| Wayne County, MS | 1 | Under 10 loans | 66.7% |
| Charleston County, SC | 1 | Under 10 loans | 0.0% |
| Mobile County, AL | 0 | Under 10 loans | Not published |
| Jackson County, MS | 0 | Under 10 loans | Not published |
| Kemper County, MS | 0 | Under 10 loans | 100.0% |
| Perry County, MS | 0 | Under 10 loans | 100.0% |
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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.