Citizens Bank and Trust Company of Grainger County in Tennessee vs the state
8.5%Denial rate-8.69 pts vs state
8.8%Decision denial rate-12.86 pts vs state
84.5%Origination rate+26.43 pts vs state
—Median rate
—Rate spread (pts)
$106kMedian applicant income
60Loans originated
6Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 69 | 51 | 5.8% | — | #343 |
| 2024 | 69 | 60 | 4.4% | — | #348 |
| 2025 | 71 | 60 | 8.5% | — | #369 |
What Citizens Bank and Trust Company of Grainger County lends in Tennessee
By loan purpose
By loan type
Where in Tennessee
Counties with the most Citizens Bank and Trust Company of Grainger County applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Grainger County | 35 | 30 | 2 | 5.7% |
| Jefferson County | 12 | 10 | 1 | 8.3% |
| Hamblen County | 11 | 7 | 3 | 27.3% |
| Hawkins County | 5 | 5 | 0 | 0.0% |
| Knox County | 4 | 4 | 0 | 0.0% |
| Hancock County | 2 | 2 | 0 | 0.0% |
| Claiborne County | 2 | 2 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 71 applications in 2025, of which 60 were originated and 6 denied.
8.5% of all applications, or 8.8% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Citizens Bank and Trust Company of Grainger County's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology