Citizens Bank in Tennessee vs the state
27.8%Denial rate+10.65 pts vs state
31.9%Decision denial rate+10.22 pts vs state
57.3%Origination rate-0.81 pts vs state
7.90%Median rate+1.28 pts vs state
0.71Rate spread (pts)+0.48 pts vs state
$109kMedian applicant income
579Loans originated
281Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,627 | 929 | 29.4% | 7.25% | #40 |
| 2024 | 836 | 486 | 25.0% | 8.15% | #71 |
| 2025 | 1,011 | 579 | 27.8% | 7.90% | #65 |
What Citizens Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Williamson County | 113 | 75 | 24 | 21.2% |
| Shelby County | 104 | 61 | 33 | 31.7% |
| Davidson County | 104 | 56 | 28 | 26.9% |
| Sumner County | 56 | 32 | 15 | 26.8% |
| Knox County | 56 | 30 | 15 | 26.8% |
| Hamilton County | 46 | 22 | 17 | 37.0% |
| Rutherford County | 42 | 21 | 12 | 28.6% |
| Wilson County | 40 | 24 | 9 | 22.5% |
| Montgomery County | 34 | 21 | 11 | 32.4% |
| Bradley County | 34 | 21 | 9 | 26.5% |
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: 1,011 applications in 2025, of which 579 were originated and 281 denied.
27.8% of all applications, or 31.9% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Citizens Bank originated in Tennessee in 2025 was 7.90%, against a statewide median of 6.62%.
About this data. Figures are Citizens Bank'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