Citizens Bank of Lafayette in Tennessee vs the state
0.5%Denial rate-16.65 pts vs state
0.5%Decision denial rate-21.19 pts vs state
97.6%Origination rate+39.49 pts vs state
7.50%Median rate+0.88 pts vs state
0.31Rate spread (pts)+0.08 pts vs state
$99kMedian applicant income
603Loans originated
3Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 877 | 805 | 3.0% | 8.45% | #68 |
| 2024 | 974 | 824 | 5.1% | 8.50% | #64 |
| 2025 | 618 | 603 | 0.5% | 7.50% | #96 |
What Citizens Bank of Lafayette lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Citizens Bank of Lafayette applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Putnam County | 110 | 107 | 1 | 0.9% |
| Macon County | 98 | 95 | 1 | 1.0% |
| Overton County | 64 | 61 | 0 | 0.0% |
| Jackson County | 50 | 48 | 0 | 0.0% |
| Wilson County | 45 | 45 | 0 | 0.0% |
| Sumner County | 35 | 35 | 0 | 0.0% |
| Coffee County | 31 | 31 | 0 | 0.0% |
| Clay County | 30 | 29 | 0 | 0.0% |
| DeKalb County | 29 | 29 | 0 | 0.0% |
| Smith County | 27 | 27 | 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: 618 applications in 2025, of which 603 were originated and 3 denied.
0.5% of all applications, or 0.5% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Citizens Bank of Lafayette originated in Tennessee in 2025 was 7.50%, against a statewide median of 6.62%.
About this data. Figures are Citizens Bank of Lafayette'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