Citizens Bank in Tennessee vs the state
3.6%Denial rate-13.55 pts vs state
3.7%Decision denial rate-17.96 pts vs state
90.3%Origination rate+32.18 pts vs state
—Median rate
—Rate spread (pts)
$78kMedian applicant income
176Loans originated
7Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 216 | 204 | 2.3% | — | #182 |
| 2024 | 209 | 186 | 7.7% | — | #196 |
| 2025 | 195 | 176 | 3.6% | — | #221 |
What Citizens Bank lends in Tennessee
By loan purpose
By loan type
Where in Tennessee
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Smith County | 87 | 83 | 0 | 0.0% |
| White County | 49 | 37 | 6 | 12.2% |
| Putnam County | 18 | 18 | 0 | 0.0% |
| DeKalb County | 8 | 7 | 1 | 12.5% |
| Wilson County | 8 | 8 | 0 | 0.0% |
| Jackson County | 6 | 6 | 0 | 0.0% |
| Macon County | 5 | 5 | 0 | 0.0% |
| Knox County | 3 | 1 | 0 | 0.0% |
| Overton County | 2 | 2 | 0 | 0.0% |
| Van Buren 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: 195 applications in 2025, of which 176 were originated and 7 denied.
3.6% of all applications, or 3.7% 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'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