Citizens Tri-County Bank in Tennessee vs the state
10.2%Denial rate-6.91 pts vs state
11.3%Decision denial rate-10.40 pts vs state
75.2%Origination rate+17.09 pts vs state
7.50%Median rate+0.88 pts vs state
1.11Rate spread (pts)+0.88 pts vs state
$85kMedian applicant income
551Loans originated
75Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 733 | 534 | 10.0% | 8.25% | #80 |
| 2024 | 633 | 488 | 5.7% | 8.25% | #88 |
| 2025 | 733 | 551 | 10.2% | 7.50% | #84 |
What Citizens Tri-County Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Citizens Tri-County Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Grundy County | 105 | 68 | 15 | 14.3% |
| Franklin County | 103 | 77 | 14 | 13.6% |
| Marion County | 97 | 69 | 10 | 10.3% |
| Warren County | 83 | 63 | 9 | 10.8% |
| Hamilton County | 72 | 60 | 6 | 8.3% |
| Sequatchie County | 64 | 49 | 5 | 7.8% |
| Bledsoe County | 44 | 35 | 3 | 6.8% |
| Coffee County | 44 | 37 | 1 | 2.3% |
| Van Buren County | 35 | 32 | 1 | 2.9% |
| Rhea County | 18 | 11 | 4 | 22.2% |
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: 733 applications in 2025, of which 551 were originated and 75 denied.
10.2% of all applications, or 11.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Citizens Tri-County Bank originated in Tennessee in 2025 was 7.50%, against a statewide median of 6.62%.
About this data. Figures are Citizens Tri-County 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