Applications / Mortgage Analytics / Lenders / Tennessee / Citizens Tri County Bank
Dunlap, TN · State non-member bank · FDIC · $1.6 billion assets · 562 loans in 2025
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562
loans originated, 2025
747
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Tri County Bank is a Tennessee bank with far more manufactured-home lending than similar banks, ranked 20 of 746 lenders in non-metro Tennessee, and its loans rose 13% in 2025.
15.3% of its loans are for manufactured homes, against 1.6% for similar lenders (state non-member banks making between half and twice as many loans), higher than nearly all of them. That makes it a lender to lower-cost housing, and helps explain its typical loan of $145,000, smaller than about seven in ten similar lenders' $185,000.
It made 562 loans against 499 a year before, a rise of 13%, against 9% for similar lenders and 10% for the whole market. Purchases are 47.0% of its loans and refinances 34.9%. Its dollar total rose to $121.3 million from $97.7 million.
It ranks 20 of 746 lenders in non-metro Tennessee, where it has lent since 1995. In Chattanooga, GA-TN, where it has lent since before 1990, it ranks 31 of 525 with 0.8% of the market against 1.0%; larger lenders' growth there is one possible reason.
1.8% of its loans are VA (guaranteed by the Department of Veterans Affairs) and 1.1% RHS (guaranteed by the Department of Agriculture's Rural Housing Service), where similar lenders make almost none. Its shares of loans to LMI (low- and moderate-income) borrowers, 29.0%, and in LMI areas, 15.8%, are near the middle of similar lenders.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Citizens Tri County Bank took 747 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 47.0% · Refinance 34.9% · Home improvement 11.9% · Other 6.2%
Conventional 97.2% · VA 1.8% · USDA (RHS or FSA) 1.1% · of 562 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Tennessee | 551 | 98.0% |
| Alabama | 5 | 0.9% |
| Georgia | 3 | 0.5% |
| Florida | 2 | 0.4% |
| Virginia | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chattanooga | 181 |
| Nashville-Davidson--Murfreesboro--Franklin | 17 |
| Huntsville | 3 |
| Knoxville | 3 |
| Cleveland | 1 |
| Daphne-Fairhope-Foley | 1 |
| Lynchburg | 1 |
| Ocala | 1 |
| Panama City-Panama City Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RUFHC5ZQDL8J10 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 162337 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 320818 | 1990–2017 |
Established 2 October 1972. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Citizens Tri County Bank's data.
Citizens Tri County Bank's data
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Citizens Tri County Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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