Applications / Mortgage Analytics / Lenders / Tennessee / Citizens Bank
Carthage, TN · State non-member bank · FDIC · $831 million assets · 176 loans in 2025
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176
loans originated, 2025
195
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Bank, a Tennessee bank lending in 16 counties, sends far more of its loans to poorer borrowers and neighborhoods than similar lenders do.
Low- and moderate-income (LMI) borrowers took 42.9% of its loans, against 27.7% at similar lenders (state non-member banks making between half and twice as many loans), higher than at about nine in ten. LMI areas took 32.4%, against 17.6%. It made no loans in majority-minority areas, which may reflect the counties it serves.
Manufactured homes were 13.6% of its loans, against 2.8% at peers. Its typical loan was $145,000, against $175,000. All its loans were conventional, and home purchases made up 44.3%.
It made 176 loans in 2025, down 5% from 186, while similar lenders' counts rose 10%. Its count has fallen every year since 2021, when it made 332. Those years were the busiest in its record; fewer refinances since, or a choice to lend less in some counties, could explain the slide.
In Nashville-Davidson--Murfreesboro--Franklin, TN, it ranked 184 of 821 lenders, with 0.1% of lending, unchanged on 2024. In non-metro Tennessee it ranked 116 of 746. It has lent in both since 2004.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Bank took 195 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 44.3% · Refinance 33.0% · Other 13.1% · Home improvement 9.7%
Conventional 100.0% · of 176 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 | 176 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 100 |
| Knoxville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900RQ2FMUUUQUGI02 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 126834 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3893 | 2004–2017 |
Established 26 October 1929. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Citizens Bank's data.
Citizens Bank's data
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