Applications / Mortgage Analytics / Lenders / Tennessee / Citizens Bank
Elizabethton, TN · State non-member bank · FDIC · $1.3 billion assets · 173 loans in 2025
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173
loans originated, 2025
187
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Bank, a Tennessee bank, grew faster than about nine in ten similar lenders in 2025 and began lending in several new metro markets.
Originations rose from 114 to 173, or 52%. Similar lenders (state non-member banks making between half and twice as many loans) grew 10%. The count is back near its 2018 level after falling from 281 in 2021. Home purchases made up 78.0% of its loans.
It lent $102.7 million, more than about nine in ten similar lenders, whose typical total was $40.9 million. Yet its typical loan, $215,000, was only somewhat larger than peers' $175,000. A few much larger loans may account for much of the total. Whether they finance homes or bigger properties is an open question.
Its share rose from 0.7% to 1.2% in Morristown, TN, and from 0.2% to 0.6% in Kingsport-Bristol, TN-VA, where it has lent since at least 1990. In 2025 it made its first loans in Asheville, NC, Macon-Bibb County, GA, Jacksonville, NC and Albany, GA. It already ranks 32 of 328 in Macon-Bibb County.
Low- and moderate-income (LMI) neighborhoods took 31.4% of its loans, against 17.6% at similar lenders, more than at four in five of them. Majority-minority neighborhoods took 7.5%, near the middle of its peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 187 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 78.0% · Refinance 20.2% · Home improvement 1.7%
Conventional 100.0% · of 173 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 | 145 | 83.8% |
| North Carolina | 18 | 10.4% |
| South Carolina | 3 | 1.7% |
| Virginia | 3 | 1.7% |
| Alabama | 2 | 1.2% |
| Georgia | 2 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Knoxville | 45 |
| Kingsport-Bristol | 40 |
| Johnson City | 36 |
| Morristown | 12 |
| Asheville | 6 |
| Hickory-Lenoir-Morganton | 4 |
| Birmingham | 2 |
| Cleveland | 2 |
| Jacksonville | 2 |
| Winston-Salem | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300E035FX7XMJ6713 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 778738 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314851 | 1990–2017 |
Established 3 November 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Citizens Bank's data.
Citizens Bank's data
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Citizens 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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