Applications / Mortgage Analytics / Lenders / Tennessee / Citizens National Bank
Sevierville, TN · National bank · OCC · $2.0 billion assets · 65 loans in 2025
Citizens National Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
65
loans originated, 2025
73
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens National Bank, a purchase lender based in Sevierville, Tennessee, made a third fewer loans in 2025, and its loans are larger than most similar banks'.
Its loan count fell 33%, from 97 to 65, while similar lenders, national banks making between half and twice as many loans, typically grew 3%. Its loan dollars fell from $65.2 million to $27.3 million even as its typical loan rose, so a few large loans in 2024 may account for much of the dollar fall.
Purchases made up 76.9% of its loans. Its typical loan was $305,000, against $175,000 at similar lenders, larger than at about four in five. Jumbo loans (larger than the conforming limit) were 6.5%, against 3.1%.
In Morristown, where it has lent since at least 1990, its share fell from 2.2% to 0.6%, ranking it 35 of 268 lenders. Its smaller total and fewer large loans may account for the change.
Low- and moderate-income (LMI) borrowers took 20.8% of its loans, up from 8.1% in 2020 and near the middle of similar lenders, where 23.4% is typical.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 National Bank took 73 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.9% · Refinance 15.4% · Home improvement 4.6% · Other 3.1%
Conventional 100.0% · of 65 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 | 65 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Morristown | 15 |
| Knoxville | 3 |
| Chattanooga | 2 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YL0TMLCEU0GW61 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 717737 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 116076 | 1990–2017 |
Established 5 February 1973. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Citizens National Bank's data.
Citizens National Bank's data
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Citizens National 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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