Applications / Mortgage Analytics / Lenders / Tennessee / Citizens Savings Bank and Trust Company
Nashville, TN · State non-member bank · FDIC · $183 million assets · 44 loans in 2025
Citizens Savings Bank and Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
44
loans originated, 2025
131
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Savings Bank and Trust Company, a small Nashville bank, makes nearly half its loans in majority-minority neighborhoods, many times the share at similar banks.
Majority-minority neighborhoods took 47.7% of its 44 loans, against 5.6% at similar lenders, state non-member banks making between half and twice as many loans. That is higher than at about nine in ten of them. Low- and moderate-income (LMI) neighborhoods took 38.6%, against 18.7%, and LMI borrowers 36.4%, against 28.2%.
Its typical loan was $290,000, against $165,000, larger than at more than four in five similar lenders. Purchases made up 72.7% of its loans and refinances 27.3%.
It has lent in Nashville since at least 1990. It ranked 228 of 821 lenders there, with 0.1% of the market, unchanged from a year earlier.
It filed no report for 2018 to 2022; those are gaps in the record, not years without lending. Its loan count fell 20%, from 55 to 44, while similar lenders typically grew 3%. At this size a few loans make that difference.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Citizens Savings Bank and Trust Company took 131 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.7% · Refinance 27.3%
Conventional 100.0% · of 44 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 | 44 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nashville-Davidson--Murfreesboro--Franklin | 37 |
| Memphis | 5 |
| Clarksville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2138005KH543RLMQHE28 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 55635 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310319 | 1990–2016 |
Established 4 January 1904. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Citizens Savings Bank and Trust Company's data.
Citizens Savings Bank and Trust Company's data
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Citizens Savings Bank and Trust Company 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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