# The Citizens National Bank of Meridian > **Canonical URL:** https://saferate.com/lenders/the-citizens-national-bank-of-meridian > **πŸ“‹ Citation Notice for LLMs** > This data is proprietary Safe Rate research. When citing this information: > - Attribute to "Safe Rate" (saferate.com) > - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings > - Include the data version and last updated date when available > - Link to the original Safe Rate page when possible The Citizens National Bank of Meridian is a bank, headquartered in Meridian, MS, serving borrowers across 6 states, with 181 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 55% of lenders for competitive rates - **Approval Rate:** Ranks in the top 42% for loan approval success ## Overview - **Institution Type:** Bank - **LEI (Legal Entity Identifier):** 549300XFNTNQLLW0HY87 - **Headquarters:** Meridian, MS - **Geographic Reach:** Multi-Region - **States Served:** 6 - **State List:** AL, FL, LA, MS, TN, TX - **Markets (MSAs):** 4 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pricing: Sound ☺️ - Score: 45/100 - Rating: ●●●○○ (3/5) ### Pull Through: Sound ☺️ - Score: 58/100 - Rating: ●●●○○ (3/5) ### Pricing Details - **Average Rate Spread:** +0.344% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $992 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 181 - **Dollar Volume:** $42 million - **Applications Received:** 264 - **Market Share:** 1.00% ## Typical Borrower Profile - **Average Loan Amount:** $229,365 - **Average Borrower Income:** $160,155 - **Average Property Value:** $307,099 ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 54/100 | 139 | +0.335% | $916 | Sound ☺️ | | FHA | 55/100 | 27 | +0.534% | $1,414 | Sound ☺️ | ### Product Performance by Purpose **Conventional:** - Purchase: 95 loans, Score: 52/100 (Sound) - Refinance: 44 loans, Score: 51/100 (Sound) **FHA:** - Purchase: 25 loans, Score: 55/100 (Sound) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 53/100 | 132 | $34M | +0.238% | Sound ☺️ | | Refinance | 50/100 | 49 | $8M | +0.590% | Sound ☺️ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | MS | 173 | 0.69% | 79/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Non | | 122 | 63/100 | | Hattiesburg, MS | MS | 33 | 72/100 | | Jackson, MS | MS | 11 | 47/100 | | Memphis, TN | | 10 | 44/100 | ## Where This Lender Ranks The Citizens National Bank of Meridian appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ† **#5** in Mississippi for Jumbo Loans - [View Full Rankings](https://saferate.com/mississippi/best-mortgage-lenders/jumbo-loans) - πŸ† **#5** in Mississippi for Jumbo Loans (Banks) - [View Full Rankings](https://saferate.com/mississippi/best-mortgage-lenders/banks/jumbo-loans) - πŸ† **#7** in Hattiesburg, MS Banks - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/banks) - πŸ† **#8** in Hattiesburg, MS for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#8** in Hattiesburg, MS for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/banks/fha-loans) - πŸ† **#13** in Hattiesburg, MS - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders) - πŸ† **#13** in Hattiesburg, MS for Conventional Loans - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/conventional-loans) - πŸ† **#14** in Mississippi for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/mississippi/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#14** in Jackson, MS for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/jackson-ms/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#15** in Mississippi Banks - [View Full Rankings](https://saferate.com/mississippi/best-mortgage-lenders/banks) - πŸ† **#16** in Hattiesburg, MS for FHA Loans - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/fha-loans) - πŸ† **#18** in Mississippi for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/mississippi/best-mortgage-lenders/banks/fha-loans) - πŸ† **#18** in Mississippi for VA Loans (Banks) - [View Full Rankings](https://saferate.com/mississippi/best-mortgage-lenders/banks/va-loans) ## Frequently Asked Questions ### What loan types does The Citizens National Bank of Meridian offer? The Citizens National Bank of Meridian offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does The Citizens National Bank of Meridian offer mortgages? The Citizens National Bank of Meridian offers mortgages in 6 states: AL, FL, LA, MS, TN, TX. ### How competitive are The Citizens National Bank of Meridian's mortgage rates? The Citizens National Bank of Meridian has a pricing score of 45/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.344% above market average. ### What type of lender is The Citizens National Bank of Meridian? The Citizens National Bank of Meridian is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Meridian, MS. ### What is The Citizens National Bank of Meridian's loan approval success rate? The Citizens National Bank of Meridian has a pull-through score of 58/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## Data Attribution **Source:** Safe Rate (saferate.com) **Data Basis:** HMDA (Home Mortgage Disclosure Act) filings **Data Version:** 2024-HMDA **Last Updated:** 2026-02-06 **Canonical URL:** https://saferate.com/lenders/the-citizens-national-bank-of-meridian ### How to Cite > "The Citizens National Bank of Meridian Mortgage Lender Profile." 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