Buying a home is usually the single biggest investment you will make in your lifetime, and at Citizens Tri-County Bank we take mortgage lending very seriously. We understand that getting the right mortgage for your need is as important as finding just the right home for you and your family.

We can design a custom mortgage to fit your needs!

• We offer…
• Primary Residence Loans
• 2nd Home/Vacation Homes
• Investment Property Loans
• Competitive Fixed (This is in the Mortgage Department ONLY)
• FHA
• VA
• Conventional
• And many other mortgage options.

Whether you're building your first home or trading up, our knowledgeable professionals will work with you to build the right loan for your needs. And…we'll make life a little easier by simplifying the entire mortgage process by transferring your new home construction loan into a fixed mortgage process without hidden fees.

You choose the home and we'll build the loan!

Loan Calculator

For further information contact us at (423) 949-8999



For a List of NMLS numbers click here.

Online Mortgage Application

WELCOME TO OUR LOAN WEBPAGE

You can apply here for loans from your home, by mail, by fax, or by using the electronic applications on this page. The applications on this page will lead to loans for a custom fit for your needs.

We understand the importance of getting the right loan. Please don’t hesitate to call our knowledgeable professionals who will work with you to build the right loan for you. Simply call any of our branch offices, or just call 423-949-2173 and we will guide you to lender to help you. 

You can apply here for a loan here for any purpose. If you are interested in a mortgage loan, click here for a side-by side comparison of two general mortgage types.

This first application below is designed for mortgage applications typically with longer terms and often first mortgages, with competitive rates and terms.  Mortgages from this application also include government-sponsored loans, such as from FHA, VA, and USDA.  Our lenders are experienced in designing loans for any unique circumstance and need.

Click Here For An Online Mortgage Application

This second application below covers consumer loans or small business loans that will not be secured by real estate, and frequently unsecured.  For instance, this application can lead to a loan for home improvement, an auto or boat purchase, bill consolidation, or any worthwhile reason.

Click Here For A Multi-Purpose Loan Application 

(Non-Real Estate)  

This last application covers mortgages, both first mortgages and second mortgages, with typically shorter terms to meet your various needs.  For instance, this application will lead to a loan for home improvement, construction, refinance, a second/vacation home, property, an investment home, or a home equity line of credit.

For disclosures that contain rate, fee, and other cost information about our home equity lines of credit, please click here.  For disclosures that contain rate, fee, and other cost information on our adjustable rate mortgage loans, please click here. 

Click Here For A Mortgage Loan Application

(Real Estate)

 Click Here For A List Of NMLS Numbers Of Our Lenders