Helping Tennesseans to find their forever homes since 1934.

Whether you’re looking to buy, refinance, or build, our friendly mortgage lenders are ready to help you find the home loan solution that’s the perfect fit for you. With mortgage rates at historic lows, now could be the right time to move forward. You can get started with a simple online application, and we’ll guide you through every step of the process.

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Vic Feathers Mortgage LenderTri-Cities 

Vic Feathers   

423-610-3020




David Oiler Mortgage LenderTri-Cities

David Oiler   

423-547-2062




Kathy Fields Mortgage LenderBristol and Kingsport

Kathy Fields   

423-989-4426




Knoxville, Lenoir City, and LaFollette

Sheri Leonard   

865-824-5751




We’re proud to offer VA loan options to all current or former members of any branch of the U.S. Armed Forces and their spouses. And, in partnership with the USDA, we’re committed to creating pathways to homeownership in rural America.

Department of Veteran Affairs (VA) Loans
  • Loan option available to all current or former members of any branch of U.S. Armed Forces and their surviving spouses.
United States Department of Agriculture (USDA) Home Loans
  • Click here for borrower and program availability information.

With a fixed-rate mortgage, you get predictable monthly payments for the duration of the loan. Or, with an adjustable-rate mortgage (ARM), you can enjoy lower rates up front. We’ll help you make the choice that’s best for you and your family.

Fixed-Rate Mortgage
  • Predictable monthly mortgage interest rates
  • Avoid interest rate inflation for the duration of the loan

Adjustable-Rate Mortgage

  • Enjoy lower interest rates in the early years of your loan
  • Adjustable-Rate Mortgage rates may increase after closing

Our construction loan option allows you to combine your construction financing and mortgage into a single loan and only pay closing costs once. We can provide information on the ins and outs of the process, when payments start, and more. Reach out to any of our mortgage lenders for additional details.


If your dream home doesn’t exist yet, consider a lot loan from Citizens Bank. You can finance the purchase of a plot of land and start planning your build without the time pressure of a construction loan.

CITIZENS BANK NMLS ID#449222

The Secure And Fair Enforcement For Mortgage Licensing Act Of 2008 (SAFE Act) was enacted to improve the accountability and tracking of residential mortgage loan originators,  enhance consumer protection, reduce fraud, and provide consumers with easily accessible  information regarding the professional background of mortgage loan originators. Pursuant to the  SAFE Act, the mortgage loan originators are required to obtain a unique identifier through the  Nationwide Mortgage Licensing System and Registry. The SAFE Act requires mortgage loan  originators (and banks) to provide these unique identifiers to consumers upon request.

NMLS ID# Mortgage Loan Originator

Link here to the NMLS consumer access website.

*Citizens Bank is not acting on behalf of or at the

direction of HUD or the Federal government.

Federal Housing Commissioner Approved Lending Institution