Sharon Greene

Sharon Greene, Mortgage Sales Manager 
(865) 286-2290
Apply With Sharon


Lois Ownby,
Mortgage Lender 
(865) 429-7559
Apply With Lois


Duane Graves,
Mortgage Lender
(865) 850-4606
    Apply With Duane

Amy Lane - Copy

Amy Bryant,
Mortgage Lender 
(865) 286-2281
Apply With Amy

Amy Lane - Copy

Nikki Dome,
Mortgage Lender
(865) 429-7957
  Apply With Nikki

Amy Lane - Copy

Sherry Duncan,
Mortgage Lender
(865) 414-0322
   Apply With Sherry

Financing your home couldn’t be easier at Citizens National Bank.  Choosing a mortgage is all about the basics – great rate, flexible payment and security.  If you’ve already bought the home of your dreams, maybe you should consider refinancing.  With a mortgage
loan from Citizens National Bank, you are able to consolidate debit,
lower your monthly payment or shorten the term of your loan by
refinancing your current mortgage.

  • Competitive rates
  • Variety of terms to fit your needs
  • Payments may be automatically deducted from your CNB
    checking or savings account
  • Funds may be used for home purchase or refinancing, lot
    or land acquisition, residential construction or home

Contact a CNB loan officer today in person, by phone, by email or by
using our Live Chat via the website.  We look forward to assisting you
with all your financial needs.

Mortgage Loans – Secondary Market

Citizens National Bank’s Mortgage Department is proud of our reputation for dependability, honesty and genuine concern for meeting our customers’ specific needs.  We are dedicated to providing the best interest rates and terms available.   In addition to great rates, you’ll also receive low closing costs, fast approvals, and quick closings.

Conventional Mortgage Loans – Secondary Market

“The best part of my job is the ability to develop long-lasting relationships with our customers.” -Lois Ownby, Vice President and Mortgage Lender

  • 95% financing available for primary residences
  • 90% financing available for secondary residences
  • 80% financing available for investment properties


  • 96.5% financing available for primary residences

USDA Rural Housing

  • 100% financing available for primary residences
  • Income limits apply


  • 100% financing available for primary residences


  • Long term financing available


  • Financing can be used for primary residences, secondary residences, investment properties or spec  homes.

Need advice, have questions, or want to apply?  Contact us today.