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Mortgage Lending Team

The First Citizens National Bank mortgage team consists of professional, local lenders who are committed to helping you finance the home of your dreams. Contact a lender in your area to get started.

 

DYERSBURG AND NEWBERN

  • Ronda Heathcott
    Senior Vice President and Manager of Mortgage Lending
    One First Citizens Place
    Dyersburg, TN 38024
    731.287.4351
    rheathcott@firstcnb.com
    NMLS ID 173600

  • Sonya Burks
    Vice President and Assistant Manager of Mortgage Lending/Mortgage Lender
    One First Citizens Place
    Dyersburg, TN 38024
    731.287.4352
    sburks@firstcnb.com
    NMLS ID 703844

  • Tammy Ladd
    Assistant Vice President and Mortgage Lender
    One First Citizens Place
    Dyersburg, TN 38024
    731.287.4362
    tladd@firstcnb.com
    NMLS ID 703865

MARTIN, TROY AND UNION CITY

  • Edith Dunevant
    Assistant Vice President and Mortgage Lender
    100 Washington Avenue
    Union City, TN 38261
    731.886.1121
    edunevant@firstcnb.com
    NMLS ID 703849

ATOKA, MILLINGTON, MUNFORD, BARTLETT AND RIPLEY

  • Gwen Chambers
    Assistant Vice President and Mortgage Lender
    123 Atoka-Munford Avenue
    Atoka, TN 38004
    901.840.4666
    gchambers@firstcnb.com
    NMLS ID 703846

ARLINGTON, COLLIERVILLE AND OAKLAND

  • Bob Zacher
    Mortgage Lender
    5845 Airline Road
    Arlington, TN 38002
    901.489.1217
    bzacher@firstcnb.com
    NMLS ID 137172

GIBSON AND MADISON COUNTIES

  • Kathy Davidson
    Mortgage Lender
    381 Walker Road
    Jackson, TN 38305
    731.664.5759
    kdavidson@firstcnb.com
    NMLS ID 508154

WILLIAMSON, DAVIDSON, RUTHERFORD AND MAURY COUNTIES

  • Cindy Long
    Mortgage Lender
    9045 Carothers Parkway
    Franklin, TN 37067
    931.215.6330
    clong@firstcnb.com
    NMLS ID 679368

 

As one of the leading providers of Mortgage Services in Bradley County, Southern Heritage Bank has developed a reputation for taking great care of customers … and earning repeat business opportunities. Whether you’re purchasing a home or refinancing, we can help. Our experienced local lenders are ready to help you determine the best type of loan to fit your objectives and budget. Talk to us or Apply Online today.

 
Joy Akins
MLO ID # 500782
Senior Vice President
Office: 423.303.1729
Cell: 423.645.8839
jakins@southernheritagebank.com
Joe Womac
MLO ID #500886
Mortgage Loan Officer
Office: 423.303.1743
Cell: 423.596.2131
jwomac@southernheritagebank.com
Rita Haynie
MLO ID #659301
Mortgage Originator
Office: 423.303.1730
Cell: 423.505.2707
rhaynie@southernheritagebank.com