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
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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
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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
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Tammy Ladd
Assistant Vice President and Mortgage Lender
One First Citizens Place
Dyersburg, TN 38024
731.287.4362
tladd@firstcnb.com
NMLS ID 703865
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Tonya Carson
Mortgage Lender
One First Citizens Place
Dyersburg, TN 38024
731.287.4366
tcarson@firstcnb.com
NMLS ID 455942
MARTIN, TROY, JACKSON AND UNION CITY
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Edith Dunevant
Assistant Vice President and Mortgage Lender
100 Washington Avenue
Union City, TN 38261
731.431.7213
edunevant@firstcnb.com
NMLS ID 703849
ATOKA, MILLINGTON, MUNFORD, AND RIPLEY
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Melissa Fleming
Mortgage Lender
123 Atoka-Munford Avenue
Atoka, TN 38004
901.837.0133
mfleming@firstcnb.com
NMLS ID 1483369
ARLINGTON, BARTLETT, COLLIERVILLE AND OAKLAND
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Bob Zacher
Mortgage Lender
5845 Airline Road
Arlington, TN 38002
901.489.1217
bzacher@firstcnb.com
NMLS ID 137172
WILLIAMSON, DAVIDSON, RUTHERFORD AND MAURY COUNTIES
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Cindy Long
Mortgage Lender
9045 Carothers Parkway
Franklin, TN 37067
931.215.6330
clong@firstcnb.com
NMLS ID 679368