The Citizens National Bank of Meridian is a mortgage from Citizens National Bank of Meridian. The ongoing APR is The 7.70% Annual Percentage Rate (APR) is fixed. Approval typically requires a credit score of 625 or higher. Typical credit limit: Pay as little as 2% down (purchase), 5% down (refinance); Maximum loan amount $200,000 (Hattiesburg, Jackson, DeSoto County) / $150,000 (Non-Metro Area). Loan terms: 20-year or 30-year term.