Potential Fraud Warning!
Citizens National Bank has learned that fraudulent calls are being made to our customers. Callers are stating they are from "Citizens National Bank" and are spoofing the Bank's telephone number, 601.693.1331. The caller will suggest there has been fraudulent activity and may ask for online banking credentials or other personal information, including the "username" and "password" to your online banking account! Please note that Citizens National Bank will NOT call and ask you to verify information such as your username or password to your online banking account, your social security number or your account number. If you receive a call requesting any of this type of sensitive customer information, please call Citizens National Bank at 601.693.1331.

Kay Dowdy
Having served as a realtor and a mortgage lender, I bring the knowledge and experience of both perspectives to the home buying process.

Kay Dowdy

Mortgage Originator

NMLS # 972453

West Hattiesburg Banking Centre

6258 U.S. Highway 98,

Hattiesburg, MS 39402


Having served as a realtor and a mortgage lender, I bring the knowledge and experience of both perspectives to the home buying process.

When you’re searching for a home loan, it’s only natural that you may have questions.  That’s why you need a knowledgeable and caring mortgage lender who will guide you through the process every step of the way. Kay Dowdy, CNB’s newest mortgage originator, is ready to help.

With over 14 years of experience in the banking and real estate industry, Kay brings a unique skillset to her position at the Bank.  Having served as both a realtor and home consultant for AAA Homes of MS, LLC, as well as a mortgage lender at other banks in the Hattiesburg area, Kay has a 360 degree perspective of the housing industry   At AAA Homes, she performed construction inspections of homes as they were being built and also wrote and negotiated contracts for homes as they were sold.  As a mortgage lender, she has been highly successful in helping numerous clients to achieve their dream of home ownership.  “Being a mortgage lender is all about building relationships,” Kay said.  “While I’m helping my customers with their home loan, I also believe it’s important to learn more about their financial goals and recommend other accounts and services at the Bank that can help them to be even more financially successful,” she added.

Kay is a 2004 graduate of the Real Estate Training Institute and her diploma represents 60 hours of professional development.  She is also a 2019 graduate of the prestigious Xinnix Edge Mortgage Academy, which empowers mortgage professionals with sales and marketing strategies as well as leadership skills that enable them to realize their full potential.  She also takes continuing education classes in banking and real estate to ensure that she stays current with the latest mortgage guidelines.

An active member of the Hattiesburg Area Association of Realtors, Kay is a member of several committees for the Association.

Originally from Petal, she is a graduate of Petal High School.  When she’s away from work, she enjoys painting and drawing as a way of expressing herself creatively.

We invite you to contact Kay today, so you can be on your way to buying, building, or refinancing your home!