Citizens Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
73rd1.7% deniedProcesswithdrawn + incomplete share, weight 15%
53rd4.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 157 | 147 | 1.9% | 2.0% | — | $45M |
| 2024 | 134 | 114 | 3.7% | 4.1% | — | $83M |
| 2025 | 187 | 173 | 1.6% | 1.7% | — | $103M |
What Citizens Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 42 manufactured homes, 147 investment properties.
Where Citizens Bank lends
6 states and 41 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Tennessee | 158 | 145 | 1.9% | — | #248 |
| North Carolina | 19 | 18 | 0.0% | — | #534 |
Frequently asked questions
Citizens Bank denied 1.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 73rd percentile of investment-property lenders.
In 2025, 78% of its applications were for home purchases, 20% for refinancing (including cash-out), and 2% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.