Citizens' Bank & Trust 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 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
47th10.4% deniedProcesswithdrawn + incomplete share, weight 15%
67th8.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 141 | 121 | 5.0% | 5.5% | — | $22M |
| 2024 | 108 | 100 | 4.6% | 4.8% | — | $16M |
| 2025 | 125 | 103 | 9.6% | 10.4% | — | $18M |
What Citizens' Bank & Trust 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, 12 manufactured homes, 31 investment properties.
Who gets approved at Citizens' Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 20 | 11 | 35.3% |
| $50k – $100k | 46 | 37 | 11.9% |
| $100k – $150k | 31 | 30 | 3.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 23 | 17 | 10.5% |
| 35–44 | 21 | 17 | 15.0% |
| 45–54 | 22 | 18 | 14.3% |
| 55–64 | 25 | 19 | 13.6% |
Where Citizens' Bank & Trust lends
2 states and 8 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Citizens' Bank & Trust denied 10.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 47th percentile of small mortgage lenders.
In 2025, 47% of its applications were for home purchases, 46% for refinancing (including cash-out), and 7% for home improvement or other purposes. By loan type: 91% conventional, 4% FHA, 2% 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.