Citizens Bank & Trust in Alabama vs the state
9.6%Denial rate-10.29 pts vs state
11.5%Decision denial rate-13.50 pts vs state
73.5%Origination rate+18.14 pts vs state
7.00%Median rate+0.50 pts vs state
1.45Rate spread (pts)+1.16 pts vs state
$120kMedian applicant income
100Loans originated
13Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 105 | 71 | 10.5% | — | #192 |
| 2024 | 109 | 74 | 13.8% | — | #206 |
| 2025 | 136 | 100 | 9.6% | 7.00% | #194 |
What Citizens Bank & Trust lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Citizens Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marshall County | 41 | 35 | 2 | 4.9% |
| Cullman County | 22 | 18 | 1 | 4.5% |
| Madison County | 18 | 10 | 4 | 22.2% |
| Jackson County | 13 | 11 | 1 | 7.7% |
| Morgan County | 8 | 3 | 2 | 25.0% |
| DeKalb County | 7 | 6 | 0 | 0.0% |
| Winston County | 4 | 2 | 0 | 0.0% |
| Limestone County | 4 | 1 | 2 | 50.0% |
| Blount County | 4 | 2 | 0 | 0.0% |
| Calhoun County | 3 | 3 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 136 applications in 2025, of which 100 were originated and 13 denied.
9.6% of all applications, or 11.5% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Citizens Bank & Trust originated in Alabama in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are Citizens Bank & Trust's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology