Citizens Bank and Trust in Florida vs the state
13.5%Denial rate-7.58 pts vs state
15.0%Decision denial rate-12.26 pts vs state
70.9%Origination rate+18.18 pts vs state
—Median rate
—Rate spread (pts)
$102kMedian applicant income
163Loans originated
31Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 313 | 244 | 11.2% | — | #305 |
| 2024 | 216 | 155 | 11.6% | — | #365 |
| 2025 | 230 | 163 | 13.5% | — | #348 |
What Citizens Bank and Trust lends in Florida
By loan purpose
By loan type
Where in Florida
Counties with the most Citizens Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 187 | 137 | 22 | 11.8% |
| Hillsborough County | 13 | 7 | 2 | 15.4% |
| Pasco County | 6 | 3 | 1 | 16.7% |
| Seminole County | 3 | 2 | 1 | 33.3% |
| Lake County | 3 | 3 | 0 | 0.0% |
| Highlands County | 2 | 0 | 2 | 100.0% |
| Hardee County | 2 | 1 | 1 | 50.0% |
| Manatee County | 2 | 2 | 0 | 0.0% |
| Charlotte County | 2 | 2 | 0 | 0.0% |
| Miami-Dade County | 1 | 0 | 1 | 100.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 230 applications in 2025, of which 163 were originated and 31 denied.
13.5% of all applications, or 15.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Citizens Bank and Trust's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology