Citizens Bank and Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
27th16.3% deniedProcesswithdrawn + incomplete share, weight 15%
83rd3.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 185 | 160 | 8.1% | 8.2% | — | $38M |
| 2024 | 133 | 123 | 5.3% | 5.3% | — | $29M |
| 2025 | 185 | 135 | 15.7% | 16.3% | — | $33M |
What Citizens Bank and 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, 16 manufactured homes, 68 investment properties.
Who gets approved at Citizens Bank and Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 27 | 15 | 42.3% |
| $50k – $100k | 42 | 23 | 23.7% |
| $100k – $150k | 37 | 25 | 17.1% |
| $150k – $250k | 23 | 20 | 8.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 27 | 16 | 25.9% |
| 35–44 | 28 | 20 | 14.8% |
| 45–54 | 26 | 17 | 20.8% |
| 55–64 | 23 | 16 | 18.2% |
Where Citizens Bank and Trust lends
2 states and 31 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Virginia | 183 | 133 | 15.9% | — | #213 |
Frequently asked questions
Citizens Bank and Trust denied 16.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 27th percentile of small mortgage lenders.
In 2025, 56% of its applications were for home purchases, 21% for refinancing (including cash-out), and 24% for home improvement or other purposes. By loan type: 98% conventional, 1% FHA, 1% 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.