Citizens Bank in Alabama vs the state
29.3%Denial rate+9.49 pts vs state
35.0%Decision denial rate+9.96 pts vs state
53.6%Origination rate-1.76 pts vs state
8.15%Median rate+1.65 pts vs state
0.95Rate spread (pts)+0.66 pts vs state
$112kMedian applicant income
170Loans originated
93Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 796 | 440 | 34.3% | 7.38% | #51 |
| 2024 | 266 | 137 | 29.7% | 9.15% | #116 |
| 2025 | 317 | 170 | 29.3% | 8.15% | #117 |
What Citizens Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 56 | 33 | 13 | 23.2% |
| Shelby County | 41 | 23 | 11 | 26.8% |
| Madison County | 32 | 22 | 7 | 21.9% |
| Baldwin County | 32 | 14 | 11 | 34.4% |
| Tuscaloosa County | 20 | 13 | 5 | 25.0% |
| Mobile County | 15 | 6 | 6 | 40.0% |
| Cullman County | 11 | 5 | 5 | 45.5% |
| Lee County | 9 | 5 | 3 | 33.3% |
| Limestone County | 8 | 3 | 2 | 25.0% |
| Marshall County | 7 | 4 | 2 | 28.6% |
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: 317 applications in 2025, of which 170 were originated and 93 denied.
29.3% of all applications, or 35.0% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Citizens Bank originated in Alabama in 2025 was 8.15%, against a statewide median of 6.50%.
About this data. Figures are Citizens Bank'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