Citizens Bank in Florida vs the state
34.7%Denial rate+13.60 pts vs state
40.6%Decision denial rate+13.39 pts vs state
49.1%Origination rate-3.55 pts vs state
7.90%Median rate+1.28 pts vs state
0.63Rate spread (pts)+0.36 pts vs state
$140kMedian applicant income
2,297Loans originated
1,620Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,600 | 3,580 | 40.6% | 8.25% | #29 |
| 2024 | 4,766 | 2,333 | 36.6% | 8.90% | #47 |
| 2025 | 4,674 | 2,297 | 34.7% | 7.90% | #45 |
What Citizens Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 785 | 349 | 324 | 41.3% |
| Palm Beach County | 627 | 320 | 205 | 32.7% |
| Broward County | 576 | 256 | 242 | 42.0% |
| Lee County | 226 | 114 | 78 | 34.5% |
| Collier County | 209 | 111 | 61 | 29.2% |
| Hillsborough County | 182 | 92 | 59 | 32.4% |
| Orange County | 169 | 84 | 59 | 34.9% |
| Pinellas County | 142 | 62 | 52 | 36.6% |
| Sarasota County | 123 | 64 | 40 | 32.5% |
| St. Johns County | 121 | 73 | 25 | 20.7% |
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: 4,674 applications in 2025, of which 2,297 were originated and 1,620 denied.
34.7% of all applications, or 40.6% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Citizens Bank originated in Florida in 2025 was 7.90%, against a statewide median of 6.63%.
About this data. Figures are Citizens Bank'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