Citizens Bank in Missouri vs the state
13.0%Denial rate-2.08 pts vs state
17.9%Decision denial rate-0.84 pts vs state
58.4%Origination rate-4.22 pts vs state
6.38%Median rate-0.25 pts vs state
0.08Rate spread (pts)-0.27 pts vs state
$128kMedian applicant income
45Loans originated
10Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 191 | 115 | 28.8% | 6.88% | #159 |
| 2024 | 55 | 34 | 20.0% | 6.75% | #321 |
| 2025 | 77 | 45 | 13.0% | 6.38% | #299 |
What Citizens Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 23 | 16 | 1 | 4.3% |
| Jackson County | 10 | 6 | 0 | 0.0% |
| St. Charles County | 9 | 5 | 1 | 11.1% |
| Jefferson County | 7 | 5 | 0 | 0.0% |
| Jasper County | 6 | 2 | 2 | 33.3% |
| Camden County | 3 | 0 | 2 | 66.7% |
| St. Louis city | 2 | 2 | 0 | 0.0% |
| Lincoln County | 2 | 2 | 0 | 0.0% |
| Clay County | 2 | 1 | 0 | 0.0% |
| Platte County | 2 | 1 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 77 applications in 2025, of which 45 were originated and 10 denied.
13.0% of all applications, or 17.9% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Citizens Bank originated in Missouri in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Citizens Bank's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology