Citizens Bank in Texas vs the state
11.2%Denial rate-8.20 pts vs state
14.6%Decision denial rate-10.32 pts vs state
64.7%Origination rate+9.83 pts vs state
6.38%Median rate-0.13 pts vs state
-0.09Rate spread (pts)-0.28 pts vs state
$163kMedian applicant income
121Loans originated
21Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,175 | 900 | 17.8% | 6.63% | #135 |
| 2024 | 188 | 127 | 14.9% | 6.63% | #418 |
| 2025 | 187 | 121 | 11.2% | 6.38% | #428 |
What Citizens Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Travis County | 24 | 18 | 0 | 0.0% |
| Comal County | 18 | 14 | 1 | 5.6% |
| Collin County | 17 | 12 | 2 | 11.8% |
| Denton County | 16 | 9 | 0 | 0.0% |
| Harris County | 16 | 5 | 5 | 31.3% |
| Dallas County | 13 | 8 | 3 | 23.1% |
| Taylor County | 8 | 7 | 0 | 0.0% |
| Williamson County | 7 | 6 | 1 | 14.3% |
| Guadalupe County | 7 | 4 | 3 | 42.9% |
| Bexar County | 6 | 4 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 187 applications in 2025, of which 121 were originated and 21 denied.
11.2% of all applications, or 14.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Citizens Bank originated in Texas in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Citizens Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology