Citizens Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A 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%
79th3.7% deniedProcesswithdrawn + incomplete share, weight 15%
84th3.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 217 | 205 | 2.3% | 2.4% | — | $30M |
| 2024 | 209 | 186 | 7.7% | 7.8% | — | $35M |
| 2025 | 195 | 176 | 3.6% | 3.7% | — | $34M |
What Citizens Bank 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, 27 manufactured homes, 31 investment properties.
Who gets approved at Citizens Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 40 | 36 | 5.3% |
| $50k – $100k | 77 | 66 | 6.8% |
| $100k – $150k | 26 | 26 | 0.0% |
| $150k – $250k | 29 | 26 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 34 | 32 | 2.9% |
| 35–44 | 33 | 29 | 3.3% |
| 45–54 | 40 | 36 | 2.6% |
| 55–64 | 41 | 37 | 7.3% |
| 65–74 | 20 | 17 | 0.0% |
Where Citizens Bank lends
1 states and 16 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Tennessee | 195 | 176 | 3.6% | — | #221 |
Frequently asked questions
Citizens Bank denied 3.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 79th percentile of small mortgage lenders.
In 2025, 43% of its applications were for home purchases, 33% for refinancing (including cash-out), and 24% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% 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.