Citizens First Bank in Florida vs the state
5.4%Denial rate-15.64 pts vs state
6.5%Decision denial rate-20.74 pts vs state
77.3%Origination rate+24.60 pts vs state
6.88%Median rate+0.25 pts vs state
0.28Rate spread (pts)+0.01 pts vs state
$132kMedian applicant income
2,267Loans originated
159Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,035 | 2,396 | 3.8% | 7.20% | #61 |
| 2024 | 2,805 | 2,252 | 3.7% | 7.10% | #66 |
| 2025 | 2,933 | 2,267 | 5.4% | 6.88% | #70 |
What Citizens First Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Citizens First Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sumter County | 2,520 | 1,983 | 107 | 4.2% |
| Lake County | 268 | 190 | 26 | 9.7% |
| Marion County | 126 | 84 | 21 | 16.7% |
| Citrus County | 15 | 8 | 5 | 33.3% |
| Polk County | 1 | 1 | 0 | 0.0% |
| Martin County | 1 | 1 | 0 | 0.0% |
| Volusia County | 1 | 0 | 0 | 0.0% |
| Orange County | 1 | 0 | 0 | 0.0% |
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: 2,933 applications in 2025, of which 2,267 were originated and 159 denied.
5.4% of all applications, or 6.5% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Citizens First Bank originated in Florida in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Citizens First 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