Citizens National Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
61st7.4% deniedProcesswithdrawn + incomplete share, weight 15%
92nd1.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 271 | 207 | 6.3% | 6.4% | — | $62M |
| 2024 | 219 | 189 | 5.5% | 5.6% | — | $51M |
| 2025 | 206 | 168 | 7.3% | 7.4% | — | $49M |
What Citizens National 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, 6 manufactured homes, 87 investment properties.
Why Citizens National Bank denies applications
Primary reason reported for each of the 15 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Citizens National Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 33 | 20 | 25.0% |
| $100k – $150k | 31 | 26 | 3.2% |
| $150k – $250k | 29 | 21 | 3.5% |
| Over $250k | 29 | 27 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 39 | 25 | 16.2% |
| 45–54 | 32 | 26 | 12.5% |
| 55–64 | 23 | 16 | 4.4% |
Where Citizens National Bank lends
6 states and 32 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Citizens National Bank denied 7.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 61st percentile of small mortgage lenders.
The most common reason Citizens National Bank gave in 2025 was "credit history", cited on 60.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 57% of its applications were for home purchases, 38% for refinancing (including cash-out), and 5% for home improvement or other purposes. By loan type: 95% conventional, 0% FHA, 2% 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.