Citizens Savings 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%
64th6.8% deniedProcesswithdrawn + incomplete share, weight 15%
76th5.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 350 | 284 | 6.0% | 6.5% | — | $37M |
| 2024 | 297 | 236 | 5.7% | 6.1% | — | $31M |
| 2025 | 267 | 218 | 6.4% | 6.8% | — | $33M |
What Citizens Savings 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, 33 manufactured homes, 73 investment properties.
Who gets approved at Citizens Savings Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 33 | 22 | 24.1% |
| $50k – $100k | 85 | 70 | 6.2% |
| $100k – $150k | 56 | 49 | 1.9% |
| $150k – $250k | 49 | 40 | 2.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 59 | 42 | 11.3% |
| 35–44 | 38 | 28 | 8.6% |
| 45–54 | 46 | 40 | 4.6% |
| 55–64 | 42 | 36 | 4.9% |
| 65–74 | 26 | 25 | 0.0% |
Where Citizens Savings Bank lends
3 states and 14 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Louisiana | 249 | 208 | 5.6% | — | #98 |
| Mississippi | 17 | 9 | 17.7% | — | #251 |
Frequently asked questions
Citizens Savings Bank denied 6.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 64th percentile of small mortgage lenders.
In 2025, 48% of its applications were for home purchases, 33% for refinancing (including cash-out), and 20% 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.