Citizens Tri-County Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
44th11.3% deniedPricingmedian rate spread over APOR, weight 30%
11th1.04 ptsProcesswithdrawn + incomplete share, weight 15%
62nd9.1%Closing coststotal loan costs ÷ loan amount, weight 10%
79th1.18% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 755 | 549 | 10.1% | 11.2% | 8.25% | $99M |
| 2024 | 647 | 499 | 5.6% | 6.3% | 8.20% | $98M |
| 2025 | 747 | 562 | 10.3% | 11.3% | 7.50% | $121M |
What Citizens Tri-County 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, 137 manufactured homes, 134 investment properties.
Why Citizens Tri-County Bank denies applications
Primary reason reported for each of the 77 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Citizens Tri-County Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 154 | 96 | 21.0% |
| $50k – $100k | 261 | 190 | 12.9% |
| $100k – $150k | 131 | 100 | 7.8% |
| $150k – $250k | 100 | 90 | 2.0% |
| Over $250k | 61 | 55 | 5.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 53 | 32 | 14.3% |
| 25–34 | 118 | 81 | 14.6% |
| 35–44 | 129 | 100 | 9.2% |
| 45–54 | 162 | 123 | 14.2% |
| 55–64 | 144 | 109 | 10.6% |
| 65–74 | 87 | 71 | 6.2% |
| Over 74 | 26 | 19 | 16.0% |
Where Citizens Tri-County Bank lends
6 states and 37 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Citizens Tri-County Bank denied 11.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 44th percentile of small mortgage lenders.
The most common reason Citizens Tri-County Bank gave in 2025 was "debt-to-income ratio", cited on 40.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Citizens Tri-County Bank originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 1.04 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 49% of its applications were for home purchases, 33% for refinancing (including cash-out), and 18% for home improvement or other purposes. By loan type: 94% conventional, 2% 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.