The Citizens Bank of Edmond 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 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
58th3.7% deniedProcesswithdrawn + incomplete share, weight 15%
70th2.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 113 | 97 | 2.7% | 2.9% | — | $34M |
| 2024 | 88 | 82 | 2.3% | 2.4% | — | $27M |
| 2025 | 139 | 124 | 3.6% | 3.7% | — | $38M |
What The Citizens Bank of Edmond 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, 0 manufactured homes, 111 investment properties.
Why The Citizens Bank of Edmond denies applications
Primary reason reported for each of the 5 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Where The Citizens Bank of Edmond lends
2 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 |
|---|---|---|---|---|---|
| Oklahoma | 138 | 123 | 3.6% | — | #157 |
Frequently asked questions
The Citizens Bank of Edmond 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 58th percentile of investment-property lenders.
The most common reason The Citizens Bank of Edmond gave in 2025 was "credit history", cited on 80.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 49% of its applications were for home purchases, 43% for refinancing (including cash-out), and 8% for home improvement or other purposes. By loan type: 99% conventional, 1% 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.