The Citizens Bank of Philadelphia, Mississippi 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%
54th8.9% deniedProcesswithdrawn + incomplete share, weight 15%
28th17.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 287 | 208 | 12.5% | 14.8% | — | $58M |
| 2024 | 420 | 313 | 7.1% | 8.7% | — | $72M |
| 2025 | 435 | 328 | 7.4% | 8.9% | — | $71M |
What The Citizens Bank of Philadelphia, Mississippi 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, 152 investment properties.
Who gets approved at The Citizens Bank of Philadelphia, Mississippi
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 61 | 42 | 20.8% |
| $50k – $100k | 111 | 83 | 6.7% |
| $100k – $150k | 70 | 58 | 3.3% |
| $150k – $250k | 38 | 28 | 9.7% |
| Over $250k | 36 | 30 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 43 | 34 | 8.1% |
| 35–44 | 62 | 45 | 6.3% |
| 45–54 | 83 | 65 | 8.5% |
| 55–64 | 69 | 51 | 5.5% |
| 65–74 | 46 | 37 | 15.9% |
Where The Citizens Bank of Philadelphia, Mississippi lends
7 states and 46 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Mississippi | 425 | 322 | 7.3% | — | #46 |
| Alabama | 5 | 3 | 0.0% | — | #578 |
Frequently asked questions
The Citizens Bank of Philadelphia, Mississippi denied 8.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 54th percentile of small mortgage lenders.
In 2025, 34% of its applications were for home purchases, 53% for refinancing (including cash-out), and 13% for home improvement or other purposes. By loan type: 99% 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.