The Citizens Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A 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%
88th2.1% deniedProcesswithdrawn + incomplete share, weight 15%
66th8.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 262 | 225 | 7.3% | 7.8% | — | $64M |
| 2024 | 250 | 206 | 6.4% | 7.2% | — | $59M |
| 2025 | 208 | 185 | 1.9% | 2.1% | — | $62M |
What The Citizens 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, 31 manufactured homes, 67 investment properties.
Who gets approved at The Citizens Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 52 | 42 | 0.0% |
| $100k – $150k | 45 | 41 | 0.0% |
| $150k – $250k | 33 | 31 | 3.1% |
| Over $250k | 38 | 34 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 34 | 30 | 0.0% |
| 35–44 | 29 | 27 | 0.0% |
| 45–54 | 39 | 35 | 5.4% |
| 55–64 | 40 | 33 | 2.9% |
| 65–74 | 22 | 19 | 5.0% |
Where The Citizens Bank lends
2 states and 22 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| South Carolina | 206 | 184 | 1.9% | — | #182 |
Frequently asked questions
The Citizens Bank denied 2.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 88th percentile of small mortgage lenders.
In 2025, 66% of its applications were for home purchases, 25% for refinancing (including cash-out), and 8% 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.