Citizens Bank
Citizens Bank received 184 applications in 2025 and made 129 mortgages, in 24 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $285,000. Of 170 decisions, 22 were denials — 12.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493002FSR6V2NM1K863 |
|---|---|
| Applications received | 184 |
| Mortgages made | 129 |
| Denied | 22 |
| Approved, not taken up | 19 |
| Withdrawn or incomplete | 14 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Citizens Bank, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 90 | Not published | $295,000 | 4.5% |
| Refinancing | 24 | Not published | $275,000 | 22.9% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Other purposes | 13 | Not published | $145,000 | 35.0% |
Where Citizens Bank lends most
The 24 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Waukesha County, WI | 54 | Not published | 14.9% |
| Walworth County, WI | 21 | Not published | 9.7% |
| Racine County, WI | 15 | Not published | 5.0% |
| Milwaukee County, WI | 13 | Not published | 6.3% |
| Jefferson County, WI | 7 | Under 10 loans | 12.5% |
| Washington County, WI | 4 | Under 10 loans | 0.0% |
| Dodge County, WI | 3 | Under 10 loans | 25.0% |
| Dane County, WI | 2 | Under 10 loans | 0.0% |
| Kenosha County, WI | 2 | Under 10 loans | 0.0% |
| Ozaukee County, WI | 2 | Under 10 loans | 0.0% |
| Door County, WI | 1 | Under 10 loans | 0.0% |
| Florence County, WI | 1 | Under 10 loans | 0.0% |
| Juneau County, WI | 1 | Under 10 loans | 0.0% |
| Lincoln County, WI | 1 | Under 10 loans | 0.0% |
| Portage County, WI | 1 | Under 10 loans | 0.0% |
| Vilas County, WI | 1 | Under 10 loans | 0.0% |
| Wyoming County, NY | 0 | Under 10 loans | 100.0% |
| Loudoun County, VA | 0 | Under 10 loans | 100.0% |
| Fairfax city, VA | 0 | Under 10 loans | 100.0% |
| La Crosse County, WI | 0 | Under 10 loans | Not published |
| Marquette County, WI | 0 | Under 10 loans | Not published |
| Price County, WI | 0 | Under 10 loans | 100.0% |
| Sauk County, WI | 0 | Under 10 loans | 100.0% |
| Waupaca County, WI | 0 | Under 10 loans | Not published |
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When Citizens Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.