Citizens Bank
Citizens Bank received 100 applications in 2025 and made 80 mortgages, in 12 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $105,000. Of 91 decisions, 11 were denials — 12.1%.
| Legal Entity Identifier | 54930023OB56DYOL3G92 |
|---|---|
| Applications received | 100 |
| Mortgages made | 80 |
| Denied | 11 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 9 |
| Loans bought from other lenders | 0 |
| 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 | 41 | Not published | $125,000 | 12.8% |
| Refinancing | 28 | Not published | $110,000 | 12.5% |
| Other purposes | 11 | Not published | $45,000 | 8.3% |
Where Citizens Bank lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bates County, MO | 32 | Not published | 5.9% |
| Bourbon County, KS | 23 | Not published | 17.9% |
| Cass County, MO | 8 | Under 10 loans | 11.1% |
| Vernon County, MO | 7 | Under 10 loans | 22.2% |
| Linn County, KS | 2 | Under 10 loans | 33.3% |
| Barton County, MO | 2 | Under 10 loans | 0.0% |
| Johnson County, KS | 1 | Under 10 loans | 0.0% |
| Clay County, MO | 1 | Under 10 loans | 0.0% |
| Henry County, MO | 1 | Under 10 loans | 0.0% |
| Jackson County, MO | 1 | Under 10 loans | 0.0% |
| Jasper County, MO | 1 | Under 10 loans | 0.0% |
| St. Clair County, MO | 1 | Under 10 loans | 0.0% |
Get told when this changes
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.