Citizens 1st Bank
Citizens 1st Bank received 100 applications in 2025 and made 68 mortgages, in 19 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $155,000. Of 81 decisions, 8 were denials — 9.9%.
| Legal Entity Identifier | 254900TSSJ6QLFK4C243 |
|---|---|
| Applications received | 100 |
| Mortgages made | 68 |
| Denied | 8 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 19 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Citizens 1st Bank, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 45 | Not published | $185,000 | 5.9% |
| Refinancing | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Other purposes | 12 | Not published | $85,000 | 18.8% |
Where Citizens 1st Bank lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Smith County, TX | 30 | Not published | 8.3% |
| Nacogdoches County, TX | 15 | Not published | 15.0% |
| Cherokee County, TX | 7 | Under 10 loans | 0.0% |
| Harris County, TX | 3 | Under 10 loans | 0.0% |
| Dallas County, TX | 2 | Under 10 loans | 33.3% |
| Tuscaloosa County, AL | 1 | Under 10 loans | 0.0% |
| Gunnison County, CO | 1 | Under 10 loans | 0.0% |
| Angelina County, TX | 1 | Under 10 loans | 0.0% |
| Bexar County, TX | 1 | Under 10 loans | 0.0% |
| Brazos County, TX | 1 | Under 10 loans | 0.0% |
| Comal County, TX | 1 | Under 10 loans | 0.0% |
| Gregg County, TX | 1 | Under 10 loans | 0.0% |
| Jefferson County, TX | 1 | Under 10 loans | 0.0% |
| Rusk County, TX | 1 | Under 10 loans | 0.0% |
| San Augustine County, TX | 1 | Under 10 loans | 0.0% |
| Wood County, TX | 1 | Under 10 loans | 0.0% |
| Brazoria County, TX | 0 | Under 10 loans | Not published |
| Montgomery County, TX | 0 | Under 10 loans | 100.0% |
| Walker County, TX | 0 | Under 10 loans | Not published |
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When Citizens 1st 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.