Citizens Bank
Citizens Bank received 187 applications in 2025 and made 145 mortgages, in 21 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $245,000. Of 164 decisions, 19 were denials — 11.6%, most often for credit history.
| Legal Entity Identifier | 549300CABYW2DE2UTD57 |
|---|---|
| Applications received | 187 |
| Mortgages made | 145 |
| Denied | 19 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 23 |
| 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 | 88 | Not published | $405,000 | 4.4% |
| Refinancing | 11 | Not published | $145,000 | 0.0% |
| Cash-out refinancing | 27 | Not published | $125,000 | 15.6% |
| Other purposes | 19 | Not published | $55,000 | 34.5% |
Where Citizens Bank lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Morgan County, IN | 38 | Not published | 19.2% |
| Hendricks County, IN | 31 | Not published | 8.8% |
| Marion County, IN | 21 | Not published | 16.0% |
| Johnson County, IN | 19 | Not published | 5.0% |
| Hancock County, IN | 9 | Under 10 loans | 0.0% |
| Boone County, IN | 5 | Under 10 loans | 0.0% |
| Brown County, IN | 4 | Under 10 loans | 20.0% |
| Hamilton County, IN | 3 | Under 10 loans | 0.0% |
| Clay County, IN | 2 | Under 10 loans | 0.0% |
| Henry County, IN | 2 | Under 10 loans | 0.0% |
| Shelby County, IN | 2 | Under 10 loans | 33.3% |
| Franklin County, IN | 1 | Under 10 loans | 0.0% |
| Jefferson County, IN | 1 | Under 10 loans | 0.0% |
| Kosciusko County, IN | 1 | Under 10 loans | 0.0% |
| Lake County, IN | 1 | Under 10 loans | 0.0% |
| Madison County, IN | 1 | Under 10 loans | 0.0% |
| Monroe County, IN | 1 | Under 10 loans | 0.0% |
| Putnam County, IN | 1 | Under 10 loans | 0.0% |
| Rush County, IN | 1 | Under 10 loans | 0.0% |
| Wayne County, IN | 1 | Under 10 loans | 0.0% |
| Bartholomew County, IN | 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.