Citizens Bank and Trust Company
Citizens Bank and Trust Company received 185 applications in 2025 and made 135 mortgages, in 31 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $175,000. Of 178 decisions, 29 were denials — 16.3%.
| Legal Entity Identifier | 54930085YFG0F7C2GE23 |
|---|---|
| Applications received | 185 |
| Mortgages made | 135 |
| Denied | 29 |
| Approved, not taken up | 14 |
| Withdrawn or incomplete | 7 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Citizens Bank and Trust Company, 12 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 79 | Not published | $285,000 | 12.1% |
| Refinancing | 25 | Not published | $135,000 | 27.0% |
| Other purposes | 31 | Not published | $105,000 | 16.7% |
Where Citizens Bank and Trust Company lends most
The 31 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Nottoway County, VA | 20 | Not published | 24.1% |
| Amelia County, VA | 12 | Not published | 16.7% |
| Mecklenburg County, VA | 12 | Not published | 7.7% |
| Chesterfield County, VA | 11 | Not published | 15.4% |
| Prince George County, VA | 11 | Not published | 0.0% |
| Cumberland County, VA | 8 | Under 10 loans | 20.0% |
| Prince Edward County, VA | 8 | Under 10 loans | 42.9% |
| Brunswick County, VA | 7 | Under 10 loans | 9.1% |
| Lunenburg County, VA | 7 | Under 10 loans | 20.0% |
| Dinwiddie County, VA | 4 | Under 10 loans | 0.0% |
| Powhatan County, VA | 4 | Under 10 loans | 20.0% |
| Hanover County, VA | 3 | Under 10 loans | 0.0% |
| Henrico County, VA | 3 | Under 10 loans | 0.0% |
| Petersburg city, VA | 3 | Under 10 loans | 25.0% |
| Richmond city, VA | 3 | Under 10 loans | 20.0% |
| Buckingham County, VA | 2 | Under 10 loans | 40.0% |
| Charlotte County, VA | 2 | Under 10 loans | 0.0% |
| Goochland County, VA | 2 | Under 10 loans | 0.0% |
| Colonial Heights city, VA | 2 | Under 10 loans | 0.0% |
| Dare County, NC | 1 | Under 10 loans | 0.0% |
| Warren County, NC | 1 | Under 10 loans | 0.0% |
| Campbell County, VA | 1 | Under 10 loans | 0.0% |
| Fluvanna County, VA | 1 | Under 10 loans | 0.0% |
| Franklin County, VA | 1 | Under 10 loans | 0.0% |
| Halifax County, VA | 1 | Under 10 loans | 0.0% |
| Louisa County, VA | 1 | Under 10 loans | 0.0% |
| Madison County, VA | 1 | Under 10 loans | 0.0% |
| Hampton city, VA | 1 | Under 10 loans | 0.0% |
| Hopewell city, VA | 1 | Under 10 loans | 0.0% |
| Norfolk city, VA | 1 | Under 10 loans | 0.0% |
| Mathews County, VA | 0 | Under 10 loans | 0.0% |
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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.