Citizens Bank and Trust
Citizens Bank and Trust received 233 applications in 2025 and made 166 mortgages, in 22 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $175,000. Of 210 decisions, 31 were denials — 14.8%.
| Legal Entity Identifier | 549300IRRKG7NTX2YD83 |
|---|---|
| Applications received | 233 |
| Mortgages made | 166 |
| Denied | 31 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 23 |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 and Trust, 17 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 100 | Not published | $245,000 | 7.0% |
| Refinancing | 37 | Not published | $175,000 | 13.3% |
| Other purposes | 29 | Not published | $65,000 | 33.3% |
Where Citizens Bank and Trust lends most
The 22 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Polk County, FL | 137 | Not published | 12.9% |
| Hillsborough County, FL | 7 | Under 10 loans | 20.0% |
| Lake County, FL | 3 | Under 10 loans | 0.0% |
| Pasco County, FL | 3 | Under 10 loans | 25.0% |
| Charlotte County, FL | 2 | Under 10 loans | 0.0% |
| Manatee County, FL | 2 | Under 10 loans | 0.0% |
| Seminole County, FL | 2 | Under 10 loans | 33.3% |
| Monterey County, CA | 1 | Under 10 loans | 0.0% |
| Alachua County, FL | 1 | Under 10 loans | 0.0% |
| Duval County, FL | 1 | Under 10 loans | 0.0% |
| Hardee County, FL | 1 | Under 10 loans | 50.0% |
| Hernando County, FL | 1 | Under 10 loans | 0.0% |
| Indian River County, FL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Miller County, GA | 1 | Under 10 loans | 0.0% |
| Riley County, KS | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 0 | Under 10 loans | 100.0% |
| Brevard County, FL | 0 | Under 10 loans | Not published |
| Highlands County, FL | 0 | Under 10 loans | 100.0% |
| Miami-Dade County, FL | 0 | Under 10 loans | 100.0% |
| Pinellas County, FL | 0 | Under 10 loans | Not published |
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When Citizens Bank and Trust’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.