CITIZENS BANK
CITIZENS BANK received 195 applications in 2025 and made 176 mortgages, in 16 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $145,000. Of 188 decisions, 7 were denials — 3.7%.
| Legal Entity Identifier | 254900RQ2FMUUUQUGI02 |
|---|---|
| Applications received | 195 |
| Mortgages made | 176 |
| Denied | 7 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 7 |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, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 78 | Not published | $245,000 | 1.3% |
| Refinancing | 58 | Not published | $105,000 | 3.1% |
| Other purposes | 40 | Not published | $65,000 | 9.1% |
Where CITIZENS BANK lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Smith County, TN | 83 | Not published | 0.0% |
| White County, TN | 37 | Not published | 13.6% |
| Putnam County, TN | 18 | Not published | 0.0% |
| Wilson County, TN | 8 | Under 10 loans | 0.0% |
| DeKalb County, TN | 7 | Under 10 loans | 12.5% |
| Jackson County, TN | 6 | Under 10 loans | 0.0% |
| Macon County, TN | 5 | Under 10 loans | 0.0% |
| Overton County, TN | 2 | Under 10 loans | 0.0% |
| Trousdale County, TN | 2 | Under 10 loans | 0.0% |
| Van Buren County, TN | 2 | Under 10 loans | 0.0% |
| Cumberland County, TN | 1 | Under 10 loans | 0.0% |
| Knox County, TN | 1 | Under 10 loans | 0.0% |
| Monroe County, TN | 1 | Under 10 loans | 0.0% |
| Robertson County, TN | 1 | Under 10 loans | 0.0% |
| Sumner County, TN | 1 | Under 10 loans | 0.0% |
| Warren County, TN | 1 | 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.