Citizens' Bank & Trust Co.
Citizens' Bank & Trust Co. received 125 applications in 2025 and made 103 mortgages, in 8 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $115,000. Of 115 decisions, 12 were denials — 10.4%.
| Legal Entity Identifier | 549300EY247F6R5IHX75 |
|---|---|
| Applications received | 125 |
| Mortgages made | 103 |
| Denied | 12 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 10 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Citizens' Bank & Trust Co., 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 46 | Not published | $155,000 | 9.8% |
| Refinancing | 48 | Not published | $90,000 | 11.1% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Other purposes | 9 | Under 10 loans | Under 10 loans | 0.0% |
Where Citizens' Bank & Trust Co. lends most
The 8 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Crawford County, AR | 77 | Not published | 8.3% |
| Sebastian County, AR | 16 | Not published | 20.0% |
| Washington County, AR | 4 | Under 10 loans | 0.0% |
| Sequoyah County, OK | 2 | Under 10 loans | 33.3% |
| Benton County, AR | 1 | Under 10 loans | 0.0% |
| Franklin County, AR | 1 | Under 10 loans | 0.0% |
| Cherokee County, OK | 1 | Under 10 loans | 0.0% |
| Le Flore County, OK | 1 | Under 10 loans | 0.0% |
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When Citizens' Bank & Trust Co.’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.