Citizens Bank & Trust
Citizens Bank & Trust received 146 applications in 2025 and made 109 mortgages, in 26 counties across 6 states. The median rate its borrowers got was 7.000% on a median loan of $195,000. Of 122 decisions, 13 were denials — 10.7%, most often for credit history.
| Legal Entity Identifier | 5493005GHHD2LL3US857 |
|---|---|
| Applications received | 146 |
| Mortgages made | 109 |
| Denied | 13 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 24 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.4485 points |
| FDIC-insured bank | Yes: Citizens Bank and Trust, 17 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 61 | 7.000% | $315,000 | 9.0% |
| Refinancing | 40 | 7.200% | $155,000 | 2.4% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 85.7% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 0.0% |
Where Citizens Bank & Trust lends most
The 26 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Marshall County, AL | 35 | 7.000% | 5.4% |
| Cullman County, AL | 18 | 7.000% | 5.3% |
| Jackson County, AL | 11 | 7.500% | 8.3% |
| Madison County, AL | 10 | 7.750% | 28.6% |
| DeKalb County, AL | 6 | Under 10 loans | 0.0% |
| Calhoun County, AL | 3 | Under 10 loans | 0.0% |
| Morgan County, AL | 3 | Under 10 loans | 40.0% |
| Blount County, AL | 2 | Under 10 loans | 0.0% |
| Tuscaloosa County, AL | 2 | Under 10 loans | 0.0% |
| Winston County, AL | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 2 | Under 10 loans | 0.0% |
| Hamilton County, TN | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Jefferson County, AL | 1 | Under 10 loans | 50.0% |
| Lauderdale County, AL | 1 | Under 10 loans | 0.0% |
| Lawrence County, AL | 1 | Under 10 loans | 0.0% |
| Lee County, AL | 1 | Under 10 loans | 0.0% |
| Limestone County, AL | 1 | Under 10 loans | 66.7% |
| Marion County, AL | 1 | Under 10 loans | 0.0% |
| Walker County, AL | 1 | Under 10 loans | 0.0% |
| Montrose County, CO | 1 | Under 10 loans | 0.0% |
| Routt County, CO | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Fannin County, GA | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 0.0% |
| Lawrence County, TN | 0 | Under 10 loans | Not published |
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When Citizens Bank & 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.