Citizens Bank
Citizens Bank received 130 applications in 2025 and made 105 mortgages, in 15 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $255,000. Of 121 decisions, 13 were denials — 10.7%.
| Legal Entity Identifier | 549300MOKX1F2TX1WK17 |
|---|---|
| Applications received | 130 |
| Mortgages made | 105 |
| Denied | 13 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 9 |
| 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 | 72 | Not published | $315,000 | 9.8% |
| Refinancing | 17 | Not published | $145,000 | 0.0% |
| Cash-out refinancing | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Other purposes | 10 | Not published | $90,000 | 8.3% |
Where Citizens Bank lends most
The 15 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Franklin County, MO | 54 | Not published | 12.5% |
| St. Louis County, MO | 22 | Not published | 0.0% |
| Gasconade County, MO | 7 | Under 10 loans | 12.5% |
| St. Louis city, MO | 7 | Under 10 loans | 0.0% |
| St. Charles County, MO | 4 | Under 10 loans | 28.6% |
| Jefferson County, MO | 2 | Under 10 loans | 0.0% |
| Warren County, MO | 2 | Under 10 loans | 0.0% |
| Manatee County, FL | 1 | Under 10 loans | 0.0% |
| Lincoln County, MO | 1 | Under 10 loans | 0.0% |
| Maries County, MO | 1 | Under 10 loans | 0.0% |
| Montgomery County, MO | 1 | Under 10 loans | 50.0% |
| Reynolds County, MO | 1 | Under 10 loans | 0.0% |
| Stone County, MO | 1 | Under 10 loans | 0.0% |
| Texas County, MO | 1 | Under 10 loans | 0.0% |
| Osage County, MO | 0 | Under 10 loans | 100.0% |
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When Citizens Bank’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.