Citizens Business Bank
Citizens Business Bank received 122 applications in 2025 and made 76 mortgages, in 27 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $855,000. Of 86 decisions, 7 were denials — 8.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300L36QZWPHM6FP31 |
|---|---|
| Applications received | 122 |
| Mortgages made | 76 |
| Denied | 7 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 36 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Citizens Business Bank, National Association, 87 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 43 | Not published | $925,000 | 6.1% |
| Refinancing | 27 | Not published | $915,000 | 10.0% |
| Other purposes | 6 | Under 10 loans | Under 10 loans | 14.3% |
Where Citizens Business Bank lends most
The 27 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Los Angeles County, CA | 26 | Not published | 3.6% |
| Fresno County, CA | 9 | Under 10 loans | 0.0% |
| Orange County, CA | 7 | Under 10 loans | 0.0% |
| San Diego County, CA | 5 | Under 10 loans | 0.0% |
| Kern County, CA | 3 | Under 10 loans | 25.0% |
| San Bernardino County, CA | 3 | Under 10 loans | 0.0% |
| San Luis Obispo County, CA | 3 | Under 10 loans | 0.0% |
| Tulare County, CA | 3 | Under 10 loans | 0.0% |
| Butte County, CA | 2 | Under 10 loans | 0.0% |
| Riverside County, CA | 2 | Under 10 loans | 0.0% |
| San Joaquin County, CA | 2 | Under 10 loans | 0.0% |
| Ventura County, CA | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 50.0% |
| Mohave County, AZ | 1 | Under 10 loans | 0.0% |
| El Dorado County, CA | 1 | Under 10 loans | 0.0% |
| Mariposa County, CA | 1 | Under 10 loans | 0.0% |
| Merced County, CA | 1 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 1 | Under 10 loans | 0.0% |
| Stanislaus County, CA | 1 | Under 10 loans | 50.0% |
| Yolo County, CA | 1 | Under 10 loans | 0.0% |
| Montgomery County, TX | 1 | Under 10 loans | 0.0% |
| Del Norte County, CA | 0 | Under 10 loans | Not published |
| Sacramento County, CA | 0 | Under 10 loans | Not published |
| San Francisco County, CA | 0 | Under 10 loans | Not published |
| Santa Barbara County, CA | 0 | Under 10 loans | 0.0% |
| Honolulu County, HI | 0 | Under 10 loans | Not published |
| Hamilton County, TN | 0 | Under 10 loans | 100.0% |
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When Citizens Business 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.