Citizens Community Bank
Citizens Community Bank received 131 applications in 2025 and made 104 mortgages, in 13 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $165,000. Of 119 decisions, 10 were denials — 8.4%.
| Legal Entity Identifier | 254900L9ZR7FYE68H705 |
|---|---|
| Applications received | 131 |
| Mortgages made | 104 |
| Denied | 10 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 12 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Citizens Community Bank, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 62 | Not published | $175,000 | 11.8% |
| Refinancing | 30 | Not published | $145,000 | 3.2% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 5 | Under 10 loans | Under 10 loans | 0.0% |
Where Citizens Community Bank lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| St. Clair County, IL | 71 | Not published | 8.4% |
| Madison County, IL | 9 | Under 10 loans | 0.0% |
| St. Louis County, MO | 7 | Under 10 loans | 12.5% |
| Randolph County, IL | 4 | Under 10 loans | 20.0% |
| Monroe County, IL | 3 | Under 10 loans | 25.0% |
| Washington County, IL | 2 | Under 10 loans | 0.0% |
| St. Louis city, MO | 2 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Jackson County, IL | 1 | Under 10 loans | 0.0% |
| Marion County, IL | 1 | Under 10 loans | 0.0% |
| Camden County, MO | 1 | Under 10 loans | 0.0% |
| Jefferson County, MO | 1 | Under 10 loans | 0.0% |
| Washington County, MO | 1 | Under 10 loans | 0.0% |
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When Citizens Community 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.