Citizens First Bank
Citizens First Bank received 2,933 applications in 2025 and made 2,267 mortgages, in 8 counties across 1 state. The median rate its borrowers got was 6.875% on a median loan of $255,000. Of 2,446 decisions, 159 were denials — 6.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300IQVXIW1VTW0D69 |
|---|---|
| Applications received | 2,933 |
| Mortgages made | 2,267 |
| Denied | 159 |
| Approved, not taken up | 20 |
| Withdrawn or incomplete | 487 |
| Loans bought from other lenders | 4 |
| Median rate spread over the prime offer rate | 0.28 points |
| FDIC-insured bank | Yes: Citizens First Bank, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1,887 | 6.825% | $275,000 | 1.7% |
| Refinancing | 70 | 6.750% | $220,000 | 6.6% |
| Cash-out refinancing | 41 | 6.825% | $235,000 | 12.5% |
| Other purposes | 269 | 7.500% | $95,000 | 29.2% |
Where Citizens First Bank 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 |
|---|---|---|---|
| Sumter County, FL | 1,983 | 6.875% | 5.1% |
| Lake County, FL | 190 | 6.950% | 11.8% |
| Marion County, FL | 84 | 7.000% | 20.0% |
| Citrus County, FL | 8 | Under 10 loans | 38.5% |
| Martin County, FL | 1 | Under 10 loans | 0.0% |
| Polk County, FL | 1 | Under 10 loans | 0.0% |
| Orange County, FL | 0 | Under 10 loans | Not published |
| Volusia County, FL | 0 | Under 10 loans | Not published |
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When Citizens First 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.