Citizens Savings Bank
Citizens Savings Bank received 192 applications in 2025 and made 155 mortgages, in 10 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $85,000. Of 167 decisions, 10 were denials — 6.0%, most often for other.
| Legal Entity Identifier | 549300CDGL2OULMP7388 |
|---|---|
| Applications received | 192 |
| Mortgages made | 155 |
| Denied | 10 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 25 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Citizens Savings Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 46 | Not published | $245,000 | 4.2% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 36 | Not published | $90,000 | 5.3% |
| Other purposes | 67 | Not published | $45,000 | 8.0% |
Where Citizens Savings Bank lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lackawanna County, PA | 47 | Not published | 7.7% |
| Luzerne County, PA | 34 | Not published | 5.6% |
| Northampton County, PA | 17 | Not published | 0.0% |
| Monroe County, PA | 16 | Not published | 11.1% |
| Wayne County, PA | 12 | Not published | 7.7% |
| Pike County, PA | 8 | Under 10 loans | 0.0% |
| Carbon County, PA | 7 | Under 10 loans | 0.0% |
| Lehigh County, PA | 7 | Under 10 loans | 0.0% |
| Wyoming County, PA | 6 | Under 10 loans | 14.3% |
| Schuylkill County, PA | 1 | Under 10 loans | 0.0% |
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When Citizens Savings 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.