Citizens State Bank
Citizens State Bank received 35 applications in 2025 and made 29 mortgages, in 15 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $365,000. Of 32 decisions, 3 were denials — 9.4%.
| Legal Entity Identifier | 549300C1W6Z8G84PDE17 |
|---|---|
| Applications received | 35 |
| Mortgages made | 29 |
| Denied | 3 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Citizens State Bank, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 25 | Not published | $435,000 | 7.4% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where Citizens State 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 |
|---|---|---|---|
| Montgomery County, TX | 7 | Under 10 loans | 0.0% |
| Tyler County, TX | 6 | Under 10 loans | 14.3% |
| Harris County, TX | 3 | Under 10 loans | 25.0% |
| Brazos County, TX | 2 | Under 10 loans | 0.0% |
| Travis County, TX | 2 | Under 10 loans | 0.0% |
| La Plata County, CO | 1 | Under 10 loans | 0.0% |
| Erath County, TX | 1 | Under 10 loans | 0.0% |
| Falls County, TX | 1 | Under 10 loans | 50.0% |
| Fort Bend County, TX | 1 | Under 10 loans | 0.0% |
| Hardin County, TX | 1 | Under 10 loans | 0.0% |
| Hays County, TX | 1 | Under 10 loans | 0.0% |
| Jasper County, TX | 1 | Under 10 loans | 0.0% |
| Real County, TX | 1 | Under 10 loans | 0.0% |
| Williamson County, TX | 1 | Under 10 loans | 0.0% |
| Polk County, TX | 0 | Under 10 loans | Not published |
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When Citizens State 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.