Citizens State Bank
Citizens State Bank received 222 applications in 2025 and made 157 mortgages, in 21 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $165,000. Of 179 decisions, 12 were denials — 6.7%.
| Legal Entity Identifier | 549300DLHIZLJ7617Q04 |
|---|---|
| Applications received | 222 |
| Mortgages made | 157 |
| Denied | 12 |
| Approved, not taken up | 10 |
| Withdrawn or incomplete | 43 |
| 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 | 97 | Not published | $205,000 | 2.8% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 12.5% |
| Cash-out refinancing | 29 | Not published | $175,000 | 6.5% |
| Other purposes | 26 | Not published | $75,000 | 18.8% |
Where Citizens State Bank lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Washington County, TX | 62 | Not published | 3.0% |
| Burleson County, TX | 46 | Not published | 11.3% |
| Grimes County, TX | 14 | Not published | 5.6% |
| Brazos County, TX | 11 | Not published | 0.0% |
| Waller County, TX | 6 | Under 10 loans | 0.0% |
| Austin County, TX | 3 | Under 10 loans | 25.0% |
| Fayette County, TX | 3 | Under 10 loans | 0.0% |
| Harris County, TX | 3 | Under 10 loans | 0.0% |
| Robertson County, TX | 2 | Under 10 loans | 0.0% |
| Bell County, TX | 1 | Under 10 loans | 0.0% |
| Colorado County, TX | 1 | Under 10 loans | 0.0% |
| Cooke County, TX | 1 | Under 10 loans | 0.0% |
| Falls County, TX | 1 | Under 10 loans | 0.0% |
| Hunt County, TX | 1 | Under 10 loans | 0.0% |
| Leon County, TX | 1 | Under 10 loans | 0.0% |
| Walker County, TX | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 0 | Under 10 loans | Not published |
| Lee County, TX | 0 | Under 10 loans | 100.0% |
| Milam County, TX | 0 | Under 10 loans | 0.0% |
| Montgomery County, TX | 0 | Under 10 loans | Not published |
| Williamson 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.