Citizens State Bank
Citizens State Bank received 97 applications in 2025 and made 97 mortgages, in 6 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $135,000. Of 97 decisions, 0 were denials — 0.0%.
| Legal Entity Identifier | 254900NHZBDILTNDA759 |
|---|---|
| Applications received | 97 |
| Mortgages made | 97 |
| Denied | 0 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 0 |
| 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 | 37 | Not published | $105,000 | 0.0% |
| Refinancing | 28 | Not published | $100,000 | 0.0% |
| Cash-out refinancing | 32 | Not published | $155,000 | 0.0% |
Where Citizens State Bank lends most
The 6 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lubbock County, TX | 85 | Not published | 0.0% |
| Scurry County, TX | 4 | Under 10 loans | 0.0% |
| Hockley County, TX | 3 | Under 10 loans | 0.0% |
| Howard County, TX | 3 | Under 10 loans | 0.0% |
| Palo Pinto County, TX | 1 | Under 10 loans | 0.0% |
| Terry County, TX | 1 | Under 10 loans | 0.0% |
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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.