The Citizens Bank
The Citizens Bank received 184 applications in 2025 and made 148 mortgages, in 28 counties across 2 states. The median rate its borrowers got was 8.000% on a median loan of $115,000. Of 173 decisions, 23 were denials — 13.3%, most often for credit history.
| Legal Entity Identifier | 5493004EVKOLRF3JI477 |
|---|---|
| Applications received | 184 |
| Mortgages made | 148 |
| Denied | 23 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 11 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 2.237 points |
| FDIC-insured bank | Yes: Citizens Bank, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 96 | 8.000% | $140,000 | 11.0% |
| Refinancing | 32 | 8.000% | $110,000 | 15.8% |
| Other purposes | 20 | 8.250% | $35,000 | 19.2% |
Where The Citizens Bank lends most
The 28 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Independence County, AR | 51 | 8.000% | 17.2% |
| Pulaski County, AR | 30 | 8.000% | 3.2% |
| Garland County, AR | 14 | 7.750% | 6.7% |
| Benton County, AR | 7 | Under 10 loans | 22.2% |
| Stone County, AR | 5 | Under 10 loans | 0.0% |
| Washington County, AR | 5 | Under 10 loans | 0.0% |
| Clark County, AR | 4 | Under 10 loans | 0.0% |
| Cleburne County, AR | 3 | Under 10 loans | 62.5% |
| Hot Spring County, AR | 3 | Under 10 loans | 0.0% |
| Sharp County, AR | 3 | Under 10 loans | 0.0% |
| Drew County, AR | 2 | Under 10 loans | 33.3% |
| Izard County, AR | 2 | Under 10 loans | 0.0% |
| Lawrence County, AR | 2 | Under 10 loans | 0.0% |
| Van Buren County, AR | 2 | Under 10 loans | 0.0% |
| White County, AR | 2 | Under 10 loans | 33.3% |
| Bradley County, AR | 1 | Under 10 loans | 0.0% |
| Crawford County, AR | 1 | Under 10 loans | 0.0% |
| Faulkner County, AR | 1 | Under 10 loans | 50.0% |
| Jefferson County, AR | 1 | Under 10 loans | 0.0% |
| Little River County, AR | 1 | Under 10 loans | 0.0% |
| Lonoke County, AR | 1 | Under 10 loans | 0.0% |
| Montgomery County, AR | 1 | Under 10 loans | 0.0% |
| Nevada County, AR | 1 | Under 10 loans | 0.0% |
| Perry County, AR | 1 | Under 10 loans | 0.0% |
| Randolph County, AR | 1 | Under 10 loans | 0.0% |
| Saline County, AR | 1 | Under 10 loans | 0.0% |
| Sebastian County, AR | 1 | Under 10 loans | 0.0% |
| Santa Rosa County, FL | 1 | Under 10 loans | 0.0% |
Get told when this changes
When The Citizens 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.