Citizens Bank and Trust mortgage approval rate & lending review
Citizens Bank and Trust decided 564 mortgage applications and funded 483 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Citizens Bank and Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Citizens Bank and Trust at a glance
Approval is 6.4 points above the 82.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 279 / 302 | 96% | $185K | 267 |
| Home improvement loans | 77% | 43 / 56 | 100% | $55K | 43 |
| Refinance | 80% | 78 / 98 | 94% | $105K | 73 |
| Investment property purchase | 95% | 80 / 84 | 99% | $115K | 79 |
Citizens Bank and Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 89% | $185K | 563 | 482 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Citizens Bank and Trust lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Polk County, FL | Mortgage lenders | 92% | 254 | 224 |
| Polk County, FL | Refinance | 82% | 87 | 67 |
| Polk County, FL | Investment property purchase | 95% | 57 | 53 |
| Polk County, FL | Home improvement loans | 77% | 52 | 40 |
The county markets where Citizens Bank and Trust made the most loans. Each link opens that market with every lender ranked.
Questions about Citizens Bank and Trust
What is Citizens Bank and Trust's mortgage approval rate?
Citizens Bank and Trust approved 89.0% of the 564 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.4 points above the 82.6% national rate for the same mix of loan types.
How often do borrowers take the loan Citizens Bank and Trust offers?
Borrowers accepted 96% of the loans Citizens Bank and Trust approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Citizens Bank and Trust make?
The typical home purchase mortgage loan Citizens Bank and Trust made was $185K; across all loan types its typical loan ran from $55K to $185K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Citizens Bank and Trust lend?
Citizens Bank and Trust decided applications in 2 of the states Fat Boy Data covers, most of them in Florida and California.
Can I apply to Citizens Bank and Trust directly?
Yes. Citizens Bank and Trust is a bank or credit union with 28 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Citizens Bank and Trust's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Citizens Bank and Trust treats applications, then get a rate quote from the lender.