Citizens Bank of Las Cruces mortgage approval rate & lending review
Citizens Bank of Las Cruces decided 991 mortgage applications and funded 950 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Citizens Bank of Las Cruces reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Citizens Bank of Las Cruces at a glance
Approval is 9.8 points above the 86.3% 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 | 96% | 771 / 799 | 100% | $265K | 770 |
| Investment property purchase | 98% | 114 / 116 | 99% | $215K | 113 |
Citizens Bank of Las Cruces lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Mexico | 96% | $265K | 954 | 914 |
| Texas | 97% | $295K | 32 | 31 |
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 of Las Cruces lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Doña Ana County, NM | Mortgage lenders | 96% | 771 | 742 |
| Doña Ana County, NM | Investment property purchase | 98% | 107 | 104 |
| Doña Ana County, NM | Cash-out refinance | 81% | 21 | 17 |
The county markets where Citizens Bank of Las Cruces made the most loans. Each link opens that market with every lender ranked.
Questions about Citizens Bank of Las Cruces
What is Citizens Bank of Las Cruces's mortgage approval rate?
Citizens Bank of Las Cruces approved 96.2% of the 991 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.8 points above the 86.3% national rate for the same mix of loan types.
How often do borrowers take the loan Citizens Bank of Las Cruces offers?
Borrowers accepted 100% of the loans Citizens Bank of Las Cruces 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 of Las Cruces make?
The typical home purchase mortgage loan Citizens Bank of Las Cruces made was $265K; across all loan types its typical loan ran from $215K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Citizens Bank of Las Cruces lend?
Citizens Bank of Las Cruces decided applications in 3 of the states Fat Boy Data covers, most of them in New Mexico, Texas and Arizona.
Can I apply to Citizens Bank of Las Cruces directly?
Yes. Citizens Bank of Las Cruces is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Citizens Bank of Las Cruces'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 of Las Cruces treats applications, then get a rate quote from the lender.