Citizens Community Bank mortgage approval rate & lending review
Citizens Community Bank decided 254 mortgage applications and funded 214 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Citizens Community Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Citizens Community Bank at a glance
Approval is 6.2 points above the 81.6% 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 | 83% | 86 / 104 | 92% | $185K | 79 |
| Refinance | 97% | 36 / 37 | 97% | $155K | 35 |
| Investment property purchase | 100% | 46 / 46 | 98% | $85K | 45 |
| Investment refinance | 94% | 31 / 33 | 100% | $125K | 31 |
Citizens Community Bank lending by state
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 Community Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| St. Clair County, IL | Mortgage lenders | 82% | 87 | 65 |
| St. Clair County, IL | Investment property purchase | 100% | 36 | 35 |
| St. Clair County, IL | Refinance | 97% | 33 | 31 |
The county markets where Citizens Community Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Citizens Community Bank
What is Citizens Community Bank's mortgage approval rate?
Citizens Community Bank approved 87.8% of the 254 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.2 points above the 81.6% national rate for the same mix of loan types.
How often do borrowers take the loan Citizens Community Bank offers?
Borrowers accepted 96% of the loans Citizens Community Bank 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 Community Bank make?
The typical home purchase mortgage loan Citizens Community Bank made was $185K; across all loan types its typical loan ran from $85K to $185K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Citizens Community Bank lend?
Citizens Community Bank decided applications in 5 of the states Fat Boy Data covers, most of them in Illinois, Missouri and Alabama.
Can I apply to Citizens Community Bank directly?
Yes. Citizens Community Bank is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Citizens Community Bank'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 Community Bank treats applications, then get a rate quote from the lender.