Citizens First Bank mortgage approval rate & lending review
Citizens First Bank decided 6,640 mortgage applications and funded 6,399 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Citizens First Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Citizens First Bank at a glance
Approval is 11.9 points above the 85.0% 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 | 98% | 4,435 / 4,518 | 100% | $285K | 4,418 |
| Home improvement loans | 84% | 346 / 412 | 97% | $85K | 336 |
| Cash-out refinance | 88% | 159 / 180 | 99% | $235K | 157 |
| Refinance | 93% | 172 / 184 | 98% | $105K | 169 |
| Investment property purchase | 99% | 1,277 / 1,290 | 100% | $255K | 1,276 |
| Investment home improvement | 82% | 23 / 28 | 91% | $105K | 21 |
Citizens First Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 97% | $285K | 6,640 | 6,399 |
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 First Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sumter County, FL | Mortgage lenders | 98% | 3,230 | 3,161 |
| Lake County, FL | Mortgage lenders | 98% | 1,137 | 1,112 |
| Sumter County, FL | Investment property purchase | 99% | 931 | 920 |
| Lake County, FL | Investment property purchase | 100% | 317 | 316 |
| Sumter County, FL | Home improvement loans | 88% | 302 | 260 |
| Marion County, FL | Mortgage lenders | 98% | 140 | 137 |
| Sumter County, FL | Refinance | 94% | 132 | 121 |
| Sumter County, FL | Cash-out refinance | 90% | 126 | 113 |
| Lake County, FL | Home improvement loans | 72% | 57 | 39 |
| Marion County, FL | Home improvement loans | 71% | 51 | 35 |
| Lake County, FL | Refinance | 97% | 34 | 33 |
| Marion County, FL | Investment property purchase | 94% | 33 | 31 |
The county markets where Citizens First Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Citizens First Bank
What is Citizens First Bank's mortgage approval rate?
Citizens First Bank approved 96.9% of the 6,640 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.9 points above the 85.0% national rate for the same mix of loan types.
How often do borrowers take the loan Citizens First Bank offers?
Borrowers accepted 99% of the loans Citizens First 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 First Bank make?
The typical home purchase mortgage loan Citizens First Bank made was $285K; across all loan types its typical loan ran from $85K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Citizens First Bank lend?
Citizens First Bank decided applications in 1 of the states Fat Boy Data covers, most of them in Florida.
Can I apply to Citizens First Bank directly?
Yes. Citizens First Bank 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 First 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 First Bank treats applications, then get a rate quote from the lender.