The Citizens Bank mortgage approval rate & lending review
The Citizens Bank decided 307 mortgage applications and funded 285 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Citizens Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Citizens Bank at a glance
Approval is 11.8 points above the 81.7% 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% | 118 / 123 | 98% | $265K | 116 |
| Cash-out refinance | 73% | 22 / 30 | 100% | $165K | 22 |
| Refinance | 100% | 31 / 31 | 100% | $75K | 31 |
| Investment property purchase | 99% | 82 / 83 | 100% | $105K | 82 |
The Citizens Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| South Carolina | 94% | $135K | 300 | 279 |
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 The Citizens Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Florence County, SC | Mortgage lenders | 98% | 64 | 63 |
| Florence County, SC | Investment property purchase | 100% | 43 | 43 |
The county markets where The Citizens Bank made the most loans. Each link opens that market with every lender ranked.
Questions about The Citizens Bank
What is The Citizens Bank's mortgage approval rate?
The Citizens Bank approved 93.5% of the 307 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.8 points above the 81.7% national rate for the same mix of loan types.
How often do borrowers take the loan The Citizens Bank offers?
Borrowers accepted 99% of the loans The Citizens 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 The Citizens Bank make?
The typical home purchase mortgage loan The Citizens Bank made was $265K; across all loan types its typical loan ran from $75K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Citizens Bank lend?
The Citizens Bank decided applications in 2 of the states Fat Boy Data covers, most of them in South Carolina and North Carolina.
Can I apply to The Citizens Bank directly?
Yes. The Citizens Bank is a bank or credit union with 1,139 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The Citizens 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 The Citizens Bank treats applications, then get a rate quote from the lender.