# Citizens Bank

> **Canonical URL:** https://saferate.com/lenders/citizens-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Citizens Bank is a bank, headquartered in Columbia, MS, serving borrowers across 3 states, with 139 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 31% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300V7I9AZRM78QT92
- **Headquarters:** Columbia, MS
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** LA, MS, TN
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)


### Lending Volume
- **Total Loans:** 139
- **Dollar Volume:** $17 million
- **Applications Received:** 158
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $120,108
- **Average Borrower Income:** $93,223
- **Average Property Value:** $221,331

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 126 | - | - | Sound ☺️ |
| USDA | 47/100 | 10 | - | - | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 35 loans, Score: 27/100 (Acceptable)
- Refinance: 91 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 36/100 | 48 | $8M | - | Acceptable 🙂 |
| Refinance | 66/100 | 91 | $9M | - | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MS | 136 | 0.54% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 110 | 62/100 |
| Hattiesburg, MS | MS | 24 | 66/100 |

## Where This Lender Ranks

Citizens Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#10** in Hattiesburg, MS Banks
  - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/banks)
- 🏆 **#13** in Hattiesburg, MS for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/hattiesburg-ms/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#18** in Mississippi for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/mississippi/best-mortgage-lenders/banks/usda-loans)

## Frequently Asked Questions

### What loan types does Citizens Bank offer?

Citizens Bank offers the following mortgage loan types: Conventional, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Citizens Bank offer mortgages?

Citizens Bank offers mortgages in 3 states: LA, MS, TN.

### What type of lender is Citizens Bank?

Citizens Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Columbia, MS.

### What is Citizens Bank's loan approval success rate?

Citizens Bank has a pull-through score of 69/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/citizens-bank

### How to Cite

> "Citizens Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/citizens-bank

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