# CITIZENS SAVINGS BANK AND TRUST COMPANY

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


> **📋 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 SAVINGS BANK AND TRUST COMPANY is a bank, headquartered in NASHVILLE, TN, serving borrowers across 4 states, with 47 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 81% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 2138005KH543RLMQHE28
- **Headquarters:** NASHVILLE, TN
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AL, GA, OH, TN
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Mediocre 😐
- Score: 19/100
- Rating: ●○○○○ (1/5)


### Lending Volume
- **Total Loans:** 47
- **Dollar Volume:** $18 million
- **Applications Received:** 153
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $379,043
- **Average Borrower Income:** $155,660
- **Average Property Value:** $459,468

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 23/100 | 44 | - | - | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 35 loans, Score: 23/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 25/100 | 38 | $16M | - | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 43 | 0.05% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Nashville | TN | 34 | 64/100 |

## Frequently Asked Questions

### What loan types does CITIZENS SAVINGS BANK AND TRUST COMPANY offer?

CITIZENS SAVINGS BANK AND TRUST COMPANY offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CITIZENS SAVINGS BANK AND TRUST COMPANY offer mortgages?

CITIZENS SAVINGS BANK AND TRUST COMPANY offers mortgages in 4 states: AL, GA, OH, TN.

### What type of lender is CITIZENS SAVINGS BANK AND TRUST COMPANY?

CITIZENS SAVINGS BANK AND TRUST COMPANY is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in NASHVILLE, TN.

### What is CITIZENS SAVINGS BANK AND TRUST COMPANY's loan approval success rate?

CITIZENS SAVINGS BANK AND TRUST COMPANY has a pull-through score of 19/100 (Mediocre). 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-savings-bank-and-trust

### How to Cite

> "CITIZENS SAVINGS BANK AND TRUST COMPANY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/citizens-savings-bank-and-trust

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