# The Citizens Bank

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


The Citizens Bank is a bank, headquartered in Batesville, AR, with 25 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 70% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493004EVKOLRF3JI477
- **Headquarters:** Batesville, AR
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** AR
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 25
- **Dollar Volume:** $5 million
- **Applications Received:** 44
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $210,200
- **Average Borrower Income:** $111,520
- **Average Property Value:** $307,000

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 17/100 | 23 | - | - | Mediocre 😐 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 15/100 | 12 | $4M | - | Mediocre 😐 |
| Refinance | 26/100 | 13 | $1M | - | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AR | 25 | 0.08% | 59/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 22 | 45/100 |

## Frequently Asked Questions

### What loan types does The Citizens Bank offer?

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

### Where does The Citizens Bank offer mortgages?

The Citizens Bank offers mortgages in 1 states: AR.

### What type of lender is The Citizens Bank?

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

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

The Citizens Bank has a pull-through score of 30/100 (Acceptable). 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/the-citizens-bank

### How to Cite

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

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