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Citizens Bank

Bank•Columbia, MSHQ•Direct•Reviews near you on Google

Citizens Bank has 139 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Strong
4/5
closing strength
Product
Sound
3/5
Conventional · USDA
Place
Strong
4/5
Regional · 1 mkts

Safe Rate Summary

What They Do Well

  • Strong pull through performance

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Report Card

Citizens Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
USDA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 2 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing—
Pull Through
Exceptional
Volume126
Mix90.6%
Spread—
Fees—
USDA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume10
Mix7.2%
Spread—
Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Acceptable
Pricing—
Pull Through
Sound
Volume48
Mix34.5%
Spread—
Fees—
Refinance
Overall
Strong
Product
Strong
Pricing—
Pull Through
Exceptional
Volume91
Mix65.5%
Spread—
Fees—

At a Glance

Lender Overview

Lending Activity
Loans Originated
139
Applications
158
Volume
$16 million
Pricing & Closing
Pullthrough Rate
88.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$120,108
Avg Borrower Income
$93,223
Avg Property Value
$221,331

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

3
3 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South3
LAMSTN

Top Metro Areas by Place Specialization Score

1© Patricia H. · CC BY 2.0
Hattiesburg, MSMetro
Volume 24Mix 17.27% of portfolio
66/100
Strong

Top States by Place Specialization Score

Mississippi
Mississippi
1
MississippiState
Volume 136Mix 97.84% of portfolio
76/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.