Looking for a different lender?
C
Citizens Bank
Bank|Columbia, MS|Regional
Loans Originated
139
Applications
158
Volume
$16 million
Offers loans directly to consumers
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Pullthrough Rate
88.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Report Card
Citizens Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Acceptable | Near industry average | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Regional · 2 metro areas · 3 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$120,108
Average Borrower Income
$93,223
Average Property Value
$221,331
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Sound | N/A | Exceptional | 126 | 90.6% | — | — |
USDA Loans | Sound | Sound | N/A | N/A | 10 | 7.2% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Acceptable | N/A | Sound | 48 | 34.5% | — | — |
Refinance | Strong | Strong | N/A | Exceptional | 91 | 65.5% | — | — |
Geographic Coverage
Metro Areas
1
States Served
3
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
LAMSTN
Top Metro Areas by Place Specialization Score
1
Hattiesburg, MS, MSMSA
Volume: 24Mix: 17.27%
Place Specialization
Strong
Top States by Place Specialization Score
1
MSState
Volume: 136Mix: 97.84%
Place Specialization
Strong
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
Ready to Get Started?
Compare Citizens Bank with other lenders or get personalized recommendations.