What loan types does Citizens Bank offer?

Citizens Bank offers the following mortgage loan types: Conventional, usda. Each product has its own pricing score and performance metrics.

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 Bank headquartered in Columbia, MS.

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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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Strong pull through performance

Explore another lender or local market

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

4/5

By Loan Product· Specialization by type

Conventional

126 loans

Sound

Top 60% of lenders

3/5

USDA

10 loans

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

48 loans

Acceptable

Bottom 40% of lenders

2/5

Refinance

91 loans

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	—	Exceptional	126	90.6%	—	—
USDA Loans	Sound	Sound	—	—	10	7.2%	—	—

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	—	Sound	48	34.5%	—	—
Refinance	Strong	Strong	—	Exceptional	91	65.5%	—	—

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

< 100100+None

South3

LAMSTN

Top Metro Areas by Place Specialization Score

Hattiesburg, MSMetro

Volume 24Mix 17.27% of portfolio

66/100

Strong

Top States by Place Specialization Score

MississippiState

Volume 136Mix 97.84% of portfolio

76/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.