Applications / Mortgage Analytics / Lenders / Pennsylvania / Citizens Savings Bank
Clarks Summit, PA · Savings institution · OCC · $355 million assets · 155 loans in 2025
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155
loans originated, 2025
192
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Savings Bank makes small loans, mostly for purposes other than buying or refinancing a home, and it made 28% more of them in 2025.
Other-purpose loans took 40.6% of its lending, ahead of home purchases at 29.7% and refinancing at 27.1%. Its typical loan was $85,000, against $245,000 at similar lenders (savings institutions making between half and twice as many loans), among the lowest tenth. That fits a book led by other-purpose loans. Every loan was conventional.
Its loans rose to 155 from 121, faster than at about four in five similar lenders. Yet the dollars it lent barely moved, at $20.5 million against $20.7 million. The count remains well below the 443 it made in 2020.
In Scranton-Wilkes-Barre, where it has lent since at least 1990, it ranks 55 of 395 lenders with 0.4% of lending, down from 0.5%. Rocket Mortgage leads. Because shares are measured in dollars, smaller loans can trim its share even as its count rises.
Low- and moderate-income (LMI) borrowers took 25.2% of its loans, up from 19.0% and close to the 24.8% at similar lenders. Poorer neighborhoods (LMI tracts) took 15.7%, against 16.9%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Citizens Savings Bank took 192 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 40.6% · Purchase 29.7% · Refinance 27.1% · Home improvement 2.6%
Conventional 100.0% · of 155 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 155 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Scranton--Wilkes-Barre | 87 |
| Allentown-Bethlehem-Easton | 31 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CDGL2OULMP7388 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 828473 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 46503 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1706503 | 2011–2017 |
Established 1 January 1902. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Citizens Savings Bank's data.
Citizens Savings Bank's data
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Citizens Savings Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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