Applications / Mortgage Analytics / Lenders / Missouri / Citizens Bank
New Haven, MO · State non-member bank · FDIC · $350 million assets · 105 loans in 2025
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105
loans originated, 2025
130
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Bank doubled its home lending in 2025, to 105 loans, and its loans are larger than those of most similar banks.
Its loan count rose 102%, from 52 to 105. Similar lenders, state non-member banks making between half and twice as many loans, typically grew 9%, and the whole market 10%; it grew faster than almost all of them. Even so, it made about a quarter as many loans as the 409 of 2020.
Its typical loan was $255,000, against $175,000 at similar lenders, larger than at about four in five. Jumbo loans (larger than the conforming limit) were 5.6% of its lending, against 1.6%. Purchases made up 68.6% of its loans; a purchase-led business and a few larger homes could each push the typical size up.
In St. Louis, where it has lent since at least 1990, its share rose from 0.1% to 0.2%, ranking it 102 of 637 lenders. It made its first loans in North Port-Bradenton-Sarasota in 2025.
Majority-minority neighborhoods took 13.3% of its loans, up from 1.9% a year earlier and higher than at about two-thirds of similar lenders, where 6.1% is typical. Its share in low- and moderate-income (LMI) neighborhoods rose from 5.8% to 21.9%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Bank took 130 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.6% · Refinance 21.9% · Home improvement 4.8% · Other 4.8%
Conventional 100.0% · of 105 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 |
|---|---|---|
| Missouri | 104 | 99.0% |
| Florida | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 92 |
| North Port-Bradenton-Sarasota | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MOKX1F2TX1WK17 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1001853 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 21001853 | 1990–2001 |
| Respondent ID (the HMDA filer code before 2018) | 314488 | 2002–2017 |
Established 1 January 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Citizens Bank's data.
Citizens Bank's data
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Citizens 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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