Lenders › Citizens Savings Bank › Pennsylvania
Citizens Savings Bank in Pennsylvania
HMDA record for properties in Pennsylvania, calendar year 2024. National record · Pennsylvania overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Pennsylvania, Citizens Savings Bank reported 163 applications and 121 originations for 2024, $21m in all.
Its denial rate in the state was 10.8%, below the Pennsylvania rate of 24.2% across all lenders and compared with the lender's national rate of 10.8%.
Applications in the state were down 29% on 2023.
Compared with the state and the lender's national record
| Measure | In Pennsylvania | Pennsylvania, all lenders | Citizens Savings Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 10.8% | 24.2% | 10.8% | 24.3% |
| Median rate spread, pp | — | 0.3 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 14.1% | — | 15.6% |
| Average originated loan | $171k | $226k | $171k | $329k |
| Home purchase share | 47.1% | 48.7% | 47.1% | 57.0% |
| FHA-insured share | 0.0% | 9.8% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.0% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in statePennsylvania, all lenders
Loan purpose and loan type in Pennsylvania
By purpose
Home purchase 47% (57)Home improvement 2% (3)Cash-out refinancing 9% (11)Other purpose 41% (50)
By type
Conventional 100% (121)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Pennsylvania
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Lackawanna County | 48 | 33 | $4.8m | 8.1% |
| Luzerne County | 34 | 25 | $4.3m | 10.3% |
| Monroe County | 32 | 22 | $4.3m | 21.4% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Citizens Savings Bank originate in Pennsylvania in 2024?
121 loans totalling $21m, from 163 applications reported for properties in Pennsylvania.
What is Citizens Savings Bank's denial rate in Pennsylvania?
10.8% of decided applications in Pennsylvania were denied, against 24.2% for all lenders in the state and 10.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Pennsylvania counties does Citizens Savings Bank lend in most?
By originations: Lackawanna County (33), Luzerne County (25), Monroe County (22).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Pennsylvania. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.