Citibank in Minnesota vs the state
21.8%Denial rate+8.24 pts vs state
38.8%Decision denial rate+22.43 pts vs state
32.2%Origination rate-34.19 pts vs state
6.31%Median rate-0.31 pts vs state
-0.13Rate spread (pts)-0.39 pts vs state
$172kMedian applicant income
28Loans originated
19Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 61 | 28 | 1.6% | 5.63% | #243 |
| 2024 | 59 | 28 | 13.6% | 6.88% | #243 |
| 2025 | 87 | 28 | 21.8% | 6.31% | #223 |
What Citibank lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 30 | 13 | 3 | 10.0% |
| Ramsey County | 12 | 3 | 3 | 25.0% |
| Carver County | 6 | 3 | 1 | 16.7% |
| Scott County | 6 | 1 | 0 | 0.0% |
| Dakota County | 5 | 2 | 2 | 40.0% |
| Anoka County | 3 | 0 | 1 | 33.3% |
| Washington County | 3 | 1 | 2 | 66.7% |
| Olmsted County | 3 | 1 | 0 | 0.0% |
| Crow Wing County | 2 | 2 | 0 | 0.0% |
| Chisago County | 2 | 0 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 87 applications in 2025, of which 28 were originated and 19 denied.
21.8% of all applications, or 38.8% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Citibank originated in Minnesota in 2025 was 6.31%, against a statewide median of 6.63%.
About this data. Figures are Citibank's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology