Citizens Alliance Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
55th8.7% deniedProcesswithdrawn + incomplete share, weight 15%
85th3.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 191 | 157 | 6.8% | 7.2% | — | $46M |
| 2024 | 155 | 122 | 7.7% | 8.2% | — | $30M |
| 2025 | 191 | 154 | 8.4% | 8.7% | — | $50M |
What Citizens Alliance Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 6 manufactured homes, 38 investment properties.
Who gets approved at Citizens Alliance Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 45 | 39 | 4.6% |
| $100k – $150k | 35 | 26 | 20.0% |
| $150k – $250k | 40 | 36 | 5.3% |
| Over $250k | 24 | 21 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 36 | 26 | 17.7% |
| 35–44 | 41 | 30 | 14.6% |
| 45–54 | 35 | 31 | 3.0% |
| 55–64 | 31 | 26 | 3.3% |
Where Citizens Alliance Bank lends
7 states and 30 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Citizens Alliance Bank denied 8.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 55th percentile of small mortgage lenders.
In 2025, 63% of its applications were for home purchases, 18% for refinancing (including cash-out), and 18% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.