Citizens Bank Minnesota at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A 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%
72nd5.1% deniedProcesswithdrawn + incomplete share, weight 15%
79th4.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 207 | 164 | 3.4% | 3.5% | 6.75% | $34M |
| 2024 | 155 | 114 | 4.5% | 4.8% | — | $20M |
| 2025 | 165 | 120 | 4.9% | 5.1% | — | $26M |
What Citizens Bank Minnesota 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, 2 manufactured homes, 26 investment properties.
Who gets approved at Citizens Bank Minnesota
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 60 | 43 | 8.3% |
| $100k – $150k | 32 | 27 | 0.0% |
| $150k – $250k | 29 | 17 | 7.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 35 | 28 | 0.0% |
| 35–44 | 39 | 25 | 7.9% |
| 45–54 | 20 | 17 | 15.0% |
Where Citizens Bank Minnesota lends
5 states and 35 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Minnesota | 160 | 117 | 5.0% | — | #155 |
Frequently asked questions
Citizens Bank Minnesota denied 5.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 72nd percentile of small mortgage lenders.
In 2025, 64% of its applications were for home purchases, 24% for refinancing (including cash-out), and 13% 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.