Citizens Bank in Wisconsin vs the state
8.3%Denial rate-5.68 pts vs state
10.2%Decision denial rate-6.19 pts vs state
72.2%Origination rate+4.07 pts vs state
6.31%Median rate-0.31 pts vs state
-0.08Rate spread (pts)-0.20 pts vs state
$108kMedian applicant income
52Loans originated
6Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 57 | 35 | 28.1% | 6.75% | #289 |
| 2024 | 108 | 75 | 13.9% | 6.63% | #224 |
| 2025 | 72 | 52 | 8.3% | 6.31% | #296 |
What Citizens Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 18 | 16 | 0 | 0.0% |
| Milwaukee County | 14 | 10 | 2 | 14.3% |
| Waukesha County | 8 | 6 | 0 | 0.0% |
| Dane County | 6 | 3 | 1 | 16.7% |
| Walworth County | 4 | 4 | 0 | 0.0% |
| Fond du Lac County | 3 | 1 | 1 | 33.3% |
| La Crosse County | 3 | 3 | 0 | 0.0% |
| Ozaukee County | 2 | 2 | 0 | 0.0% |
| Marathon County | 2 | 0 | 0 | 0.0% |
| Racine County | 2 | 2 | 0 | 0.0% |
Other large lenders in Wisconsin
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Summit Credit Union | A | 15,483 | 13.8% | 6.75% |
| University of Wisconsin Credit Union | A | 11,781 | 13.8% | 6.50% |
| Landmark Credit Union | A | 9,393 | 17.7% | 6.50% |
| Rocket Mortgage | C | 7,819 | 18.0% | 6.63% |
| Associated Bank | B | 7,451 | 23.7% | 6.88% |
| BMO Bank | F | 5,202 | 25.3% | 8.23% |
| Educators Credit Union | B | 4,930 | 24.3% | 6.95% |
| U.S. Bank | D | 4,710 | 26.0% | 6.88% |
| Covantage Credit Union | B | 4,581 | 7.7% | 6.50% |
| United Shore Financial Services | B | 4,421 | 11.8% | 6.38% |
Frequently asked questions
Wisconsin: 72 applications in 2025, of which 52 were originated and 6 denied.
8.3% of all applications, or 10.2% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Citizens Bank originated in Wisconsin in 2025 was 6.31%, against a statewide median of 6.63%.
About this data. Figures are Citizens Bank's own HMDA filing for properties located in Wisconsin, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology