Citizens Bank in Wisconsin vs the state
10.5%Denial rate-3.51 pts vs state
11.4%Decision denial rate-4.98 pts vs state
71.3%Origination rate+3.12 pts vs state
—Median rate
—Rate spread (pts)
$130kMedian applicant income
129Loans originated
19Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 156 | 119 | 9.0% | 6.50% | #162 |
| 2024 | 109 | 85 | 7.3% | — | #223 |
| 2025 | 181 | 129 | 10.5% | — | #173 |
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 |
|---|---|---|---|---|
| Waukesha County | 75 | 54 | 10 | 13.3% |
| Walworth County | 33 | 21 | 3 | 9.1% |
| Racine County | 20 | 15 | 1 | 5.0% |
| Milwaukee County | 17 | 13 | 1 | 5.9% |
| Jefferson County | 8 | 7 | 1 | 12.5% |
| Washington County | 6 | 4 | 0 | 0.0% |
| Dodge County | 4 | 3 | 1 | 25.0% |
| Kenosha County | 3 | 2 | 0 | 0.0% |
| Vilas County | 2 | 1 | 0 | 0.0% |
| Ozaukee 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: 181 applications in 2025, of which 129 were originated and 19 denied.
10.5% of all applications, or 11.4% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
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