Citizens Community 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%
56th8.4% deniedProcesswithdrawn + incomplete share, weight 15%
62nd9.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 109 | 82 | 15.6% | 16.5% | — | $19M |
| 2024 | 124 | 96 | 9.7% | 11.0% | — | $17M |
| 2025 | 131 | 104 | 7.6% | 8.4% | — | $32M |
What Citizens Community 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, 10 manufactured homes, 37 investment properties.
Who gets approved at Citizens Community Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 38 | 27 | 14.3% |
| $100k – $150k | 35 | 30 | 3.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 23 | 18 | 9.5% |
| 35–44 | 22 | 18 | 4.8% |
| 45–54 | 25 | 20 | 0.0% |
Where Citizens Community Bank lends
3 states and 13 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Citizens Community Bank denied 8.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 56th percentile of small mortgage lenders.
In 2025, 65% of its applications were for home purchases, 31% for refinancing (including cash-out), and 4% 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.