Citizens First Bank 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%
80th3.6% deniedProcesswithdrawn + incomplete share, weight 15%
75th6.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 167 | 141 | 3.6% | 3.9% | — | $30M |
| 2024 | 162 | 145 | 3.1% | 3.3% | — | $33M |
| 2025 | 178 | 152 | 3.4% | 3.6% | — | $40M |
What Citizens First 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, 11 manufactured homes, 34 investment properties.
Who gets approved at Citizens First Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 53 | 45 | 2.0% |
| $100k – $150k | 43 | 40 | 2.4% |
| $150k – $250k | 35 | 30 | 3.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 31 | 28 | 3.3% |
| 35–44 | 48 | 39 | 2.2% |
| 45–54 | 29 | 28 | 0.0% |
| 55–64 | 24 | 19 | 13.6% |
Where Citizens First Bank lends
2 states and 18 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Wisconsin | 177 | 152 | 3.4% | — | #177 |
Frequently asked questions
Citizens First Bank denied 3.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 80th percentile of small mortgage lenders.
In 2025, 69% of its applications were for home purchases, 30% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 88% conventional, 0% FHA, 11% 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.