Citizens State Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D 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%
20th19.4% deniedProcesswithdrawn + incomplete share, weight 15%
30th16.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 341 | 248 | 8.8% | 9.4% | — | $58M |
| 2024 | 265 | 184 | 9.8% | 11.3% | — | $42M |
| 2025 | 166 | 107 | 16.3% | 19.4% | — | $34M |
What Citizens State 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, 6 manufactured homes, 37 investment properties.
Who gets approved at Citizens State Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 40 | 21 | 32.3% |
| $100k – $150k | 25 | 17 | 10.5% |
| $150k – $250k | 31 | 21 | 18.5% |
| Over $250k | 37 | 29 | 3.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 42 | 25 | 24.2% |
| 45–54 | 31 | 25 | 7.4% |
| 55–64 | 28 | 14 | 22.7% |
Where Citizens State Bank lends
3 states and 48 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Citizens State Bank denied 19.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 20th percentile of small mortgage lenders.
In 2025, 46% of its applications were for home purchases, 23% for refinancing (including cash-out), and 31% 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.