Citizens State Bank in Minnesota vs the state
18.6%Denial rate+4.96 pts vs state
22.5%Decision denial rate+6.15 pts vs state
59.8%Origination rate-6.58 pts vs state
—Median rate
—Rate spread (pts)
$164kMedian applicant income
58Loans originated
18Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 229 | 165 | 10.5% | — | #112 |
| 2024 | 183 | 131 | 7.7% | — | #132 |
| 2025 | 97 | 58 | 18.6% | — | #210 |
What Citizens State Bank lends in Minnesota
By loan purpose
By loan type
Where in Minnesota
Counties with the most Citizens State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 19 | 10 | 5 | 26.3% |
| Anoka County | 11 | 7 | 2 | 18.2% |
| Ramsey County | 11 | 7 | 2 | 18.2% |
| Wright County | 6 | 4 | 1 | 16.7% |
| Dakota County | 5 | 3 | 1 | 20.0% |
| Washington County | 5 | 3 | 1 | 20.0% |
| St. Louis County | 5 | 2 | 0 | 0.0% |
| Carlton County | 4 | 3 | 0 | 0.0% |
| Olmsted County | 3 | 3 | 0 | 0.0% |
| Scott County | 3 | 1 | 1 | 33.3% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 97 applications in 2025, of which 58 were originated and 18 denied.
18.6% of all applications, or 22.5% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
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 State Bank's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology