Citizens State Bank mortgage approval rate & lending review
Citizens State Bank decided 285 mortgage applications and funded 229 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Citizens State Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Citizens State Bank at a glance
Approval is 7.8 points above the 83.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 120 / 127 | 86% | $205K | 103 |
| Refinance | 83% | 43 / 52 | 95% | $165K | 41 |
| Investment property purchase | 95% | 69 / 73 | 86% | $305K | 59 |
Citizens State Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Minnesota | 91% | $205K | 267 | 214 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Citizens State Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hennepin County, MN | Investment property purchase | 95% | 21 | 16 |
The county markets where Citizens State Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Citizens State Bank
What is Citizens State Bank's mortgage approval rate?
Citizens State Bank approved 90.9% of the 285 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.8 points above the 83.0% national rate for the same mix of loan types.
How often do borrowers take the loan Citizens State Bank offers?
Borrowers accepted 88% of the loans Citizens State Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Citizens State Bank make?
The typical home purchase mortgage loan Citizens State Bank made was $205K; across all loan types its typical loan ran from $165K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Citizens State Bank lend?
Citizens State Bank decided applications in 4 of the states Fat Boy Data covers, most of them in Minnesota, Wisconsin and Florida.
Can I apply to Citizens State Bank directly?
Yes. Citizens State Bank is a bank or credit union with 88 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Citizens State Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Citizens State Bank treats applications, then get a rate quote from the lender.