Applications / Mortgage Analytics / Lenders / Minnesota / Citizens Alliance Bank
Clara City, MN · State non-member bank · FDIC · $1.5 billion assets · 154 loans in 2025
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154
loans originated, 2025
191
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Alliance Bank is based in Minnesota but lends mainly in Montana, and its loans rose 26% in 2025.
Its originations rose 26%, against 10% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the market, higher than at about three in four of them. Dollar volume rose to $50.1 million from $29.6 million. Its count is still below the 269 loans of 2020.
In Great Falls, MT, its largest market, it ranked 10 of 136 lenders with 2.8% of lending, up from 1.2%. It merged with Stockmens Bank in 2025, and that bank's filings count in these competition figures, so the merger may account for some of the rise. Stockman Bank of Montana led the market.
All its loans were conventional. Low- and moderate-income (LMI) neighborhoods took 24.0% of its loans, against 17.5% at similar lenders, higher than at about seven in ten. Its share to LMI borrowers, 26.9%, was near the middle. It made no loans in majority-minority areas, against 5.1% at peers, which may reflect the markets it serves.
Its typical loan was $215,000, against $175,000 at similar lenders. Jumbo loans (larger than the conforming limit) made up 4.6% of its lending, more than at four in five peers. Home purchases took 62.3% of its loans.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Citizens Alliance Bank took 191 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.3% · Refinance 17.5% · Other 14.3% · Home improvement 5.8%
Conventional 100.0% · of 154 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Montana | 93 | 60.4% |
| Minnesota | 56 | 36.4% |
| Colorado | 1 | 0.6% |
| Missouri | 1 | 0.6% |
| South Dakota | 1 | 0.6% |
| Washington | 1 | 0.6% |
| Wisconsin | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Great Falls | 44 |
| Missoula | 20 |
| Minneapolis-St. Paul-Bloomington | 16 |
| Helena | 10 |
| Bozeman | 2 |
| Denver-Aurora-Centennial | 1 |
| Kansas City | 1 |
| St. Cloud | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300S46DHLT3EQ9F05 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 279954 | 2012–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31402 | 2012–2017 |
Established 2 July 1902. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Citizens Alliance Bank's data.
Citizens Alliance Bank's data
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