Up by half
It made 129 loans, up from 86. That 50% rise was faster than about nine in ten similar lenders, state non-member banks making between half and twice as many loans, which typically grew 9%. In 2020 it made 835.
Applications / Mortgage Analytics / Lenders / Wisconsin / Citizens Bank
Citizens Bank
Mukwonago, WI · State non-member bank · FDIC · $1.2 billion assets · 129 loans in 2025
Citizens Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
129
loans originated, 2025
184
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Bank, a Wisconsin lender to home buyers, grew by half in 2025, though it makes a fraction of the loans it did in 2020.
Big loans
Its typical loan was $285,000, against $175,000 at similar lenders, larger than more than four in five of them. Every loan was conventional. Purchases made up 69.8% of its lending and refinances 20.2%.
Few loans in poorer areas
Low- and moderate-income (LMI) neighborhoods took 4.7% of its loans, against 17.6% at similar lenders, among the lowest tenth. LMI borrowers took 20.7%, against 27.8%. The parts of its 16 counties where it lends, and its focus on larger purchase loans, may explain both.
Small gains near home
In Milwaukee-Waukesha, WI, where it has lent since at least 1990, it ranked 69 of 510 lenders, and its share rose to 0.3% from 0.2%. Landmark Credit Union leads there. In Racine-Mount Pleasant, WI it ranked 56 of 285, with a share of 0.4%, up from 0.2%.
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
129 loans in 2025, against a peak of 835 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Citizens Bank took 184 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
69.8% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 69.8% · Refinance 20.2% · Other 6.2% · Home improvement 3.9%
Conventional 100.0% · of 129 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
1 state, 4 metros, 16 counties
| State | Loans | Share |
|---|---|---|
| Wisconsin | 129 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Milwaukee-Waukesha | 73 |
| Racine-Mount Pleasant | 15 |
| Kenosha | 2 |
| Madison | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002FSR6V2NM1K863 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 783844 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 313055 | 1990–2017 |
Established 12 December 1892. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Citizens Bank's data.
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