Applications / Mortgage Analytics / Lenders / Minnesota / Citizens Independent Bank
Saint Louis Park, MN · State non-member bank · FDIC · $315 million assets · 22 loans in 2025
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22
loans originated, 2025
26
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Independent Bank, a St. Louis Park, Minnesota bank that has reported since 1990, is a very small mortgage lender in Minneapolis-St. Paul, with 22 loans in 2025.
Its loans fell 8%, from 24 to 22. Similar lenders, state non-member banks making between half and twice as many loans, fell 10%, while the whole market grew by the same amount. It made 43 loans in 2019 and 32 in 2018. It filed no report for 2020 to 2022, so those years are gaps in the record, not years without lending.
Minneapolis-St. Paul is its main market, where it ranked 316 of 688 lenders. It has lent there since 1990, and has been known by its present name since 1991, when it stopped calling itself Citizens State Bank of St. Louis Park. Bell Bank leads that market. It also lends outside the metro areas of Minnesota and first appeared in Duluth in 2025.
All 22 loans were conventional, with no government-backed lending, and about two-thirds were home purchases. The rest were refinances.
Its loans went in sizable shares to poorer and majority-minority neighborhoods in both 2024 and 2025. But on a couple of dozen loans a year, a few loans swing those shares widely, so they say little about the bank's lending pattern.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Citizens Independent Bank took 26 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.2% · Refinance 31.8%
Conventional 100.0% · of 22 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 |
|---|---|---|
| Minnesota | 22 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 19 |
| Duluth | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003JI7ZC424UAF50 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 825753 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316863 | 1990–2017 |
Established 16 January 1950. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Citizens Independent Bank's data.
Citizens Independent Bank's data
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Citizens Independent Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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