Citizens First Bank
Citizens First Bank received 178 applications in 2025 and made 152 mortgages, in 18 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $225,000. Of 167 decisions, 6 were denials — 3.6%.
| Legal Entity Identifier | 254900B5Z0UM2W57TK83 |
|---|---|
| Applications received | 178 |
| Mortgages made | 152 |
| Denied | 6 |
| Approved, not taken up | 9 |
| Withdrawn or incomplete | 11 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Citizens First Bank, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 104 | Not published | $235,000 | 2.6% |
| Refinancing | 31 | Not published | $145,000 | 8.8% |
| Cash-out refinancing | 16 | Not published | $190,000 | 0.0% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where Citizens First Bank lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Monroe County, WI | 62 | Not published | 3.1% |
| Vernon County, WI | 46 | Not published | 2.1% |
| La Crosse County, WI | 14 | Not published | 0.0% |
| Trempealeau County, WI | 10 | Not published | 9.1% |
| Crawford County, WI | 4 | Under 10 loans | 16.7% |
| Richland County, WI | 4 | Under 10 loans | 20.0% |
| Jackson County, WI | 2 | Under 10 loans | 0.0% |
| Sawyer County, WI | 2 | Under 10 loans | 0.0% |
| Washington County, WI | 2 | Under 10 loans | 0.0% |
| Brown County, WI | 1 | Under 10 loans | 0.0% |
| Buffalo County, WI | 1 | Under 10 loans | 0.0% |
| Burnett County, WI | 1 | Under 10 loans | 0.0% |
| Douglas County, WI | 1 | Under 10 loans | 0.0% |
| Racine County, WI | 1 | Under 10 loans | 0.0% |
| Washburn County, WI | 1 | Under 10 loans | 0.0% |
| Houston County, MN | 0 | Under 10 loans | 0.0% |
| Eau Claire County, WI | 0 | Under 10 loans | Not published |
| Juneau County, WI | 0 | Under 10 loans | Not published |
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When Citizens First Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.