Citizens State Bank
Citizens State Bank received 166 applications in 2025 and made 107 mortgages, in 48 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $195,000. Of 139 decisions, 27 were denials — 19.4%.
| Legal Entity Identifier | 549300B3BEP9WW99IR76 |
|---|---|
| Applications received | 166 |
| Mortgages made | 107 |
| Denied | 27 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 27 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Citizens State Bank, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 54 | Not published | $255,000 | 9.5% |
| Refinancing | 23 | Not published | $155,000 | 28.1% |
| Other purposes | 30 | Not published | $85,000 | 27.3% |
Where Citizens State Bank lends most
The 48 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| St. Croix County, WI | 24 | Not published | 10.7% |
| Hennepin County, MN | 10 | Not published | 33.3% |
| Anoka County, MN | 7 | Under 10 loans | 18.2% |
| Ramsey County, MN | 7 | Under 10 loans | 22.2% |
| Dunn County, WI | 6 | Under 10 loans | 14.3% |
| Pierce County, WI | 6 | Under 10 loans | 0.0% |
| Wright County, MN | 4 | Under 10 loans | 20.0% |
| Carlton County, MN | 3 | Under 10 loans | 0.0% |
| Dakota County, MN | 3 | Under 10 loans | 25.0% |
| Olmsted County, MN | 3 | Under 10 loans | 0.0% |
| Washington County, MN | 3 | Under 10 loans | 25.0% |
| Cook County, MN | 2 | Under 10 loans | 0.0% |
| Isanti County, MN | 2 | Under 10 loans | 0.0% |
| McLeod County, MN | 2 | Under 10 loans | 0.0% |
| St. Louis County, MN | 2 | Under 10 loans | 0.0% |
| Stearns County, MN | 2 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Cass County, MN | 1 | Under 10 loans | 50.0% |
| Chisago County, MN | 1 | Under 10 loans | 0.0% |
| Freeborn County, MN | 1 | Under 10 loans | 0.0% |
| Goodhue County, MN | 1 | Under 10 loans | 0.0% |
| Mower County, MN | 1 | Under 10 loans | 0.0% |
| Pine County, MN | 1 | Under 10 loans | 0.0% |
| Scott County, MN | 1 | Under 10 loans | 50.0% |
| Steele County, MN | 1 | Under 10 loans | 50.0% |
| Burnett County, WI | 1 | Under 10 loans | 50.0% |
| Chippewa County, WI | 1 | Under 10 loans | 50.0% |
| Dodge County, WI | 1 | Under 10 loans | 0.0% |
| Douglas County, WI | 1 | Under 10 loans | 0.0% |
| Eau Claire County, WI | 1 | Under 10 loans | 0.0% |
| Marathon County, WI | 1 | Under 10 loans | 0.0% |
| Milwaukee County, WI | 1 | Under 10 loans | 0.0% |
| Oneida County, WI | 1 | Under 10 loans | 0.0% |
| Polk County, WI | 1 | Under 10 loans | 0.0% |
| Sauk County, WI | 1 | Under 10 loans | 0.0% |
| Sawyer County, WI | 1 | Under 10 loans | 50.0% |
| Winnebago County, WI | 1 | Under 10 loans | 0.0% |
| Blue Earth County, MN | 0 | Under 10 loans | Not published |
| Carver County, MN | 0 | Under 10 loans | 100.0% |
| Fillmore County, MN | 0 | Under 10 loans | Not published |
| Itasca County, MN | 0 | Under 10 loans | 100.0% |
| Mille Lacs County, MN | 0 | Under 10 loans | Not published |
| Rice County, MN | 0 | Under 10 loans | 0.0% |
| Sherburne County, MN | 0 | Under 10 loans | 0.0% |
| Ashland County, WI | 0 | Under 10 loans | 100.0% |
| Pepin County, WI | 0 | Under 10 loans | 100.0% |
| Vilas County, WI | 0 | Under 10 loans | Not published |
| Washburn County, WI | 0 | Under 10 loans | Not published |
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When Citizens State 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.