Citizens State Bank
Citizens State Bank received 175 applications in 2025 and made 135 mortgages, in 13 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $125,000. Of 142 decisions, 7 were denials — 4.9%.
| Legal Entity Identifier | 254900P6952HH7CVAC87 |
|---|---|
| Applications received | 175 |
| Mortgages made | 135 |
| Denied | 7 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 33 |
| 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 | 80 | Not published | $125,000 | 4.8% |
| Refinancing | 44 | Not published | $130,000 | 2.2% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 10 | Not published | $55,000 | 16.7% |
Where Citizens State Bank lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Delaware County, IA | 45 | Not published | 4.3% |
| Jones County, IA | 40 | Not published | 7.0% |
| Linn County, IA | 19 | Not published | 5.0% |
| Buchanan County, IA | 17 | Not published | 5.6% |
| Clayton County, IA | 3 | Under 10 loans | 0.0% |
| Fayette County, IA | 3 | Under 10 loans | 0.0% |
| Allamakee County, IA | 2 | Under 10 loans | 0.0% |
| Dubuque County, IA | 2 | Under 10 loans | 0.0% |
| Adams County, IA | 1 | Under 10 loans | 0.0% |
| Black Hawk County, IA | 1 | Under 10 loans | 0.0% |
| Bremer County, IA | 1 | Under 10 loans | 0.0% |
| Johnson County, IA | 1 | Under 10 loans | 0.0% |
| Cedar County, IA | 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.