Citizens State Bank
Citizens State Bank received 149 applications in 2025 and made 125 mortgages, in 21 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $205,000. Of 147 decisions, 16 were denials — 10.9%.
| Legal Entity Identifier | 254900JU2DYRJVDHMG47 |
|---|---|
| Applications received | 149 |
| Mortgages made | 125 |
| Denied | 16 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 2 |
| 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 | 75 | Not published | $245,000 | 5.9% |
| Refinancing | 16 | Not published | $225,000 | 20.0% |
| Cash-out refinancing | 29 | Not published | $145,000 | 18.4% |
| Other purposes | 5 | Under 10 loans | Under 10 loans | 0.0% |
Where Citizens State Bank lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Chippewa County, WI | 57 | Not published | 9.2% |
| Eau Claire County, WI | 19 | Not published | 0.0% |
| Price County, WI | 9 | Under 10 loans | 35.7% |
| Marathon County, WI | 6 | Under 10 loans | 12.5% |
| Clark County, WI | 5 | Under 10 loans | 0.0% |
| Rusk County, WI | 5 | Under 10 loans | 37.5% |
| Wood County, WI | 4 | Under 10 loans | 20.0% |
| Sheboygan County, WI | 3 | Under 10 loans | 0.0% |
| Trempealeau County, WI | 3 | Under 10 loans | 0.0% |
| Milwaukee County, WI | 2 | Under 10 loans | 0.0% |
| Portage County, WI | 2 | Under 10 loans | 0.0% |
| Blue Earth County, MN | 1 | Under 10 loans | 0.0% |
| Adams County, WI | 1 | Under 10 loans | 0.0% |
| Barron 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% |
| Dodge County, WI | 1 | Under 10 loans | 0.0% |
| Douglas County, WI | 1 | Under 10 loans | 0.0% |
| Dunn County, WI | 1 | Under 10 loans | 0.0% |
| Pierce County, WI | 1 | Under 10 loans | 0.0% |
| Taylor County, WI | 1 | Under 10 loans | 0.0% |
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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.