Citizens State Bank
Citizens State Bank received 74 applications in 2025 and made 58 mortgages, in 21 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $165,000. Of 72 decisions, 7 were denials — 9.7%.
| Legal Entity Identifier | 549300DSTDSDB6L4H829 |
|---|---|
| Applications received | 74 |
| Mortgages made | 58 |
| Denied | 7 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 2 |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 | 30 | Not published | $185,000 | 8.3% |
| Refinancing | 19 | Not published | $205,000 | 14.8% |
| Other purposes | 9 | 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 |
|---|---|---|---|
| Cass County, NE | 19 | Not published | 4.4% |
| Douglas County, NE | 12 | Not published | 18.8% |
| Sarpy County, NE | 5 | Under 10 loans | 0.0% |
| Colfax County, NE | 2 | Under 10 loans | 0.0% |
| Dodge County, NE | 2 | Under 10 loans | 0.0% |
| Madison County, NE | 2 | Under 10 loans | 25.0% |
| Nemaha County, NE | 2 | Under 10 loans | 0.0% |
| Platte County, NE | 2 | Under 10 loans | 0.0% |
| Thurston County, NE | 2 | Under 10 loans | 0.0% |
| Page County, IA | 1 | Under 10 loans | 0.0% |
| Pottawattamie County, IA | 1 | Under 10 loans | 0.0% |
| Cedar County, NE | 1 | Under 10 loans | 0.0% |
| Cuming County, NE | 1 | Under 10 loans | 0.0% |
| Dakota County, NE | 1 | Under 10 loans | 0.0% |
| Greeley County, NE | 1 | Under 10 loans | 0.0% |
| Hall County, NE | 1 | Under 10 loans | 0.0% |
| Saline County, NE | 1 | Under 10 loans | 50.0% |
| Saunders County, NE | 1 | Under 10 loans | 0.0% |
| Wayne County, NE | 1 | Under 10 loans | 0.0% |
| Fillmore County, NE | 0 | Under 10 loans | 100.0% |
| Lancaster County, NE | 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.