Citizens State Bank of La Crosse
Citizens State Bank of La Crosse received 138 applications in 2025 and made 123 mortgages, in 28 counties across 3 states. The median rate its borrowers got was 6.990% on a median loan of $250,000. Of 130 decisions, 6 were denials — 4.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493008L7BNNEPSS6V79 |
|---|---|
| Applications received | 138 |
| Mortgages made | 123 |
| Denied | 6 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 8 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.18 points |
| FDIC-insured bank | Yes: Citizens State Bank of La Crosse, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 78 | 6.875% | $255,000 | 3.7% |
| Refinancing | 32 | 7.000% | $275,000 | 3.0% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Other purposes | 6 | Under 10 loans | Under 10 loans | 0.0% |
Where Citizens State Bank of La Crosse lends most
The 28 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| La Crosse County, WI | 46 | 6.938% | 2.1% |
| Eau Claire County, WI | 13 | 6.750% | 6.7% |
| Vernon County, WI | 10 | 7.250% | 0.0% |
| Winona County, MN | 5 | Under 10 loans | 0.0% |
| Chippewa County, WI | 5 | Under 10 loans | 0.0% |
| Jackson County, IA | 4 | Under 10 loans | 0.0% |
| Monroe County, WI | 4 | Under 10 loans | 0.0% |
| Wood County, WI | 4 | Under 10 loans | 0.0% |
| Houston County, MN | 3 | Under 10 loans | 0.0% |
| Fond du Lac County, WI | 3 | Under 10 loans | 0.0% |
| Polk County, WI | 3 | Under 10 loans | 40.0% |
| Trempealeau County, WI | 3 | Under 10 loans | 25.0% |
| Olmsted County, MN | 2 | Under 10 loans | 0.0% |
| Barron County, WI | 2 | Under 10 loans | 0.0% |
| Dunn County, WI | 2 | Under 10 loans | 0.0% |
| Waukesha County, WI | 2 | Under 10 loans | 0.0% |
| Allamakee County, IA | 1 | Under 10 loans | 0.0% |
| Hennepin County, MN | 1 | Under 10 loans | 0.0% |
| Clark County, WI | 1 | Under 10 loans | 0.0% |
| Crawford County, WI | 1 | Under 10 loans | 50.0% |
| Dane County, WI | 1 | Under 10 loans | 0.0% |
| Jackson County, WI | 1 | Under 10 loans | 0.0% |
| Juneau County, WI | 1 | Under 10 loans | 0.0% |
| Milwaukee County, WI | 1 | Under 10 loans | 0.0% |
| Richland County, WI | 1 | Under 10 loans | 0.0% |
| St. Croix County, WI | 1 | Under 10 loans | 0.0% |
| Sauk County, WI | 1 | Under 10 loans | 0.0% |
| Vilas County, WI | 1 | Under 10 loans | 0.0% |
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When Citizens State Bank of La Crosse’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.