Citizens State Bank of La Crosse at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
75th4.6% deniedPricingmedian rate spread over APOR, weight 30%
62nd0.18 ptsProcesswithdrawn + incomplete share, weight 15%
76th5.8%Closing coststotal loan costs ÷ loan amount, weight 10%
72nd1.34% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 135 | 118 | 4.4% | 4.8% | 7.88% | $81M |
| 2024 | 99 | 91 | 3.0% | 3.1% | 8.10% | $23M |
| 2025 | 138 | 123 | 4.4% | 4.6% | 6.99% | $58M |
What Citizens State Bank of La Crosse lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 65 investment properties.
Why Citizens State Bank of La Crosse denies applications
Primary reason reported for each of the 6 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Citizens State Bank of La Crosse
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 28 | 23 | 7.7% |
| $100k – $150k | 20 | 18 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 28 | 27 | 0.0% |
| 35–44 | 20 | 16 | 11.1% |
Where Citizens State Bank of La Crosse lends
3 states and 28 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Citizens State Bank of La Crosse denied 4.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 75th percentile of small mortgage lenders.
The most common reason Citizens State Bank of La Crosse gave in 2025 was "debt-to-income ratio", cited on 33.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Citizens State Bank of La Crosse originated in 2025 was 6.99%, and its median rate spread over the average prime offer rate was 0.18 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 61% of its applications were for home purchases, 35% for refinancing (including cash-out), and 4% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.