Citizens State Bank of La Crosse in Minnesota vs the state
0.0%Denial rate-13.60 pts vs state
0.0%Decision denial rate-16.35 pts vs state
100.0%Origination rate+33.63 pts vs state
7.49%Median rate+0.87 pts vs state
0.10Rate spread (pts)-0.16 pts vs state
$143kMedian applicant income
11Loans originated
0Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 6 | 20.0% | 8.17% | #447 |
| 2024 | 5 | 4 | 20.0% | 7.84% | #519 |
| 2025 | 11 | 11 | 0.0% | 7.49% | #451 |
What Citizens State Bank of La Crosse lends in Minnesota
By loan purpose
By loan type
Where in Minnesota
Counties with the most Citizens State Bank of La Crosse applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Winona County | 5 | 5 | 0 | 0.0% |
| Houston County | 3 | 3 | 0 | 0.0% |
| Olmsted County | 2 | 2 | 0 | 0.0% |
| Hennepin County | 1 | 1 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 11 applications in 2025, of which 11 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Citizens State Bank of La Crosse originated in Minnesota in 2025 was 7.49%, against a statewide median of 6.63%.
About this data. Figures are Citizens State Bank of La Crosse's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology