Citizens State Bank of La Crosse in Wisconsin vs the state
4.9%Denial rate-9.09 pts vs state
5.3%Decision denial rate-11.10 pts vs state
87.7%Origination rate+19.55 pts vs state
6.99%Median rate+0.37 pts vs state
0.24Rate spread (pts)+0.12 pts vs state
$110kMedian applicant income
107Loans originated
6Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 123 | 110 | 3.3% | 7.88% | #191 |
| 2024 | 91 | 84 | 2.2% | 8.10% | #252 |
| 2025 | 122 | 107 | 4.9% | 6.99% | #227 |
What Citizens State Bank of La Crosse lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Citizens State Bank of La Crosse applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| La Crosse County | 47 | 46 | 1 | 2.1% |
| Eau Claire County | 20 | 13 | 1 | 5.0% |
| Vernon County | 10 | 10 | 0 | 0.0% |
| Polk County | 6 | 3 | 2 | 33.3% |
| Chippewa County | 6 | 5 | 0 | 0.0% |
| Trempealeau County | 5 | 3 | 1 | 20.0% |
| Monroe County | 4 | 4 | 0 | 0.0% |
| Wood County | 4 | 4 | 0 | 0.0% |
| Fond du Lac County | 3 | 3 | 0 | 0.0% |
| Dunn County | 2 | 2 | 0 | 0.0% |
Other large lenders in Wisconsin
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Summit Credit Union | A | 15,483 | 13.8% | 6.75% |
| University of Wisconsin Credit Union | A | 11,781 | 13.8% | 6.50% |
| Landmark Credit Union | A | 9,393 | 17.7% | 6.50% |
| Rocket Mortgage | C | 7,819 | 18.0% | 6.63% |
| Associated Bank | B | 7,451 | 23.7% | 6.88% |
| BMO Bank | F | 5,202 | 25.3% | 8.23% |
| Educators Credit Union | B | 4,930 | 24.3% | 6.95% |
| U.S. Bank | D | 4,710 | 26.0% | 6.88% |
| Covantage Credit Union | B | 4,581 | 7.7% | 6.50% |
| United Shore Financial Services | B | 4,421 | 11.8% | 6.38% |
Frequently asked questions
Wisconsin: 122 applications in 2025, of which 107 were originated and 6 denied.
4.9% of all applications, or 5.3% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Citizens State Bank of La Crosse originated in Wisconsin in 2025 was 6.99%, 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 Wisconsin, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology