Applications / Mortgage Analytics / Lenders / Nebraska / Citizens State Bank
Wisner, NE · State member bank · FRS · $640 million assets · 58 loans in 2025
Citizens State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
58
loans originated, 2025
74
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens State Bank is a small Nebraska lender whose loans go unusually often to low- and moderate-income borrowers, even as its volume fell in a year when most similar lenders grew.
Similar lenders are state member banks making between half and twice as many loans. Of its loans, 40.0% went to low- and moderate-income (LMI) borrowers, against 24.6% for similar lenders, higher than nearly nine in ten; the year before it was 47.1%. On 58 loans, a handful of borrowers moves this share.
Originations fell 19% to 58, while similar lenders rose 8% and the whole market 10%. On so few loans, a handful fewer purchases or refinancings in its towns could explain the drop.
Every loan was conventional, none jumbo (larger than the conforming limit), and its typical loan of $165,000 sits near the middle of similar lenders. Too few of its applications were decided for a denial rate to be shown.
Its Omaha share slipped to 0.1% from 0.2%, ranking 119 of 417; in non-metro Nebraska it ranks 91 of 341, with lending across 19 counties in 2 states.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Citizens State Bank took 74 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.7% · Refinance 32.8% · Other 8.6% · Home improvement 6.9%
Conventional 100.0% · of 58 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Nebraska | 56 | 96.6% |
| Iowa | 2 | 3.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 38 |
| Grand Island | 1 |
| Sioux City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DSTDSDB6L4H829 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 482053 | 2019–2023 |
Established 19 October 1888. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Citizens State Bank's data.
Citizens State Bank's data
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Citizens State Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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