Applications / Mortgage Analytics / Lenders / Wisconsin / Citizens First Bank
Viroqua, WI · State non-member bank · FDIC · $345 million assets · 152 loans in 2025
Citizens First Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
152
loans originated, 2025
178
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens First Bank, a Wisconsin bank that first reported in 2022, makes loans guaranteed by the Department of Veterans Affairs (VA), which the typical similar bank does not.
VA loans made up 9.9% of its lending; the typical similar lender (state non-member banks making between half and twice as many loans) made none. It made no loans insured by the Federal Housing Administration (FHA). Home purchases took 68.4% of its loans and refinances 30.9%.
Low- and moderate-income (LMI) borrowers took 33.1% of its loans, against 28.0% at similar lenders, more than at about two-thirds of them. Its share in LMI neighborhoods rose to 14.5%, from 7.6% a year earlier.
It filed no HMDA report for 2018 to 2021, so its record begins with 192 loans in 2022. Originations rose 5% in 2025, to 152, while similar lenders grew 10%. In La Crosse-Onalaska, MN-WI it ranks 15 of 213 lenders, with 1.6% of the market, up from 1.4%. Altra Federal Credit Union leads there. Its largest market is non-metro Wisconsin.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 First Bank took 178 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.4% · Refinance 30.9% · Home improvement 0.7%
Conventional 90.1% · VA 9.9% · of 152 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 |
|---|---|---|
| Wisconsin | 152 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| La Crosse-Onalaska | 60 |
| Milwaukee-Waukesha | 2 |
| Duluth | 1 |
| Green Bay | 1 |
| Racine-Mount Pleasant | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900B5Z0UM2W57TK83 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 716954 | 2022–2023 |
Established 1 January 1912. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: Citizens First Bank's data.
Citizens First Bank's data
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Citizens First 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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