Applications / Mortgage Analytics / Lenders / Wisconsin / Citizens State Bank of la Crosse
La Crosse, WI · State non-member bank · FDIC · $658 million assets · 123 loans in 2025
Citizens State Bank of la Crosse's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
123
loans originated, 2025
138
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens State Bank of la Crosse more than doubled the dollars it lent in 2025, to $57.9 million, as bigger loans and more of them lifted its share at home.
It made 123 loans, up 35% from 91. Similar lenders (state non-member banks making between half and twice as many loans) grew by 9%, and it grew faster than about four in five of them. Its typical loan rose to $255,000 from $185,000, against $175,000 at its peers. It still made far fewer loans than the 672 of 2020.
In La Crosse-Onalaska, MN-WI, where it has lent since 2007, it ranked 11 of 213 lenders. Its share rose to 2.0% from 1.4%; Altra Federal Credit Union led. Its share also rose in Eau Claire, WI, to 0.5% from 0.3%.
Low- and moderate-income (LMI) neighborhoods took 7.4% of its loans, down from 19.3% and below the 17.7% at similar lenders. A shift toward larger purchase loans, and lending spread across 28 counties in three states, are possible reasons. LMI borrowers took 23.8%, against 27.9% at its peers.
Its typical rate, 6.99%, was close to its peers' 6.95%. Higher-priced loans (a rate well above the average for similar loans) fell to 3.2% from 9.7%, against 3.5% at similar lenders.
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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Citizens State Bank of la Crosse took 138 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.4% · Refinance 31.7% · Home improvement 4.9%
Conventional 100.0% · of 123 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 | 107 | 87.0% |
| Minnesota | 11 | 8.9% |
| Iowa | 5 | 4.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| La Crosse-Onalaska | 59 |
| Eau Claire | 18 |
| Fond du Lac | 3 |
| Milwaukee-Waukesha | 3 |
| Minneapolis-St. Paul-Bloomington | 2 |
| Rochester | 2 |
| Madison | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008L7BNNEPSS6V79 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 447557 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31513 | 2007–2017 |
Established 9 December 1907. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Citizens State Bank of la Crosse's data.
Citizens State Bank of la Crosse's data
$215
Citizens State Bank of la Crosse 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.
Buy Citizens State Bank of la Crosse's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]