Applications / Mortgage Analytics / Lenders / Wisconsin / Citizens State Bank
Hudson, WI · State non-member bank · FDIC · $478 million assets · 107 loans in 2025
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107
loans originated, 2025
166
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens State Bank, a Wisconsin bank that does most of its lending in Minnesota, made 42% fewer loans in 2025 while similar lenders grew.
It made 107 loans in 2025, down from 184 in 2024 and 248 in 2023. Similar lenders (state non-member banks making between half and twice as many loans) grew by 9%, and the whole market by 10%; its change was among the lowest tenth. The figures do not show why. Its record has swung before, from 109 loans in 2018 to 248 in 2023.
Its dollar lending fell less, to $34.4 million from $42.3 million. Its typical loan rose to $195,000 from $155,000, against $175,000 at similar lenders. Purchases made up 50.5% of its loans, all of them conventional.
In Rochester its share of a $1.45B market rose to 0.4% from 0.0%, ranking it 48 of 276. In Minneapolis-St. Paul-Bloomington, where it has lent since at least 1990, it holds an unchanged 0.1% and ranks 171 of 688. Bell Bank leads there.
21.3% of its loans went to low- and moderate-income (LMI) borrowers, up from 16.2%. That is lower than about two-thirds of similar lenders, whose typical share was 27.7%. Its larger loans may be one reason. Its shares in LMI neighborhoods, 18.7%, and majority-minority ones, 7.5%, were near the middle.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 took 166 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.5% · Refinance 21.5% · Other 15.0% · Home improvement 11.2% · Not applicable 1.9%
Conventional 100.0% · of 107 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 |
|---|---|---|
| Minnesota | 58 | 54.2% |
| Wisconsin | 48 | 44.9% |
| Florida | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 68 |
| Duluth | 6 |
| Rochester | 3 |
| Eau Claire | 2 |
| St. Cloud | 2 |
| Milwaukee-Waukesha | 1 |
| Oshkosh-Neenah | 1 |
| Wausau | 1 |
| Wildwood-The Villages | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TQL7MVZ6OPN578 | 2018–2020 |
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300B3BEP9WW99IR76 | 2021–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 867856 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 36194 | 1990–2017 |
Established 15 July 1904. Reported under HMDA 1990-2025.
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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