Applications / Mortgage Analytics / Lenders / Wisconsin / Citizens State Bank of Loyal
Loyal, WI · State non-member bank · FDIC · $309 million assets · 44 loans in 2025
Citizens State Bank of Loyal's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
44
loans originated, 2025
59
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens State Bank of Loyal, a small Wisconsin bank, lends to more low- and moderate-income (LMI) borrowers than most similar lenders.
38.5% of its 44 loans went to LMI borrowers, against 28.2% at similar lenders (state non-member banks making between half and twice as many loans). That is more than three in four of them, and up from 23.2% five years before. Only 4.5% went to LMI neighborhoods and none to majority-minority ones. Its footprint may be the reason: its largest market is non-metro Wisconsin.
Its typical loan was $145,000, against $165,000 at similar lenders, and none was jumbo (larger than the conforming limit). Home purchases made up 68.2% of its loans, all conventional.
It made 44 loans in 2025, down 10% from 49, while similar lenders grew by 3%. Its lending peaked at 190 loans in 2020 and has stayed between 44 and 64 since 2022. The figures do not show why. The peak may have come from refinancing, which is now 22.7% of its loans.
Its largest market is non-metro Wisconsin, where it has lent since 2010 and ranks 203 of 659 lenders. Summit Credit Union and Rocket Mortgage lead there. It made only a handful of loans in Wausau, too few to read much into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Loyal took 59 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.2% · Refinance 22.7% · Home improvement 4.5% · Other 4.5%
Conventional 100.0% · of 44 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 | 44 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wausau | 3 |
| Green Bay | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002PU0KOD7M34E71 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 479446 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 36186 | 2010–2017 |
Established 15 December 1909. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Citizens State Bank of Loyal's data.
Citizens State Bank of Loyal's data
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