# Citizens State Bank of La Crosse

> **Canonical URL:** https://saferate.com/lenders/citizens-state-bank-of-la-crosse

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

Citizens State Bank of La Crosse is a bank, headquartered in La Crosse, WI, serving borrowers across 3 states, with 29 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 46% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 58% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493008L7BNNEPSS6V79
- **Headquarters:** La Crosse, WI
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** IL, MN, WI
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.441%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $793
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 29
- **Dollar Volume:** $8 million
- **Applications Received:** 34
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $267,069
- **Average Borrower Income:** $131,621

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 29/100 | 28 | +0.445% | $782 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 23 loans, Score: 18/100 (Mediocre)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 20/100 | 24 | $6M | +0.396% | Mediocre 😐 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 26 | 0.04% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| La Crosse | WI-MN | 12 | 53/100 |

## Frequently Asked Questions

### What loan types does Citizens State Bank of La Crosse offer?

Citizens State Bank of La Crosse offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Citizens State Bank of La Crosse offer mortgages?

Citizens State Bank of La Crosse offers mortgages in 3 states: IL, MN, WI.

### How competitive are Citizens State Bank of La Crosse's mortgage rates?

Citizens State Bank of La Crosse has a pricing score of 54/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.441% above market average.

### What type of lender is Citizens State Bank of La Crosse?

Citizens State Bank of La Crosse is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in La Crosse, WI.

### What is Citizens State Bank of La Crosse's loan approval success rate?

Citizens State Bank of La Crosse has a pull-through score of 42/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/citizens-state-bank-of-la-crosse

### How to Cite

> "Citizens State Bank of La Crosse Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/citizens-state-bank-of-la-crosse

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