Citizens State Bank Mortgage Rates, Fees & Info
Cadott, WILEI: 254900JU2DYRJVDHMG47
Tax ID: 39-0210140
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Mortgage Data
Review & Overview
Citizens State Bank is a smaller bank specializing in Home Purchase loans. Citizens State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Eau Claire, Minneapolis, Beaver Dam, Madison, and Wausau among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)Citizens State Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
77Origination Dollar Volume (All Markets)
$14,485,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| EAU CLAIRE, WI (FHA|USDA|VA) | 57 | $11,505,000 | $201,842 | $0 | 0.00% |
| Outside of Metro Areas | 15 | $1,515,000 | $101,000 | $0 | 0.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $0 | 0.00% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 0.00% |
| MADISON, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Citizens State Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 28
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 77 | $14,485,000 | $188,117 | $0 | 0.00% |
For 2023, Citizens State Bank's most frequently originated type of loan was Conventional, with 77 originations.
Loan Reason
For 2023, Citizens State Bank's most frequently cited loan purpose was Home Purchase, with 57 originations. The 2nd most popular reason was Refi, with 9 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 77 | $14,485,000 | $188,117 | $0 | 0.00% |
For 2023, Citizens State Bank's most frequently cited loan duration was Other, with 77 originations.
Loan Sizing
2023 saw Citizens State Bank place emphasis on $100k-200k loans with 35 originations, totaling $5,295,000 in origination value.
Applicant Income
Citizens State Bank lent most frequently to those with incomes in the $50k or less range, with 17 originations. The second most popular income band? $100k-150k, with 16 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 77 | $14,485,000 | $188,117 | $0 | 0.00% |
Citizens State Bank lent most frequently to those with DTI ratios of Exempt%, with 77 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.71%
Citizens State Bank has an average approval rate.
Pick Rate
Approvals leading to origination84.42%
Citizens State Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 77 | $14,485,000 | $188,117 |