Citizens State Bank Of La Crosse Mortgage Rates, Fees & Info

La Crosse, WI

LEI: 5493008L7BNNEPSS6V79

Tax ID: 39-0210160

5 stars - Updated: 12/8/24 - out of 5 stars, based on 11 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Citizens State Bank Of La Crosse is a smaller bank specializing in Home Purchase, Refi, and Cash Out Refi loans. Citizens State Bank Of La Crosse has a high proportion of conventional loans. Their top markets by origination volume include: Oshkosh, Green Bay, Minneapolis, La Crosse, and Eau Claire among others. We have data for 18 markets. (Some data included below & more in-depth data is available with an active subscription.)

Citizens State Bank Of La Crosse has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Citizens State Bank Of La Crosse is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 7.03% 12/8/24
30 Year Conventional Refi 6.55% 12/8/24
30 Year Cash-out Refi 6.94% 12/8/24
15 Year Conventional Purchase 5.79% 12/8/24
15 Year Conventional Refi 6.99% 12/8/24
15 Year Cash-out Refi 6.99% 12/8/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Citizens State Bank Of La Crosse Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Citizens State Bank Of La Crosse. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

118

Origination Dollar Volume (All Markets)

$80,610,000

Awards

Citizens State Bank of La Crosse 30 Year Conventional Loans gold
Show all (1) awards

Relative Rate

Citizens State Bank Of La Crosse's average 30 year fixed mortgage rate was 7.18%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.69%.

Relative Fees (Closing Costs)

Citizens State Bank Of La Crosse's average total fees/closing costs for a 30 year fixed rate mortgage were $2,753.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top 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
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 6 $26,570,000 $4,428,333 $2,083 6.76%
GREEN BAY, WI (FHA|USDA|VA) 5 $20,945,000 $4,189,000 $0 6.87%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 4 $8,660,000 $2,165,000 $2,258 6.56%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 36 $7,680,000 $213,333 $3,053 8.56%
EAU CLAIRE, WI (FHA|USDA|VA) 27 $6,315,000 $233,889 $2,008 7.83%
Outside of Metro Areas 12 $2,400,000 $200,000 $2,158 7.64%
Menomonie, WI (FHA|USDA|VA) 1 $1,835,000 $1,835,000 $0 7.49%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 3 $1,525,000 $508,333 $2,592 7.08%
FOND DU LAC, WI (FHA|USDA|VA) 9 $1,115,000 $123,889 $0 7.92%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $770,000 $385,000 $2,366 6.69%
Winona, MN (FHA|USDA|VA) 2 $690,000 $345,000 $0 7.87%
WAUSAU-WESTON, WI (FHA|USDA|VA) 4 $690,000 $172,500 $0 9.31%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $485,000 $485,000 $3,362 6.88%
Red Wing, MN (FHA|USDA|VA) 1 $265,000 $265,000 $0 9.59%
Baraboo, WI (FHA|USDA|VA) 2 $210,000 $105,000 $0 8.25%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $195,000 $195,000 $8,094 6.88%
APPLETON, WI (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.59%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $115,000 $115,000 $2,155 7.13%
Citizens State Bank Of La Crosse's top markets include Oshkosh, Green Bay, Minneapolis, La Crosse, and Eau Claire among others.

Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Citizens State Bank of La Crosse based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    South Metro Federal Credit Union
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 118 $80,610,000 $683,136 $2,626 7.91%

    For 2023, Citizens State Bank Of La Crosse's most frequently originated type of loan was Conventional, with 118 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 77 $25,545,000 $331,753 $3,092 8.00%
    Refi 19 $33,265,000 $1,750,789 $2,051 7.60%
    Cash Out Refi 18 $20,380,000 $1,132,222 $1,453 7.70%
    Home Improvement 4 $1,420,000 $355,000 $0 8.46%

    For 2023, Citizens State Bank Of La Crosse's most frequently cited loan purpose was Home Purchase, with 77 originations. The 2nd most popular reason was Refi, with 19 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    5 Year 33 $6,435,000 $195,000 $0 7.93%
    3 Year 27 $12,755,000 $472,407 $0 7.83%
    Other 26 $54,250,000 $2,086,538 $0 7.85%
    30 Year 20 $5,420,000 $271,000 $2,753 7.18%
    1 Year 9 $1,275,000 $141,667 $0 9.94%
    15 Year 2 $110,000 $55,000 $1,128 8.25%
    10 Year 1 $365,000 $365,000 $3,085 6.25%

    For 2023, Citizens State Bank Of La Crosse's most frequently cited loan duration was 5 Year, with 33 originations. The 2nd most popular length was 3 Year, with 27 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 20 $5,150,000 $257,500
    $1k-2k 2 $550,000 $275,000
    $5k+ 1 $195,000 $195,000

    Citizens State Bank Of La Crosse's average total fees were $2,753, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 20 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 50 $8,810,000 $176,200
    7-8% 40 $12,940,000 $323,500
    6-7% 21 $12,365,000 $588,810
    5-6% 5 $19,145,000 $3,829,000
    4-5% 2 $27,350,000 $13,675,000

    During 2023, Citizens State Bank Of La Crosse's average interest rate for loans was 7.18%, while their most frequently originated rate bucket for loans was Over 8%, with 50 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 45 $6,685,000 $148,556 $3,234 8.14%
    $200k-400k 29 $7,405,000 $255,345 $2,759 8.06%
    $100,000 or less 25 $1,695,000 $67,800 $1,743 8.13%
    $1MM+ 9 $58,485,000 $6,498,333 $0 6.58%
    $600k-1MM 6 $4,310,000 $718,333 $2,431 7.15%
    $400k-600k 4 $2,030,000 $507,500 $2,432 6.97%

    2023 saw Citizens State Bank Of La Crosse place emphasis on $100k-200k loans with 45 originations, totaling $6,685,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $75k-100k 14 $2,270,000 $162,143 $2,361 7.63%
    $150k-250k 8 $2,430,000 $303,750 $3,997 7.59%
    $50k-75k 7 $845,000 $120,714 $1,718 7.98%
    $100k-150k 4 $770,000 $192,500 $2,462 7.53%
    $250k+ 4 $2,050,000 $512,500 $2,047 7.75%
    $50k or less 2 $260,000 $130,000 $2,804 7.69%

    Citizens State Bank Of La Crosse lent most frequently to those with incomes in the $75k-100k range, with 14 originations. The second most popular income band? $150k-250k, with 8 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 15 $3,615,000 $241,000 $2,959 7.36%
    30-36% 11 $2,775,000 $252,273 $2,262 8.09%
    <20% 6 $1,210,000 $201,667 $2,197 7.51%
    39% 3 $365,000 $121,667 $0 8.00%
    40% 2 $380,000 $190,000 $2,432 6.81%
    37% 1 $185,000 $185,000 $0 10.50%
    44% 1 $95,000 $95,000 $0 7.25%

    Citizens State Bank Of La Crosse lent most frequently to those with DTI ratios of 20-30%, with 15 originations. The next most common DTI ratio? 30-36%, with 11 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 71 $66,485,000 $936,408 $0 8.02%
    White 39 $11,395,000 $292,179 $2,710 7.82%
    Not provided 6 $2,210,000 $368,333 $2,042 7.25%
    Asian 1 $265,000 $265,000 $2,778 7.50%
    Black 1 $255,000 $255,000 $0 7.75%

    Approval Rates

    Total approvals of all applications
    94.85%

    Citizens State Bank Of La Crosse has an average approval rate.

    Pick Rate

    Approvals leading to origination
    92.37%

    Citizens State Bank Of La Crosse has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 118 $80,610,000 $683,136

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    118 $80,610,000 $683,136

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 14 $2,610,000 $186,429 $1,810 8.11%
    40-60% 9 $2,825,000 $313,889 $0 8.41%
    60-80% 51 $38,565,000 $756,176 $2,314 7.94%
    80-100% 41 $35,525,000 $866,463 $3,284 7.79%
    Under 20% 3 $1,085,000 $361,667 $0 6.53%