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

La Crosse, WI

LEI: 5493008L7BNNEPSS6V79

Tax ID: 39-0210160

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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Citizens State Bank Of La Crosse is a smaller bank specializing in Home Purchase loans. Citizens State Bank Of La Crosse has a high proportion of conventional loans. Their top markets by origination volume include: Milwaukee, La Crosse, Oshkosh, Green Bay, and Minneapolis among others. We have data for 20 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 a below 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 7.03% 12/16/24
    30 Year Conventional Refi 6.55% 12/16/24
    30 Year Cash-out Refi 6.94% 12/16/24
    15 Year Conventional Purchase 5.79% 12/16/24
    15 Year Conventional Refi 6.99% 12/16/24
    15 Year Cash-out Refi 6.99% 12/16/24
    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

    180

    Origination Dollar Volume (All Markets)

    $155,830,000

    Awards

    Citizens State Bank of La Crosse 30 Year Conventional Loans gold Citizens State Bank of La Crosse 30 Year Conventional Loans gold Citizens State Bank of La Crosse 30 Year Conventional Loans silver
    Show all (3) awards

    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
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $54,845,000 $54,845,000 $0 5.39%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 68 $27,760,000 $408,235 $2,763 5.35%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 14 $18,580,000 $1,327,143 $2,677 5.58%
    GREEN BAY, WI (FHA|USDA|VA) 6 $15,490,000 $2,581,667 $0 5.34%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $14,715,000 $4,905,000 $3,212 4.63%
    Outside of Metro Areas 26 $8,550,000 $328,846 $2,345 5.83%
    EAU CLAIRE, WI (FHA|USDA|VA) 26 $4,480,000 $172,308 $1,871 5.31%
    Winona, MN (FHA|USDA|VA) 8 $2,230,000 $278,750 $2,821 5.01%
    FOND DU LAC, WI (FHA|USDA|VA) 8 $1,810,000 $226,250 $0 5.31%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 2 $1,650,000 $825,000 $0 4.37%
    APPLETON, WI (FHA|USDA|VA) 5 $1,625,000 $325,000 $4,853 4.42%
    ROCHESTER, MN (FHA|USDA|VA) 2 $1,110,000 $555,000 $3,359 5.56%
    Baraboo, WI (FHA|USDA|VA) 1 $835,000 $835,000 $0 4.49%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $645,000 $645,000 $5,470 5.00%
    Austin, MN (FHA|USDA|VA) 1 $625,000 $625,000 $0 4.99%
    Menomonie, WI (FHA|USDA|VA) 3 $365,000 $121,667 $944 5.95%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $215,000 $215,000 $3,723 5.50%
    Manitowoc, WI (FHA|USDA|VA) 2 $160,000 $80,000 $0 4.89%
    MADISON, WI (FHA|USDA|VA) 1 $105,000 $105,000 $2,609 6.00%
    Traverse City, MI (FHA|USDA|VA) 1 $35,000 $35,000 $1,455 5.50%
    Citizens State Bank Of La Crosse's top markets include Milwaukee, La Crosse, Oshkosh, Green Bay, and Minneapolis among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Michigan (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.

    VERVE, A CREDIT UNION
    Similarity Rank: 76
    Firefighters Credit Union
    Similarity Rank: 90
    Forward Bank
    Similarity Rank: 108
    CO-OP Credit Union
    Similarity Rank: 154
    Security Financial Bank
    Similarity Rank: 165
    Prevail Bank
    Similarity Rank: 171
    MY Credit Union
    Similarity Rank: 304
    South Metro Federal Credit Union
    Similarity Rank: 429
    Cornerstone State Bank
    Similarity Rank: 464
    WNB Financial, N.A.
    Similarity Rank: 660

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 180 $155,830,000 $865,722 $2,556 5.37%

    For 2022, Citizens State Bank Of La Crosse's most frequently originated type of loan was Conventional, with 180 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 110 $136,250,000 $1,238,636 $3,238 5.45%
    Refi 36 $12,660,000 $351,667 $1,518 5.26%
    Cash Out Refi 33 $6,535,000 $198,030 $2,145 5.20%
    Home Improvement 1 $385,000 $385,000 $0 5.89%

    For 2022, Citizens State Bank Of La Crosse's most frequently cited loan purpose was Home Purchase, with 110 originations. The 2nd most popular reason was Refi, with 36 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    5 Year 87 $116,695,000 $1,341,322 $0 5.32%
    30 Year 57 $14,595,000 $256,053 $2,734 5.32%
    3 Year 14 $15,280,000 $1,091,429 $0 5.51%
    15 Year 12 $2,710,000 $225,833 $1,714 5.24%
    Other 8 $6,160,000 $770,000 $0 6.05%
    1 Year 2 $390,000 $195,000 $0 5.62%

    For 2022, Citizens State Bank Of La Crosse's most frequently cited loan duration was 5 Year, with 87 originations. The 2nd most popular length was 30 Year, with 57 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 59 $14,815,000 $251,102
    $1k-2k 4 $890,000 $222,500
    $3k-4k 3 $905,000 $301,667
    $2k-3k 2 $330,000 $165,000
    $4k-5k 1 $365,000 $365,000

    Citizens State Bank Of La Crosse's average total fees were $2,734, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 59 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 67 $81,925,000 $1,222,761
    4-5% 55 $25,435,000 $462,455
    6-7% 33 $19,605,000 $594,091
    3-4% 14 $26,820,000 $1,915,714
    7-8% 5 $955,000 $191,000
    Over 8% 3 $255,000 $85,000
    <2.5% 2 $500,000 $250,000
    2.5-3% 1 $335,000 $335,000

    During 2022, Citizens State Bank Of La Crosse's average interest rate for loans was 5.32%, while their most frequently originated rate bucket for loans was 5-6%, with 67 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 67 $9,715,000 $145,000 $2,407 5.51%
    $200k-400k 47 $13,115,000 $279,043 $2,994 5.05%
    $100,000 or less 30 $2,080,000 $69,333 $1,258 5.95%
    $400k-600k 15 $7,265,000 $484,333 $2,459 5.22%
    $600k-1MM 11 $7,935,000 $721,364 $3,375 5.00%
    $1MM+ 10 $115,720,000 $11,572,000 $0 4.79%

    2022 saw Citizens State Bank Of La Crosse place emphasis on $100k-200k loans with 67 originations, totaling $9,715,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 14 $3,020,000 $215,714 $2,527 5.24%
    $75k-100k 14 $3,120,000 $222,857 $2,908 5.38%
    $50k-75k 13 $1,975,000 $151,923 $2,165 5.13%
    $250k+ 12 $4,910,000 $409,167 $2,519 4.91%
    $150k-250k 11 $3,735,000 $339,545 $2,903 5.81%
    $50k or less 8 $960,000 $120,000 $2,372 5.91%

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

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 24 $5,240,000 $218,333 $2,368 5.35%
    30-36% 16 $4,330,000 $270,625 $2,753 4.91%
    <20% 13 $3,935,000 $302,692 $2,635 5.15%
    45% 3 $645,000 $215,000 $2,205 5.92%
    39% 3 $785,000 $261,667 $2,215 6.17%
    46% 2 $420,000 $210,000 $4,544 4.44%
    37% 2 $600,000 $300,000 $2,040 5.63%
    36% 2 $220,000 $110,000 $2,061 7.69%
    50-60% 1 $465,000 $465,000 $1,405 7.00%
    38% 1 $155,000 $155,000 $2,877 5.25%
    40% 1 $195,000 $195,000 $2,579 5.63%
    41% 1 $185,000 $185,000 $2,080 5.88%
    43% 1 $75,000 $75,000 $2,329 5.25%
    47% 1 $125,000 $125,000 $3,833 6.88%
    49% 1 $345,000 $345,000 $3,752 3.75%

    Citizens State Bank Of La Crosse lent most frequently to those with DTI ratios of 20-30%, with 24 originations. The next most common DTI ratio? 30-36%, with 16 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 100 $136,620,000 $1,366,200 $1,720 5.36%
    White 75 $17,745,000 $236,600 $2,580 5.39%
    Not provided 4 $1,310,000 $327,500 $2,040 5.18%
    Asian 1 $155,000 $155,000 $2,877 5.25%

    Approval Rates

    Total approvals of all applications
    96.19%

    Citizens State Bank Of La Crosse has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    87.78%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 180 $155,830,000 $865,722

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    180 $155,830,000 $865,722

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 11 $1,275,000 $115,909 $1,800 5.30%
    40-60% 18 $4,240,000 $235,556 $2,059 5.41%
    60-80% 95 $128,095,000 $1,348,368 $2,778 5.30%
    80-100% 51 $21,605,000 $423,627 $2,836 5.39%
    Under 20% 5 $615,000 $123,000 $756 6.30%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 1 10.0%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 3 30.0%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 4 40.0%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 1 10.0%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 1 10.0%