Lenders › Citizens First Bank › Wisconsin
Citizens First Bank in Wisconsin
HMDA record for properties in Wisconsin, calendar year 2024. National record · Wisconsin overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Wisconsin, Citizens First Bank reported 158 applications and 143 originations for 2024, $32m in all.
Its denial rate in the state was 3.3%, below the Wisconsin rate of 17.1% across all lenders and compared with the lender's national rate of 3.3%.
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Wisconsin | Wisconsin, all lenders | Citizens First Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 3.3% | 17.1% | 3.3% | 24.3% |
| Median rate spread, pp | — | 0.2 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 11.0% | — | 15.6% |
| Average originated loan | $222k | $223k | $225k | $329k |
| Home purchase share | 60.1% | 46.3% | 60.7% | 57.0% |
| FHA-insured share | 0.0% | 5.6% | 0.0% | 13.4% |
| VA-guaranteed share | 10.5% | 4.3% | 10.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWisconsin, all lenders
Loan purpose and loan type in Wisconsin
By purpose
Home purchase 60% (86)Home improvement 1% (1)Refinancing 32% (46)Cash-out refinancing 7% (10)
By type
Conventional 88% (126)VA 10% (15)USDA 1% (2)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Wisconsin
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Monroe County | 59 | 54 | $14m | 3.5% |
| Vernon County | 39 | 35 | $6.6m | 7.7% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Citizens First Bank originate in Wisconsin in 2024?
143 loans totalling $32m, from 158 applications reported for properties in Wisconsin.
What is Citizens First Bank's denial rate in Wisconsin?
3.3% of decided applications in Wisconsin were denied, against 17.1% for all lenders in the state and 3.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Wisconsin counties does Citizens First Bank lend in most?
By originations: Monroe County (54), Vernon County (35).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Wisconsin. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.