Name of the lender

Citizens State Bank in WisconsinMortgage rates, total loan costs and denial rate for homes in Wisconsin, 2025

HMDA year2025

Head office: Cadott, WI
Reporting agency: Federal Deposit Insurance Corporation (FDIC)
Legal Entity Identifier (LEI)

Citizens State Bank reported 148 applications for homes in Wisconsin in the HMDA data of 2025.

It originated 124 loans in the state in 2025, for $37.2 million in total.

The lender filed the interest rate as “Exempt” for all of its 124 loans originated in the state in 2025. This page shows no median interest rate.

This page shows no median total loan costs for Wisconsin, because fewer than 20 loans report the amount.

It denied 11.0% of the applications that it decided in the state in 2025, and the state denial rate was 16.4%.

Filed figures of Citizens State Bank in Wisconsin, 2025
Figure	In WI	Lender, all states	WI, all lenders
Applications	148	149	226,965
Loans originated	124	125	154,669
Median interest rate	n/a	n/a	6.500%
Median total loan costs	n/a	n/a	$3,342
Denial rate	11.0%	10.9%	16.4%

HMDA data are generally not used alone 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.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in WI

Median interest rate in WIExempt

The lender filed the interest rate as “Exempt” for all of its 124 loans originated in 2025.

A lender with a partial exemption can file “Exempt” in place of the interest rate, the total loan costs and some other fields. The glossary has the rule.

If a financial institution is eligible for a partial exemption for a specific transaction, then the financial institution is not required to collect, record, or report certain data points for the transaction.
Source: CFPB, A Beginner’s Guide to Accessing and Using Home Mortgage Disclosure Act Data (June 2022), copied on 2 Oct 2026.

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

Action taken and loan types

Records in Wisconsin by the action taken
Action taken	Records	Share
1Loan originated	124	83.8%
2Application approved but not accepted	6	4.1%
3Application denied	16	10.8%
4Application withdrawn by applicant	2	1.4%
5File closed for incompleteness	0	0.0%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in Wisconsin by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	148	124	11.0%

Counties in Wisconsin

Counties of Citizens State Bank in Wisconsin with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Chippewa County	66	57	$16.4 million	9.2%

Figures by year

Citizens State Bank in Wisconsin by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	148	124	$37.2 million	n/a	n/a	11.0%
2024	130	100	$23.5 million	n/a	n/a	9.2%
2023	95	76	$14.1 million	n/a	n/a	7.4%
2022	152	119	$26.8 million	n/a	n/a	9.2%

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.
BankFind Suite (Federal Deposit Insurance Corporation)The FDIC search for an insured bank: its status, its offices and its regulator.

Cite this page

Page: Lender Register, "Citizens State Bank (Cadott, WI) in Wisconsin, 2025", https://lenderregister.com/lender/254900ju2dyrjvdhmg47-citizens-state-bank/wi/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Wisconsin. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of Citizens State Bank were in Wisconsin in 2025?: 124 of its loans originated, out of 125 in all states. That is 99.2%.
In which counties of Wisconsin did Citizens State Bank originate the most loans in 2025?: Only one county has 50 applications or more of the lender: Chippewa County, with 57 loans originated.
Which loan types did Citizens State Bank originate in Wisconsin in 2025?: All its loans in the state were of one type: 124 conventional.
How did the applications of Citizens State Bank in Wisconsin change from 2022 to 2025?: It reported 152 applications in 2022 and 148 in 2025.