Is Citizens State Bank of La Crosse a cheap or expensive mortgage lender? To help you shop for a mortgage, we compare the interest rates and closing costs charged by Citizens State Bank of La Crosse to those of other lenders for a comparable set of borrowers. Here is our review of Citizens State Bank of La Crosse nationally:
| Review Item | Citizens State Bank of La Crosse |
|---|---|
| Interest Rate | similar to other lenders (+0.06%) |
| Loan Related Closing Costs | similar to other lenders (+$45) |
| National Rate and Closing Cost Star Rating | (3) |
On average, Citizens State Bank of La Crosse’s interest rates were similar to those of other lenders (+0.06%). Its loan related closing costs were also similar to those of other lenders, with a difference of +$45. Overall, combining interest rates and closing costs we estimate that Citizens State Bank of La Crosse tends to be an average cost lender, and give it a National Rate and Closing Costs Rating of 3 out of 5 stars.
We maintain our independence by not accepting any money from the mortgage lenders we review. To visit Citizens State Bank of La Crosse, check out its website at: https://citizensstatebank.us.
Citizens State Bank of La Crosse’s Rate Review by City
Mortgage lenders often set different rates in different geographical markets. For our list of the top mortgage lenders by city, click here. In particular, among the cities we track Citizens State Bank of La Crosse was most active in:
Citizens State Bank of La Crosse’s Rate Review by Mortgage Type
Mortgage lenders also tend to charge different interest rates and closing costs depending on the type of mortgage. In our data, Citizens State Bank of La Crosse originated Conforming mortgages for new home purchases and refinances. Its average interest rate and total loan related closing cost difference relative to other lenders by mortgages type is as follows.
| New Purchase Mortgages | Conforming |
|---|---|
| Interest Rate Difference | +0.08% |
| Loan Related Closing Cost Difference | +$49 |
| Cost Adjusted Rate Difference | +0.08% |
| National Star Rating |
| Refinance Mortgages | Conforming |
|---|---|
| Interest Rate Difference | +0.04% |
| Loan Related Closing Cost Difference | +$41 |
| Cost Adjusted Rate Difference | +0.04% |
| Average Star Rating |
As a summary, Citizens State Bank of La Crosse is more expensive than other lenders for Conforming purchase mortgages. For refinancing, Citizens State Bank of La Crosse is similar to other lenders for Conforming mortgage refinance. Nevertheless, individual circumstances can matter a lot for mortgage rates, and we always recommend shopping among several of our top mortgage lenders in your area before signing.
Other information about Citizens State Bank of La Crosse:
Registered city and state: La Crosse, WI, 54601
Regulator: Federal Deposit Insurance Corporation (FDIC)
Top holder: CLAYTON BANKSHARES, INC.
* Source of the data is Federal Financial Institutions Examination Council (FFIEC) and is for mortgages originated in the past year. Our comparable mortgages analysis controls for Citizens State Bank of La Crosse’s distribution of loan term (e.g. 30 year vs 15 year), loan-to-value (LTV), debt-to-income (DTI), loan amount, loan program (e.g. Conforming/FHA), loan purpose (e.g. purchase/refinance), and commuting zone. Cost adjusted rates were computed based on each percent of the loan amount in above average loan related closing costs being worth +0.15 of a percentage point in interest rate. Furthermore, the amounts are regularized using a Bayesian approach to control for small samples.