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The Lender Report built this page from public records. Citizens State Bank of La Crosse has not reviewed it. Every lender's page starts this way, and it says nothing about Citizens State Bank of La Crosse itself. Each figure shows its source and date. Work at Citizens State Bank of La Crosse? You can claim this page for free.
Multifamily record
Citizens State Bank of La Crosse: multifamily loans made
Citizens State Bank of La Crosse, a bank based in La Crosse, WI, made 54 multifamily loans in 2024 and 2025, $37.9M in all, in 3 states. The typical loan was about $240K, and the largest about $16M. Most were in La Crosse County, WI.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Multifamily loans
- 54
- HMDA,
- 2024 and 2025. Manufactured-home parks excluded
- Dollars
- $37.9M
- HMDA,
- Rounded amounts
- Typical loan
- $240K
- HMDA,
- Largest loan
- $16M
- HMDA,
- Rounded to 2 significant figures
- States
- 3
- HMDA,
Cite this
Source: The Lender Report, Citizens State Bank of La Crosse: multifamily loans made, https://lender.report/lender/citizens-state-bank-of-la-crosse-wi/multifamily/, data as of December 31, 2025.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | St. Croix County, WI | Refinance, 50 to 99 units | $16M | 6.74% | 3 yr | 70% | HMDA 2025 |
| 2025 | La Crosse County, WI | Refinance, 150 or more units | $2.4M | 6.74% | 7.1 yr | 49% | HMDA 2025 |
| 2025 | La Crosse County, WI | Refinance, 5 to 24 units | $1.9M | 7.49% | 5 yr | 62% | HMDA 2025 |
| 2025 | Dunn County, WI | Refinance, 50 to 99 units | $1.8M | 7.24% | 5 yr | 64% | HMDA 2025 |
| 2025 | Clark County, WI | Refinance, 25 to 49 units | $1.3M | 6.99% | 5 yr | 70% | HMDA 2025 |
| 2025 | Wood County, WI | Purchase, 5 to 24 units | $840K | 6.88% | 3 yr | 26% | HMDA 2025 |
| 2025 | La Crosse County, WI | Purchase, 5 to 24 units | $780K | 7.49% | 5 yr | 100% | HMDA 2025 |
| 2025 | La Crosse County, WI | Purchase, 5 to 24 units | $460K | 6.49% | 0.5 yr | 76% | HMDA 2025 |
| 2025 | Wood County, WI | Purchase, 50 to 99 units | $440K | 6.99% | 3 yr | 16% | HMDA 2025 |
| 2025 | Vernon County, WI | Purchase, 25 to 49 units | $400K | 7.25% | 5 yr | 69% | HMDA 2025 |
| 2025 | Monroe County, WI | Purchase, 5 to 24 units | $380K | 6.74% | 5 yr | 80% | HMDA 2025 |
| 2025 | La Crosse County, WI | Purchase, 5 to 24 units | $360K | 7% | 5 yr | 80% | HMDA 2025 |
| 2025 | La Crosse County, WI | Refinance, 5 to 24 units | $360K | 7% | 5 yr | 80% | HMDA 2025 |
| 2025 | Jackson County, IA | Purchase, 5 to 24 units | $280K | 7.49% | 3 yr | 80% | HMDA 2025 |
| 2025 | Juneau County, WI | Refinance, 5 to 24 units | $280K | 6.99% | 5 yr | 75% | HMDA 2025 |
| 2025 | La Crosse County, WI | Refinance, 5 to 24 units | $280K | 7.49% | 5 yr | 76% | HMDA 2025 |
| 2025 | Wisconsin | Purchase, 5 to 24 units | $260K | 7.99% | 3 yr | 80% | HMDA 2025 |
| 2025 | Monroe County, WI | Purchase, 5 to 24 units | $240K | 6.6% | 5 yr | 78% | HMDA 2025 |
| 2025 | Fond du Lac County, WI | Refinance, 25 to 49 units | $180K | 7.25% | 5 yr | 80% | HMDA 2025 |
| 2025 | Jackson County, IA | Improvement, 5 to 24 units | $180K | 7.49% | 5 yr | 80% | HMDA 2025 |
| 2025 | Wood County, WI | Purchase, 5 to 24 units | $180K | 9.5% | 1.1 yr | 18% | HMDA 2025 |
| 2025 | Allamakee County, IA | Purchase, 5 to 24 units | $140K | 7.75% | 5 yr | 45% | HMDA 2025 |
| 2025 | Fond du Lac County, WI | Refinance, 25 to 49 units | $140K | 7.25% | 5 yr | 80% | HMDA 2025 |
| 2025 | La Crosse County, WI | Improvement, 5 to 24 units | $120K | 7.75% | 5 yr | 69% | HMDA 2025 |
| 2025 | Vernon County, WI | Purchase, 5 to 24 units | $120K | 7.99% | 5 yr | 23% | HMDA 2025 |
| 54 multifamily loans made in 2024 and 2025 | $37.9M | HMDA 2024 and 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| La Crosse County, WI | County | 20 | $9.61M |
| Vernon County, WI | County | 5 | $1.32M |
| Wisconsin | State | 4 | $1.16M |
| Wood County, WI | County | 4 | $2.86M |
| Eau Claire County, WI | County | 3 | $465K |
| Monroe County, WI | County | 3 | $760K |
| Winona County, MN | County | 3 | $250K |
| Fond du Lac County, WI | County | 2 | $320K |
| Jackson County, IA | County | 2 | $460K |
| Polk County, WI | County | 2 | $500K |
| Allamakee County, IA | County | 1 | $140K |
| Clark County, WI | County | 1 | $1.30M |
A county is named only where the public file holds 5 or more multifamily loans there in the year; otherwise the metro area or the state is.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $1M | 48 | $13.1M |
| $1M to $2.5M | 5 | $8.80M |
| $2.5M to $5M | 0 | $0 |
| $5M to $10M | 0 | $0 |
| $10M or more | 1 | $16.0M |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2024 | 18 | $7.26M | $260K |
| 2025 | 36 | $30.7M | $240K |
| Purpose | Loans |
|---|---|
| Purchase | 32 |
| Refinance | 17 |
| Improvement | 5 |
| Units | Loans |
|---|---|
| 5 to 24 units | 43 |
| 25 to 49 units | 5 |
| 50 to 99 units | 5 |
| 150 or more units | 1 |
- Citizens State Bank of La Crosse made 54 multifamily loans totaling $37.9M in 2024 and 2025, in 16 named places across 3 states. HMDA,
- It made 36 of them in 2025 and 18 in 2024. HMDA,
- The typical loan was about $240K, with the middle half between $120K and $460K. HMDA,
- The largest was about $16M. Every amount is rounded to 2 significant figures. HMDA,
- 48 loans were under $1M, and 1 was $5M or more. HMDA,
- It reported a median rate of 7.49% on 54 loans, with the middle half between 7.00% and 7.99%. HMDA,
- The median term was 5 years. HMDA,
- The median loan to value was 75%. HMDA,
- 31% of the loans were refinancings and 59% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 43 loans. HMDA,
- Its loans were most often in La Crosse County, WI (20), Vernon County, WI (5) and Wood County, WI (4). HMDA,
What we don't know
- Whether Citizens State Bank of La Crosse is taking new multifamily loans today.
- Its minimum or maximum loan, its fees and its other terms. HMDA reports the rate, term and loan to value, and this page shows what it reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
Place is a county only where the public file holds 5 or more multifamily loans of that year there, otherwise the metro area or the state. Amounts are rounded to 2 significant figures and HMDA has a year, never a date.
HMDA covers dwelling-secured loans. Manufactured-home parks are left out of every count.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.