LEI 549300DSTDSDB6L4H829 · Wisner, NE
Citizens State Bank
Originated-loan volume lands in the lower fleet tercile (72 funded) - a thin book relative to the 93 applications disclosed.
Originated-volume tercile vs fleet
Citizens State Bank funded 72 mortgages, lower fleet tercile (below ~78 originations), ranking #3,354 of 4,908 by originated-loan volume and sits below the 1,000-application origination-share board (93 applications).
- n/a
- Below 1,000-app share board
- 77.4%
- Origination share
- 72
- Originated
- 8.6%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
93reported applications
Where Citizens State Bank sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
72 31st percentile higher than 31% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · Citizens State Bank
Application volume by HMDA loan type in this lender's 2024 book.
Thin originated book. Citizens State Bank funded 72 mortgages, below the fleet lower tercile (~78) - so rates swing on small counts; read denial and purpose shares with that denominator in mind. Program weight concentrates in Conventional (93 applications).
How to read Citizens State Bank. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · Citizens State Bank
Citizens State Bank filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 93 | 72 | 8 | $191,882 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Citizens State Bank (LEI: 549300DSTDSDB6L4H829) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 61 | 47 | $218,770 |
| Refinancing | 18 | 15 | $188,889 |
| Other | 9 | 5 | $58,333 |
| Home Improvement | 5 | 5 | $115,000 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 59 | 66.1% | 13.6% |
| Asian * | 1 | 0.0% | 0.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 50 | 74.0% | 8.0% |
| Hispanic or Latino * | 1 | 0.0% | 100.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Nearby Lenders in NE
Other HMDA-reporting lenders in NE with similar activity. Compare any two side-by-side.
One of 75 other HMDA-reporting lenders in NE, 5 are shown here.
First National Bank of Omaha
OMAHA, NE
West Gate Bank
Lincoln, NE
Pinnacle Bank
LINCOLN, NE
Charter West Bank
West Point, NE
Centris Federal Credit Union
Omaha, NE
Read with Citizens State Bank
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 for Citizens State Bank (LEI 549300DSTDSDB6L4H829).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Informational only, not mortgage advice for applicants at Citizens State Bank.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Citizens State Bank page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.