Citizens Community Federal National Association
Citizens Community Federal National Association received 387 applications in 2025 and made 289 mortgages, in 58 counties across 3 states. The median rate its borrowers got was 6.625% on a median loan of $225,000. Of 320 decisions, 30 were denials — 9.4%, most often for credit history.
| Legal Entity Identifier | 549300SUC4CLYKKZWS29 |
|---|---|
| Applications received | 387 |
| Mortgages made | 289 |
| Denied | 30 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 67 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.218 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 185 | 6.750% | $255,000 | 5.1% |
| Refinancing | 15 | 6.400% | $405,000 | 0.0% |
| Cash-out refinancing | 71 | 6.500% | $155,000 | 16.5% |
| Other purposes | 18 | 6.625% | $175,000 | 25.0% |
Where Citizens Community Federal National Association lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Eau Claire County, WI | 58 | 6.625% | 7.9% |
| Barron County, WI | 24 | 6.688% | 11.1% |
| Chippewa County, WI | 18 | 6.813% | 0.0% |
| Faribault County, MN | 15 | 6.750% | 11.8% |
| La Crosse County, WI | 15 | 6.875% | 6.3% |
| Washburn County, WI | 13 | 6.750% | 7.1% |
| Pierce County, WI | 12 | 6.750% | 0.0% |
| Blue Earth County, MN | 9 | Under 10 loans | 10.0% |
| Freeborn County, MN | 9 | Under 10 loans | 10.0% |
| Dunn County, WI | 9 | Under 10 loans | 0.0% |
| Trempealeau County, WI | 9 | Under 10 loans | 18.2% |
| Monroe County, WI | 8 | Under 10 loans | 11.1% |
| Nicollet County, MN | 7 | Under 10 loans | 12.5% |
| Rusk County, WI | 7 | Under 10 loans | 12.5% |
| Buffalo County, WI | 5 | Under 10 loans | 0.0% |
| Sawyer County, WI | 5 | Under 10 loans | 16.7% |
| Hennepin County, MN | 4 | Under 10 loans | 0.0% |
| Ramsey County, MN | 4 | Under 10 loans | 0.0% |
| Burnett County, WI | 4 | Under 10 loans | 0.0% |
| Anoka County, MN | 3 | Under 10 loans | 0.0% |
| Martin County, MN | 3 | Under 10 loans | 40.0% |
| Scott County, MN | 3 | Under 10 loans | 0.0% |
| Juneau County, WI | 3 | Under 10 loans | 0.0% |
| St. Croix County, WI | 3 | Under 10 loans | 0.0% |
| Brown County, MN | 2 | Under 10 loans | 0.0% |
| Dakota County, MN | 2 | Under 10 loans | 0.0% |
| Mower County, MN | 2 | Under 10 loans | 0.0% |
| Waseca County, MN | 2 | Under 10 loans | 0.0% |
| Washington County, MN | 2 | Under 10 loans | 0.0% |
| Polk County, WI | 2 | Under 10 loans | 0.0% |
| Vernon County, WI | 2 | Under 10 loans | 0.0% |
| Black Hawk County, IA | 1 | Under 10 loans | 0.0% |
| Aitkin County, MN | 1 | Under 10 loans | 0.0% |
| Carlton County, MN | 1 | Under 10 loans | 0.0% |
| Carver County, MN | 1 | Under 10 loans | 0.0% |
| Goodhue County, MN | 1 | Under 10 loans | 0.0% |
| Isanti County, MN | 1 | Under 10 loans | 50.0% |
| Koochiching County, MN | 1 | Under 10 loans | 0.0% |
| Le Sueur County, MN | 1 | Under 10 loans | 0.0% |
| Mille Lacs County, MN | 1 | Under 10 loans | 50.0% |
| Olmsted County, MN | 1 | Under 10 loans | 0.0% |
| Otter Tail County, MN | 1 | Under 10 loans | 0.0% |
| Redwood County, MN | 1 | Under 10 loans | 0.0% |
| St. Louis County, MN | 1 | Under 10 loans | 0.0% |
| Stearns County, MN | 1 | Under 10 loans | 0.0% |
| Watonwan County, MN | 1 | Under 10 loans | 50.0% |
| Winona County, MN | 1 | Under 10 loans | 0.0% |
| Ashland County, WI | 1 | Under 10 loans | 0.0% |
| Clark County, WI | 1 | Under 10 loans | 0.0% |
| Douglas County, WI | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.