Citizens Community Federal at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
51st9.4% deniedPricingmedian rate spread over APOR, weight 30%
57th0.22 ptsProcesswithdrawn + incomplete share, weight 15%
27th17.3%Closing coststotal loan costs ÷ loan amount, weight 10%
74th1.30% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 383 | 264 | 10.2% | 12.3% | 6.50% | $80M |
| 2024 | 349 | 213 | 10.3% | 14.3% | 6.88% | $69M |
| 2025 | 387 | 289 | 7.8% | 9.4% | 6.63% | $127M |
What Citizens Community Federal lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 7 manufactured homes, 64 investment properties.
Why Citizens Community Federal denies applications
Primary reason reported for each of the 30 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Citizens Community Federal
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 45 | 27 | 30.8% |
| $50k – $100k | 124 | 97 | 5.8% |
| $100k – $150k | 70 | 46 | 9.6% |
| $150k – $250k | 61 | 42 | 12.5% |
| Over $250k | 37 | 33 | 2.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 27 | 21 | 12.5% |
| 25–34 | 58 | 43 | 2.3% |
| 35–44 | 52 | 36 | 20.0% |
| 45–54 | 73 | 58 | 6.4% |
| 55–64 | 69 | 47 | 14.6% |
| 65–74 | 46 | 29 | 14.7% |
Where Citizens Community Federal lends
3 states and 58 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Citizens Community Federal denied 9.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 51st percentile of small mortgage lenders.
The most common reason Citizens Community Federal gave in 2025 was "credit history", cited on 66.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Citizens Community Federal originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.22 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 60% of its applications were for home purchases, 32% for refinancing (including cash-out), and 7% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.