Citizens Community Federal in Minnesota vs the state
10.8%Denial rate-2.82 pts vs state
11.7%Decision denial rate-4.65 pts vs state
80.4%Origination rate+14.02 pts vs state
6.63%Median rate0.00 pts vs state
0.21Rate spread (pts)-0.04 pts vs state
$74kMedian applicant income
82Loans originated
11Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 96 | 69 | 8.3% | 6.50% | #189 |
| 2024 | 105 | 64 | 8.6% | 6.84% | #184 |
| 2025 | 102 | 82 | 10.8% | 6.63% | #204 |
What Citizens Community Federal lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Citizens Community Federal applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Faribault County | 18 | 15 | 2 | 11.1% |
| Blue Earth County | 12 | 9 | 1 | 8.3% |
| Freeborn County | 11 | 9 | 1 | 9.1% |
| Nicollet County | 8 | 7 | 1 | 12.5% |
| Martin County | 7 | 3 | 2 | 28.6% |
| Hennepin County | 5 | 4 | 0 | 0.0% |
| Scott County | 4 | 3 | 0 | 0.0% |
| Ramsey County | 4 | 4 | 0 | 0.0% |
| Anoka County | 3 | 3 | 0 | 0.0% |
| Dakota County | 2 | 2 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 102 applications in 2025, of which 82 were originated and 11 denied.
10.8% of all applications, or 11.7% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Citizens Community Federal originated in Minnesota in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Citizens Community Federal's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology