Citizens Community Federal in Wisconsin vs the state
6.7%Denial rate-7.32 pts vs state
8.4%Decision denial rate-7.92 pts vs state
72.5%Origination rate+4.39 pts vs state
6.69%Median rate+0.06 pts vs state
0.22Rate spread (pts)+0.10 pts vs state
$109kMedian applicant income
206Loans originated
19Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 286 | 195 | 10.8% | 6.50% | #104 |
| 2024 | 243 | 149 | 11.1% | 6.88% | #119 |
| 2025 | 284 | 206 | 6.7% | 6.69% | #122 |
What Citizens Community Federal lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Citizens Community Federal applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Eau Claire County | 75 | 58 | 5 | 6.7% |
| Barron County | 34 | 24 | 3 | 8.8% |
| Chippewa County | 25 | 18 | 0 | 0.0% |
| Trempealeau County | 22 | 9 | 2 | 9.1% |
| La Crosse County | 21 | 15 | 1 | 4.8% |
| Washburn County | 21 | 13 | 1 | 4.8% |
| Monroe County | 13 | 8 | 1 | 7.7% |
| Pierce County | 13 | 12 | 0 | 0.0% |
| Rusk County | 11 | 7 | 1 | 9.1% |
| Dunn County | 9 | 9 | 0 | 0.0% |
Other large lenders in Wisconsin
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Summit Credit Union | A | 15,483 | 13.8% | 6.75% |
| University of Wisconsin Credit Union | A | 11,781 | 13.8% | 6.50% |
| Landmark Credit Union | A | 9,393 | 17.7% | 6.50% |
| Rocket Mortgage | C | 7,819 | 18.0% | 6.63% |
| Associated Bank | B | 7,451 | 23.7% | 6.88% |
| BMO Bank | F | 5,202 | 25.3% | 8.23% |
| Educators Credit Union | B | 4,930 | 24.3% | 6.95% |
| U.S. Bank | D | 4,710 | 26.0% | 6.88% |
| Covantage Credit Union | B | 4,581 | 7.7% | 6.50% |
| United Shore Financial Services | B | 4,421 | 11.8% | 6.38% |
Frequently asked questions
Wisconsin: 284 applications in 2025, of which 206 were originated and 19 denied.
6.7% of all applications, or 8.4% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Citizens Community Federal originated in Wisconsin in 2025 was 6.69%, against a statewide median of 6.63%.
About this data. Figures are Citizens Community Federal's own HMDA filing for properties located in Wisconsin, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology