# Citizens Community Federal National Association

> **Canonical URL:** https://saferate.com/lenders/citizens-community-federal-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Citizens Community Federal National Association is a bank, headquartered in Altoona, WI, serving borrowers across 2 states, with 174 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 16% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 60% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300SUC4CLYKKZWS29
- **Headquarters:** Altoona, WI
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** MN, WI
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 84/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 40/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.192%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $988
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 174
- **Dollar Volume:** $51 million
- **Applications Received:** 295
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $290,977
- **Average Borrower Income:** $155,546
- **Average Property Value:** $411,667

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Purchase Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 54/100 | 167 | +0.188% | $869 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 122 loans, Score: 50/100 (Sound)
- Refinance: 45 loans, Score: 58/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 129 | $42M | +0.182% | Sound ☺️ |
| Refinance | 57/100 | 45 | $8M | +0.216% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 117 | 0.18% | 71/100 |
| MN | 57 | 0.09% | 62/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 84 | 57/100 |
| Eau Claire, WI | WI | 44 | 69/100 |
| Minneapolis | MN-WI | 24 | 53/100 |
| Mankato, MN | MN | 10 | 55/100 |

## Where This Lender Ranks

Citizens Community Federal National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Eau Claire, WI Banks
  - [View Full Rankings](https://saferate.com/eau-claire-wi/best-mortgage-lenders/banks)
- 🥉 **#3** in Eau Claire, WI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/eau-claire-wi/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Eau Claire, WI
  - [View Full Rankings](https://saferate.com/eau-claire-wi/best-mortgage-lenders)
- 🏆 **#5** in Eau Claire, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/eau-claire-wi/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Mankato, MN for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/mankato-mn/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Mankato, MN for Conventional Loans
  - [View Full Rankings](https://saferate.com/mankato-mn/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Citizens Community Federal National Association offer?

Citizens Community Federal National Association offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Citizens Community Federal National Association offer mortgages?

Citizens Community Federal National Association offers mortgages in 2 states: MN, WI.

### How competitive are Citizens Community Federal National Association's mortgage rates?

Citizens Community Federal National Association has a pricing score of 84/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.192% above market average.

### What type of lender is Citizens Community Federal National Association?

Citizens Community Federal National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Altoona, WI.

### What is Citizens Community Federal National Association's loan approval success rate?

Citizens Community Federal National Association has a pull-through score of 40/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/citizens-community-federal-national-association

### How to Cite

> "Citizens Community Federal National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/citizens-community-federal-national-association

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