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CCFN

Citizens Community Federal National Association

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Citizens Community Federal National Association has 174 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Sound
3/5
Regional · 3 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

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Report Card

Citizens Community Federal National Association performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+19.2 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume167
Mix96.0%
Spread
+0.188%Above
Fees
$869Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume129
Mix74.1%
Spread
+0.182%Above
Fees
$1,006Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume45
Mix25.9%
Spread
+0.216%Above
Fees
$945Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
174
Applications
295
Volume
$50 million
Pricing & Closing
Avg Rate Spread
+0.192%
vs. market APOR
Avg Net Fees
$988
Origination − Credits
Pullthrough Rate
59.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$290,977
Avg Borrower Income
$155,546
Avg Property Value
$411,667

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest2
MNWI

Top Metro Areas by Place Specialization Score

1© TessTalks · CC BY-SA 4.0
Eau Claire, WIMetro
Volume 44Mix 25.29% of portfolio
69/100
Strong
Volume 10Mix 5.75% of portfolio
55/100
Sound
3© w_lemay · CC BY-SA 2.0
Minneapolis, MN-WIMetro
Volume 24Mix 13.79% of portfolio
53/100
Sound

Top States by Place Specialization Score

Wisconsin
Wisconsin
1
WisconsinState
Volume 117Mix 67.24% of portfolio
71/100
Strong
Minnesota
Minnesota
2
MinnesotaState
Volume 57Mix 32.76% of portfolio
62/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.