Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$2,916
median across reports
vs. National Average
55%
below national avg
Avg Origination Charge
$1,265
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $1,265 | $3,743 | 🟢 Below Avg |
| discount_points | $1,217 | $3,585 | 🟢 Below Avg |
| lender_credits | $214 | $1,150 | 🟢 Below Avg |
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Based on 238 homebuyer-submitted Closing Disclosures, Citizens Community Federal National Association's median total closing costs are $2,916. This is about 55% below the $6,435 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
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How to Read Your Closing Disclosure
Page-by-page walkthrough of the 5-page form.
Average Closing Costs by State
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Compare Citizens Community Federal National Association with another lender
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Aggregates from Citizens Community Federal National Association's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
132
Median Total Costs
$3,060
−54.2% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
Median Origination
$645
Median Lender Credits
$139
Denial Rate
4.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 132 | 6.625% | $3,060 | $645 |
| This lender | Wisconsin median | National median | |
|---|---|---|---|
| Total Closing Costs | $3,168 | $3,436 | $6,680 |
| Interest Rate | 6.625% | 6.500% | 6.490% |
| Originations in state | 88 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Citizens Community Federal National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $3,060 | $7,127 | −$4,067 (−57.1%) |
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.