STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
433
2010–2026
Total Volume
$296M
Gross loan amounts
States Active
15
With recorded loans
Programs
7(a) & 504
433 total segments
Citizens Community Federal has a strong focus on existing businesses, with 46% of their deals serving this purpose. This makes them a solid choice for established companies looking to expand or refinance.
With an average 7(a) spread of P+1.97%, Citizens Community Federal offers competitive pricing compared to the national median of P+2.75%. This can save you money on interest over the life of your loan.
The lender's 504 share is 13%, which is slightly below the national average of 18%. If you're considering a 504 loan, be aware that while they do offer it, their primary focus remains on 7(a) loans.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 56 504 loans, which use fixed SBA debenture rates.
States where Citizens Community Federal National Association has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Administrative & Waste Services
Administrative & Waste Services
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Hotels & Accommodation
Accommodation & Food Services
Specialty Trade Contractors
Construction
Transportation & Warehousing
Transportation & Warehousing
Finance & Insurance
Finance & Insurance
Wholesale Trade
Wholesale Trade
+ 7 more
All recorded SBA lending activity for Citizens Community Federal National Association, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Wisconsin · Administrative & Waste Services · Under $150K | 7(a) | 19 | P+2.00% | $76K | Q4 2024 |
| Wisconsin · Restaurants & Food Service · Under $150K | 7(a) | 11 | P+2.00% | $76K | Q2 2025 |
| Wisconsin · Transportation & Warehousing · Under $150K | 7(a) | 9 | P+2.75% | $99K | Q1 2025 |
| Wisconsin · Specialty Trade Contractors · Under $150K | 7(a) | 9 | P+2.50% | $119K | Q2 2024 |
| Wisconsin · Manufacturing · $500K – $1M | 7(a) | 8 | P+2.13% | $787K | Q1 2025 |
| Wisconsin · Personal Care (Salons, Spas) · Under $150K | 7(a) | 8 | P+2.63% | $78K | Q3 2024 |
| Wisconsin · Administrative & Waste Services · $150K – $350K | 7(a) | 8 | P+2.00% | $248K | Q1 2025 |
| Wisconsin · Restaurants & Food Service · $150K – $350K | 7(a) | 7 | P+2.00% | $250K | Q2 2022 |
| Wisconsin · Wholesale Trade · $500K – $1M | 7(a) | 6 | P+1.75% | $729K | Q4 2020 |
| Wisconsin · Auto Repair & Maintenance · Under $150K | 7(a) | 5 | P+2.00% | $106K | Q2 2025 |
| Wisconsin · Manufacturing · $150K – $350K | 7(a) | 5 | P+2.25% | $237K | Q3 2024 |
| Wisconsin · Real Estate · $150K – $350K | 7(a) | 5 | P+2.00% | $236K | Q2 2023 |
| Wisconsin · Finance & Insurance · $500K – $1M | 7(a) | 5 | P+2.25% | $767K | Q4 2023 |
| Wisconsin · Food & Beverage Stores · Under $150K | 7(a) | 5 | P+2.00% | $79K | Q1 2024 |
| Wisconsin · Specialty Trade Contractors · $350K – $500K | 7(a) | 4 | P+2.50% | $465K | Q4 2023 |
| Wisconsin · Finance & Insurance · Under $150K | 7(a) | 4 | P+2.75% | $112K | Q1 2017 |
| Wisconsin · Manufacturing · Under $150K | 7(a) | 4 | P+2.50% | $84K | Q1 2022 |
| Wisconsin · Wholesale Trade · Under $150K | 7(a) | 4 | P+2.63% | $82K | Q4 2023 |
| Wisconsin · Specialty Trade Contractors · $150K – $350K | 7(a) | 4 | P+2.63% | $231K | Q2 2023 |
| Wisconsin · Administrative & Waste Services · $350K – $500K | 7(a) | 4 | P+2.00% | $415K | Q4 2023 |
| Wisconsin · Administrative & Waste Services · $500K – $1M | 7(a) | 4 | P+2.25% | $821K | Q1 2025 |
| Wisconsin · Agriculture & Forestry · Under $150K | 7(a) | 4 | P+1.50% | $109K | Q3 2021 |
| Wisconsin · Finance & Insurance · $150K – $350K | 7(a) | 3 | P+2.25% | $282K | Q2 2021 |
| Wisconsin · Manufacturing · $2M – $5M | 7(a) | 3 | P+1.75% | $3.2M | Q3 2024 |
| Wisconsin · Wholesale Trade · $150K – $350K | 7(a) | 3 | P+2.75% | $266K | Q3 2021 |
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Real experiences from borrowers who closed SBA loans with Citizens Community Federal National Association.
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