Citizens Community Credit Unio Mortgage Lending & HMDA Data, 2011
In 2011, Citizens Community Credit Unio of Devils Lake, ND reported 95 mortgage applications totaling $4.3 million. The average application was for $45,673, and applicants reported an average income of $52,578. 76% of its applications resulted in an originated loan and 19% were denied. Its largest market was Grand Forks, ND-MN (23).
| Mortgage Company & Address | Citizens Community Credit Unio 1117 Hwy 2 East Devils Lake, ND 58301 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 95 |
| Total Mortgage Loan Application Amount | $4,339,000 |
| Average Mortgage Loan Application Amount | $45,673 |
| Highest Mortgage Loan Application Amount | $276,000 |
| Average Applicant Income | $52,578 |
| Highest Applicant Income | $175,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Community Credit Unio filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Grand Forks, ND-MN | 23 | $ 1,037,000 | $ 45,086 | $ 48,000 |
Mortgage Loan Application Detail Totals for Citizens Community Credit Unio in 2011
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 34 | $815,000 | $23,000 | $95,000 | $56,000 | $95,000 |
| Refinancing | 33 | $1,882,000 | $57,000 | $276,000 | $47,000 | $175,000 |
| Home Purchase | 28 | $1,642,000 | $58,000 | $270,000 | $55,000 | $126,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 90 | $4,062,000 | $45,000 | $276,000 | $53,000 | $175,000 |
| American Indian or Alaskan Native | 2 | $25,000 | $12,000 | $15,000 | $33,000 | $46,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $32,000 | $16,000 | $26,000 | $35,000 | $42,000 |
| Hispanic | 1 | $220,000 | $220,000 | $220,000 | $54,000 | $54,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 94 | $4,291,000 | $45,000 | $276,000 | $53,000 | $175,000 |
| FHA-insured (Federal Housing Administration) | 1 | $48,000 | $48,000 | $48,000 | $45,000 | $45,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 72 | $2,915,000 | $40,000 | $270,000 | $55,000 | $175,000 |
| Application Denied By Financial Institution | 18 | $1,221,000 | $67,000 | $276,000 | $50,000 | $91,000 |
| Application Withdrawn By Applicant | 5 | $203,000 | $40,000 | $75,000 | $30,000 | $46,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 3 | $200,000 | $66,000 | $136,000 | $51,000 | $80,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Community Credit Unio's 2011 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Citizens Community Credit Unio's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in North Dakota, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About