Citizens Community Credit Unio Mortgage Lending & HMDA Data, 2012
In 2012, Citizens Community Credit Unio of Devils Lake, ND reported 131 mortgage applications totaling $6.3 million, up 38% from 2011. The average application was for $48,076, and applicants reported an average income of $58,908. 76% of its applications resulted in an originated loan and 14% were denied. Its largest market was Grand Forks, ND-MN (43).
| 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 | 131 |
| Total Mortgage Loan Application Amount | $6,298,000 |
| Average Mortgage Loan Application Amount | $48,076 |
| Highest Mortgage Loan Application Amount | $285,000 |
| Average Applicant Income | $58,908 |
| Highest Applicant Income | $382,000 |
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records Citizens Community Credit Unio filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 43 | $ 2,703,000 | $ 62,860 | $ 62,395 |
Mortgage Loan Application Detail Totals for Citizens Community Credit Unio in 2012
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 Purchase | 46 | $2,619,000 | $56,000 | $285,000 | $56,000 | $382,000 |
| Home Improvement | 43 | $1,139,000 | $26,000 | $80,000 | $59,000 | $218,000 |
| Refinancing | 42 | $2,540,000 | $60,000 | $285,000 | $62,000 | $173,000 |
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 | 113 | $5,671,000 | $50,000 | $285,000 | $59,000 | $218,000 |
| American Indian or Alaskan Native | 14 | $508,000 | $36,000 | $156,000 | $68,000 | $382,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $93,000 | $46,000 | $68,000 | $40,000 | $46,000 |
| Asian | 1 | $16,000 | $16,000 | $16,000 | $30,000 | $30,000 |
| Hispanic | 1 | $10,000 | $10,000 | $10,000 | $8,000 | $8,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 130 | $6,238,000 | $47,000 | $285,000 | $59,000 | $382,000 |
| VA-guaranteed (Veterans Administration) | 1 | $60,000 | $60,000 | $60,000 | $81,000 | $81,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 99 | $4,192,000 | $42,000 | $285,000 | $63,000 | $382,000 |
| Application Denied By Financial Institution | 18 | $1,330,000 | $73,000 | $285,000 | $49,000 | $101,000 |
| Application Withdrawn By Applicant | 9 | $320,000 | $35,000 | $100,000 | $44,000 | $85,000 |
| Application Approved But Not Accepted | 3 | $296,000 | $98,000 | $151,000 | $79,000 | $156,000 |
| Preapproval Denied by Financial Institution | 1 | $80,000 | $80,000 | $80,000 | $25,000 | $25,000 |
| File Closed For Incompleteness | 1 | $80,000 | $80,000 | $80,000 | $1,000 | $1,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 4 | $281,000 | $70,000 | $96,000 | $12,000 | $25,000 |
| Credit History | 3 | $469,000 | $156,000 | $285,000 | $51,000 | $72,000 |
| Employment History | 2 | $109,000 | $54,000 | $75,000 | $62,000 | $101,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $50,000 | $50,000 | $50,000 | $100,000 | $100,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Community Credit Unio's 2012 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.
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