Citizens Community Federal
HMDA Loan Application Totals
and Mortgage Lending Details
for 2011
Citizens Community Federal 2011 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Citizens Community Federal 2174 Eastridge Center Eau Claire, WI 54701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,126 |
| Total Mortgage Loan Application Amount | $122,793,000 |
| Average Mortgage Loan Application Amount | $80,666 |
| Highest Mortgage Loan Application Amount | $1,300,000 |
| Average Applicant Income | $57,333 |
| Highest Applicant Income | $636,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2011 with Citizens Community Federal. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Citizens Community Federal's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2011 breaks down Citizens Community Federal's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Citizens Community Federal serves its applicants.
Each category highlights the total number of mortgage applications processed by Citizens Community Federal, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Citizens Community Federal's mortgage activity for 2011.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Eau Claire County Wisconsin | 280 | $ 26,849,000 | $ 95,000 | $ 62,000 |
| Chippewa County Wisconsin | 131 | $ 12,131,000 | $ 92,000 | $ 50,000 |
| Dunn County Wisconsin | 43 | $ 4,574,000 | $ 106,000 | $ 56,000 |
| Buffalo County Wisconsin | 36 | $ 3,560,000 | $ 98,000 | $ 56,000 |
| Barron County Wisconsin | 34 | $ 3,292,000 | $ 96,000 | $ 69,000 |
| Rice County Minnesota | 27 | $ 2,902,000 | $ 107,000 | $ 46,000 |
| Goodhue County Minnesota | 24 | $ 2,965,000 | $ 123,000 | $ 64,000 |
| Blue Earth County Minnesota | 21 | $ 2,193,000 | $ 104,000 | $ 53,000 |
| Oakland County Michigan | 20 | $ 2,332,000 | $ 116,000 | $ 44,000 |
| Hennepin County Minnesota | 20 | $ 3,727,000 | $ 186,000 | $ 41,000 |
| Anoka County Minnesota | 18 | $ 2,970,000 | $ 165,000 | $ 51,000 |
| McLeod County Minnesota | 18 | $ 1,484,000 | $ 82,000 | $ 39,000 |
| Winona County Minnesota | 17 | $ 1,464,000 | $ 86,000 | $ 50,000 |
| Jackson County Wisconsin | 17 | $ 1,078,000 | $ 63,000 | $ 48,000 |
| Sauk County Wisconsin | 16 | $ 2,339,000 | $ 146,000 | $ 47,000 |
| Washington County Minnesota | 15 | $ 2,230,000 | $ 148,000 | $ 106,000 |
| Trempealeau County Wisconsin | 15 | $ 2,269,000 | $ 151,000 | $ 77,000 |
| Le Sueur County Minnesota | 14 | $ 1,717,000 | $ 122,000 | $ 57,000 |
| Washburn County Wisconsin | 14 | $ 1,522,000 | $ 108,000 | $ 43,000 |
| Pepin County Wisconsin | 13 | $ 1,469,000 | $ 113,000 | $ 57,000 |
| Polk County Wisconsin | 13 | $ 1,751,000 | $ 134,000 | $ 73,000 |
| Dakota County Minnesota | 12 | $ 2,067,000 | $ 172,000 | $ 46,000 |
| La Crosse County Wisconsin | 12 | $ 1,751,000 | $ 145,000 | $ 35,000 |
| Pierce County Wisconsin | 12 | $ 1,217,000 | $ 101,000 | $ 69,000 |
| Portage County Wisconsin | 12 | $ 1,262,000 | $ 105,000 | $ 53,000 |
| Rusk County Wisconsin | 11 | $ 879,000 | $ 79,000 | $ 64,000 |
| Nicollet County Minnesota | 10 | $ 1,404,000 | $ 140,000 | $ 25,000 |
| Shawano County Wisconsin | 10 | $ 785,000 | $ 78,000 | $ 41,000 |
| Wabasha County Minnesota | 9 | $ 774,000 | $ 86,000 | $ 102,000 |
| St. Croix County Wisconsin | 8 | $ 1,010,000 | $ 126,000 | $ 76,000 |
| Ramsey County Minnesota | 7 | $ 1,253,000 | $ 179,000 | $ 63,000 |
| Clark County Wisconsin | 7 | $ 959,000 | $ 137,000 | $ 51,000 |
| Juneau County Wisconsin | 7 | $ 486,000 | $ 69,000 | $ 43,000 |
| Outagamie County Wisconsin | 7 | $ 863,000 | $ 123,000 | $ 88,000 |
| Richland County Wisconsin | 7 | $ 917,000 | $ 131,000 | $ 79,000 |
| Scott County Minnesota | 6 | $ 992,000 | $ 165,000 | $ 74,000 |
| Burnett County Wisconsin | 6 | $ 540,000 | $ 90,000 | $ 29,000 |
| Wood County Wisconsin | 6 | $ 459,000 | $ 76,000 | $ 47,000 |
| Faribault County Minnesota | 5 | $ 219,000 | $ 43,000 | $ 32,000 |
| Olmsted County Minnesota | 5 | $ 276,000 | $ 55,000 | $ 55,000 |
| St. Louis County Minnesota | 5 | $ 756,000 | $ 151,000 | $ 81,000 |
| Adams County Wisconsin | 5 | $ 476,000 | $ 95,000 | $ 68,000 |
| Marathon County Wisconsin | 5 | $ 575,000 | $ 115,000 | $ 57,000 |
| Monroe County Wisconsin | 5 | $ 337,000 | $ 67,000 | $ 76,000 |
| Winnebago County Wisconsin | 5 | $ 491,000 | $ 98,000 | $ 64,000 |
| Freeborn County Minnesota | 4 | $ 371,000 | $ 92,000 | $ 36,000 |
| Pine County Minnesota | 4 | $ 633,000 | $ 158,000 | $ 119,000 |
| Watonwan County Minnesota | 4 | $ 641,000 | $ 160,000 | $ 75,000 |
| Wright County Minnesota | 4 | $ 791,000 | $ 197,000 | $ 44,000 |
| Ashland County Wisconsin | 4 | $ 572,000 | $ 143,000 | $ 65,000 |
| Sawyer County Wisconsin | 4 | $ 1,171,000 | $ 292,000 | $ 36,000 |
| Taylor County Wisconsin | 4 | $ 311,000 | $ 77,000 | $ 39,000 |
| Waupaca County Wisconsin | 4 | $ 362,000 | $ 90,000 | $ 56,000 |
| Cottonwood County Minnesota | 3 | $ 190,000 | $ 63,000 | $ 0 |
| Dodge County Minnesota | 3 | $ 391,000 | $ 130,000 | $ 32,000 |
| Jackson County Minnesota | 3 | $ 170,000 | $ 56,000 | $ 85,000 |
| Martin County Minnesota | 3 | $ 289,000 | $ 96,000 | $ 11,000 |
| Sherburne County Minnesota | 3 | $ 672,000 | $ 224,000 | $ 19,000 |
| Douglas County Wisconsin | 3 | $ 472,000 | $ 157,000 | $ 121,000 |
| Grant County Wisconsin | 3 | $ 249,000 | $ 83,000 | $ 38,000 |
| Jefferson County Wisconsin | 3 | $ 468,000 | $ 156,000 | $ 40,000 |
| Waukesha County Wisconsin | 3 | $ 847,000 | $ 282,000 | $ 118,000 |
| Genesee County Michigan | 2 | $ 112,000 | $ 56,000 | $ 78,000 |
| Gogebic County Michigan | 2 | $ 156,000 | $ 78,000 | $ 25,000 |
| Wayne County Michigan | 2 | $ 75,000 | $ 37,000 | $ 51,000 |
| Carver County Minnesota | 2 | $ 266,000 | $ 133,000 | $ 12,000 |
| Chisago County Minnesota | 2 | $ 445,000 | $ 222,000 | $ 60,000 |
| Clearwater County Minnesota | 2 | $ 209,000 | $ 104,000 | $ 26,000 |
| Fillmore County Minnesota | 2 | $ 152,000 | $ 76,000 | $ 0 |
| Isanti County Minnesota | 2 | $ 166,000 | $ 83,000 | $ 55,000 |
| Itasca County Minnesota | 2 | $ 221,000 | $ 110,000 | $ 77,000 |
| Meeker County Minnesota | 2 | $ 264,000 | $ 132,000 | $ 47,000 |
| Sibley County Minnesota | 2 | $ 408,000 | $ 204,000 | $ 43,000 |
| Stearns County Minnesota | 2 | $ 202,000 | $ 101,000 | $ 121,000 |
| Steele County Minnesota | 2 | $ 215,000 | $ 107,000 | $ 0 |
| Waseca County Minnesota | 2 | $ 144,000 | $ 72,000 | $ 99,000 |
| Bayfield County Wisconsin | 2 | $ 128,000 | $ 64,000 | $ 41,000 |
| Dane County Wisconsin | 2 | $ 275,000 | $ 137,000 | $ 108,000 |
| Fond du Lac County Wisconsin | 2 | $ 395,000 | $ 197,000 | $ 74,000 |
| Marquette County Wisconsin | 2 | $ 295,000 | $ 147,000 | $ 30,000 |
| Menominee County Wisconsin | 2 | $ 307,000 | $ 153,000 | $ 49,000 |
| Oneida County Wisconsin | 2 | $ 369,000 | $ 184,000 | $ 75,000 |
| Price County Wisconsin | 2 | $ 126,000 | $ 63,000 | $ 47,000 |
| Vernon County Wisconsin | 2 | $ 147,000 | $ 73,000 | $ 100,000 |
| Walworth County Wisconsin | 2 | $ 157,000 | $ 78,000 | $ 36,000 |
| Barry County Michigan | 1 | $ 70,000 | $ 70,000 | $ 91,000 |
| Ionia County Michigan | 1 | $ 5,000 | $ 5,000 | $ 85,000 |
| Lapeer County Michigan | 1 | $ 124,000 | $ 124,000 | $ 56,000 |
| Newaygo County Michigan | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Ontonagon County Michigan | 1 | $ 39,000 | $ 39,000 | $ 85,000 |
| Carlton County Minnesota | 1 | $ 52,000 | $ 52,000 | $ 57,000 |
| Cass County Minnesota | 1 | $ 72,000 | $ 72,000 | $ 69,000 |
| Chippewa County Minnesota | 1 | $ 106,000 | $ 106,000 | $ 188,000 |
| Kanabec County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 26,000 |
| Lake County Minnesota | 1 | $ 326,000 | $ 326,000 | $ 0 |
| Morrison County Minnesota | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Mower County Minnesota | 1 | $ 94,000 | $ 94,000 | $ 91,000 |
| Otter Tail County Minnesota | 1 | $ 104,000 | $ 104,000 | $ 103,000 |
| Redwood County Minnesota | 1 | $ 26,000 | $ 26,000 | $ 51,000 |
| Renville County Minnesota | 1 | $ 140,000 | $ 140,000 | $ 29,000 |
| Todd County Minnesota | 1 | $ 196,000 | $ 196,000 | $ 162,000 |
| Yellow Medicine County Minnesota | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Brown County Wisconsin | 1 | $ 70,000 | $ 70,000 | $ 50,000 |
| Calumet County Wisconsin | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Columbia County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 82,000 |
| Crawford County Wisconsin | 1 | $ 194,000 | $ 194,000 | $ 66,000 |
| Florence County Wisconsin | 1 | $ 197,000 | $ 197,000 | $ 144,000 |
| Green County Wisconsin | 1 | $ 303,000 | $ 303,000 | $ 0 |
| Green Lake County Wisconsin | 1 | $ 256,000 | $ 256,000 | $ 97,000 |
| Iowa County Wisconsin | 1 | $ 11,000 | $ 11,000 | $ 33,000 |
| Iron County Wisconsin | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Kenosha County Wisconsin | 1 | $ 159,000 | $ 159,000 | $ 103,000 |
| Lincoln County Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Marinette County Wisconsin | 1 | $ 8,000 | $ 8,000 | $ 0 |
| Washington County Wisconsin | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Waushara County Wisconsin | 1 | $ 122,000 | $ 122,000 | $ 88,000 |
Mortgage Loan Application Detail Totals for Citizens Community Federal 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 |
|---|---|---|---|---|---|---|
| Refinancing | 949 | $111,696,000 | $117,000 | $1,300,000 | $57,000 | $636,000 |
| Home Improvement | 89 | $3,776,000 | $42,000 | $441,000 | $59,000 | $231,000 |
| Home Purchase | 88 | $7,321,000 | $83,000 | $490,000 | $56,000 | $218,000 |
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 | 971 | $104,503,000 | $107,000 | $1,300,000 | $56,000 | $387,000 |
| Not Provided | 117 | $14,139,000 | $120,000 | $326,000 | $62,000 | $287,000 |
| Hispanic | 19 | $2,720,000 | $143,000 | $431,000 | $106,000 | $636,000 |
| American Indian or Alaskan Native | 9 | $602,000 | $66,000 | $160,000 | $34,000 | $119,000 |
| Not applicable | 5 | $341,000 | $68,000 | $85,000 | $0 | $0 |
| Black or African American | 3 | $240,000 | $80,000 | $170,000 | $39,000 | $66,000 |
| Asian | 2 | $248,000 | $124,000 | $130,000 | $82,000 | $122,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,126 | $122,793,000 | $109,000 | $1,300,000 | $57,000 | $636,000 |
| 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 |
| 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 | 568 | $55,714,000 | $98,000 | $441,000 | $78,000 | $387,000 |
| Application Denied By Financial Institution | 353 | $44,104,000 | $124,000 | $1,300,000 | $30,000 | $636,000 |
| Application Approved But Not Accepted | 106 | $11,215,000 | $105,000 | $320,000 | $85,000 | $287,000 |
| File Closed For Incompleteness | 63 | $8,211,000 | $130,000 | $360,000 | $4,000 | $214,000 |
| Application Withdrawn By Applicant | 36 | $3,549,000 | $98,000 | $265,000 | $2,000 | $78,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 122 | $17,729,000 | $145,000 | $431,000 | $39,000 | $636,000 |
| Credit History | 116 | $11,890,000 | $102,000 | $500,000 | $3,000 | $113,000 |
| Debt-To-Income Ratio | 94 | $10,635,000 | $113,000 | $668,000 | $56,000 | $184,000 |
| Other | 15 | $3,190,000 | $212,000 | $1,300,000 | $12,000 | $71,000 |
| Unverifiable Information | 5 | $522,000 | $104,000 | $182,000 | $0 | $0 |
| Employment History | 1 | $138,000 | $138,000 | $138,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 Federal'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 Federal'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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