Citizens Community Federal
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Citizens Community Federal 2012 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 | 907 |
| Total Mortgage Loan Application Amount | $83,620,000 |
| Average Mortgage Loan Application Amount | $78,333 |
| Highest Mortgage Loan Application Amount | $666,000 |
| Average Applicant Income | $54,333 |
| Highest Applicant Income | $524,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 215 | $ 19,305,000 | $ 89,000 | $ 58,000 |
| Chippewa County Wisconsin | 109 | $ 9,662,000 | $ 88,000 | $ 57,000 |
| Barron County Wisconsin | 42 | $ 3,828,000 | $ 91,000 | $ 59,000 |
| Dunn County Wisconsin | 33 | $ 2,811,000 | $ 85,000 | $ 36,000 |
| Oakland County Michigan | 26 | $ 1,888,000 | $ 72,000 | $ 58,000 |
| Jackson County Wisconsin | 24 | $ 1,275,000 | $ 53,000 | $ 31,000 |
| Buffalo County Wisconsin | 19 | $ 1,880,000 | $ 98,000 | $ 59,000 |
| St. Croix County Wisconsin | 18 | $ 1,837,000 | $ 102,000 | $ 48,000 |
| Trempealeau County Wisconsin | 15 | $ 1,380,000 | $ 92,000 | $ 70,000 |
| Hennepin County Minnesota | 13 | $ 1,303,000 | $ 100,000 | $ 41,000 |
| Portage County Wisconsin | 13 | $ 1,167,000 | $ 89,000 | $ 43,000 |
| Rusk County Wisconsin | 13 | $ 1,070,000 | $ 82,000 | $ 36,000 |
| Wood County Wisconsin | 12 | $ 435,000 | $ 36,000 | $ 28,000 |
| Goodhue County Minnesota | 11 | $ 1,050,000 | $ 95,000 | $ 59,000 |
| Clark County Wisconsin | 11 | $ 1,361,000 | $ 123,000 | $ 38,000 |
| Pepin County Wisconsin | 11 | $ 852,000 | $ 77,000 | $ 49,000 |
| Sauk County Wisconsin | 11 | $ 1,388,000 | $ 126,000 | $ 118,000 |
| Sawyer County Wisconsin | 11 | $ 1,029,000 | $ 93,000 | $ 78,000 |
| Dakota County Minnesota | 10 | $ 2,097,000 | $ 209,000 | $ 83,000 |
| McLeod County Minnesota | 10 | $ 972,000 | $ 97,000 | $ 30,000 |
| Rice County Minnesota | 9 | $ 1,077,000 | $ 119,000 | $ 63,000 |
| Outagamie County Wisconsin | 9 | $ 1,217,000 | $ 135,000 | $ 42,000 |
| Anoka County Minnesota | 8 | $ 1,005,000 | $ 125,000 | $ 71,000 |
| Ramsey County Minnesota | 8 | $ 952,000 | $ 119,000 | $ 73,000 |
| Blue Earth County Minnesota | 7 | $ 379,000 | $ 54,000 | $ 40,000 |
| Washington County Minnesota | 7 | $ 821,000 | $ 117,000 | $ 71,000 |
| Monroe County Wisconsin | 7 | $ 213,000 | $ 30,000 | $ 63,000 |
| Washburn County Wisconsin | 7 | $ 537,000 | $ 76,000 | $ 65,000 |
| Winnebago County Wisconsin | 7 | $ 430,000 | $ 61,000 | $ 26,000 |
| Scott County Minnesota | 6 | $ 737,000 | $ 122,000 | $ 82,000 |
| Wabasha County Minnesota | 6 | $ 679,000 | $ 113,000 | $ 81,000 |
| Brown County Wisconsin | 6 | $ 1,181,000 | $ 196,000 | $ 72,000 |
| Douglas County Wisconsin | 6 | $ 519,000 | $ 86,000 | $ 30,000 |
| Taylor County Wisconsin | 6 | $ 562,000 | $ 93,000 | $ 57,000 |
| Olmsted County Minnesota | 5 | $ 354,000 | $ 70,000 | $ 118,000 |
| Wright County Minnesota | 5 | $ 592,000 | $ 118,000 | $ 68,000 |
| Adams County Wisconsin | 5 | $ 471,000 | $ 94,000 | $ 11,000 |
| Burnett County Wisconsin | 5 | $ 208,000 | $ 41,000 | $ 37,000 |
| Fond du Lac County Wisconsin | 5 | $ 336,000 | $ 67,000 | $ 35,000 |
| Juneau County Wisconsin | 5 | $ 528,000 | $ 105,000 | $ 56,000 |
| La Crosse County Wisconsin | 5 | $ 878,000 | $ 175,000 | $ 39,000 |
| Pierce County Wisconsin | 5 | $ 134,000 | $ 26,000 | $ 66,000 |
| Polk County Wisconsin | 5 | $ 591,000 | $ 118,000 | $ 69,000 |
| Shawano County Wisconsin | 5 | $ 270,000 | $ 54,000 | $ 0 |
| Waushara County Wisconsin | 5 | $ 424,000 | $ 84,000 | $ 28,000 |
| St. Louis County Minnesota | 4 | $ 528,000 | $ 132,000 | $ 97,000 |
| Price County Wisconsin | 4 | $ 438,000 | $ 109,000 | $ 57,000 |
| Vilas County Wisconsin | 4 | $ 691,000 | $ 172,000 | $ 23,000 |
| Waupaca County Wisconsin | 4 | $ 155,000 | $ 38,000 | $ 20,000 |
| Morrison County Minnesota | 3 | $ 480,000 | $ 160,000 | $ 44,000 |
| Winona County Minnesota | 3 | $ 235,000 | $ 78,000 | $ 88,000 |
| Marathon County Wisconsin | 3 | $ 206,000 | $ 68,000 | $ 39,000 |
| Milwaukee County Wisconsin | 3 | $ 156,000 | $ 52,000 | $ 38,000 |
| Vernon County Wisconsin | 3 | $ 384,000 | $ 128,000 | $ 20,000 |
| Eaton County Michigan | 2 | $ 155,000 | $ 77,000 | $ 57,000 |
| Jackson County Michigan | 2 | $ 57,000 | $ 28,000 | $ 31,000 |
| Kent County Michigan | 2 | $ 158,000 | $ 79,000 | $ 0 |
| Lapeer County Michigan | 2 | $ 231,000 | $ 115,000 | $ 53,000 |
| Muskegon County Michigan | 2 | $ 249,000 | $ 124,000 | $ 41,000 |
| Becker County Minnesota | 2 | $ 264,000 | $ 132,000 | $ 44,000 |
| Benton County Minnesota | 2 | $ 382,000 | $ 191,000 | $ 39,000 |
| Douglas County Minnesota | 2 | $ 89,000 | $ 44,000 | $ 57,000 |
| Fillmore County Minnesota | 2 | $ 22,000 | $ 11,000 | $ 122,000 |
| Koochiching County Minnesota | 2 | $ 62,000 | $ 31,000 | $ 87,000 |
| Le Sueur County Minnesota | 2 | $ 291,000 | $ 145,000 | $ 83,000 |
| Mille Lacs County Minnesota | 2 | $ 120,000 | $ 60,000 | $ 73,000 |
| Mower County Minnesota | 2 | $ 148,000 | $ 74,000 | $ 25,000 |
| Nicollet County Minnesota | 2 | $ 267,000 | $ 133,000 | $ 90,000 |
| Pine County Minnesota | 2 | $ 174,000 | $ 87,000 | $ 85,000 |
| Stearns County Minnesota | 2 | $ 140,000 | $ 70,000 | $ 60,000 |
| Todd County Minnesota | 2 | $ 158,000 | $ 79,000 | $ 21,000 |
| Watonwan County Minnesota | 2 | $ 37,000 | $ 18,000 | $ 57,000 |
| Crawford County Wisconsin | 2 | $ 361,000 | $ 180,000 | $ 141,000 |
| Dane County Wisconsin | 2 | $ 295,000 | $ 147,000 | $ 67,000 |
| Green Lake County Wisconsin | 2 | $ 159,000 | $ 79,000 | $ 38,000 |
| Jefferson County Wisconsin | 2 | $ 463,000 | $ 231,000 | $ 214,000 |
| Manitowoc County Wisconsin | 2 | $ 154,000 | $ 77,000 | $ 46,000 |
| Marinette County Wisconsin | 2 | $ 95,000 | $ 47,000 | $ 25,000 |
| Marquette County Wisconsin | 2 | $ 211,000 | $ 105,000 | $ 19,000 |
| Bay County Michigan | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Cass County Michigan | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Gogebic County Michigan | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Macomb County Michigan | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Wayne County Michigan | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Aitkin County Minnesota | 1 | $ 45,000 | $ 45,000 | $ 53,000 |
| Beltrami County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 64,000 |
| Carver County Minnesota | 1 | $ 28,000 | $ 28,000 | $ 38,000 |
| Cass County Minnesota | 1 | $ 39,000 | $ 39,000 | $ 194,000 |
| Chisago County Minnesota | 1 | $ 131,000 | $ 131,000 | $ 73,000 |
| Cottonwood County Minnesota | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Faribault County Minnesota | 1 | $ 62,000 | $ 62,000 | $ 55,000 |
| Freeborn County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Isanti County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Itasca County Minnesota | 1 | $ 77,000 | $ 77,000 | $ 62,000 |
| Kanabec County Minnesota | 1 | $ 112,000 | $ 112,000 | $ 78,000 |
| Kandiyohi County Minnesota | 1 | $ 305,000 | $ 305,000 | $ 300,000 |
| Lyon County Minnesota | 1 | $ 92,000 | $ 92,000 | $ 125,000 |
| Meeker County Minnesota | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Otter Tail County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 68,000 |
| Pennington County Minnesota | 1 | $ 152,000 | $ 152,000 | $ 61,000 |
| Redwood County Minnesota | 1 | $ 118,000 | $ 118,000 | $ 36,000 |
| Renville County Minnesota | 1 | $ 99,000 | $ 99,000 | $ 107,000 |
| Rock County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Sherburne County Minnesota | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Sibley County Minnesota | 1 | $ 31,000 | $ 31,000 | $ 79,000 |
| Steele County Minnesota | 1 | $ 8,000 | $ 8,000 | $ 0 |
| Waseca County Minnesota | 1 | $ 11,000 | $ 11,000 | $ 44,000 |
| Ashland County Wisconsin | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Dodge County Wisconsin | 1 | $ 226,000 | $ 226,000 | $ 109,000 |
| Grant County Wisconsin | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Kewaunee County Wisconsin | 1 | $ 43,000 | $ 43,000 | $ 77,000 |
| Oconto County Wisconsin | 1 | $ 104,000 | $ 104,000 | $ 97,000 |
| Oneida County Wisconsin | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Ozaukee County Wisconsin | 1 | $ 173,000 | $ 173,000 | $ 27,000 |
| Sheboygan County Wisconsin | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Walworth County Wisconsin | 1 | $ 86,000 | $ 86,000 | $ 24,000 |
| Waukesha County Wisconsin | 1 | $ 167,000 | $ 167,000 | $ 0 |
Mortgage Loan Application Detail Totals for Citizens Community Federal 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 |
|---|---|---|---|---|---|---|
| Refinancing | 590 | $65,506,000 | $111,000 | $666,000 | $54,000 | $428,000 |
| Home Improvement | 185 | $5,942,000 | $32,000 | $400,000 | $55,000 | $524,000 |
| Home Purchase | 132 | $12,172,000 | $92,000 | $433,000 | $54,000 | $429,000 |
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 | 777 | $71,584,000 | $92,000 | $461,000 | $58,000 | $524,000 |
| Not Provided | 96 | $8,816,000 | $91,000 | $467,000 | $31,000 | $150,000 |
| Not applicable | 11 | $1,584,000 | $144,000 | $666,000 | $0 | $0 |
| American Indian or Alaskan Native | 9 | $467,000 | $51,000 | $150,000 | $43,000 | $107,000 |
| Hispanic | 6 | $532,000 | $88,000 | $120,000 | $29,000 | $106,000 |
| Asian | 4 | $315,000 | $78,000 | $142,000 | $67,000 | $112,000 |
| Black or African American | 3 | $252,000 | $84,000 | $115,000 | $119,000 | $224,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $70,000 | $70,000 | $70,000 | $36,000 | $36,000 |
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) | 907 | $83,620,000 | $92,000 | $666,000 | $55,000 | $524,000 |
| 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 | 399 | $34,616,000 | $86,000 | $666,000 | $80,000 | $334,000 |
| Application Denied By Financial Institution | 232 | $21,151,000 | $91,000 | $400,000 | $30,000 | $524,000 |
| Application Withdrawn By Applicant | 127 | $13,396,000 | $105,000 | $467,000 | $1,000 | $94,000 |
| Application Approved But Not Accepted | 103 | $9,961,000 | $96,000 | $399,000 | $100,000 | $429,000 |
| File Closed For Incompleteness | 39 | $3,964,000 | $101,000 | $461,000 | $2,000 | $95,000 |
| Preapproval Denied by Financial Institution | 7 | $532,000 | $76,000 | $110,000 | $11,000 | $43,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 124 | $9,879,000 | $79,000 | $322,000 | $12,000 | $524,000 |
| Debt-To-Income Ratio | 68 | $6,148,000 | $90,000 | $260,000 | $48,000 | $189,000 |
| Collateral | 43 | $5,281,000 | $122,000 | $400,000 | $49,000 | $171,000 |
| Other | 4 | $375,000 | $93,000 | $134,000 | $22,000 | $73,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Community Federal'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 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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