Citizens Community Federal Mortgage Lending & HMDA Data, 2012
In 2012, Citizens Community Federal of Eau Claire, WI reported 907 mortgage applications totaling $83.6 million, down 19% from 2011. The average application was for $92,194, and applicants reported an average income of $54,203. 44% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Eau Claire, WI (324), Minneapolis-St. Paul-Bloomington, MN-WI (84) and Warren-Troy-Farmington Hills, MI (29) (applications in parentheses).
| 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 | $92,194 |
| Highest Mortgage Loan Application Amount | $666,000 |
| Average Applicant Income | $54,203 |
| Highest Applicant Income | $524,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Community Federal filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Eau Claire, Wisconsin | 215 | $ 19,305,000 | $ 89,790 | $ 58,000 |
| Chippewa, Wisconsin | 109 | $ 9,662,000 | $ 88,642 | $ 57,000 |
| Barron, Wisconsin | 42 | $ 3,828,000 | $ 91,142 | $ 59,000 |
| Dunn, Wisconsin | 33 | $ 2,811,000 | $ 85,181 | $ 36,000 |
| Oakland, Michigan | 26 | $ 1,888,000 | $ 72,615 | $ 58,000 |
| Jackson, Wisconsin | 24 | $ 1,275,000 | $ 53,125 | $ 31,000 |
| Buffalo, Wisconsin | 19 | $ 1,880,000 | $ 98,947 | $ 59,000 |
| St. Croix, Wisconsin | 18 | $ 1,837,000 | $ 102,055 | $ 48,000 |
| Trempealeau, Wisconsin | 15 | $ 1,380,000 | $ 92,000 | $ 70,000 |
| Hennepin, Minnesota | 13 | $ 1,303,000 | $ 100,230 | $ 41,000 |
| Portage, Wisconsin | 13 | $ 1,167,000 | $ 89,769 | $ 43,000 |
| Rusk, Wisconsin | 13 | $ 1,070,000 | $ 82,307 | $ 36,000 |
| Wood, Wisconsin | 12 | $ 435,000 | $ 36,250 | $ 28,000 |
| Goodhue, Minnesota | 11 | $ 1,050,000 | $ 95,454 | $ 59,000 |
| Clark, Wisconsin | 11 | $ 1,361,000 | $ 123,727 | $ 38,000 |
| Pepin, Wisconsin | 11 | $ 852,000 | $ 77,454 | $ 49,000 |
| Sauk, Wisconsin | 11 | $ 1,388,000 | $ 126,181 | $ 118,000 |
| Sawyer, Wisconsin | 11 | $ 1,029,000 | $ 93,545 | $ 78,000 |
| Dakota, Minnesota | 10 | $ 2,097,000 | $ 209,700 | $ 83,000 |
| McLeod, Minnesota | 10 | $ 972,000 | $ 97,200 | $ 30,000 |
| Rice, Minnesota | 9 | $ 1,077,000 | $ 119,666 | $ 63,000 |
| Outagamie, Wisconsin | 9 | $ 1,217,000 | $ 135,222 | $ 42,000 |
| Anoka, Minnesota | 8 | $ 1,005,000 | $ 125,625 | $ 71,000 |
| Ramsey, Minnesota | 8 | $ 952,000 | $ 119,000 | $ 73,000 |
| Blue Earth, Minnesota | 7 | $ 379,000 | $ 54,142 | $ 40,000 |
| Washington, Minnesota | 7 | $ 821,000 | $ 117,285 | $ 71,000 |
| Monroe, Wisconsin | 7 | $ 213,000 | $ 30,428 | $ 63,000 |
| Washburn, Wisconsin | 7 | $ 537,000 | $ 76,714 | $ 65,000 |
| Winnebago, Wisconsin | 7 | $ 430,000 | $ 61,428 | $ 26,000 |
| Scott, Minnesota | 6 | $ 737,000 | $ 122,833 | $ 82,000 |
| Wabasha, Minnesota | 6 | $ 679,000 | $ 113,166 | $ 81,000 |
| Brown, Wisconsin | 6 | $ 1,181,000 | $ 196,833 | $ 72,000 |
| Douglas, Wisconsin | 6 | $ 519,000 | $ 86,500 | $ 30,000 |
| Taylor, Wisconsin | 6 | $ 562,000 | $ 93,666 | $ 57,000 |
| Olmsted, Minnesota | 5 | $ 354,000 | $ 70,800 | $ 118,000 |
| Wright, Minnesota | 5 | $ 592,000 | $ 118,400 | $ 68,000 |
| Adams, Wisconsin | 5 | $ 471,000 | $ 94,200 | $ 11,000 |
| Burnett, Wisconsin | 5 | $ 208,000 | $ 41,600 | $ 37,000 |
| Fond du Lac, Wisconsin | 5 | $ 336,000 | $ 67,200 | $ 35,000 |
| Juneau, Wisconsin | 5 | $ 528,000 | $ 105,600 | $ 56,000 |
| La Crosse, Wisconsin | 5 | $ 878,000 | $ 175,600 | $ 39,000 |
| Pierce, Wisconsin | 5 | $ 134,000 | $ 26,800 | $ 66,000 |
| Polk, Wisconsin | 5 | $ 591,000 | $ 118,200 | $ 69,000 |
| Shawano, Wisconsin | 5 | $ 270,000 | $ 54,000 | $ 0 |
| Waushara, Wisconsin | 5 | $ 424,000 | $ 84,800 | $ 28,000 |
| St. Louis, Minnesota | 4 | $ 528,000 | $ 132,000 | $ 97,000 |
| Price, Wisconsin | 4 | $ 438,000 | $ 109,500 | $ 57,000 |
| Vilas, Wisconsin | 4 | $ 691,000 | $ 172,750 | $ 23,000 |
| Waupaca, Wisconsin | 4 | $ 155,000 | $ 38,750 | $ 20,000 |
| Morrison, Minnesota | 3 | $ 480,000 | $ 160,000 | $ 44,000 |
| Winona, Minnesota | 3 | $ 235,000 | $ 78,333 | $ 88,000 |
| Marathon, Wisconsin | 3 | $ 206,000 | $ 68,666 | $ 39,000 |
| Milwaukee, Wisconsin | 3 | $ 156,000 | $ 52,000 | $ 38,000 |
| Vernon, Wisconsin | 3 | $ 384,000 | $ 128,000 | $ 20,000 |
| Eaton, Michigan | 2 | $ 155,000 | $ 77,500 | $ 57,000 |
| Jackson, Michigan | 2 | $ 57,000 | $ 28,500 | $ 31,000 |
| Kent, Michigan | 2 | $ 158,000 | $ 79,000 | $ 0 |
| Lapeer, Michigan | 2 | $ 231,000 | $ 115,500 | $ 53,000 |
| Muskegon, Michigan | 2 | $ 249,000 | $ 124,500 | $ 41,000 |
| Becker, Minnesota | 2 | $ 264,000 | $ 132,000 | $ 44,000 |
| Benton, Minnesota | 2 | $ 382,000 | $ 191,000 | $ 39,000 |
| Douglas, Minnesota | 2 | $ 89,000 | $ 44,500 | $ 57,000 |
| Fillmore, Minnesota | 2 | $ 22,000 | $ 11,000 | $ 122,000 |
| Koochiching, Minnesota | 2 | $ 62,000 | $ 31,000 | $ 87,000 |
| Le Sueur, Minnesota | 2 | $ 291,000 | $ 145,500 | $ 83,000 |
| Mille Lacs, Minnesota | 2 | $ 120,000 | $ 60,000 | $ 73,000 |
| Mower, Minnesota | 2 | $ 148,000 | $ 74,000 | $ 25,000 |
| Nicollet, Minnesota | 2 | $ 267,000 | $ 133,500 | $ 90,000 |
| Pine, Minnesota | 2 | $ 174,000 | $ 87,000 | $ 85,000 |
| Stearns, Minnesota | 2 | $ 140,000 | $ 70,000 | $ 60,000 |
| Todd, Minnesota | 2 | $ 158,000 | $ 79,000 | $ 21,000 |
| Watonwan, Minnesota | 2 | $ 37,000 | $ 18,500 | $ 57,000 |
| Crawford, Wisconsin | 2 | $ 361,000 | $ 180,500 | $ 141,000 |
| Dane, Wisconsin | 2 | $ 295,000 | $ 147,500 | $ 67,000 |
| Green Lake, Wisconsin | 2 | $ 159,000 | $ 79,500 | $ 38,000 |
| Jefferson, Wisconsin | 2 | $ 463,000 | $ 231,500 | $ 214,000 |
| Manitowoc, Wisconsin | 2 | $ 154,000 | $ 77,000 | $ 46,000 |
| Marinette, Wisconsin | 2 | $ 95,000 | $ 47,500 | $ 25,000 |
| Marquette, Wisconsin | 2 | $ 211,000 | $ 105,500 | $ 19,000 |
| Bay, Michigan | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Cass, Michigan | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Gogebic, Michigan | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Macomb, Michigan | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Wayne, Michigan | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Aitkin, Minnesota | 1 | $ 45,000 | $ 45,000 | $ 53,000 |
| Beltrami, Minnesota | 1 | $ 95,000 | $ 95,000 | $ 64,000 |
| Carver, Minnesota | 1 | $ 28,000 | $ 28,000 | $ 38,000 |
| Cass, Minnesota | 1 | $ 39,000 | $ 39,000 | $ 194,000 |
| Chisago, Minnesota | 1 | $ 131,000 | $ 131,000 | $ 73,000 |
| Cottonwood, Minnesota | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Faribault, Minnesota | 1 | $ 62,000 | $ 62,000 | $ 55,000 |
| Freeborn, Minnesota | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Isanti, Minnesota | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Itasca, Minnesota | 1 | $ 77,000 | $ 77,000 | $ 62,000 |
| Kanabec, Minnesota | 1 | $ 112,000 | $ 112,000 | $ 78,000 |
| Kandiyohi, Minnesota | 1 | $ 305,000 | $ 305,000 | $ 300,000 |
| Lyon, Minnesota | 1 | $ 92,000 | $ 92,000 | $ 125,000 |
| Meeker, Minnesota | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Otter Tail, Minnesota | 1 | $ 95,000 | $ 95,000 | $ 68,000 |
| Pennington, Minnesota | 1 | $ 152,000 | $ 152,000 | $ 61,000 |
| Redwood, Minnesota | 1 | $ 118,000 | $ 118,000 | $ 36,000 |
| Renville, Minnesota | 1 | $ 99,000 | $ 99,000 | $ 107,000 |
| Rock, Minnesota | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Sherburne, Minnesota | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Sibley, Minnesota | 1 | $ 31,000 | $ 31,000 | $ 79,000 |
| Steele, Minnesota | 1 | $ 8,000 | $ 8,000 | $ 0 |
| Waseca, Minnesota | 1 | $ 11,000 | $ 11,000 | $ 44,000 |
| Ashland, Wisconsin | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Dodge, Wisconsin | 1 | $ 226,000 | $ 226,000 | $ 109,000 |
| Grant, Wisconsin | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Kewaunee, Wisconsin | 1 | $ 43,000 | $ 43,000 | $ 77,000 |
| Oconto, Wisconsin | 1 | $ 104,000 | $ 104,000 | $ 97,000 |
| Oneida, Wisconsin | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Ozaukee, Wisconsin | 1 | $ 173,000 | $ 173,000 | $ 27,000 |
| Sheboygan, Wisconsin | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Walworth, Wisconsin | 1 | $ 86,000 | $ 86,000 | $ 24,000 |
| Waukesha, 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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