Citizens Community Federal N.A. Mortgage Lending & HMDA Data, 2019
In 2019, Citizens Community Federal N.A. of Altoona, WI reported 970 mortgage applications totaling $208.6 million, up 50% from 2018. The average application was for $215,010, and applicants reported an average income of $93,556. 71% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Eau Claire, WI (318), Mankato-North Mankato, MN (95) and Minneapolis-St. Paul-Bloomington, MN-WI (89) (applications in parentheses).
| Mortgage Company & Address | Citizens Community Federal N.A. 219 Fairfax Street Altoona, WI 54720 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 970 |
| Total Mortgage Loan Application Amount | $208,560,000 |
| Average Mortgage Loan Application Amount | $215,010 |
| Highest Mortgage Loan Application Amount | $14,505,000 |
| Average Applicant Income | $93,556 |
| Highest Applicant Income | $1,782,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Community Federal N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 224 | $ 48,850,000 | $ 218,080 | $ 103,000 |
| Chippewa, Wisconsin | 94 | $ 19,670,000 | $ 209,255 | $ 100,000 |
| Barron, Wisconsin | 77 | $ 12,335,000 | $ 160,194 | $ 121,000 |
| Blue Earth, Minnesota | 68 | $ 19,230,000 | $ 282,794 | $ 77,000 |
| Washburn, Wisconsin | 46 | $ 7,730,000 | $ 168,043 | $ 113,000 |
| Faribault, Minnesota | 38 | $ 2,680,000 | $ 70,526 | $ 49,000 |
| Trempealeau, Wisconsin | 32 | $ 4,520,000 | $ 141,250 | $ 70,000 |
| Nicollet, Minnesota | 27 | $ 4,205,000 | $ 155,740 | $ 71,000 |
| Martin, Minnesota | 26 | $ 2,840,000 | $ 109,230 | $ 65,000 |
| Dunn, Wisconsin | 23 | $ 3,515,000 | $ 152,826 | $ 92,000 |
| Monroe, Wisconsin | 23 | $ 3,155,000 | $ 137,173 | $ 75,000 |
| Pierce, Wisconsin | 23 | $ 4,225,000 | $ 183,695 | $ 99,000 |
| Rusk, Wisconsin | 21 | $ 2,485,000 | $ 118,333 | $ 71,000 |
| Freeborn, Minnesota | 20 | $ 1,850,000 | $ 92,500 | $ 47,000 |
| Buffalo, Wisconsin | 16 | $ 2,340,000 | $ 146,250 | $ 75,000 |
| Sawyer, Wisconsin | 15 | $ 2,795,000 | $ 186,333 | $ 126,000 |
| Watonwan, Minnesota | 14 | $ 1,610,000 | $ 115,000 | $ 77,000 |
| Hennepin, Minnesota | 11 | $ 26,345,000 | $ 2,395,000 | $ 144,000 |
| Jackson, Wisconsin | 11 | $ 1,355,000 | $ 123,181 | $ 64,000 |
| Goodhue, Minnesota | 10 | $ 1,510,000 | $ 151,000 | $ 76,000 |
| Ramsey, Minnesota | 9 | $ 3,835,000 | $ 426,111 | $ 124,000 |
| Washington, Minnesota | 9 | $ 6,285,000 | $ 698,333 | $ 164,000 |
| Dakota, Minnesota | 8 | $ 1,290,000 | $ 161,250 | $ 110,000 |
| Polk, Wisconsin | 8 | $ 1,180,000 | $ 147,500 | $ 99,000 |
| Scott, Minnesota | 7 | $ 1,375,000 | $ 196,428 | $ 165,000 |
| St. Croix, Wisconsin | 7 | $ 1,655,000 | $ 236,428 | $ 77,000 |
| Le Sueur, Minnesota | 6 | $ 1,010,000 | $ 168,333 | $ 90,000 |
| Burnett, Wisconsin | 6 | $ 1,300,000 | $ 216,666 | $ 158,000 |
| Pepin, Wisconsin | 6 | $ 670,000 | $ 111,666 | $ 51,000 |
| Waseca, Minnesota | 5 | $ 715,000 | $ 143,000 | $ 59,000 |
| La Crosse, Wisconsin | 5 | $ 955,000 | $ 191,000 | $ 99,000 |
| Anoka, Minnesota | 4 | $ 630,000 | $ 157,500 | $ 74,000 |
| Otter Tail, Minnesota | 4 | $ 900,000 | $ 225,000 | $ 183,000 |
| Steele, Minnesota | 4 | $ 620,000 | $ 155,000 | $ 59,000 |
| Genesee, Michigan | 3 | $ 475,000 | $ 158,333 | $ 68,000 |
| Oakland, Michigan | 3 | $ 685,000 | $ 228,333 | $ 246,000 |
| Pine, Minnesota | 3 | $ 395,000 | $ 131,666 | $ 39,000 |
| Rice, Minnesota | 3 | $ 555,000 | $ 185,000 | $ 82,000 |
| Price, Wisconsin | 3 | $ 385,000 | $ 128,333 | $ 73,000 |
| Brown, Minnesota | 2 | $ 350,000 | $ 175,000 | $ 59,000 |
| Carver, Minnesota | 2 | $ 460,000 | $ 230,000 | $ 92,000 |
| Dodge, Minnesota | 2 | $ 380,000 | $ 190,000 | $ 43,000 |
| St. Louis, Minnesota | 2 | $ 110,000 | $ 55,000 | $ 102,000 |
| Ashland, Wisconsin | 2 | $ 500,000 | $ 250,000 | $ 100,000 |
| Bayfield, Wisconsin | 2 | $ 190,000 | $ 95,000 | $ 57,000 |
| Dane, Wisconsin | 2 | $ 510,000 | $ 255,000 | $ 95,000 |
| Douglas, Wisconsin | 2 | $ 540,000 | $ 270,000 | $ 114,000 |
| Juneau, Wisconsin | 2 | $ 600,000 | $ 300,000 | $ 124,000 |
| Outagamie, Wisconsin | 2 | $ 850,000 | $ 425,000 | $ 17,000 |
| Maricopa, Arizona | 1 | $ 485,000 | $ 485,000 | $ 215,000 |
| Garfield, Colorado | 1 | $ 425,000 | $ 425,000 | $ 150,000 |
| Gogebic, Michigan | 1 | $ 35,000 | $ 35,000 | $ 83,000 |
| Livingston, Michigan | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Macomb, Michigan | 1 | $ 55,000 | $ 55,000 | $ 198,000 |
| Muskegon, Michigan | 1 | $ 115,000 | $ 115,000 | $ 69,000 |
| Presque Isle, Michigan | 1 | $ 205,000 | $ 205,000 | $ 36,000 |
| Wayne, Michigan | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Aitkin, Minnesota | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
| Cass, Minnesota | 1 | $ 85,000 | $ 85,000 | $ 62,000 |
| Cottonwood, Minnesota | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Isanti, Minnesota | 1 | $ 185,000 | $ 185,000 | $ 110,000 |
| Lyon, Minnesota | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| McLeod, Minnesota | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| Nobles, Minnesota | 1 | $ 125,000 | $ 125,000 | $ 71,000 |
| Renville, Minnesota | 1 | $ 155,000 | $ 155,000 | $ 69,000 |
| Sherburne, Minnesota | 1 | $ 215,000 | $ 215,000 | $ 67,000 |
| Wabasha, Minnesota | 1 | $ 345,000 | $ 345,000 | $ 145,000 |
| Wright, Minnesota | 1 | $ 305,000 | $ 305,000 | $ 138,000 |
| Clark, Wisconsin | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Jefferson, Wisconsin | 1 | $ 345,000 | $ 345,000 | $ 103,000 |
| Manitowoc, Wisconsin | 1 | $ 645,000 | $ 645,000 | $ 526,000 |
| Marathon, Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Oneida, Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 181,000 |
| Racine, Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 40,000 |
| Rock, Wisconsin | 1 | $ 265,000 | $ 265,000 | $ 93,000 |
| Shawano, Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Wood, Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 207,000 |
Mortgage Loan Application Detail Totals for Citizens Community Federal N.A. in 2019
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 | 450 | $107,640,000 | $239,000 | $14,505,000 | $103,000 | $1,782,000 |
| Cash-out Refinancing | 257 | $38,495,000 | $149,000 | $695,000 | $75,000 | $384,000 |
| Refinancing | 247 | $60,535,000 | $245,000 | $10,005,000 | $95,000 | $461,000 |
| Other Purpose | 12 | $1,540,000 | $128,000 | $485,000 | $103,000 | $215,000 |
| Home Improvement | 4 | $350,000 | $87,000 | $165,000 | $106,000 | $232,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 801 | $136,995,000 | $171,000 | $1,005,000 | $93,000 | $1,782,000 |
| Not applicable | 86 | $56,870,000 | $661,000 | $14,505,000 | $0 | $0 |
| Not Provided | 40 | $7,660,000 | $191,000 | $485,000 | $107,000 | $292,000 |
| Hispanic | 21 | $3,095,000 | $147,000 | $415,000 | $80,000 | $230,000 |
| Asian | 12 | $2,550,000 | $212,000 | $435,000 | $92,000 | $224,000 |
| Black or African American | 3 | $595,000 | $198,000 | $385,000 | $121,000 | $270,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $535,000 | $178,000 | $265,000 | $72,000 | $115,000 |
| American Indian or Alaskan Native | 2 | $70,000 | $35,000 | $35,000 | $57,000 | $83,000 |
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) | 916 | $201,230,000 | $219,000 | $14,505,000 | $96,000 | $1,782,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $2,830,000 | $101,000 | $165,000 | $44,000 | $83,000 |
| FHA-insured (Federal Housing Administration) | 17 | $2,545,000 | $149,000 | $235,000 | $65,000 | $117,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,955,000 | $217,000 | $285,000 | $88,000 | $122,000 |
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 | 690 | $163,340,000 | $236,000 | $14,505,000 | $98,000 | $1,782,000 |
| Application Denied By Financial Institution | 133 | $17,135,000 | $128,000 | $1,005,000 | $66,000 | $384,000 |
| Application Withdrawn By Applicant | 118 | $23,390,000 | $198,000 | $695,000 | $98,000 | $400,000 |
| File Closed For Incompleteness | 15 | $2,465,000 | $164,000 | $485,000 | $106,000 | $441,000 |
| Application Approved But Not Accepted | 14 | $2,230,000 | $159,000 | $425,000 | $95,000 | $454,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 837 | $191,425,000 | $228,000 | $14,505,000 | $98,000 | $1,782,000 |
| Credit History | 71 | $8,435,000 | $118,000 | $425,000 | $71,000 | $384,000 |
| Debt-To-Income Ratio | 35 | $4,855,000 | $138,000 | $275,000 | $53,000 | $124,000 |
| Collateral | 20 | $3,160,000 | $158,000 | $1,005,000 | $68,000 | $241,000 |
| Employment History | 4 | $360,000 | $90,000 | $175,000 | $42,000 | $95,000 |
| Other | 3 | $325,000 | $108,000 | $155,000 | $118,000 | $198,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 N.A.'s 2019 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 N.A.'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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