Citizens Bancshares of Woodville, Inc. Mortgage Lending & HMDA Data, 2007
In 2007, Citizens Bancshares of Woodville, Inc. of Hudson, WI reported 863 mortgage applications totaling $150.8 million, down 20% from 2006. The average application was for $174,786, and applicants reported an average income of $84,785. 73% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (547), Eau Claire, WI (56) and St. Cloud, MN (13) (applications in parentheses).
| Mortgage Company & Address | Citizens Bancshares of Woodville, Inc. 375 Stageline Rd Po Box 247 Hudson, WI 54016 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 863 |
| Total Mortgage Loan Application Amount | $150,841,000 |
| Average Mortgage Loan Application Amount | $174,786 |
| Highest Mortgage Loan Application Amount | $1,470,000 |
| Average Applicant Income | $84,785 |
| Highest Applicant Income | $1,728,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Bancshares of Woodville, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| St. Croix, Wisconsin | 127 | $ 19,483,000 | $ 153,409 | $ 71,000 |
| Hennepin, Minnesota | 123 | $ 23,557,000 | $ 191,520 | $ 89,000 |
| Sherburne, Minnesota | 68 | $ 13,365,000 | $ 196,544 | $ 98,000 |
| Anoka, Minnesota | 44 | $ 10,484,000 | $ 238,272 | $ 86,000 |
| Eau Claire, Wisconsin | 41 | $ 5,399,000 | $ 131,682 | $ 67,000 |
| Pierce, Wisconsin | 37 | $ 4,910,000 | $ 132,702 | $ 67,000 |
| Dakota, Minnesota | 36 | $ 8,965,000 | $ 249,027 | $ 117,000 |
| Wright, Minnesota | 31 | $ 5,603,000 | $ 180,741 | $ 71,000 |
| Ramsey, Minnesota | 28 | $ 5,505,000 | $ 196,607 | $ 94,000 |
| Washington, Minnesota | 28 | $ 8,119,000 | $ 289,964 | $ 121,000 |
| Dunn, Wisconsin | 16 | $ 1,249,000 | $ 78,062 | $ 61,000 |
| Chippewa, Wisconsin | 15 | $ 2,085,000 | $ 139,000 | $ 176,000 |
| Stearns, Minnesota | 9 | $ 1,276,000 | $ 141,777 | $ 88,000 |
| Chisago, Minnesota | 8 | $ 1,619,000 | $ 202,375 | $ 124,000 |
| Isanti, Minnesota | 8 | $ 1,756,000 | $ 219,500 | $ 81,000 |
| Scott, Minnesota | 8 | $ 2,210,000 | $ 276,250 | $ 90,000 |
| Benton, Minnesota | 4 | $ 425,000 | $ 106,250 | $ 41,000 |
| Dodge, Minnesota | 4 | $ 392,000 | $ 98,000 | $ 95,000 |
| St. Louis, Minnesota | 4 | $ 262,000 | $ 65,500 | $ 159,000 |
| La Crosse, Wisconsin | 4 | $ 942,000 | $ 235,500 | $ 61,000 |
| Wabasha, Minnesota | 3 | $ 294,000 | $ 98,000 | $ 39,000 |
| Barron, Wisconsin | 3 | $ 331,000 | $ 110,333 | $ 80,000 |
| Milwaukee, Wisconsin | 3 | $ 338,000 | $ 112,666 | $ 67,000 |
| Olmsted, Minnesota | 2 | $ 364,000 | $ 182,000 | $ 61,000 |
| Larimer, Colorado | 1 | $ 190,000 | $ 190,000 | $ 60,000 |
| Carver, Minnesota | 1 | $ 272,000 | $ 272,000 | $ 88,000 |
| Clay, Minnesota | 1 | $ 260,000 | $ 260,000 | $ 106,000 |
| Polk, Minnesota | 1 | $ 102,000 | $ 102,000 | $ 41,000 |
| Grand Forks, North Dakota | 1 | $ 72,000 | $ 72,000 | $ 44,000 |
| Bayfield, Wisconsin | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Dane, Wisconsin | 1 | $ 149,000 | $ 149,000 | $ 72,000 |
| Douglas, Wisconsin | 1 | $ 160,000 | $ 160,000 | $ 156,000 |
| Trempealeau, Wisconsin | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Washburn, Wisconsin | 1 | $ 81,000 | $ 81,000 | $ 94,000 |
Mortgage Loan Application Detail Totals for Citizens Bancshares of Woodville, Inc. in 2007
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 | 453 | $78,351,000 | $172,000 | $1,470,000 | $80,000 | $564,000 |
| Home Purchase | 366 | $64,787,000 | $177,000 | $1,400,000 | $89,000 | $1,728,000 |
| Home Improvement | 44 | $7,703,000 | $175,000 | $840,000 | $99,000 | $470,000 |
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 | 786 | $138,528,000 | $176,000 | $1,470,000 | $86,000 | $1,728,000 |
| Not Provided | 39 | $6,262,000 | $160,000 | $498,000 | $81,000 | $265,000 |
| Black or African American | 14 | $2,212,000 | $158,000 | $297,000 | $61,000 | $102,000 |
| Hispanic | 11 | $1,818,000 | $165,000 | $235,000 | $60,000 | $82,000 |
| Asian | 11 | $1,916,000 | $174,000 | $252,000 | $38,000 | $88,000 |
| American Indian or Alaskan Native | 1 | $70,000 | $70,000 | $70,000 | $66,000 | $66,000 |
| Not applicable | 1 | $35,000 | $35,000 | $35,000 | $0 | $0 |
| 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) | 857 | $150,094,000 | $175,000 | $1,470,000 | $85,000 | $1,728,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $747,000 | $124,000 | $163,000 | $48,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 628 | $108,517,000 | $172,000 | $1,400,000 | $85,000 | $908,000 |
| Application Denied By Financial Institution | 119 | $23,893,000 | $200,000 | $1,470,000 | $73,000 | $564,000 |
| Application Approved But Not Accepted | 84 | $13,772,000 | $163,000 | $640,000 | $83,000 | $442,000 |
| Application Withdrawn By Applicant | 31 | $4,519,000 | $145,000 | $384,000 | $70,000 | $162,000 |
| File Closed For Incompleteness | 1 | $140,000 | $140,000 | $140,000 | $1,728,000 | $1,728,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 42 | $10,410,000 | $247,000 | $1,470,000 | $74,000 | $564,000 |
| Credit History | 36 | $6,401,000 | $177,000 | $417,000 | $62,000 | $221,000 |
| Collateral | 16 | $2,806,000 | $175,000 | $675,000 | $82,000 | $188,000 |
| Other | 9 | $1,404,000 | $156,000 | $281,000 | $94,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $472,000 | $118,000 | $246,000 | $57,000 | $102,000 |
| Credit Application Incomplete | 4 | $1,172,000 | $293,000 | $520,000 | $128,000 | $180,000 |
| Employment History | 3 | $259,000 | $86,000 | $152,000 | $52,000 | $90,000 |
| Unverifiable Information | 3 | $516,000 | $172,000 | $238,000 | $45,000 | $75,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Bancshares of Woodville, Inc.'s 2007 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 Bancshares of Woodville, Inc.'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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