Citizens Community Federal Mortgage Lending & HMDA Data, 2006
In 2006, Citizens Community Federal of Altoona, WI reported 639 mortgage applications totaling $70.0 million, down 4% from 2005. The average application was for $109,502, and applicants reported an average income of $73,444. 70% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Eau Claire, WI (285), Minneapolis-St. Paul-Bloomington, MN-WI (42) and Warren-Troy-Farmington Hills, MI (17) (applications in parentheses).
| Mortgage Company & Address | Citizens Community Federal Po Box 218 Altoona, WI 54720 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 639 |
| Total Mortgage Loan Application Amount | $69,972,000 |
| Average Mortgage Loan Application Amount | $109,502 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $73,444 |
| Highest Applicant Income | $460,000 |
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records Citizens Community Federal filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 210 | $ 19,311,000 | $ 91,957 | $ 67,000 |
| Chippewa, Wisconsin | 75 | $ 7,213,000 | $ 96,173 | $ 67,000 |
| Buffalo, Wisconsin | 37 | $ 3,424,000 | $ 92,540 | $ 74,000 |
| Dunn, Wisconsin | 36 | $ 4,258,000 | $ 118,277 | $ 65,000 |
| Barron, Wisconsin | 22 | $ 2,003,000 | $ 91,045 | $ 59,000 |
| Trempealeau, Wisconsin | 22 | $ 2,172,000 | $ 98,727 | $ 79,000 |
| Oakland, Michigan | 17 | $ 2,005,000 | $ 117,941 | $ 62,000 |
| Washburn, Wisconsin | 15 | $ 1,996,000 | $ 133,066 | $ 67,000 |
| Rusk, Wisconsin | 14 | $ 1,326,000 | $ 94,714 | $ 56,000 |
| St. Croix, Wisconsin | 12 | $ 2,740,000 | $ 228,333 | $ 150,000 |
| Polk, Wisconsin | 11 | $ 1,539,000 | $ 139,909 | $ 55,000 |
| Pepin, Wisconsin | 10 | $ 1,401,000 | $ 140,100 | $ 77,000 |
| Jackson, Wisconsin | 9 | $ 757,000 | $ 84,111 | $ 49,000 |
| Hennepin, Minnesota | 8 | $ 1,254,000 | $ 156,750 | $ 76,000 |
| Clark, Wisconsin | 7 | $ 817,000 | $ 116,714 | $ 62,000 |
| Sawyer, Wisconsin | 7 | $ 912,000 | $ 130,285 | $ 107,000 |
| Pierce, Wisconsin | 6 | $ 1,008,000 | $ 168,000 | $ 73,000 |
| Blue Earth, Minnesota | 5 | $ 476,000 | $ 95,200 | $ 66,000 |
| Ashland, Wisconsin | 5 | $ 734,000 | $ 146,800 | $ 91,000 |
| Burnett, Wisconsin | 5 | $ 480,000 | $ 96,000 | $ 71,000 |
| Taylor, Wisconsin | 5 | $ 760,000 | $ 152,000 | $ 72,000 |
| Dakota, Minnesota | 4 | $ 431,000 | $ 107,750 | $ 75,000 |
| Nicollet, Minnesota | 4 | $ 291,000 | $ 72,750 | $ 94,000 |
| Douglas, Wisconsin | 4 | $ 329,000 | $ 82,250 | $ 49,000 |
| Marinette, Wisconsin | 4 | $ 492,000 | $ 123,000 | $ 70,000 |
| Milwaukee, Wisconsin | 4 | $ 377,000 | $ 94,250 | $ 90,000 |
| Monroe, Wisconsin | 4 | $ 299,000 | $ 74,750 | $ 58,000 |
| Anoka, Minnesota | 3 | $ 542,000 | $ 180,666 | $ 76,000 |
| Brown, Minnesota | 3 | $ 484,000 | $ 161,333 | $ 111,000 |
| Rice, Minnesota | 3 | $ 464,000 | $ 154,666 | $ 81,000 |
| Washington, Minnesota | 3 | $ 720,000 | $ 240,000 | $ 137,000 |
| Wright, Minnesota | 3 | $ 638,000 | $ 212,666 | $ 112,000 |
| Adams, Wisconsin | 3 | $ 281,000 | $ 93,666 | $ 58,000 |
| Bayfield, Wisconsin | 3 | $ 430,000 | $ 143,333 | $ 61,000 |
| Kenosha, Wisconsin | 3 | $ 595,000 | $ 198,333 | $ 132,000 |
| Price, Wisconsin | 3 | $ 267,000 | $ 89,000 | $ 60,000 |
| Wayne, Michigan | 2 | $ 327,000 | $ 163,500 | $ 109,000 |
| Martin, Minnesota | 2 | $ 60,000 | $ 30,000 | $ 64,000 |
| Ramsey, Minnesota | 2 | $ 116,000 | $ 58,000 | $ 82,000 |
| Sibley, Minnesota | 2 | $ 116,000 | $ 58,000 | $ 62,000 |
| Dane, Wisconsin | 2 | $ 476,000 | $ 238,000 | $ 167,000 |
| Langlade, Wisconsin | 2 | $ 172,000 | $ 86,000 | $ 80,000 |
| Baraga, Michigan | 1 | $ 120,000 | $ 120,000 | $ 72,000 |
| Genesee, Michigan | 1 | $ 252,000 | $ 252,000 | $ 191,000 |
| Iosco, Michigan | 1 | $ 53,000 | $ 53,000 | $ 112,000 |
| Osceola, Michigan | 1 | $ 52,000 | $ 52,000 | $ 108,000 |
| Tuscola, Michigan | 1 | $ 140,000 | $ 140,000 | $ 120,000 |
| Benton, Minnesota | 1 | $ 156,000 | $ 156,000 | $ 83,000 |
| Chisago, Minnesota | 1 | $ 141,000 | $ 141,000 | $ 83,000 |
| Clay, Minnesota | 1 | $ 51,000 | $ 51,000 | $ 49,000 |
| Kanabec, Minnesota | 1 | $ 87,000 | $ 87,000 | $ 133,000 |
| McLeod, Minnesota | 1 | $ 15,000 | $ 15,000 | $ 40,000 |
| Mille Lacs, Minnesota | 1 | $ 240,000 | $ 240,000 | $ 124,000 |
| Olmsted, Minnesota | 1 | $ 203,000 | $ 203,000 | $ 143,000 |
| Otter Tail, Minnesota | 1 | $ 160,000 | $ 160,000 | $ 58,000 |
| Polk, Minnesota | 1 | $ 82,000 | $ 82,000 | $ 90,000 |
| Renville, Minnesota | 1 | $ 106,000 | $ 106,000 | $ 110,000 |
| St. Louis, Minnesota | 1 | $ 165,000 | $ 165,000 | $ 72,000 |
| Steele, Minnesota | 1 | $ 131,000 | $ 131,000 | $ 89,000 |
| Waseca, Minnesota | 1 | $ 220,000 | $ 220,000 | $ 94,000 |
| Watonwan, Minnesota | 1 | $ 257,000 | $ 257,000 | $ 100,000 |
| Winona, Minnesota | 1 | $ 115,000 | $ 115,000 | $ 68,000 |
| Columbia, Wisconsin | 1 | $ 162,000 | $ 162,000 | $ 80,000 |
| Florence, Wisconsin | 1 | $ 191,000 | $ 191,000 | $ 123,000 |
| Green, Wisconsin | 1 | $ 148,000 | $ 148,000 | $ 92,000 |
| Green Lake, Wisconsin | 1 | $ 164,000 | $ 164,000 | $ 148,000 |
| Iron, Wisconsin | 1 | $ 52,000 | $ 52,000 | $ 72,000 |
| Jefferson, Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| La Crosse, Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 104,000 |
| Oneida, Wisconsin | 1 | $ 298,000 | $ 298,000 | $ 121,000 |
| Ozaukee, Wisconsin | 1 | $ 221,000 | $ 221,000 | $ 268,000 |
| Portage, Wisconsin | 1 | $ 126,000 | $ 126,000 | $ 75,000 |
| Shawano, Wisconsin | 1 | $ 136,000 | $ 136,000 | $ 335,000 |
| Vernon, Wisconsin | 1 | $ 94,000 | $ 94,000 | $ 86,000 |
| Walworth, Wisconsin | 1 | $ 31,000 | $ 31,000 | $ 51,000 |
| Washington, Wisconsin | 1 | $ 232,000 | $ 232,000 | $ 87,000 |
| Waukesha, Wisconsin | 1 | $ 30,000 | $ 30,000 | $ 52,000 |
| Waupaca, Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for Citizens Community Federal in 2006
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 | 540 | $63,416,000 | $117,000 | $455,000 | $73,000 | $460,000 |
| Home Improvement | 65 | $2,127,000 | $32,000 | $225,000 | $69,000 | $188,000 |
| Home Purchase | 34 | $4,429,000 | $130,000 | $408,000 | $89,000 | $340,000 |
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 | 542 | $58,062,000 | $107,000 | $455,000 | $72,000 | $460,000 |
| Not Provided | 91 | $11,381,000 | $125,000 | $369,000 | $84,000 | $200,000 |
| American Indian or Alaskan Native | 3 | $109,000 | $36,000 | $60,000 | $38,000 | $55,000 |
| Asian | 1 | $95,000 | $95,000 | $95,000 | $46,000 | $46,000 |
| Black or African American | 1 | $207,000 | $207,000 | $207,000 | $78,000 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $118,000 | $118,000 | $118,000 | $54,000 | $54,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 639 | $69,972,000 | $109,000 | $455,000 | $73,000 | $460,000 |
| 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 | 449 | $48,405,000 | $107,000 | $455,000 | $71,000 | $340,000 |
| Application Approved But Not Accepted | 106 | $12,019,000 | $113,000 | $408,000 | $82,000 | $280,000 |
| Application Denied By Financial Institution | 70 | $7,602,000 | $108,000 | $270,000 | $66,000 | $191,000 |
| File Closed For Incompleteness | 10 | $1,432,000 | $143,000 | $319,000 | $87,000 | $136,000 |
| Application Withdrawn By Applicant | 4 | $514,000 | $128,000 | $259,000 | $166,000 | $460,000 |
| 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 | 31 | $3,872,000 | $124,000 | $270,000 | $61,000 | $155,000 |
| Collateral | 19 | $1,837,000 | $96,000 | $250,000 | $67,000 | $150,000 |
| Credit History | 18 | $1,733,000 | $96,000 | $252,000 | $70,000 | $191,000 |
| Other | 2 | $160,000 | $80,000 | $88,000 | $90,000 | $135,000 |
| 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 2006 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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