Citizens Community Federal
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Citizens Community Federal 2006 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 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 | $93,000 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $460,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 210 | $ 19,311,000 | $ 91,000 | $ 67,000 |
| Chippewa County Wisconsin | 75 | $ 7,213,000 | $ 96,000 | $ 67,000 |
| Buffalo County Wisconsin | 37 | $ 3,424,000 | $ 92,000 | $ 74,000 |
| Dunn County Wisconsin | 36 | $ 4,258,000 | $ 118,000 | $ 65,000 |
| Barron County Wisconsin | 22 | $ 2,003,000 | $ 91,000 | $ 59,000 |
| Trempealeau County Wisconsin | 22 | $ 2,172,000 | $ 98,000 | $ 79,000 |
| Oakland County Michigan | 17 | $ 2,005,000 | $ 117,000 | $ 62,000 |
| Washburn County Wisconsin | 15 | $ 1,996,000 | $ 133,000 | $ 67,000 |
| Rusk County Wisconsin | 14 | $ 1,326,000 | $ 94,000 | $ 56,000 |
| St. Croix County Wisconsin | 12 | $ 2,740,000 | $ 228,000 | $ 150,000 |
| Polk County Wisconsin | 11 | $ 1,539,000 | $ 139,000 | $ 55,000 |
| Pepin County Wisconsin | 10 | $ 1,401,000 | $ 140,000 | $ 77,000 |
| Jackson County Wisconsin | 9 | $ 757,000 | $ 84,000 | $ 49,000 |
| Hennepin County Minnesota | 8 | $ 1,254,000 | $ 156,000 | $ 76,000 |
| Clark County Wisconsin | 7 | $ 817,000 | $ 116,000 | $ 62,000 |
| Sawyer County Wisconsin | 7 | $ 912,000 | $ 130,000 | $ 107,000 |
| Pierce County Wisconsin | 6 | $ 1,008,000 | $ 168,000 | $ 73,000 |
| Blue Earth County Minnesota | 5 | $ 476,000 | $ 95,000 | $ 66,000 |
| Ashland County Wisconsin | 5 | $ 734,000 | $ 146,000 | $ 91,000 |
| Burnett County Wisconsin | 5 | $ 480,000 | $ 96,000 | $ 71,000 |
| Taylor County Wisconsin | 5 | $ 760,000 | $ 152,000 | $ 72,000 |
| Dakota County Minnesota | 4 | $ 431,000 | $ 107,000 | $ 75,000 |
| Nicollet County Minnesota | 4 | $ 291,000 | $ 72,000 | $ 94,000 |
| Douglas County Wisconsin | 4 | $ 329,000 | $ 82,000 | $ 49,000 |
| Marinette County Wisconsin | 4 | $ 492,000 | $ 123,000 | $ 70,000 |
| Milwaukee County Wisconsin | 4 | $ 377,000 | $ 94,000 | $ 90,000 |
| Monroe County Wisconsin | 4 | $ 299,000 | $ 74,000 | $ 58,000 |
| Anoka County Minnesota | 3 | $ 542,000 | $ 180,000 | $ 76,000 |
| Brown County Minnesota | 3 | $ 484,000 | $ 161,000 | $ 111,000 |
| Rice County Minnesota | 3 | $ 464,000 | $ 154,000 | $ 81,000 |
| Washington County Minnesota | 3 | $ 720,000 | $ 240,000 | $ 137,000 |
| Wright County Minnesota | 3 | $ 638,000 | $ 212,000 | $ 112,000 |
| Adams County Wisconsin | 3 | $ 281,000 | $ 93,000 | $ 58,000 |
| Bayfield County Wisconsin | 3 | $ 430,000 | $ 143,000 | $ 61,000 |
| Kenosha County Wisconsin | 3 | $ 595,000 | $ 198,000 | $ 132,000 |
| Price County Wisconsin | 3 | $ 267,000 | $ 89,000 | $ 60,000 |
| Wayne County Michigan | 2 | $ 327,000 | $ 163,000 | $ 109,000 |
| Martin County Minnesota | 2 | $ 60,000 | $ 30,000 | $ 64,000 |
| Ramsey County Minnesota | 2 | $ 116,000 | $ 58,000 | $ 82,000 |
| Sibley County Minnesota | 2 | $ 116,000 | $ 58,000 | $ 62,000 |
| Dane County Wisconsin | 2 | $ 476,000 | $ 238,000 | $ 167,000 |
| Langlade County Wisconsin | 2 | $ 172,000 | $ 86,000 | $ 80,000 |
| Baraga County Michigan | 1 | $ 120,000 | $ 120,000 | $ 72,000 |
| Genesee County Michigan | 1 | $ 252,000 | $ 252,000 | $ 191,000 |
| Iosco County Michigan | 1 | $ 53,000 | $ 53,000 | $ 112,000 |
| Osceola County Michigan | 1 | $ 52,000 | $ 52,000 | $ 108,000 |
| Tuscola County Michigan | 1 | $ 140,000 | $ 140,000 | $ 120,000 |
| Benton County Minnesota | 1 | $ 156,000 | $ 156,000 | $ 83,000 |
| Chisago County Minnesota | 1 | $ 141,000 | $ 141,000 | $ 83,000 |
| Clay County Minnesota | 1 | $ 51,000 | $ 51,000 | $ 49,000 |
| Kanabec County Minnesota | 1 | $ 87,000 | $ 87,000 | $ 133,000 |
| McLeod County Minnesota | 1 | $ 15,000 | $ 15,000 | $ 40,000 |
| Mille Lacs County Minnesota | 1 | $ 240,000 | $ 240,000 | $ 124,000 |
| Olmsted County Minnesota | 1 | $ 203,000 | $ 203,000 | $ 143,000 |
| Otter Tail County Minnesota | 1 | $ 160,000 | $ 160,000 | $ 58,000 |
| Polk County Minnesota | 1 | $ 82,000 | $ 82,000 | $ 90,000 |
| Renville County Minnesota | 1 | $ 106,000 | $ 106,000 | $ 110,000 |
| St. Louis County Minnesota | 1 | $ 165,000 | $ 165,000 | $ 72,000 |
| Steele County Minnesota | 1 | $ 131,000 | $ 131,000 | $ 89,000 |
| Waseca County Minnesota | 1 | $ 220,000 | $ 220,000 | $ 94,000 |
| Watonwan County Minnesota | 1 | $ 257,000 | $ 257,000 | $ 100,000 |
| Winona County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 68,000 |
| Columbia County Wisconsin | 1 | $ 162,000 | $ 162,000 | $ 80,000 |
| Florence County Wisconsin | 1 | $ 191,000 | $ 191,000 | $ 123,000 |
| Green County Wisconsin | 1 | $ 148,000 | $ 148,000 | $ 92,000 |
| Green Lake County Wisconsin | 1 | $ 164,000 | $ 164,000 | $ 148,000 |
| Iron County Wisconsin | 1 | $ 52,000 | $ 52,000 | $ 72,000 |
| Jefferson County Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| La Crosse County Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 104,000 |
| Oneida County Wisconsin | 1 | $ 298,000 | $ 298,000 | $ 121,000 |
| Ozaukee County Wisconsin | 1 | $ 221,000 | $ 221,000 | $ 268,000 |
| Portage County Wisconsin | 1 | $ 126,000 | $ 126,000 | $ 75,000 |
| Shawano County Wisconsin | 1 | $ 136,000 | $ 136,000 | $ 335,000 |
| Vernon County Wisconsin | 1 | $ 94,000 | $ 94,000 | $ 86,000 |
| Walworth County Wisconsin | 1 | $ 31,000 | $ 31,000 | $ 51,000 |
| Washington County Wisconsin | 1 | $ 232,000 | $ 232,000 | $ 87,000 |
| Waukesha County Wisconsin | 1 | $ 30,000 | $ 30,000 | $ 52,000 |
| Waupaca County 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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with aggregated HMDA statistics today.