Co-Op Credit Union Mortgage Lending & HMDA Data, 2012
In 2012, Co-Op Credit Union of Black River Falls, WI reported 548 mortgage applications totaling $55.6 million, up 2% from 2011. The average application was for $101,472, and applicants reported an average income of $72,208. 81% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Eau Claire, WI (34), La Crosse, WI-MN (12) and Green Bay, WI (1) (applications in parentheses).
| Mortgage Company & Address | Co-Op Credit Union 100 E Main St Black River Falls, WI 54615 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 548 |
| Total Mortgage Loan Application Amount | $55,607,000 |
| Average Mortgage Loan Application Amount | $101,472 |
| Highest Mortgage Loan Application Amount | $861,000 |
| Average Applicant Income | $72,208 |
| Highest Applicant Income | $1,800,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Co-Op Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Jackson, Wisconsin | 49 | $ 5,071,000 | $ 103,489 | $ 77,000 |
| Eau Claire, Wisconsin | 31 | $ 3,231,000 | $ 104,225 | $ 66,000 |
| La Crosse, Wisconsin | 12 | $ 977,000 | $ 81,416 | $ 61,000 |
| Trempealeau, Wisconsin | 9 | $ 884,000 | $ 98,222 | $ 41,000 |
| Chippewa, Wisconsin | 3 | $ 492,000 | $ 164,000 | $ 155,000 |
| Clark, Wisconsin | 3 | $ 434,000 | $ 144,666 | $ 73,000 |
| Monroe, Wisconsin | 3 | $ 333,000 | $ 111,000 | $ 113,000 |
| Vernon, Wisconsin | 2 | $ 115,000 | $ 57,500 | $ 45,000 |
| Black Hawk, Iowa | 1 | $ 137,000 | $ 137,000 | $ 117,000 |
| Brown, Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 78,000 |
| Rock, Wisconsin | 1 | $ 143,000 | $ 143,000 | $ 111,000 |
| Washington, Wisconsin | 1 | $ 162,000 | $ 162,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Co-Op Credit Union 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 | 327 | $36,669,000 | $112,000 | $861,000 | $78,000 | $1,800,000 |
| Home Purchase | 181 | $15,740,000 | $86,000 | $369,000 | $64,000 | $388,000 |
| Home Improvement | 40 | $3,198,000 | $79,000 | $219,000 | $62,000 | $140,000 |
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 | 538 | $55,046,000 | $102,000 | $861,000 | $72,000 | $1,800,000 |
| American Indian or Alaskan Native | 8 | $395,000 | $49,000 | $124,000 | $45,000 | $74,000 |
| Asian | 1 | $86,000 | $86,000 | $86,000 | $35,000 | $35,000 |
| Hispanic | 1 | $80,000 | $80,000 | $80,000 | $49,000 | $49,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 548 | $55,607,000 | $101,000 | $861,000 | $72,000 | $1,800,000 |
| 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 | 442 | $44,750,000 | $101,000 | $861,000 | $75,000 | $1,800,000 |
| Application Withdrawn By Applicant | 45 | $5,306,000 | $117,000 | $417,000 | $68,000 | $285,000 |
| Application Denied By Financial Institution | 37 | $3,710,000 | $100,000 | $688,000 | $51,000 | $200,000 |
| File Closed For Incompleteness | 15 | $1,020,000 | $68,000 | $130,000 | $45,000 | $85,000 |
| Application Approved But Not Accepted | 9 | $821,000 | $91,000 | $270,000 | $62,000 | $161,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 15 | $912,000 | $60,000 | $125,000 | $42,000 | $104,000 |
| Debt-To-Income Ratio | 15 | $2,094,000 | $139,000 | $688,000 | $53,000 | $200,000 |
| Collateral | 3 | $366,000 | $122,000 | $148,000 | $86,000 | $117,000 |
| Other | 2 | $224,000 | $112,000 | $135,000 | $54,000 | $64,000 |
| Employment History | 2 | $114,000 | $57,000 | $70,000 | $38,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Co-Op Credit Union'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 Co-Op Credit Union'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.
For a list of all lenders in Wisconsin, download the full spreadsheet
with aggregated HMDA statistics today.
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