Co-Op Credit Union Mortgage Lending & HMDA Data, 2013
In 2013, Co-Op Credit Union of Black River Falls, WI reported 426 mortgage applications totaling $46.3 million, down 22% from 2012. The average application was for $108,629, and applicants reported an average income of $65,269. 69% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Eau Claire, WI (30), La Crosse, WI-MN (14) and Racine, 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 | 426 |
| Total Mortgage Loan Application Amount | $46,276,000 |
| Average Mortgage Loan Application Amount | $108,629 |
| Highest Mortgage Loan Application Amount | $675,000 |
| Average Applicant Income | $65,269 |
| Highest Applicant Income | $960,000 |
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Act (HMDA) records Co-Op Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 222 | $ 23,001,000 | $ 103,608 | $ 64,000 |
| Trempealeau, Wisconsin | 63 | $ 6,233,000 | $ 98,936 | $ 52,000 |
| Eau Claire, Wisconsin | 27 | $ 3,421,000 | $ 126,703 | $ 56,000 |
| Clark, Wisconsin | 19 | $ 1,932,000 | $ 101,684 | $ 67,000 |
| La Crosse, Wisconsin | 13 | $ 1,977,000 | $ 152,076 | $ 67,000 |
| Monroe, Wisconsin | 13 | $ 2,437,000 | $ 187,461 | $ 80,000 |
| Wood, Wisconsin | 4 | $ 522,000 | $ 130,500 | $ 66,000 |
| Chippewa, Wisconsin | 3 | $ 250,000 | $ 83,333 | $ 51,000 |
| Buffalo, Wisconsin | 2 | $ 125,000 | $ 62,500 | $ 51,000 |
| Dunn, Wisconsin | 2 | $ 346,000 | $ 173,000 | $ 505,000 |
| Houston, Minnesota | 1 | $ 104,000 | $ 104,000 | $ 45,000 |
| Winona, Minnesota | 1 | $ 100,000 | $ 100,000 | $ 51,000 |
| Barron, Wisconsin | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Juneau, Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Racine, Wisconsin | 1 | $ 36,000 | $ 36,000 | $ 18,000 |
| Waupaca, Wisconsin | 1 | $ 106,000 | $ 106,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for Co-Op Credit Union in 2013
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 | 194 | $22,792,000 | $117,000 | $675,000 | $70,000 | $827,000 |
| Home Purchase | 179 | $18,033,000 | $100,000 | $499,000 | $62,000 | $960,000 |
| Home Improvement | 53 | $5,451,000 | $102,000 | $438,000 | $59,000 | $148,000 |
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 | 416 | $45,263,000 | $108,000 | $675,000 | $66,000 | $960,000 |
| American Indian or Alaskan Native | 4 | $349,000 | $87,000 | $149,000 | $38,000 | $78,000 |
| Hispanic | 4 | $546,000 | $136,000 | $188,000 | $47,000 | $96,000 |
| Black or African American | 1 | $68,000 | $68,000 | $68,000 | $22,000 | $22,000 |
| Not Provided | 1 | $50,000 | $50,000 | $50,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 425 | $46,151,000 | $108,000 | $675,000 | $66,000 | $960,000 |
| VA-guaranteed (Veterans Administration) | 1 | $125,000 | $125,000 | $125,000 | $43,000 | $43,000 |
| 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 |
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 | 296 | $33,495,000 | $113,000 | $675,000 | $72,000 | $960,000 |
| Application Denied By Financial Institution | 67 | $6,257,000 | $93,000 | $562,000 | $39,000 | $108,000 |
| Application Withdrawn By Applicant | 41 | $3,910,000 | $95,000 | $277,000 | $57,000 | $310,000 |
| File Closed For Incompleteness | 11 | $1,265,000 | $115,000 | $257,000 | $69,000 | $199,000 |
| Preapproval Approved but not Accepted | 9 | $1,157,000 | $128,000 | $450,000 | $77,000 | $241,000 |
| Preapproval Denied by Financial Institution | 1 | $107,000 | $107,000 | $107,000 | $43,000 | $43,000 |
| Application Approved But Not Accepted | 1 | $85,000 | $85,000 | $85,000 | $81,000 | $81,000 |
| Loan Purchased By The 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 | 19 | $1,407,000 | $74,000 | $150,000 | $34,000 | $76,000 |
| Debt-To-Income Ratio | 13 | $1,029,000 | $79,000 | $232,000 | $33,000 | $69,000 |
| Collateral | 7 | $1,336,000 | $190,000 | $562,000 | $69,000 | $108,000 |
| Other | 3 | $296,000 | $98,000 | $151,000 | $52,000 | $65,000 |
| Unverifiable Information | 2 | $302,000 | $151,000 | $180,000 | $30,000 | $41,000 |
| Employment History | 1 | $111,000 | $111,000 | $111,000 | $18,000 | $18,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $13,000 | $13,000 | $13,000 | $61,000 | $61,000 |
| Mortgage Insurance Denied | 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 2013 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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