Co-Op Credit Union Mortgage Lending & HMDA Data, 2016
In 2016, Co-Op Credit Union of Black River Falls, WI reported 506 mortgage applications totaling $55.5 million, up 9% from 2015. The average application was for $109,747, and applicants reported an average income of $74,942. 84% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Eau Claire, WI (45), La Crosse-Onalaska, WI-MN (15) and Minneapolis-St. Paul-Bloomington, MN-WI (3) (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 | 506 |
| Total Mortgage Loan Application Amount | $55,532,000 |
| Average Mortgage Loan Application Amount | $109,747 |
| Highest Mortgage Loan Application Amount | $881,000 |
| Average Applicant Income | $74,942 |
| Highest Applicant Income | $817,000 |
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Act (HMDA) records Co-Op Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 250 | $ 25,568,000 | $ 102,272 | $ 75,000 |
| Trempealeau, Wisconsin | 96 | $ 11,420,000 | $ 118,958 | $ 79,000 |
| Clark, Wisconsin | 45 | $ 4,922,000 | $ 109,377 | $ 80,000 |
| Eau Claire, Wisconsin | 36 | $ 4,119,000 | $ 114,416 | $ 73,000 |
| Monroe, Wisconsin | 17 | $ 2,160,000 | $ 127,058 | $ 58,000 |
| La Crosse, Wisconsin | 14 | $ 1,541,000 | $ 110,071 | $ 79,000 |
| Chippewa, Wisconsin | 9 | $ 1,118,000 | $ 124,222 | $ 67,000 |
| Buffalo, Wisconsin | 6 | $ 701,000 | $ 116,833 | $ 72,000 |
| St. Croix, Wisconsin | 3 | $ 417,000 | $ 139,000 | $ 139,000 |
| Jefferson, Wisconsin | 2 | $ 396,000 | $ 198,000 | $ 96,000 |
| Sauk, Wisconsin | 2 | $ 208,000 | $ 104,000 | $ 42,000 |
| Fillmore, Minnesota | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Houston, Minnesota | 1 | $ 100,000 | $ 100,000 | $ 78,000 |
| Winona, Minnesota | 1 | $ 196,000 | $ 196,000 | $ 102,000 |
| Adams, Wisconsin | 1 | $ 41,000 | $ 41,000 | $ 58,000 |
| Burnett, Wisconsin | 1 | $ 47,000 | $ 47,000 | $ 63,000 |
| Columbia, Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 32,000 |
| Dane, Wisconsin | 1 | $ 163,000 | $ 163,000 | $ 201,000 |
| Dunn, Wisconsin | 1 | $ 80,000 | $ 80,000 | $ 49,000 |
| Grant, Wisconsin | 1 | $ 76,000 | $ 76,000 | $ 65,000 |
| Juneau, Wisconsin | 1 | $ 42,000 | $ 42,000 | $ 40,000 |
| Marinette, Wisconsin | 1 | $ 132,000 | $ 132,000 | $ 57,000 |
| Rock, Wisconsin | 1 | $ 28,000 | $ 28,000 | $ 84,000 |
| Rusk, Wisconsin | 1 | $ 150,000 | $ 150,000 | $ 44,000 |
| Sawyer, Wisconsin | 1 | $ 86,000 | $ 86,000 | $ 120,000 |
| Vernon, Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 94,000 |
| Washburn, Wisconsin | 1 | $ 42,000 | $ 42,000 | $ 158,000 |
| Waukesha, Wisconsin | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Waushara, Wisconsin | 1 | $ 88,000 | $ 88,000 | $ 57,000 |
| Winnebago, Wisconsin | 1 | $ 98,000 | $ 98,000 | $ 74,000 |
| Wood, Wisconsin | 1 | $ 114,000 | $ 114,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Co-Op Credit Union in 2016
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 | 257 | $28,687,000 | $111,000 | $881,000 | $78,000 | $817,000 |
| Home Purchase | 200 | $22,367,000 | $111,000 | $462,000 | $71,000 | $616,000 |
| Home Improvement | 49 | $4,478,000 | $91,000 | $266,000 | $75,000 | $226,000 |
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 | 494 | $53,935,000 | $109,000 | $881,000 | $75,000 | $817,000 |
| Hispanic | 7 | $1,039,000 | $148,000 | $383,000 | $69,000 | $223,000 |
| Asian | 2 | $244,000 | $122,000 | $194,000 | $16,000 | $32,000 |
| Not Provided | 2 | $166,000 | $83,000 | $140,000 | $133,000 | $133,000 |
| American Indian or Alaskan Native | 1 | $148,000 | $148,000 | $148,000 | $89,000 | $89,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 505 | $55,431,000 | $109,000 | $881,000 | $75,000 | $817,000 |
| VA-guaranteed (Veterans Administration) | 1 | $101,000 | $101,000 | $101,000 | $68,000 | $68,000 |
| 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 | 426 | $47,864,000 | $112,000 | $881,000 | $78,000 | $817,000 |
| Application Withdrawn By Applicant | 48 | $4,561,000 | $95,000 | $257,000 | $71,000 | $181,000 |
| Application Denied By Financial Institution | 23 | $2,153,000 | $93,000 | $259,000 | $46,000 | $120,000 |
| File Closed For Incompleteness | 5 | $496,000 | $99,000 | $194,000 | $34,000 | $56,000 |
| Preapproval Denied by Financial Institution | 2 | $230,000 | $115,000 | $130,000 | $49,000 | $67,000 |
| Preapproval Approved but not Accepted | 1 | $147,000 | $147,000 | $147,000 | $70,000 | $70,000 |
| Application Approved But Not Accepted | 1 | $81,000 | $81,000 | $81,000 | $74,000 | $74,000 |
| 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 | 3 | $192,000 | $64,000 | $127,000 | $42,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $114,000 | $57,000 | $66,000 | $45,000 | $48,000 |
| Debt-To-Income Ratio | 1 | $212,000 | $212,000 | $212,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Co-Op Credit Union's 2016 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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