Co-Op Credit Union Mortgage Lending & HMDA Data, 2020
In 2020, Co-Op Credit Union of Black River Falls, WI reported 788 mortgage applications totaling $106.5 million, up 57% from 2019. The average application was for $135,164, and applicants reported an average income of $83,895. 88% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Eau Claire, WI (83), La Crosse-Onalaska, WI-MN (50) and Minneapolis-St. Paul-Bloomington, MN-WI (6) (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 | 788 |
| Total Mortgage Loan Application Amount | $106,510,000 |
| Average Mortgage Loan Application Amount | $135,164 |
| Highest Mortgage Loan Application Amount | $875,000 |
| Average Applicant Income | $83,895 |
| Highest Applicant Income | $637,000 |
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Act (HMDA) records Co-Op Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 392 | $ 49,630,000 | $ 126,607 | $ 82,000 |
| Trempealeau, Wisconsin | 138 | $ 19,660,000 | $ 142,463 | $ 77,000 |
| Eau Claire, Wisconsin | 77 | $ 9,905,000 | $ 128,636 | $ 77,000 |
| La Crosse, Wisconsin | 48 | $ 7,370,000 | $ 153,541 | $ 105,000 |
| Clark, Wisconsin | 42 | $ 5,040,000 | $ 120,000 | $ 77,000 |
| Monroe, Wisconsin | 39 | $ 5,225,000 | $ 133,974 | $ 85,000 |
| Chippewa, Wisconsin | 6 | $ 850,000 | $ 141,666 | $ 121,000 |
| Dunn, Wisconsin | 5 | $ 695,000 | $ 139,000 | $ 62,000 |
| Rusk, Wisconsin | 5 | $ 1,115,000 | $ 223,000 | $ 103,000 |
| Buffalo, Wisconsin | 3 | $ 585,000 | $ 195,000 | $ 123,000 |
| St. Croix, Wisconsin | 3 | $ 335,000 | $ 111,666 | $ 134,000 |
| Waukesha, Wisconsin | 3 | $ 1,275,000 | $ 425,000 | $ 242,000 |
| Anoka, Minnesota | 2 | $ 350,000 | $ 175,000 | $ 80,000 |
| Houston, Minnesota | 2 | $ 240,000 | $ 120,000 | $ 91,000 |
| Winona, Minnesota | 2 | $ 650,000 | $ 325,000 | $ 114,000 |
| Barron, Wisconsin | 2 | $ 290,000 | $ 145,000 | $ 187,000 |
| Iowa, Wisconsin | 2 | $ 170,000 | $ 85,000 | $ 52,000 |
| Washburn, Wisconsin | 2 | $ 450,000 | $ 225,000 | $ 113,000 |
| Benton, Minnesota | 1 | $ 205,000 | $ 205,000 | $ 106,000 |
| Dakota, Minnesota | 1 | $ 185,000 | $ 185,000 | $ 101,000 |
| Adams, Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 33,000 |
| Dodge, Wisconsin | 1 | $ 295,000 | $ 295,000 | $ 148,000 |
| Fond du Lac, Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 185,000 |
| Marinette, Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 110,000 |
| Oconto, Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 126,000 |
| Outagamie, Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 85,000 |
| Sawyer, Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 128,000 |
| Vernon, Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 65,000 |
| Vilas, Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 137,000 |
| Washington, Wisconsin | 1 | $ 335,000 | $ 335,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Co-Op Credit Union in 2020
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 309 | $41,105,000 | $133,000 | $455,000 | $86,000 | $411,000 |
| Refinancing | 236 | $34,840,000 | $147,000 | $875,000 | $90,000 | $418,000 |
| Home Purchase | 229 | $29,515,000 | $128,000 | $565,000 | $76,000 | $637,000 |
| Other Purpose | 12 | $520,000 | $43,000 | $115,000 | $61,000 | $111,000 |
| Home Improvement | 2 | $530,000 | $265,000 | $345,000 | $80,000 | $104,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 762 | $103,580,000 | $135,000 | $875,000 | $84,000 | $637,000 |
| Not Provided | 11 | $1,435,000 | $130,000 | $415,000 | $91,000 | $227,000 |
| American Indian or Alaskan Native | 6 | $590,000 | $98,000 | $185,000 | $71,000 | $121,000 |
| Hispanic | 6 | $530,000 | $88,000 | $145,000 | $108,000 | $306,000 |
| Asian | 2 | $170,000 | $85,000 | $105,000 | $62,000 | $94,000 |
| Black or African American | 1 | $205,000 | $205,000 | $205,000 | $133,000 | $133,000 |
| Native Hawaiian 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) | 788 | $106,510,000 | $135,000 | $875,000 | $84,000 | $637,000 |
| 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 | 694 | $95,660,000 | $137,000 | $875,000 | $87,000 | $637,000 |
| Application Withdrawn By Applicant | 62 | $7,910,000 | $127,000 | $345,000 | $70,000 | $227,000 |
| Application Denied By Financial Institution | 15 | $1,385,000 | $92,000 | $325,000 | $37,000 | $82,000 |
| File Closed For Incompleteness | 13 | $1,155,000 | $88,000 | $185,000 | $54,000 | $111,000 |
| Application Approved But Not Accepted | 2 | $190,000 | $95,000 | $145,000 | $52,000 | $53,000 |
| Preapproval Denied by Financial Institution | 2 | $210,000 | $105,000 | $165,000 | $64,000 | $87,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 771 | $104,915,000 | $136,000 | $875,000 | $85,000 | $637,000 |
| Credit History | 6 | $460,000 | $76,000 | $165,000 | $51,000 | $87,000 |
| Debt-To-Income Ratio | 6 | $800,000 | $133,000 | $325,000 | $41,000 | $82,000 |
| Collateral | 3 | $275,000 | $91,000 | $155,000 | $34,000 | $47,000 |
| Employment History | 1 | $25,000 | $25,000 | $25,000 | $12,000 | $12,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $35,000 | $35,000 | $35,000 | $17,000 | $17,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2020 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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