Co-Op Credit Union Mortgage Lending & HMDA Data, 2022
In 2022, Co-Op Credit Union of Black River Falls, WI reported 564 mortgage applications totaling $82.6 million, down 24% from 2021. The average application was for $146,400, and applicants reported an average income of $76,790. 88% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Eau Claire, WI (62), La Crosse-Onalaska, WI-MN (50) and Green Bay, WI (4) (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 | 564 |
| Total Mortgage Loan Application Amount | $82,570,000 |
| Average Mortgage Loan Application Amount | $146,400 |
| Highest Mortgage Loan Application Amount | $825,000 |
| Average Applicant Income | $76,790 |
| Highest Applicant Income | $737,000 |
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Act (HMDA) records Co-Op Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | $ 33,560,000 | $ 134,240 | $ 72,000 |
| Trempealeau, Wisconsin | 84 | $ 12,440,000 | $ 148,095 | $ 77,000 |
| Eau Claire, Wisconsin | 56 | $ 7,470,000 | $ 133,392 | $ 61,000 |
| La Crosse, Wisconsin | 48 | $ 8,000,000 | $ 166,666 | $ 90,000 |
| Clark, Wisconsin | 35 | $ 4,835,000 | $ 138,142 | $ 100,000 |
| Monroe, Wisconsin | 35 | $ 5,985,000 | $ 171,000 | $ 84,000 |
| Buffalo, Wisconsin | 6 | $ 1,690,000 | $ 281,666 | $ 119,000 |
| Chippewa, Wisconsin | 6 | $ 970,000 | $ 161,666 | $ 81,000 |
| Dunn, Wisconsin | 4 | $ 800,000 | $ 200,000 | $ 34,000 |
| Wood, Wisconsin | 4 | $ 590,000 | $ 147,500 | $ 99,000 |
| Washburn, Wisconsin | 3 | $ 395,000 | $ 131,666 | $ 195,000 |
| Houston, Minnesota | 2 | $ 370,000 | $ 185,000 | $ 85,000 |
| Brown, Wisconsin | 2 | $ 360,000 | $ 180,000 | $ 78,000 |
| Oconto, Wisconsin | 2 | $ 270,000 | $ 135,000 | $ 96,000 |
| Sawyer, Wisconsin | 2 | $ 760,000 | $ 380,000 | $ 115,000 |
| Vilas, Wisconsin | 2 | $ 390,000 | $ 195,000 | $ 125,000 |
| Winnebago, Wisconsin | 2 | $ 280,000 | $ 140,000 | $ 95,000 |
| Lake, Minnesota | 1 | $ 175,000 | $ 175,000 | $ 44,000 |
| Renville, Minnesota | 1 | $ 155,000 | $ 155,000 | $ 78,000 |
| Winona, Minnesota | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Adams, Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Bayfield, Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 59,000 |
| Calumet, Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Crawford, Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Dane, Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 62,000 |
| Juneau, Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 24,000 |
| Marathon, Wisconsin | 1 | $ 335,000 | $ 335,000 | $ 111,000 |
| Marinette, Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 209,000 |
| Polk, Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 108,000 |
| Portage, Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 62,000 |
| Taylor, Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 78,000 |
| Vernon, Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Waukesha, Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Waupaca, Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 140,000 |
Mortgage Loan Application Detail Totals for Co-Op Credit Union in 2022
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 219 | $35,795,000 | $163,000 | $645,000 | $84,000 | $511,000 |
| Cash-out Refinancing | 189 | $28,215,000 | $149,000 | $825,000 | $77,000 | $737,000 |
| Refinancing | 80 | $11,010,000 | $137,000 | $655,000 | $78,000 | $312,000 |
| Other Purpose | 72 | $6,980,000 | $96,000 | $265,000 | $54,000 | $183,000 |
| Home Improvement | 3 | $505,000 | $168,000 | $275,000 | $52,000 | $158,000 |
| Not Applicable | 1 | $65,000 | $65,000 | $65,000 | $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 | 515 | $75,985,000 | $147,000 | $825,000 | $78,000 | $737,000 |
| Not applicable | 29 | $4,125,000 | $142,000 | $265,000 | $0 | $0 |
| Hispanic | 7 | $955,000 | $136,000 | $315,000 | $83,000 | $161,000 |
| Not Provided | 6 | $730,000 | $121,000 | $325,000 | $90,000 | $183,000 |
| American Indian or Alaskan Native | 4 | $480,000 | $120,000 | $205,000 | $76,000 | $134,000 |
| Asian | 2 | $170,000 | $85,000 | $135,000 | $96,000 | $104,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $125,000 | $125,000 | $125,000 | $100,000 | $100,000 |
| 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) | 564 | $82,570,000 | $146,000 | $825,000 | $78,000 | $737,000 |
| 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 | 496 | $73,890,000 | $148,000 | $825,000 | $80,000 | $737,000 |
| Application Withdrawn By Applicant | 36 | $4,600,000 | $127,000 | $655,000 | $70,000 | $307,000 |
| Application Denied By Financial Institution | 26 | $2,930,000 | $112,000 | $315,000 | $57,000 | $156,000 |
| Preapproval Denied by Financial Institution | 4 | $730,000 | $182,000 | $205,000 | $66,000 | $104,000 |
| File Closed For Incompleteness | 2 | $420,000 | $210,000 | $275,000 | $76,000 | $83,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 534 | $78,910,000 | $147,000 | $825,000 | $79,000 | $737,000 |
| Debt-To-Income Ratio | 15 | $1,815,000 | $121,000 | $275,000 | $44,000 | $88,000 |
| Credit History | 10 | $1,290,000 | $129,000 | $315,000 | $85,000 | $156,000 |
| Employment History | 2 | $310,000 | $155,000 | $295,000 | $50,000 | $68,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $140,000 | $70,000 | $75,000 | $33,000 | $33,000 |
| Other | 1 | $105,000 | $105,000 | $105,000 | $57,000 | $57,000 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Co-Op Credit Union's 2022 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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