Co-Op Credit Union Mortgage Lending & HMDA Data, 2023
In 2023, Co-Op Credit Union of Black River Falls, WI reported 415 mortgage applications totaling $62.7 million, down 26% from 2022. The average application was for $151,024, and applicants reported an average income of $85,296. 89% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Eau Claire, WI (60), La Crosse-Onalaska, WI-MN (46) and Madison, 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 | 415 |
| Total Mortgage Loan Application Amount | $62,675,000 |
| Average Mortgage Loan Application Amount | $151,024 |
| Highest Mortgage Loan Application Amount | $1,185,000 |
| Average Applicant Income | $85,296 |
| Highest Applicant Income | $2,193,000 |
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Act (HMDA) records Co-Op Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 178 | $ 24,410,000 | $ 137,134 | $ 90,000 |
| Trempealeau, Wisconsin | 63 | $ 9,145,000 | $ 145,158 | $ 91,000 |
| Eau Claire, Wisconsin | 49 | $ 6,745,000 | $ 137,653 | $ 76,000 |
| La Crosse, Wisconsin | 44 | $ 8,340,000 | $ 189,545 | $ 70,000 |
| Clark, Wisconsin | 23 | $ 4,405,000 | $ 191,521 | $ 71,000 |
| Monroe, Wisconsin | 12 | $ 2,480,000 | $ 206,666 | $ 84,000 |
| Chippewa, Wisconsin | 11 | $ 1,075,000 | $ 97,727 | $ 87,000 |
| Buffalo, Wisconsin | 4 | $ 450,000 | $ 112,500 | $ 62,000 |
| Dunn, Wisconsin | 4 | $ 860,000 | $ 215,000 | $ 54,000 |
| Dane, Wisconsin | 3 | $ 975,000 | $ 325,000 | $ 190,000 |
| Vernon, Wisconsin | 3 | $ 475,000 | $ 158,333 | $ 50,000 |
| Pinal, Arizona | 2 | $ 160,000 | $ 80,000 | $ 42,000 |
| Houston, Minnesota | 2 | $ 530,000 | $ 265,000 | $ 131,000 |
| Sawyer, Wisconsin | 2 | $ 190,000 | $ 95,000 | $ 120,000 |
| Wabasha, Minnesota | 1 | $ 35,000 | $ 35,000 | $ 92,000 |
| Wadena, Minnesota | 1 | $ 105,000 | $ 105,000 | $ 211,000 |
| Adams, Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 86,000 |
| Calumet, Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 34,000 |
| Crawford, Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Dodge, Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 52,000 |
| Grant, Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 144,000 |
| Milwaukee, Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 79,000 |
| Outagamie, Wisconsin | 1 | $ 345,000 | $ 345,000 | $ 216,000 |
| Rock, Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 81,000 |
| Sauk, Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 110,000 |
| St. Croix, Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 277,000 |
| Vilas, Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 0 |
Mortgage Loan Application Detail Totals for Co-Op Credit Union in 2023
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 | 185 | $28,105,000 | $151,000 | $565,000 | $85,000 | $377,000 |
| Other Purpose | 98 | $13,020,000 | $132,000 | $1,185,000 | $75,000 | $267,000 |
| Cash-out Refinancing | 88 | $13,140,000 | $149,000 | $585,000 | $98,000 | $2,193,000 |
| Refinancing | 43 | $8,275,000 | $192,000 | $655,000 | $85,000 | $277,000 |
| Home Improvement | 1 | $135,000 | $135,000 | $135,000 | $44,000 | $44,000 |
| 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 | 359 | $52,285,000 | $145,000 | $1,185,000 | $87,000 | $2,193,000 |
| Not applicable | 27 | $5,905,000 | $218,000 | $1,155,000 | $0 | $0 |
| American Indian or Alaskan Native | 10 | $1,350,000 | $135,000 | $405,000 | $84,000 | $246,000 |
| Hispanic | 9 | $1,085,000 | $120,000 | $305,000 | $52,000 | $113,000 |
| Not Provided | 5 | $885,000 | $177,000 | $385,000 | $122,000 | $237,000 |
| Asian | 4 | $840,000 | $210,000 | $455,000 | $62,000 | $130,000 |
| Black or African American | 1 | $325,000 | $325,000 | $325,000 | $45,000 | $45,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 415 | $62,675,000 | $151,000 | $1,185,000 | $86,000 | $2,193,000 |
| 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 | 371 | $56,515,000 | $152,000 | $1,155,000 | $89,000 | $2,193,000 |
| Application Withdrawn By Applicant | 23 | $4,165,000 | $181,000 | $1,185,000 | $75,000 | $177,000 |
| Application Denied By Financial Institution | 16 | $1,670,000 | $104,000 | $325,000 | $59,000 | $171,000 |
| Preapproval Denied by Financial Institution | 3 | $265,000 | $88,000 | $105,000 | $46,000 | $59,000 |
| Application Approved But Not Accepted | 2 | $60,000 | $30,000 | $35,000 | $52,000 | $65,000 |
| File Closed For Incompleteness | 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 | 396 | $60,740,000 | $153,000 | $1,185,000 | $88,000 | $2,193,000 |
| Credit History | 8 | $690,000 | $86,000 | $165,000 | $47,000 | $96,000 |
| Debt-To-Income Ratio | 8 | $1,000,000 | $125,000 | $325,000 | $54,000 | $171,000 |
| Other | 2 | $210,000 | $105,000 | $115,000 | $102,000 | $148,000 |
| Collateral | 1 | $35,000 | $35,000 | $35,000 | $68,000 | $68,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2023 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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