Co-Op Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, Co-Op Credit Union of Black River Falls, WI reported 503 mortgage applications totaling $56.2 million, up 26% from 2018. The average application was for $111,799, and applicants reported an average income of $70,530. 87% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Eau Claire, WI (60), La Crosse-Onalaska, WI-MN (28) and Janesville-Beloit, WI (2) (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 | 503 |
| Total Mortgage Loan Application Amount | $56,235,000 |
| Average Mortgage Loan Application Amount | $111,799 |
| Highest Mortgage Loan Application Amount | $435,000 |
| Average Applicant Income | $70,530 |
| Highest Applicant Income | $726,000 |
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Act (HMDA) records Co-Op Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 398 | $ 44,140,000 | $ 110,904 | $ 69,773 |
| Eau Claire, WI | 60 | $ 6,900,000 | $ 115,000 | $ 85,000 |
| La Crosse-Onalaska, WI-MN | 28 | $ 3,350,000 | $ 119,642 | $ 57,000 |
| Janesville-Beloit, WI | 2 | $ 120,000 | $ 60,000 | $ 82,000 |
| Madison, WI | 2 | $ 230,000 | $ 115,000 | $ 33,000 |
| Appleton, WI | 1 | $ 235,000 | $ 235,000 | $ 84,000 |
| Fond Du Lac, WI | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Green Bay, WI | 1 | $ 165,000 | $ 165,000 | $ 153,000 |
| Oshkosh-Neenah, WI | 1 | $ 135,000 | $ 135,000 | $ 113,000 |
| Rochester, MN | 1 | $ 25,000 | $ 25,000 | $ 0 |
Mortgage Loan Application Detail Totals for Co-Op Credit Union in 2019
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 | 206 | $24,300,000 | $117,000 | $385,000 | $70,000 | $726,000 |
| Cash-out Refinancing | 118 | $13,870,000 | $117,000 | $335,000 | $76,000 | $325,000 |
| Refinancing | 108 | $13,420,000 | $124,000 | $435,000 | $82,000 | $335,000 |
| Other Purpose | 64 | $3,760,000 | $58,000 | $245,000 | $43,000 | $157,000 |
| Not Applicable | 5 | $585,000 | $117,000 | $245,000 | $0 | $0 |
| Home Improvement | 2 | $300,000 | $150,000 | $185,000 | $64,000 | $71,000 |
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 | 477 | $53,575,000 | $112,000 | $435,000 | $71,000 | $726,000 |
| Hispanic | 8 | $890,000 | $111,000 | $235,000 | $79,000 | $212,000 |
| American Indian or Alaskan Native | 6 | $600,000 | $100,000 | $205,000 | $47,000 | $81,000 |
| Not Provided | 6 | $520,000 | $86,000 | $115,000 | $77,000 | $119,000 |
| Not applicable | 5 | $585,000 | $117,000 | $245,000 | $0 | $0 |
| Asian | 1 | $65,000 | $65,000 | $65,000 | $46,000 | $46,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 503 | $56,235,000 | $111,000 | $435,000 | $71,000 | $726,000 |
| 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 | 437 | $49,345,000 | $112,000 | $435,000 | $72,000 | $726,000 |
| Application Withdrawn By Applicant | 27 | $3,265,000 | $120,000 | $385,000 | $66,000 | $135,000 |
| Application Denied By Financial Institution | 26 | $2,430,000 | $93,000 | $265,000 | $58,000 | $230,000 |
| File Closed For Incompleteness | 4 | $300,000 | $75,000 | $175,000 | $39,000 | $56,000 |
| Preapproval Approved but not Accepted | 4 | $540,000 | $135,000 | $235,000 | $62,000 | $95,000 |
| Preapproval Denied by Financial Institution | 4 | $340,000 | $85,000 | $125,000 | $58,000 | $90,000 |
| Application Approved But Not Accepted | 1 | $15,000 | $15,000 | $15,000 | $100,000 | $100,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 473 | $53,465,000 | $113,000 | $435,000 | $71,000 | $726,000 |
| Debt-To-Income Ratio | 12 | $1,130,000 | $94,000 | $265,000 | $42,000 | $116,000 |
| Credit History | 11 | $825,000 | $75,000 | $195,000 | $74,000 | $230,000 |
| Collateral | 3 | $455,000 | $151,000 | $185,000 | $87,000 | $114,000 |
| Employment History | 2 | $120,000 | $60,000 | $65,000 | $30,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $135,000 | $135,000 | $135,000 | $51,000 | $51,000 |
| Other | 1 | $105,000 | $105,000 | $105,000 | $59,000 | $59,000 |
| Unverifiable Information | 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 2019 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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