Co-Op Credit Union Mortgage Lending & HMDA Data, 2021
In 2021, Co-Op Credit Union of Black River Falls, WI reported 739 mortgage applications totaling $100.1 million, down 6% from 2020. The average application was for $135,473, and applicants reported an average income of $71,610. 89% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Eau Claire, WI (97), La Crosse-Onalaska, WI-MN (40) and Minneapolis-St. Paul-Bloomington, MN-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 | 739 |
| Total Mortgage Loan Application Amount | $100,115,000 |
| Average Mortgage Loan Application Amount | $135,473 |
| Highest Mortgage Loan Application Amount | $1,355,000 |
| Average Applicant Income | $71,610 |
| Highest Applicant Income | $408,000 |
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Act (HMDA) records Co-Op Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Co-Op Credit Union in 2021
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 | 283 | $41,915,000 | $148,000 | $1,285,000 | $81,000 | $349,000 |
| Home Purchase | 260 | $33,940,000 | $130,000 | $495,000 | $68,000 | $258,000 |
| Refinancing | 144 | $19,630,000 | $136,000 | $1,355,000 | $78,000 | $408,000 |
| Other Purpose | 51 | $4,405,000 | $86,000 | $235,000 | $20,000 | $144,000 |
| Home Improvement | 1 | $225,000 | $225,000 | $225,000 | $65,000 | $65,000 |
| 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 | 711 | $96,855,000 | $136,000 | $1,355,000 | $72,000 | $408,000 |
| Not applicable | 8 | $850,000 | $106,000 | $205,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $655,000 | $93,000 | $175,000 | $60,000 | $120,000 |
| Hispanic | 5 | $645,000 | $129,000 | $205,000 | $82,000 | $124,000 |
| Not Provided | 4 | $790,000 | $197,000 | $345,000 | $107,000 | $135,000 |
| Black or African American | 2 | $250,000 | $125,000 | $185,000 | $29,000 | $32,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 739 | $100,115,000 | $135,000 | $1,355,000 | $72,000 | $408,000 |
| 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 | 660 | $88,770,000 | $134,000 | $1,355,000 | $74,000 | $408,000 |
| Application Withdrawn By Applicant | 43 | $5,105,000 | $118,000 | $365,000 | $67,000 | $189,000 |
| Application Denied By Financial Institution | 24 | $3,870,000 | $161,000 | $845,000 | $51,000 | $181,000 |
| Preapproval Denied by Financial Institution | 5 | $965,000 | $193,000 | $295,000 | $31,000 | $87,000 |
| File Closed For Incompleteness | 4 | $590,000 | $147,000 | $235,000 | $68,000 | $91,000 |
| Application Approved But Not Accepted | 3 | $815,000 | $271,000 | $605,000 | $53,000 | $92,000 |
| 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 | 710 | $95,280,000 | $134,000 | $1,355,000 | $73,000 | $408,000 |
| Debt-To-Income Ratio | 15 | $2,455,000 | $163,000 | $425,000 | $35,000 | $82,000 |
| Credit History | 12 | $1,480,000 | $123,000 | $255,000 | $54,000 | $87,000 |
| Unverifiable Information | 1 | $845,000 | $845,000 | $845,000 | $181,000 | $181,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $25,000 | $25,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Co-Op Credit Union's 2021 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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