Westby Co-Op Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Westby Co-Op Credit Union of Westby, WI reported 506 mortgage applications totaling $68.9 million, up 1% from 2024. The average application was for $136,146, and applicants reported an average income of $102,017. 76% of its applications resulted in an originated loan and 3% were denied. Its largest markets were La Crosse-Onalaska, WI-MN (100), Madison, WI (29) and Milwaukee-Waukesha-West Allis, WI (2) (applications in parentheses).
| Mortgage Company & Address | Westby Co-Op Credit Union 501 N Main St Westby, WI 54667 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 506 |
| Total Mortgage Loan Application Amount | $68,890,000 |
| Average Mortgage Loan Application Amount | $136,146 |
| Highest Mortgage Loan Application Amount | $805,000 |
| Average Applicant Income | $102,017 |
| Highest Applicant Income | $578,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Westby Co-Op Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Westby Co-Op Credit Union in 2025
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 | 327 | $30,425,000 | $93,000 | $665,000 | $95,000 | $573,000 |
| Home Purchase | 141 | $29,045,000 | $205,000 | $805,000 | $113,000 | $578,000 |
| Refinancing | 35 | $9,075,000 | $259,000 | $735,000 | $126,000 | $307,000 |
| Home Improvement | 3 | $345,000 | $115,000 | $255,000 | $71,000 | $94,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 449 | $58,535,000 | $130,000 | $735,000 | $101,000 | $578,000 |
| Not applicable | 31 | $6,255,000 | $201,000 | $805,000 | $0 | $0 |
| Hispanic | 15 | $2,245,000 | $149,000 | $285,000 | $86,000 | $142,000 |
| Not Provided | 7 | $1,275,000 | $182,000 | $575,000 | $139,000 | $283,000 |
| American Indian or Alaskan Native | 3 | $485,000 | $161,000 | $285,000 | $112,000 | $163,000 |
| Black or African American | 1 | $95,000 | $95,000 | $95,000 | $124,000 | $124,000 |
| Asian | 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) | 504 | $68,510,000 | $135,000 | $805,000 | $101,000 | $578,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $380,000 | $190,000 | $255,000 | $67,000 | $85,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 383 | $52,685,000 | $137,000 | $805,000 | $104,000 | $578,000 |
| Application Withdrawn By Applicant | 78 | $10,890,000 | $139,000 | $585,000 | $101,000 | $573,000 |
| File Closed For Incompleteness | 27 | $3,035,000 | $112,000 | $345,000 | $76,000 | $190,000 |
| Application Denied By Financial Institution | 16 | $1,920,000 | $120,000 | $375,000 | $73,000 | $150,000 |
| Application Approved But Not Accepted | 2 | $360,000 | $180,000 | $325,000 | $141,000 | $147,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 490 | $66,970,000 | $136,000 | $805,000 | $102,000 | $578,000 |
| Debt-To-Income Ratio | 7 | $605,000 | $86,000 | $125,000 | $63,000 | $135,000 |
| Collateral | 4 | $390,000 | $97,000 | $235,000 | $68,000 | $84,000 |
| Other | 3 | $645,000 | $215,000 | $375,000 | $101,000 | $150,000 |
| Unverifiable Information | 1 | $25,000 | $25,000 | $25,000 | $87,000 | $87,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $255,000 | $255,000 | $255,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Westby Co-Op Credit Union's 2025 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 Westby 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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