Westby Co-Op Credit Union Mortgage Lending & HMDA Data, 2022
In 2022, Westby Co-Op Credit Union of Westby, WI reported 904 mortgage applications totaling $128.0 million. The average application was for $141,626, and applicants reported an average income of $90,250. 66% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Madison, WI (48), La Crosse-Onalaska, WI-MN (17) and Racine, WI (4) (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 | 904 |
| Total Mortgage Loan Application Amount | $128,030,000 |
| Average Mortgage Loan Application Amount | $141,626 |
| Highest Mortgage Loan Application Amount | $1,295,000 |
| Average Applicant Income | $90,250 |
| Highest Applicant Income | $2,402,000 |
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records Westby Co-Op Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sauk, Wisconsin | 253 | $ 39,215,000 | $ 155,000 | $ 96,000 |
| Vernon, Wisconsin | 177 | $ 22,485,000 | $ 127,033 | $ 91,000 |
| Richland, Wisconsin | 135 | $ 16,295,000 | $ 120,703 | $ 80,000 |
| Juneau, Wisconsin | 61 | $ 8,895,000 | $ 145,819 | $ 82,000 |
| Crawford, Wisconsin | 45 | $ 6,435,000 | $ 143,000 | $ 84,000 |
| Adams, Wisconsin | 40 | $ 4,470,000 | $ 111,750 | $ 72,000 |
| Grant, Wisconsin | 38 | $ 4,140,000 | $ 108,947 | $ 63,000 |
| Monroe, Wisconsin | 32 | $ 5,880,000 | $ 183,750 | $ 163,000 |
| Columbia, Wisconsin | 31 | $ 5,195,000 | $ 167,580 | $ 86,000 |
| Marquette, Wisconsin | 21 | $ 3,135,000 | $ 149,285 | $ 87,000 |
| La Crosse, Wisconsin | 17 | $ 3,025,000 | $ 177,941 | $ 111,000 |
| Dane, Wisconsin | 8 | $ 2,310,000 | $ 288,750 | $ 108,000 |
| Iowa, Wisconsin | 8 | $ 1,000,000 | $ 125,000 | $ 75,000 |
| Jackson, Wisconsin | 4 | $ 220,000 | $ 55,000 | $ 30,000 |
| Racine, Wisconsin | 4 | $ 480,000 | $ 120,000 | $ 0 |
| Wood, Wisconsin | 4 | $ 280,000 | $ 70,000 | $ 21,000 |
| Marathon, Wisconsin | 3 | $ 695,000 | $ 231,666 | $ 60,000 |
| Milwaukee, Wisconsin | 3 | $ 565,000 | $ 188,333 | $ 40,000 |
| Vilas, Wisconsin | 3 | $ 975,000 | $ 325,000 | $ 234,000 |
| Barron, Wisconsin | 2 | $ 460,000 | $ 230,000 | $ 136,000 |
| Dodge, Wisconsin | 2 | $ 270,000 | $ 135,000 | $ 85,000 |
| Oneida, Wisconsin | 2 | $ 300,000 | $ 150,000 | $ 77,000 |
| Washburn, Wisconsin | 2 | $ 100,000 | $ 50,000 | $ 50,000 |
| Clayton, Iowa | 1 | $ 145,000 | $ 145,000 | $ 53,000 |
| Eau Claire, Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 122,000 |
| Green, Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Jefferson, Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 97,000 |
| Lafayette, Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 12,000 |
| Portage, Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 50,000 |
| Price, Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 120,000 |
| Rusk, Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| Waushara, Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
Mortgage Loan Application Detail Totals for Westby 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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 393 | $36,265,000 | $92,000 | $755,000 | $89,000 | $2,402,000 |
| Home Purchase | 374 | $68,220,000 | $182,000 | $1,295,000 | $87,000 | $441,000 |
| Refinancing | 125 | $20,545,000 | $164,000 | $695,000 | $104,000 | $1,166,000 |
| Other Purpose | 7 | $2,455,000 | $350,000 | $545,000 | $113,000 | $143,000 |
| Home Improvement | 5 | $545,000 | $109,000 | $215,000 | $56,000 | $85,000 |
| 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 | 803 | $110,225,000 | $137,000 | $755,000 | $91,000 | $2,402,000 |
| Not applicable | 60 | $11,790,000 | $196,000 | $1,295,000 | $0 | $0 |
| Hispanic | 20 | $2,300,000 | $115,000 | $255,000 | $60,000 | $112,000 |
| Not Provided | 11 | $2,405,000 | $218,000 | $555,000 | $108,000 | $190,000 |
| American Indian or Alaskan Native | 6 | $850,000 | $141,000 | $285,000 | $47,000 | $87,000 |
| Asian | 2 | $320,000 | $160,000 | $185,000 | $119,000 | $175,000 |
| Black or African American | 1 | $25,000 | $25,000 | $25,000 | $53,000 | $53,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $115,000 | $115,000 | $115,000 | $80,000 | $80,000 |
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) | 885 | $125,425,000 | $141,000 | $1,295,000 | $91,000 | $2,402,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $2,605,000 | $137,000 | $265,000 | $59,000 | $109,000 |
| 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 | 597 | $83,855,000 | $140,000 | $645,000 | $92,000 | $1,166,000 |
| Application Withdrawn By Applicant | 164 | $23,150,000 | $141,000 | $1,295,000 | $96,000 | $2,402,000 |
| File Closed For Incompleteness | 68 | $10,500,000 | $154,000 | $695,000 | $84,000 | $500,000 |
| Application Denied By Financial Institution | 59 | $7,845,000 | $132,000 | $405,000 | $66,000 | $182,000 |
| Application Approved But Not Accepted | 15 | $2,525,000 | $168,000 | $345,000 | $73,000 | $134,000 |
| Preapproval Denied by Financial Institution | 1 | $155,000 | $155,000 | $155,000 | $84,000 | $84,000 |
| 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 | 844 | $120,030,000 | $142,000 | $1,295,000 | $92,000 | $2,402,000 |
| Credit History | 23 | $3,565,000 | $155,000 | $285,000 | $70,000 | $182,000 |
| Debt-To-Income Ratio | 20 | $2,170,000 | $108,000 | $315,000 | $58,000 | $143,000 |
| Credit Application Incomplete | 7 | $825,000 | $117,000 | $205,000 | $76,000 | $170,000 |
| Collateral | 6 | $1,010,000 | $168,000 | $405,000 | $61,000 | $102,000 |
| Unverifiable Information | 2 | $270,000 | $135,000 | $175,000 | $67,000 | $110,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $96,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $79,000 | $79,000 |
| Mortgage Insurance Denied | 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 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 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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