Westby Co-Op Credit Union Mortgage Lending & HMDA Data, 2023
In 2023, Westby Co-Op Credit Union of Westby, WI reported 585 mortgage applications totaling $73.7 million, down 35% from 2022. The average application was for $126,042, and applicants reported an average income of $92,830. 84% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Madison, WI (53), La Crosse-Onalaska, WI-MN (9) and Eau Claire, WI (1) (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 | 585 |
| Total Mortgage Loan Application Amount | $73,735,000 |
| Average Mortgage Loan Application Amount | $126,042 |
| Highest Mortgage Loan Application Amount | $755,000 |
| Average Applicant Income | $92,830 |
| Highest Applicant Income | $962,000 |
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records Westby Co-Op Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 189 | $ 27,585,000 | $ 145,952 | $ 108,000 |
| Vernon, Wisconsin | 115 | $ 14,405,000 | $ 125,260 | $ 97,000 |
| Richland, Wisconsin | 85 | $ 8,945,000 | $ 105,235 | $ 77,000 |
| Columbia, Wisconsin | 39 | $ 4,785,000 | $ 122,692 | $ 97,000 |
| Adams, Wisconsin | 25 | $ 2,245,000 | $ 89,800 | $ 67,000 |
| Juneau, Wisconsin | 25 | $ 2,625,000 | $ 105,000 | $ 70,000 |
| Crawford, Wisconsin | 23 | $ 2,425,000 | $ 105,434 | $ 72,000 |
| Monroe, Wisconsin | 17 | $ 2,485,000 | $ 146,176 | $ 80,000 |
| Grant, Wisconsin | 16 | $ 1,660,000 | $ 103,750 | $ 83,000 |
| Marquette, Wisconsin | 16 | $ 1,810,000 | $ 113,125 | $ 70,000 |
| Iowa, Wisconsin | 11 | $ 745,000 | $ 67,727 | $ 64,000 |
| La Crosse, Wisconsin | 9 | $ 1,195,000 | $ 132,777 | $ 100,000 |
| Dane, Wisconsin | 3 | $ 665,000 | $ 221,666 | $ 129,000 |
| Buffalo, Wisconsin | 2 | $ 100,000 | $ 50,000 | $ 113,000 |
| Barron, Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 102,000 |
| Eau Claire, Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 151,000 |
| Green Lake, Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 17,000 |
| Kenosha, Wisconsin | 1 | $ 275,000 | $ 275,000 | $ 76,000 |
| Marathon, Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 89,000 |
| Milwaukee, Wisconsin | 1 | $ 295,000 | $ 295,000 | $ 189,000 |
| Oneida, Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 86,000 |
| Price, Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 207,000 |
| Waushara, Wisconsin | 1 | $ 465,000 | $ 465,000 | $ 213,000 |
| Wood, Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
Mortgage Loan Application Detail Totals for Westby 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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 337 | $27,245,000 | $80,000 | $755,000 | $87,000 | $368,000 |
| Home Purchase | 201 | $37,635,000 | $187,000 | $695,000 | $102,000 | $962,000 |
| Refinancing | 42 | $8,600,000 | $204,000 | $695,000 | $95,000 | $346,000 |
| Home Improvement | 5 | $255,000 | $51,000 | $85,000 | $99,000 | $163,000 |
| 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 | 549 | $67,525,000 | $122,000 | $755,000 | $91,000 | $477,000 |
| Not applicable | 18 | $3,480,000 | $193,000 | $485,000 | $0 | $0 |
| Hispanic | 9 | $1,295,000 | $143,000 | $305,000 | $76,000 | $135,000 |
| Not Provided | 4 | $640,000 | $160,000 | $265,000 | $161,000 | $305,000 |
| American Indian or Alaskan Native | 2 | $300,000 | $150,000 | $275,000 | $38,000 | $55,000 |
| Asian | 2 | $470,000 | $235,000 | $245,000 | $572,000 | $962,000 |
| Black or African American | 1 | $25,000 | $25,000 | $25,000 | $110,000 | $110,000 |
| 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) | 580 | $73,100,000 | $126,000 | $755,000 | $93,000 | $962,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $635,000 | $127,000 | $185,000 | $57,000 | $89,000 |
| 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 | 494 | $62,130,000 | $125,000 | $755,000 | $92,000 | $477,000 |
| Application Withdrawn By Applicant | 63 | $8,365,000 | $132,000 | $345,000 | $109,000 | $962,000 |
| Application Denied By Financial Institution | 16 | $1,920,000 | $120,000 | $305,000 | $59,000 | $121,000 |
| File Closed For Incompleteness | 7 | $655,000 | $93,000 | $215,000 | $79,000 | $129,000 |
| Application Approved But Not Accepted | 5 | $665,000 | $133,000 | $275,000 | $62,000 | $76,000 |
| 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 | 569 | $71,815,000 | $126,000 | $755,000 | $93,000 | $962,000 |
| Debt-To-Income Ratio | 8 | $1,300,000 | $162,000 | $305,000 | $51,000 | $105,000 |
| Credit History | 5 | $435,000 | $87,000 | $155,000 | $58,000 | $121,000 |
| Collateral | 2 | $30,000 | $15,000 | $15,000 | $86,000 | $86,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $155,000 | $155,000 | $155,000 | $66,000 | $66,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 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 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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