Westconsin Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Westconsin Credit Union 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Westconsin Credit Union 444 Broadway Menomonie, WI 54751 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,667 |
| Total Mortgage Loan Application Amount | $717,555,000 |
| Average Mortgage Loan Application Amount | $122,200 |
| Highest Mortgage Loan Application Amount | $5,255,000 |
| Average Applicant Income | $92,200 |
| Highest Applicant Income | $1,445,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Westconsin Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Westconsin Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Westconsin Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Westconsin Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Westconsin Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Westconsin Credit Union's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Croix County Wisconsin | 1,178 | $ 200,630,000 | $ 170,000 | $ 99,000 |
| Dunn County Wisconsin | 761 | $ 110,165,000 | $ 144,000 | $ 85,000 |
| Pierce County Wisconsin | 548 | $ 91,110,000 | $ 166,000 | $ 101,000 |
| Barron County Wisconsin | 487 | $ 60,755,000 | $ 124,000 | $ 75,000 |
| Eau Claire County Wisconsin | 407 | $ 63,765,000 | $ 156,000 | $ 86,000 |
| Polk County Wisconsin | 377 | $ 52,565,000 | $ 139,000 | $ 82,000 |
| Chippewa County Wisconsin | 340 | $ 50,150,000 | $ 147,000 | $ 80,000 |
| Pepin County Wisconsin | 70 | $ 9,400,000 | $ 134,000 | $ 75,000 |
| Washburn County Wisconsin | 50 | $ 6,660,000 | $ 133,000 | $ 85,000 |
| Washington County Minnesota | 44 | $ 10,720,000 | $ 243,000 | $ 119,000 |
| Rusk County Wisconsin | 43 | $ 4,335,000 | $ 100,000 | $ 74,000 |
| Dakota County Minnesota | 38 | $ 6,760,000 | $ 177,000 | $ 114,000 |
| Buffalo County Wisconsin | 38 | $ 4,790,000 | $ 126,000 | $ 80,000 |
| Burnett County Wisconsin | 38 | $ 6,000,000 | $ 157,000 | $ 112,000 |
| Sawyer County Wisconsin | 35 | $ 5,295,000 | $ 151,000 | $ 117,000 |
| Trempealeau County Wisconsin | 29 | $ 4,295,000 | $ 148,000 | $ 102,000 |
| Ramsey County Minnesota | 25 | $ 4,825,000 | $ 193,000 | $ 91,000 |
| Bayfield County Wisconsin | 16 | $ 2,030,000 | $ 126,000 | $ 109,000 |
| Hennepin County Minnesota | 15 | $ 2,905,000 | $ 193,000 | $ 101,000 |
| Goodhue County Minnesota | 13 | $ 2,755,000 | $ 211,000 | $ 128,000 |
| Clark County Wisconsin | 11 | $ 1,385,000 | $ 125,000 | $ 101,000 |
| Douglas County Wisconsin | 10 | $ 1,180,000 | $ 118,000 | $ 99,000 |
| Jackson County Wisconsin | 9 | $ 1,135,000 | $ 126,000 | $ 82,000 |
| Price County Wisconsin | 8 | $ 970,000 | $ 121,000 | $ 115,000 |
| Chisago County Minnesota | 7 | $ 1,395,000 | $ 199,000 | $ 87,000 |
| Taylor County Wisconsin | 7 | $ 895,000 | $ 127,000 | $ 44,000 |
| Anoka County Minnesota | 6 | $ 1,050,000 | $ 175,000 | $ 83,000 |
| Marathon County Wisconsin | 6 | $ 830,000 | $ 138,000 | $ 65,000 |
| Waupaca County Wisconsin | 3 | $ 355,000 | $ 118,000 | $ 99,000 |
| Cook County Minnesota | 2 | $ 310,000 | $ 155,000 | $ 138,000 |
| Hubbard County Minnesota | 2 | $ 450,000 | $ 225,000 | $ 14,000 |
| Olmsted County Minnesota | 2 | $ 790,000 | $ 395,000 | $ 161,000 |
| Rice County Minnesota | 2 | $ 540,000 | $ 270,000 | $ 123,000 |
| Scott County Minnesota | 2 | $ 490,000 | $ 245,000 | $ 175,000 |
| Brown County Wisconsin | 2 | $ 410,000 | $ 205,000 | $ 55,000 |
| Green Lake County Wisconsin | 2 | $ 210,000 | $ 105,000 | $ 44,000 |
| Lafayette County Wisconsin | 2 | $ 50,000 | $ 25,000 | $ 113,000 |
| Lincoln County Wisconsin | 2 | $ 280,000 | $ 140,000 | $ 95,000 |
| Marinette County Wisconsin | 2 | $ 130,000 | $ 65,000 | $ 55,000 |
| Oneida County Wisconsin | 2 | $ 250,000 | $ 125,000 | $ 97,000 |
| Cass County Minnesota | 1 | $ 195,000 | $ 195,000 | $ 200,000 |
| Clay County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 38,000 |
| Isanti County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Itasca County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Lake County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 163,000 |
| McLeod County Minnesota | 1 | $ 515,000 | $ 515,000 | $ 210,000 |
| Renville County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| St. Louis County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 245,000 |
| Stearns County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 96,000 |
| Swift County Minnesota | 1 | $ 185,000 | $ 185,000 | $ 33,000 |
| Wright County Minnesota | 1 | $ 205,000 | $ 205,000 | $ 175,000 |
| Adams County Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 165,000 |
| Columbia County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 75,000 |
| Crawford County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Dane County Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 111,000 |
| Iowa County Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 114,000 |
| Kenosha County Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 125,000 |
| La Crosse County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Monroe County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 80,000 |
| Oconto County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 80,000 |
| Ozaukee County Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 86,000 |
| Portage County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 34,000 |
| Shawano County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 105,000 |
| Walworth County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Waukesha County Wisconsin | 1 | $ 355,000 | $ 355,000 | $ 140,000 |
| Winnebago County Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for Westconsin Credit Union in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,452 | $240,340,000 | $165,000 | $795,000 | $93,000 | $1,046,000 |
| Cash-out Refinancing | 1,284 | $207,320,000 | $161,000 | $895,000 | $91,000 | $1,046,000 |
| Home Purchase | 1,279 | $237,465,000 | $185,000 | $5,255,000 | $83,000 | $508,000 |
| Home Improvement | 363 | $15,955,000 | $43,000 | $255,000 | $95,000 | $333,000 |
| Other Purpose | 289 | $16,475,000 | $57,000 | $255,000 | $99,000 | $1,445,000 |
| 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 | 4,171 | $634,835,000 | $152,000 | $915,000 | $89,000 | $1,445,000 |
| Not Provided | 348 | $47,510,000 | $136,000 | $655,000 | $100,000 | $508,000 |
| Not applicable | 59 | $20,415,000 | $346,000 | $5,255,000 | $0 | $0 |
| Hispanic | 29 | $3,635,000 | $125,000 | $365,000 | $73,000 | $163,000 |
| Asian | 20 | $3,810,000 | $190,000 | $295,000 | $72,000 | $132,000 |
| American Indian or Alaskan Native | 18 | $3,410,000 | $189,000 | $485,000 | $115,000 | $401,000 |
| Black or African American | 13 | $2,545,000 | $195,000 | $495,000 | $93,000 | $387,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $595,000 | $198,000 | $265,000 | $83,000 | $151,000 |
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) | 4,604 | $707,200,000 | $153,000 | $5,255,000 | $91,000 | $1,445,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 63 | $10,355,000 | $164,000 | $325,000 | $52,000 | $144,000 |
| 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 | 3,047 | $470,495,000 | $154,000 | $5,255,000 | $93,000 | $508,000 |
| Application Denied By Financial Institution | 702 | $91,690,000 | $130,000 | $795,000 | $64,000 | $310,000 |
| Application Withdrawn By Applicant | 620 | $106,240,000 | $171,000 | $655,000 | $104,000 | $1,445,000 |
| File Closed For Incompleteness | 297 | $48,995,000 | $164,000 | $515,000 | $91,000 | $560,000 |
| Application Approved But Not Accepted | 1 | $135,000 | $135,000 | $135,000 | $56,000 | $56,000 |
| 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 | 3,965 | $625,865,000 | $157,000 | $5,255,000 | $95,000 | $1,445,000 |
| Debt-To-Income Ratio | 352 | $47,100,000 | $133,000 | $745,000 | $54,000 | $204,000 |
| Credit History | 232 | $28,970,000 | $124,000 | $795,000 | $76,000 | $226,000 |
| Collateral | 46 | $4,750,000 | $103,000 | $345,000 | $81,000 | $176,000 |
| Other | 25 | $4,085,000 | $163,000 | $495,000 | $91,000 | $310,000 |
| Employment History | 24 | $3,630,000 | $151,000 | $345,000 | $52,000 | $121,000 |
| Unverifiable Information | 12 | $1,500,000 | $125,000 | $225,000 | $34,000 | $89,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,655,000 | $150,000 | $215,000 | $73,000 | $122,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Westconsin Credit Union's 2020 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 Westconsin 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.