Applications / Mortgage Analytics / Lenders / Wisconsin / UW Credit Union
Madison, WI · Credit union · NCUA · $6.3 billion assets · 8,896 loans in 2025
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8,896
loans originated, 2025
12,002
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
UW Credit Union remains the second-largest lender in Madison, but its share there slipped in 2025 and its growth of 5% trailed the 10% of similar lenders and of the whole market.
It made 8,896 loans, more than in 2024 but well short of the 15,148 of 2020. Its growth was lower than about two-thirds of similar lenders (credit unions making between half and twice as many loans). Refinance was still its largest purpose at 34.8%.
In Madison it ranks 2 of 380 behind Summit Credit Union, and its share fell 1.3 points to 13.5%. In Janesville-Beloit its share rose 4.2 points to 8.3%, also second. A slip in a market it leads could reflect a quieter year for its members or competitors' pricing.
Higher-priced loans (a rate well above the average for similar loans) were 0.0%, among the lowest of similar lenders, and jumbo loans (larger than the conforming limit) 0.4%. It turned down 2.4% of first-lien home-purchase applications and 14.0% of refinance applications, each lower than about four in five similar lenders.
Loans to LMI (low- and moderate-income) borrowers were 22.1% against 25.6%, lower than about seven in ten similar lenders, and lending in majority-minority areas 6.0% against 8.8%. Its Wisconsin markets may simply have fewer such areas than peers' markets.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. UW Credit Union took 12,002 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 34.8% · Purchase 23.5% · Home improvement 23.4% · Other 18.3%
Conventional 99.7% · FHA 0.2% · VA 0.1% · of 8,896 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Wisconsin | 8,766 | 98.5% |
| Illinois | 74 | 0.8% |
| Minnesota | 56 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Madison | 4,416 |
| Milwaukee-Waukesha | 2,653 |
| Janesville-Beloit | 288 |
| Racine-Mount Pleasant | 108 |
| Green Bay | 87 |
| Oshkosh-Neenah | 71 |
| Appleton | 52 |
| Minneapolis-St. Paul-Bloomington | 49 |
| Kenosha | 47 |
| Sheboygan | 43 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900CN1DD55MJDFH69 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 789097 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566492 | 1990–2017 |
Established 1 January 1931. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: UW Credit Union's data.
UW Credit Union's data
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UW Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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