Applications / Mortgage Analytics / Lenders / Wisconsin / Altra Federal Credit Union
Onalaska, WI · Credit union · NCUA · $3.0 billion assets · 2,835 loans in 2025
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2,835
loans originated, 2025
3,591
applications, 2025
22
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Altra Federal Credit Union is the largest mortgage lender in La Crosse-Onalaska, and in 2025 it grew 12%, a little faster than the typical similar credit union, though it made about half as many loans as in 2020.
Altra has lent in La Crosse-Onalaska since before 1990 and ranks 1 of 213 lenders there, but its share fell from 28.2% to 23.8%, down 4.4 points. Its own lending rose overall, from $494.3 million to $616.8 million, so the lower share may reflect a home market that grew faster than its lending there, or growth placed in markets such as Tyler.
It ranks 2 of 345 lenders in Tyler, TX, where its share rose from 3.9% to 6.4%, and 6 of 397 in Clarksville, KY-TN, where it rose from 1.9% to 2.5%. It lends in 22 states.
Among similar lenders (credit unions making between half and twice as many loans), its typical loan of $145,000 was higher than about two-thirds of them; the typical peer lent $105,000.
Its share of loans to LMI (low- and moderate-income) borrowers, 27.0%, was near the middle of its peers. But 10.0% of its loans were in LMI areas, among the lowest tenth, against 14.7% for the typical peer, and 4.0% were in majority-minority areas, against 10.5%. This may reflect the markets it lends in, led by La Crosse-Onalaska and non-metro Wisconsin.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Altra Federal Credit Union took 3,591 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 35.4% · Refinance 28.0% · Home improvement 19.9% · Other 16.6%
Conventional 97.6% · VA 1.5% · FHA 0.9% · of 2,835 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 | 1,466 | 51.7% |
| Minnesota | 599 | 21.1% |
| Texas | 361 | 12.7% |
| Tennessee | 309 | 10.9% |
| Kentucky | 19 | 0.7% |
| Florida | 16 | 0.6% |
| Iowa | 13 | 0.5% |
| New Jersey | 13 | 0.5% |
| Georgia | 7 | 0.2% |
| Colorado | 5 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| La Crosse-Onalaska | 1,263 |
| Tyler | 239 |
| Clarksville | 228 |
| Rochester | 162 |
| Nashville-Davidson--Murfreesboro--Franklin | 62 |
| Minneapolis-St. Paul-Bloomington | 42 |
| Eau Claire | 16 |
| Longview | 16 |
| Madison | 12 |
| Milwaukee-Waukesha | 9 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300A0SVCQJPHVGV20 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 855497 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524077 | 1990–2017 |
Established 1 January 1931. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Altra Federal Credit Union's data.
Altra Federal Credit Union's data
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Altra Federal 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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