Applications / Mortgage Analytics / Lenders / Wisconsin / Fox Communities Credit Union
Appleton, WI · Credit union · NCUA · $3.3 billion assets · 2,460 loans in 2025
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2,460
loans originated, 2025
3,069
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fox Communities Credit Union ranks 2 of 257 lenders in Appleton and lends to low- and moderate-income borrowers more than nearly all similar credit unions.
Low- and moderate-income (LMI) borrowers took 43.1% of its loans, against 27.5% for similar lenders (credit unions making between half and twice as many loans), higher than more than nine in ten. Its LMI-tract share, 18.2%, is higher than about four in five. Only 2.6% of loans were in majority-minority tracts against 11.2%, which may reflect northeast Wisconsin markets where such tracts may be few.
It ranks behind Community First Credit Union in Appleton, where its share rose to 7.0% from 6.5%, and 4 of 231 in Oshkosh-Neenah, up to 4.2% from 3.8%. In Green Bay, where it ranks 5 of 293, its share fell to 6.2% from 7.3%; one possibility is that more of its lending went to Appleton, Oshkosh and Milwaukee, where its shares rose.
Other-purpose loans made up 54.1% of originations, ahead of home purchase at 30.0% and refinancing at 15.7%. Its typical loan, $105,000, is smaller than about four in five similar lenders, and its typical rate, 6.49%, lower than about three in four.
It turned down 2.1% of first-lien home-purchase applications and 7.1% of refinance applications, against 6.2% and 19.0% for similar lenders. Originations rose 10% to 2,460, in line with similar lenders and the whole market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Fox Communities Credit Union took 3,069 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 54.1% · Purchase 30.0% · Refinance 15.7% · Home improvement 0.2%
Conventional 100.0% · of 2,460 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 | 2,436 | 99.0% |
| Michigan | 8 | 0.3% |
| Illinois | 2 | 0.1% |
| Minnesota | 2 | 0.1% |
| Tennessee | 2 | 0.1% |
| Florida | 1 | 0.0% |
| Georgia | 1 | 0.0% |
| New Jersey | 1 | 0.0% |
| Ohio | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Green Bay | 907 |
| Appleton | 747 |
| Oshkosh-Neenah | 248 |
| Milwaukee-Waukesha | 25 |
| Fond du Lac | 12 |
| Madison | 4 |
| Racine-Mount Pleasant | 4 |
| Sheboygan | 4 |
| Wausau | 4 |
| Chicago-Naperville-Schaumburg | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FUMS21JPQM1N03 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 941699 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566731 | 1990–2017 |
Established 1 January 1937. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Fox Communities Credit Union's data.
Fox Communities Credit Union's data
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Fox Communities 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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