Applications / Mortgage Analytics / Lenders / Wisconsin / Capital Credit Union
Green Bay, WI · Credit union · NCUA · $2.8 billion assets · 2,022 loans in 2025
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2,022
loans originated, 2025
2,910
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Capital Credit Union is a Wisconsin-only lender that ranked 4 of 293 in Green Bay and 4 of 257 in Appleton, gaining share in both in 2025.
Its share rose 0.8 points to 6.5% in Green Bay, 0.1 points to 4.7% in Appleton and 0.3 points to 2.4% in Oshkosh-Neenah, where it ranked 10 of 231. Community First Credit Union led all three. Originations rose 17% to 2,022, while similar lenders (credit unions making between half and twice as many loans) and the whole market both grew 10%.
LMI (low- and moderate-income) borrowers took 41.0% of its loans, against 26.7% at peers, higher than about nineteen in twenty. Its share in LMI areas, 17.7%, was also above peers' 14.9%. Majority-minority areas took 2.9%, against 12.0%; lending only in Wisconsin markets is one possible reason.
Refinances were 47.5% of its loans, home purchases 27.0% and home improvement 25.5%. Its typical rate, 6.25%, was lower than at more than four in five peers, and only 0.1% of loans were higher-priced (a rate well above the average for similar loans), against 1.5%. Its typical loan was $105,000, with almost no jumbo lending.
It turned down 13.1% of decided first-lien refinance applications on owner-occupied homes, against 20.3% at peers; for home purchases, 6.0% against 6.4%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Capital Credit Union took 2,910 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 47.5% · Purchase 27.0% · Home improvement 25.5%
Conventional 99.6% · VA 0.4% · of 2,022 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 | 2,022 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Green Bay | 1,012 |
| Appleton | 476 |
| Oshkosh-Neenah | 131 |
| Fond du Lac | 6 |
| Milwaukee-Waukesha | 5 |
| Madison | 4 |
| Sheboygan | 4 |
| Wausau | 4 |
| Eau Claire | 2 |
| Janesville-Beloit | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VEZ43KYEWR3610 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 721994 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566865 | 1991–2017 |
Established 1 January 1934. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Capital Credit Union's data.
Capital Credit Union's data
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