Growth faster than most peers
Originations rose 17% to 1,435, higher than at about seven in ten similar lenders (credit unions making between half and twice as many loans), which grew 9%, and the whole market's 10%. They were 3,047 in 2020.
Applications / Mortgage Analytics / Lenders / Wisconsin / Westconsin Credit Union
Westconsin Credit Union
Menomonie, WI · Credit union · NCUA · $2.2 billion assets · 1,435 loans in 2025
Westconsin Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
1,435
loans originated, 2025
2,053
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Westconsin Credit Union is a Wisconsin credit union whose originations rose 17% in 2025, against 9% at similar lenders, with more LMI borrowers than most peers and fourth place in Eau Claire.
A broad mix, with manufactured homes
Refinance made up 31.3% of its originations, home improvement 28.5%, purchase 27.2% and other purposes 13.0%. Manufactured homes were 4.5% of its loans, higher than at about nine in ten peers (0.4%). Its typical loan, $105,000, was smaller than at about three in four peers, and higher-priced loans (a rate well above the average for similar loans) were 0.8%, against 1.5%.
More LMI borrowers, few majority-minority areas
LMI (low- and moderate-income) borrowers took 36.3% of its loans, higher than at about nine in ten peers (26.9%), and up from 31.2% five years before. LMI areas took 14.6%, near the middle (15.0%). Majority-minority areas took 0.1%, among the lowest of its peers (10.4%); one possible reason is the makeup of the areas it serves, led by non-metro Wisconsin and Eau Claire.
Fourth in Eau Claire
It ranked 4 of 220 in Eau Claire with 4.5%, unchanged from the year before, behind Royal Credit Union, Rocket Mortgage and Bremer Bank; it has lent there since 1992. It ranked 23 of 659 in non-metro Wisconsin, and its share in Minneapolis-St. Paul-Bloomington rose to 0.3% from 0.2%.
Questions the data can answer next
- Which Eau Claire and non-metro Wisconsin counties account for its LMI lending?
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
1,435 loans in 2025, against a peak of 3,047 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Westconsin Credit Union took 2,053 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
31.3% of its 2025 loans were refinance loans; 99.8% were Conventional.
Refinance 31.3% · Home improvement 28.5% · Purchase 27.2% · Other 13.0%
Conventional 99.8% · USDA (RHS or FSA) 0.2% · of 1,435 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
2 states, 8 metros, 41 counties
| State | Loans | Share |
|---|---|---|
| Wisconsin | 1,374 | 95.7% |
| Minnesota | 61 | 4.3% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 522 |
| Eau Claire | 281 |
| Rochester | 4 |
| Duluth | 2 |
| La Crosse-Onalaska | 2 |
| Janesville-Beloit | 1 |
| Madison | 1 |
| Wausau | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900X6OAHFW6BUT219 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 591599 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566742 | 1991–2017 |
Established 1 January 1939. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Westconsin Credit Union's data.
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