Applications / Mortgage Analytics / Lenders / Wisconsin / Marine Credit Union
La Crosse, WI · Credit union · NCUA · $1.1 billion assets · 1,160 loans in 2025
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1,160
loans originated, 2025
3,222
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Marine Credit Union is a Wisconsin credit union whose lending is mostly refinancing, in small conventional loans spread over 132 counties, and it reaches low- and moderate-income borrowers and neighbourhoods more than almost all similar lenders.
Refinancing made up 81.9% of its loans and home purchase 18.1%. All were conventional, none were jumbo (larger than the conforming limit), and the typical loan was $105,000, the same as at similar lenders (credit unions making between half and twice as many loans). 4.0% of its loans were for manufactured homes, against 0.4% at peers.
43.9% of its loans went to low- and moderate-income (LMI) borrowers, against 27.6% at similar lenders, and 23.8% were in LMI neighbourhoods, against 15.0%. Both are higher than more than nine in ten peers, and both are higher than five years earlier. Small refinance loans spread across 132 counties may draw more LMI households than a purchase-led book.
Originations rose 17% to 1,160, against a typical 9% at similar lenders and 10% for the whole market, higher than about two-thirds of them. Volume remains below the 1,509 loans of 2022.
Its largest market share is in Fond du Lac, where it ranks 14 of 199 lenders and its share rose from 1.6% to 1.9%. In Green Bay its share rose to 0.5%. Elsewhere, including Milwaukee-Waukesha and Des Moines, its shares are 0.2%, reflecting a wide but thin footprint.
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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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Marine Credit Union took 3,222 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 81.9% · Purchase 18.1%
Conventional 100.0% · of 1,160 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 | 893 | 77.0% |
| Iowa | 197 | 17.0% |
| Minnesota | 47 | 4.1% |
| Illinois | 23 | 2.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Milwaukee-Waukesha | 137 |
| Des Moines-West Des Moines | 106 |
| Fond du Lac | 92 |
| Eau Claire | 72 |
| La Crosse-Onalaska | 68 |
| Green Bay | 67 |
| Appleton | 35 |
| Davenport-Moline-Rock Island | 33 |
| Oshkosh-Neenah | 22 |
| Racine-Mount Pleasant | 22 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007DIB8YPDM6NR52 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 209595 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566752 | 2004–2017 |
Established 1 January 1949. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Marine Credit Union's data.
Marine Credit Union's data
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Marine 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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