Applications / Mortgage Analytics / Lenders / Wisconsin / Kohler Credit Union
Sheboygan, WI · Credit union · NCUA · $752 million assets · 713 loans in 2025
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713
loans originated, 2025
916
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kohler Credit Union is a Wisconsin credit union that ranked 2 of 201 lenders in Sheboygan, and whose originations rose 42% in 2025, faster than nearly nine in ten similar credit unions.
Originations rose 42% to 713, against 7% for similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. That is above its earlier high of 675 loans in 2022. Dollar volume rose from $74.9 million to $128.4 million.
Its share rose 1.3 points to 8.6% in Sheboygan, where it ranked second behind Bank First. It also rose to 0.6% from 0.0% in Oshkosh-Neenah and to 0.3% from 0.2% in Milwaukee-Waukesha.
Refinances were 34.2% of its lending, home purchases 27.3%, home improvement 24.5% and other purposes 13.9%. Its typical loan, $105,000, matched peers'. It turned down 9.0% of refinance applications, against 20.0%, lower than at more than four in five peers.
LMI (low- and moderate-income) borrowers took 36.4% of its loans, up from 25.2% in 2024 and higher than at more than four in five peers, against 27.3%. LMI areas took 6.3%, against 15.1%, among the lowest of its peers, and majority-minority areas 1.1%, against 10.5%. All its lending is in Wisconsin, so the make-up of the 24 counties it serves is a possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Kohler Credit Union took 916 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 34.2% · Purchase 27.3% · Home improvement 24.5% · Other 13.9%
Conventional 100.0% · of 713 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 | 713 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sheboygan | 360 |
| Milwaukee-Waukesha | 127 |
| Green Bay | 11 |
| Fond du Lac | 8 |
| Appleton | 7 |
| Madison | 2 |
| Oshkosh-Neenah | 2 |
| Racine-Mount Pleasant | 1 |
| Wausau | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000FRWKMPAALEY22 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 50993 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566872 | 1991–2017 |
Established 1 January 1938. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Kohler Credit Union's data.
Kohler Credit Union's data
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Kohler 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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