Applications / Mortgage Analytics / Lenders / Wisconsin / Blackhawk Community Credit Union
Janesville, WI · Credit union · NCUA · $911 million assets · 635 loans in 2025
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635
loans originated, 2025
801
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Blackhawk Community Credit Union is a Wisconsin credit union making small refinance and home-improvement loans, ranked fifth in Janesville-Beloit.
Refinances made up 41.6% of its loans, home improvement 28.5%, other purposes 15.1% and purchases 14.8%. Its typical loan was $75,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), lower than more than nine in ten.
It ranked 5 of 264 in Janesville-Beloit, where it has lent since 1991, with 4.8% of the market, down from 5.6%. Johnson Bank, UW Credit Union and Summit Credit Union lead there. Its own loans rose only 1%, against 6% at similar lenders and 10% for the whole market, one possible reason for the lower share.
40.4% of its loans went to low- and moderate-income (LMI) borrowers, against 26.9%, higher than nine in ten similar lenders. But 10.1% were in LMI areas, against 15.1%, and 1.0% in majority-minority areas, against 11.0%; its markets, mostly in Wisconsin, may have fewer such areas.
It made 635 loans, against 1,486 in 2020, and its dollar volume fell from $208.1 million to $65.9 million. Its typical rate rose from 3.25% to 7.50% over those years, which may have cut refinancing, and its typical loan fell from $125,000 to $75,000, which could reflect a shift toward smaller home-improvement and other-purpose loans.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Blackhawk Community Credit Union took 801 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 41.6% · Home improvement 28.5% · Other 15.1% · Purchase 14.8%
Conventional 100.0% · of 635 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 | 613 | 96.5% |
| Illinois | 11 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Janesville-Beloit | 452 |
| Madison | 30 |
| Kenosha | 24 |
| Milwaukee-Waukesha | 11 |
| Rockford | 9 |
| Racine-Mount Pleasant | 3 |
| Chicago-Naperville-Schaumburg | 1 |
| La Crosse-Onalaska | 1 |
| Lake County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300W1AS8CZYV4MQ17 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 663692 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566998 | 1991–2017 |
Established 1 January 1965. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Blackhawk Community Credit Union's data.
Blackhawk Community Credit Union's data
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Blackhawk Community 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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