Applications / Mortgage Analytics / Lenders / Wisconsin / Simplicity Credit Union
Marshfield, WI · Credit union · NCUA · $532 million assets · 531 loans in 2025
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531
loans originated, 2025
738
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Simplicity Credit Union is a Wisconsin credit union, first reported in 2022, whose share of loans to low- and moderate-income borrowers was higher than at more than nine in ten similar lenders.
41.3% of its loans went to low- and moderate-income (LMI) borrowers, against 27.3% at similar lenders (credit unions making between half and twice as many loans), higher than more than nine in ten of them. Its typical loan, $85,000, was smaller than theirs, $105,000, and its lending is spread across purchase (31.5%), refinance (25.8%), home improvement (24.1%) and other purposes (18.6%).
In Wausau it ranked 21 of 196 lenders, with 1.3%, down from 1.9%; Covantage Credit Union leads that market. Its share held at 0.2% in Oshkosh-Neenah and rose 0.1 points in Appleton. A smaller year in Wausau or growth by competitors are possible reasons.
Originations rose 8% to 531, close to similar lenders' 5% and the whole market's 10%, after 658 in 2022, its first reported year. It filed no report for 2018 to 2021, so its earlier lending is not in the record.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Simplicity Credit Union took 738 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 31.5% · Refinance 25.8% · Home improvement 24.1% · Other 18.6%
Conventional 100.0% · of 531 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 | 531 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wausau | 77 |
| Oshkosh-Neenah | 19 |
| Appleton | 13 |
| Eau Claire | 5 |
| Fond du Lac | 4 |
| Green Bay | 4 |
| La Crosse-Onalaska | 1 |
| Madison | 1 |
| Milwaukee-Waukesha | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 98450040E5B6CD69C657 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 852599 | 2022–2023 |
Established 1 January 1949. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: Simplicity Credit Union's data.
Simplicity Credit Union's data
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Simplicity 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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