Applications / Mortgage Analytics / Lenders / Wisconsin / 1st Community Credit Union
Sparta, WI · Credit union · NCUA · $281 million assets · 130 loans in 2025
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130
loans originated, 2025
218
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
1st Community Credit Union is a credit union with an unusual sideline: almost one loan in five, 18.5%, was for a manufactured home in 2025, where the typical similar lender made none.
Manufactured homes took 18.5% of its loans, a higher share than at almost all similar lenders (credit unions making between half and twice as many loans). Every loan was conventional, with no government backing. Its typical loan, $155,000, was larger than the $105,000 at similar lenders.
Refinances made up 61.5% of its loans and purchases 30.8%. It made 130 loans, up 20%, against 9% at similar lenders and 10% for the whole market. That is still about half the 243 it made in 2020.
Borrowers with low or moderate incomes (LMI) took 37.8% of its loans, against 28.9% at similar lenders. Only 1.6% went to LMI neighborhoods, against 17.3%, and none to majority-minority areas. Where it lends may explain this: 10 counties in one state, mostly non-metro Wisconsin, where such neighborhoods may be few.
In La Crosse-Onalaska it ranked 44 of 213 lenders with 0.5% of the market, down 0.2 points. Altra Federal Credit Union leads there. For a lender of its size, a few loans either way can move its share that much.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 1st Community Credit Union took 218 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 61.5% · Purchase 30.8% · Other 7.7%
Conventional 100.0% · of 130 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 | 129 | 99.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| La Crosse-Onalaska | 27 |
| Eau Claire | 2 |
| Madison | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006FUC5WGWNUXC12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 203294 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567012 | 1993–2017 |
Established 1 January 1961. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: 1st Community Credit Union's data.
1st Community Credit Union's data
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1st 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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