Second in Wausau
It ranks 2 of 196 lenders in Wausau, with 5.1% of a $663.9M market, up from 4.9%. Covantage Credit Union leads with $139.7M; Nicolet National Bank, third, made $32.9M. It has lent there since 1991.
Applications / Mortgage Analytics / Lenders / Wisconsin / Cloverbelt Credit Union
Cloverbelt Credit Union
Wausau, WI · Credit union · NCUA · $342 million assets · 204 loans in 2025
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204
loans originated, 2025
228
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cloverbelt Credit Union is the second-biggest mortgage lender in Wausau, WI, and most of its loans are refinances.
A refinance lender
Refinances made up 64.7% of its loans and purchases 30.4%. Every loan was conventional. Its typical loan, $135,000, was higher than at about seven in ten similar lenders (credit unions making between half and twice as many loans), where it was $105,000.
Back to its old level
It made 204 loans in 2025, against 215 in 2024 and 427 in 2020, close to the 207 and 201 of 2018 and 2019. Its count fell 5% while similar lenders grew 7%. Yet its dollar volume rose, to $38.5 million from $33.0 million.
Poorer borrowers, few minority areas
Low- and moderate-income (LMI) borrowers took 30.9% of its loans, against 27.9% at similar lenders. LMI neighborhoods took 14.7%, near the middle of the group. It made no loans in majority-minority areas, against 11.0% at peers. Its lending sits in 13 counties of one state, which may contain few such areas.
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
204 loans in 2025, against a peak of 427 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cloverbelt Credit Union took 228 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
64.7% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 64.7% · Purchase 30.4% · Home improvement 4.9%
Conventional 100.0% · of 204 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
1 state, 2 metros, 13 counties
| State | Loans | Share |
|---|---|---|
| Wisconsin | 204 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Wausau | 174 |
| Minneapolis-St. Paul-Bloomington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900KOP6JY8A0DIV80 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 850492 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566844 | 1991–2017 |
Established 1 January 1936. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Cloverbelt Credit Union's data.
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