Applications / Mortgage Analytics / Lenders / Wisconsin / Firefighters Credit Union
Onalaska, WI · Credit union · NCUA · $131 million assets · 117 loans in 2025
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117
loans originated, 2025
145
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Firefighters Credit Union nearly doubled its share of lending in La Crosse-Onalaska, where it ranks 10 of 213 lenders, as its loan count jumped 72%.
Its loans rose 72% to 117, against 8% at similar lenders (credit unions making between half and twice as many loans), faster than at about nine in ten of them. The rise followed two low years, with 77 loans in 2023 and 68 in 2024. It made 144 in 2021.
Its share of La Crosse-Onalaska rose to 2.2% from 1.2%. Altra Federal Credit Union leads that market by a wide margin, with $220.6M of lending.
Its typical loan, $185,000, was larger than at nearly nine in ten similar lenders, where it was $105,000. Five years before, its typical loan was $60,000. Purchases made up 51.3% of its loans and refinances the rest, all conventional.
Low- and moderate-income (LMI) borrowers took 23.3% of its loans, against 29.3% at similar lenders, and LMI areas 12.3%, against 17.2%. Its larger loans may be one reason; its footprint, 12 counties in two states, may be another.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Firefighters Credit Union took 145 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.3% · Refinance 48.7%
Conventional 100.0% · of 117 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 | 111 | 94.9% |
| Minnesota | 6 | 5.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| La Crosse-Onalaska | 84 |
| Fond du Lac | 1 |
| Racine-Mount Pleasant | 1 |
| Rochester | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900TTMRDRR2EQSI59 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 854995 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566423 | 2003–2017 |
Established 1 January 1931. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Firefighters Credit Union's data.
Firefighters Credit Union's data
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Firefighters 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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