Applications / Mortgage Analytics / Lenders / Wisconsin / Glacier Hills Credit Union
West Bend, WI · Credit union · NCUA · $275 million assets · 143 loans in 2025
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143
loans originated, 2025
182
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Glacier Hills Credit Union is a refinance lender with lower rates than most similar credit unions, and it gained ground in Fond du Lac even as its loans fell.
Refinances made up 79.0% of its loans and purchases the other 21.0%, all conventional. Its typical rate, 6.25%, was lower than at about four in five similar lenders (credit unions making between half and twice as many loans), whose typical rate was 6.75%. Only 0.7% of its loans were higher-priced (a rate well above the average for similar loans).
Its loans fell 11%, to 143 from 161, while similar lenders grew 9%. Its dollar volume still rose, to $23.7 million, because its typical loan grew to $125,000 from $75,000. A lender that mostly refinances can see its volume swing with members' demand to refinance.
Low- and moderate-income (LMI) borrowers took 36.6% of its loans, against 28.9% at similar lenders, higher than at about seven in ten. But only 3.5% of its loans were in LMI tracts, against 17.3%, among the lowest of similar lenders. The make-up of the areas it serves, including non-metro Wisconsin, is a possible reason.
In Fond du Lac, where it has lent since at least 1990, its share rose 0.6 points, to 0.8%, for a rank of 28 of 199. In Milwaukee-Waukesha it held a 0.2% share, ranking 95 of 510, behind Landmark Credit Union and Summit Credit Union.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Glacier Hills Credit Union took 182 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 79.0% · Purchase 21.0%
Conventional 100.0% · of 143 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 | 143 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Milwaukee-Waukesha | 108 |
| Fond du Lac | 21 |
| Sheboygan | 4 |
| Madison | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900O11S8JQGWU2U45 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 65894 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567238 | 1990–2017 |
Established 1 January 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Glacier Hills Credit Union's data.
Glacier Hills Credit Union's data
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Glacier Hills 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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