Applications / Mortgage Analytics / Lenders / Wisconsin / PCM Credit Union
Green Bay, WI · Credit union · NCUA · $501 million assets · 452 loans in 2025
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452
loans originated, 2025
505
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
PCM Credit Union, a Green Bay credit union that lends mostly to refinance and for other purposes, grew 41% in 2025 and won a larger share of its home market.
It made 452 loans in 2025, up from 321. That 41% rise compares with 6% at similar lenders (credit unions making between half and twice as many loans) and 10% in the whole market, and was faster than at more than four in five of them.
Refinances made up 37.6% of its loans, other purposes 36.9% and purchases 25.2%. All were conventional. Its typical rate, 5.99%, was lower than at about nine in ten similar lenders, and none of its loans was higher-priced (a rate well above the average for similar loans). It turned down 3.7% of refinance applications, against 20.3% at similar lenders.
Low- and moderate-income (LMI) borrowers took 33.0% of its loans, against 27.4%, more than at about seven in ten similar lenders. Its share in LMI neighborhoods fell to 13.9% from 22.5%, which may reflect where its 2025 growth came from. Majority-minority neighborhoods took 1.8%, against 11.4%, possibly because of the Wisconsin markets it serves.
It has lent in Green Bay since at least 1990 and ranks 12 of 293 lenders there. Its share rose to 2.1% from 1.7%. Community First Credit Union leads the market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. PCM Credit Union took 505 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 37.6% · Other 36.9% · Purchase 25.2% · Home improvement 0.2%
Conventional 100.0% · of 452 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 | 439 | 97.1% |
| Michigan | 13 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Green Bay | 304 |
| Appleton | 27 |
| Milwaukee-Waukesha | 7 |
| Oshkosh-Neenah | 4 |
| Madison | 3 |
| Eau Claire | 1 |
| Kenosha | 1 |
| Sheboygan | 1 |
| Wausau | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IY3J6361R6MA88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 798790 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566424 | 1990–2017 |
Established 1 January 1958. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: PCM Credit Union's data.
PCM Credit Union's data
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PCM 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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