Applications / Mortgage Analytics / Lenders / Wisconsin / Sheboygan Area Credit Union
Sheboygan, WI · Credit union · NCUA · $87.1 million assets · 71 loans in 2025
Sheboygan Area Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
71
loans originated, 2025
82
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sheboygan Area Credit Union makes small loans, mostly for home improvement, refinancing and other purposes rather than purchases.
Its typical loan was $55,000 in 2025, against $95,000 at similar credit unions, those making between half and twice as many loans. Only a few in a hundred peers lend less per loan. Home improvement made up 29.6% of its lending and purchases just 16.9%, which may explain the small sums.
Loans rose 22%, to 71, faster than about seven in ten peers. It has grown each year since 2023, when it made 48 loans. It filed no report for 2020 to 2022, so those years are gaps.
It has lent in Sheboygan since 1994 and ranks 27 of 201 lenders there, with 0.9% of the market. Bank First and Kohler Credit Union lead.
Some 36.6% of its loans went to low- and moderate-income (LMI) borrowers, against 30.9% at peers. But only 5.6% went to LMI neighborhoods, against 17.2%, among the lowest tenth. Its lending is concentrated in four counties, which may hold few such neighborhoods.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Sheboygan Area Credit Union took 82 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 29.6% · Other 26.8% · Refinance 26.8% · Purchase 16.9%
Conventional 100.0% · of 71 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 | 71 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sheboygan | 66 |
| Milwaukee-Waukesha | 2 |
| Fond du Lac | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009Z0ERY6GJGT886 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 864891 | 2018–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566616 | 1994–1996 |
Established 1 January 1954. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Sheboygan Area Credit Union's data.
Sheboygan Area Credit Union's data
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Sheboygan Area 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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