A long slide
Its loans fell 38% in 2025, from 39, while similar lenders (credit unions making between half and twice as many loans) fell 5%. It made 96 loans in 2021 and 31 in 2022, and has stayed well below its 2020 level since.
Applications / Mortgage Analytics / Lenders / Wisconsin / Brokaw Credit Union
Brokaw Credit Union
Weston, WI · Credit union · NCUA · $69.5 million assets · 24 loans in 2025
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24
loans originated, 2025
36
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Brokaw Credit Union, a Wisconsin credit union that has lent around Wausau since 1991, made 24 home loans in 2025, down from 104 in 2020.
Refinancing and repairs
Refinances were 41.7% of its loans, home improvement 37.5% and other purposes 20.8%. It made no purchase loans, and every loan was conventional. On 24 loans the split can swing a good deal from one year to the next, but the absence of purchase lending marks it as a lender to existing owners.
Rates may explain the fall
In 2020 its typical rate was 3.13%; in 2025 it was 7.25%. For a lender that does much of its business in refinancing, higher rates leave fewer borrowers with a reason to refinance, which may account for much of the drop. The figures do not show what else changed.
A Wausau lender
Wausau is its largest market. It ranked 53 of 196 lenders there, a market led by Covantage Credit Union. Its share fell to 0.2% from 0.4%, in line with its lower volume. On 24 loans, its shares of lending to poorer borrowers and neighborhoods are too small to read much into.
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
24 loans in 2025, against a peak of 104 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Brokaw Credit Union took 36 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
41.7% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 41.7% · Home improvement 37.5% · Other 20.8%
Conventional 100.0% · of 24 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, 1 metro, 5 counties
| State | Loans | Share |
|---|---|---|
| Wisconsin | 24 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Wausau | 20 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900F5ZZOQMXYF0M92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 752792 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567000 | 1991–2017 |
Established 1 January 1986. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Brokaw Credit Union's data.
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