Applications / Mortgage Analytics / Lenders / Wisconsin / Superior Choice Credit Union
Superior, WI · Credit union · NCUA · $718 million assets · 386 loans in 2025
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386
loans originated, 2025
581
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Superior Choice Credit Union, of Superior, Wisconsin, lends more to low- and moderate-income borrowers than most similar credit unions, and spreads its lending evenly across four kinds of loan.
Home improvement made up 29.3% of its loans, refinancing 24.9%, purchases 24.4% and other purposes 21.5%. Its typical loan was $85,000, against $105,000 for similar lenders, credit unions making between half and twice as many loans. Manufactured homes were 5.2% of its lending, against 0.3% for its peers.
Low- and moderate-income borrowers took 39.2% of its loans, against 27.4% at the typical similar lender. That was higher than nearly nine in ten of the 406, and up from 29.3% in 2020.
Its typical rate was 5.88%, against 6.99% for its peers, among the lowest tenth. Only 0.3% of its loans were higher-priced (a rate well above the average for similar loans), against 1.8% for peers.
It has lent in Duluth since 1991 and ranks 15 of 318 lenders there, behind North Shore Bank of Commerce and National Bank of Commerce. Its loans fell 18% in 2025 while similar credit unions grew 7%. Its volume has swung widely, from 248 loans in 2022 to 597 in 2023.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Superior Choice Credit Union took 581 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 29.3% · Refinance 24.9% · Purchase 24.4% · Other 21.5%
Conventional 100.0% · of 386 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 | 329 | 85.2% |
| Minnesota | 56 | 14.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Duluth | 212 |
| Eau Claire | 9 |
| Minneapolis-St. Paul-Bloomington | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008BSTI0PQR0IL08 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 595793 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567173 | 1991–2017 |
Established 1 January 1932. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Superior Choice Credit Union's data.
Superior Choice Credit Union's data
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Superior Choice 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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