Applications / Mortgage Analytics / Lenders / Wisconsin / Unitedone Credit Union
Manitowoc, WI · Credit union · NCUA · $329 million assets · 330 loans in 2025
Unitedone Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
330
loans originated, 2025
463
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Unitedone Credit Union, of Manitowoc, Wisconsin, makes small loans for many purposes and lends to low- and moderate-income borrowers more often than most similar credit unions.
Refinances made up 37.9% of its loans in 2025, purchases 25.2%, home improvement 19.7% and other purposes 17.3%. Its typical loan was $85,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans).
It made 36.5% of its loans to low- and moderate-income (LMI) borrowers, against 27.5% at the typical peer. That is more than about three-quarters of similar credit unions, and up from 29.8% five years before.
Its typical rate was 6.00%, against 6.88% at similar lenders, lower than more than four in five of them. None of its 330 loans was higher-priced (a rate well above the average for similar loans); the typical peer had 2.0%.
It has lent in Sheboygan since 1991, counting a credit union it merged with in 2002. It ranks 17 of 201 lenders there, and its share rose from 1.5% to 1.7%; Bank First leads with $54.8M. Its loans rose 1% to 330, against 7% for the typical peer and 10% for the whole 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Unitedone Credit Union took 463 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 37.9% · Purchase 25.2% · Home improvement 19.7% · Other 17.3%
Conventional 100.0% · of 330 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 | 330 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sheboygan | 87 |
| Milwaukee-Waukesha | 5 |
| Appleton | 4 |
| Green Bay | 4 |
| Fond du Lac | 2 |
| Oshkosh-Neenah | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009ULL1JFIC1C287 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 947990 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567248 | 2003–2017 |
Established 1 January 1938. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Unitedone Credit Union's data.
Unitedone Credit Union's data
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Unitedone 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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