Applications / Mortgage Analytics / Lenders / Wisconsin / Westby Co-Op Credit Union
Westby, WI · Credit union · NCUA · $997 million assets · 383 loans in 2025
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383
loans originated, 2025
506
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Westby Co-Op Credit Union, of Westby, Wisconsin, is mainly a refinance lender: refinances made up 72.1% of its loans in 2025.
Purchases were only 27.4% of its 383 loans. Its typical loan, $95,000, was a little smaller than the $105,000 at similar credit unions (those making between half and twice as many loans). Manufactured homes took 7.6% of its lending, against 0.3% at peers, more than at over nine in ten of them.
It first reported in 2022, with 597 loans. It made 383 in 2025, 6% fewer than in 2024, while similar credit unions grew 6%. With refinances 72.1% of its lending, it may simply have found fewer members with a reason to refinance.
Low- and moderate-income borrowers took 39.7% of its loans, against 27.5% at peers, more than at nearly nine in ten of them. None of its loans went to majority-minority neighborhoods, against 12.0% at peers; it lends in one state, and its largest market is non-metro Wisconsin, where it ranks 47 of 659, which may explain that. It ranks 23 of 213 in La Crosse-Onalaska.
It turned down 4.5% of decided first-lien refinance applications on owner-occupied homes, against 20.6% at similar credit unions, lower than at nearly nine in ten of them.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Westby Co-Op Credit Union took 506 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 72.1% · Purchase 27.4% · Home improvement 0.5%
Conventional 99.5% · USDA (RHS or FSA) 0.5% · of 383 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 | 383 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| La Crosse-Onalaska | 83 |
| Madison | 17 |
| Milwaukee-Waukesha | 2 |
| Minneapolis-St. Paul-Bloomington | 1 |
| Racine-Mount Pleasant | 1 |
| Sheboygan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 894500PCG3NCYFXK0D60 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 142692 | 2022–2023 |
Established 1 January 1939. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: Westby Co-Op Credit Union's data.
Westby Co-Op Credit Union's data
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Westby Co-Op 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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