A hometown lender
It lent in one state and four counties. In the Fond du Lac market its share rose to 0.6% from 0.4%, a gain built on a handful of loans. It has reported since 2010 and entered the Fond du Lac market that year.
Applications / Mortgage Analytics / Lenders / Wisconsin / Fond du Lac Credit Union
Fond du Lac Credit Union
Fond Du Lac, WI · Credit union · NCUA · $81.1 million assets · 24 loans in 2025
Fond du Lac Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
24
loans originated, 2025
31
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fond du Lac Credit Union is a small hometown lender: its 24 loans in 2025 were mostly in and around Fond du Lac, where it ranks 32 of 199 lenders.
Mostly refinancing
Refinances made up 54.2% of its loans, purchases 29.2% and other purposes 16.7%. All were conventional, with no government-backed lending. Its typical loan was $120,000, against $95,000 at similar lenders, which are credit unions making between half and twice as many loans. With 24 loans, these shares rest on too few loans to read much into, and the same is true of its figures for poorer neighborhoods.
Up on the year, down on the decade
Its loans rose 41% in 2025, from 17 to 24, while similar lenders' fell 5% and the whole market grew 10%. It made 53 loans in 2020 and 48 in 2021, and 15 in 2023. With refinancing more than half its book, the fall may reflect fewer members refinancing as its typical rate rose from 3.12% in 2020 to 6.94%.
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 53 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Fond du Lac Credit Union took 31 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
54.2% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 54.2% · Purchase 29.2% · Other 16.7%
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, 2 metros, 4 counties
| State | Loans | Share |
|---|---|---|
| Wisconsin | 24 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Fond du Lac | 21 |
| Milwaukee-Waukesha | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930064VBVLXORPKL16 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 149495 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567176 | 2010–2017 |
Established 1 January 1954. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Fond du Lac Credit Union's data.
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