Applications / Mortgage Analytics / Lenders / Wisconsin / Baraboo State Bank
Baraboo, WI · State member bank · FRS · $587 million assets · 92 loans in 2025
Baraboo State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
92
loans originated, 2025
136
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Baraboo State Bank is a mainly rural Wisconsin home-purchase lender whose loan count grew a little faster than similar lenders' in 2025, though it remains far below its 2020 peak.
It made 92 loans, up 12% against 8% for similar lenders, but five years before it made 466; a surge of refinancing in 2020 may explain that peak. Dollar lending fell to $22.5 million from $26.1 million even as the count rose, as jumbo loans (larger than the conforming limit) fell to none from 3.1%.
Its largest market is non-metro Wisconsin, where it ranks 99 of 659, with a steady 0.1% of Madison. 1.1% of its loans were in majority-minority areas, against 5.7% for similar lenders, which may reflect how few such areas its counties contain. Its LMI (low- and moderate-income) area share rose to 19.6% from 13.4%, a little above the middle.
It entered Midland, TX in 2025, far from its other markets, with a share too small to read much into.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Baraboo State Bank took 136 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.8% · Refinance 19.6% · Other 5.4% · Home improvement 2.2%
Conventional 100.0% · of 92 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 | 91 | 98.9% |
| Texas | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Madison | 17 |
| Milwaukee-Waukesha | 2 |
| Janesville-Beloit | 1 |
| Midland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930065PWY9N8KCRQ96 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 24949 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114397 | 2005–2016 |
| Respondent ID (the HMDA filer code before 2018) | 224949 | 2017–2017 |
Established 1 July 1857. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Baraboo State Bank's data.
Baraboo State Bank's data
$215
Baraboo State Bank 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.
Buy Baraboo State Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]