Applications / Mortgage Analytics / Lenders / Wisconsin / Johnson Bank
Racine, WI · State member bank · FRS · $7.2 billion assets · 3,194 loans in 2025
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3,194
loans originated, 2025
3,907
applications, 2025
20
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Johnson Bank is a Wisconsin bank that ranks first in Janesville-Beloit and sixth to eighth in Milwaukee, Green Bay and Madison, with a flat loan count in 2025.
Its share fell in Janesville-Beloit, where it ranks 1 of 264, to 8.7% from 9.9%; in Milwaukee-Waukesha to 2.9% from 3.3%; and in Green Bay to 3.9% from 5.0%. It gained in Madison, to 2.6% from 2.0%. Credit unions lead Milwaukee, Madison and Green Bay, and the losses could reflect their faster growth or the bank's own choice of which loans to make.
Originations rose 1% to 3,194, close to the 3% typical of similar lenders (state member banks making between half and twice as many loans) but below the whole market's 10%. That is less than half its 7,269 loans of 2020.
Its typical loan was $255,000 against $220,000 at similar lenders, and jumbo loans (larger than the conforming limit) were 5.9% against 5.0%. Its denial rate on first-lien home-purchase applications, 2.7% against 7.6%, was among the lowest of its peers.
Low- and moderate-income (LMI) borrowers took 21.0% of its loans against 26.3%, lower than about three in four similar lenders, and LMI neighbourhoods 10.5% against 15.2%, lower than nearly nine in ten. Majority-minority neighbourhoods took 6.1% against 14.2%. Its larger typical loan and its Wisconsin markets could account for some of this.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Johnson Bank took 3,907 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.9% · Refinance 19.7% · Home improvement 16.8% · Other 12.6%
Conventional 99.5% · VA 0.5% · of 3,194 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 | 3,047 | 95.4% |
| Illinois | 61 | 1.9% |
| Minnesota | 16 | 0.5% |
| Florida | 14 | 0.4% |
| Arizona | 11 | 0.3% |
| North Carolina | 6 | 0.2% |
| Colorado | 5 | 0.2% |
| Michigan | 5 | 0.2% |
| Texas | 5 | 0.2% |
| Indiana | 4 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Milwaukee-Waukesha | 773 |
| Janesville-Beloit | 344 |
| Racine-Mount Pleasant | 325 |
| Green Bay | 270 |
| Madison | 269 |
| Kenosha | 251 |
| Appleton | 139 |
| Sheboygan | 63 |
| Oshkosh-Neenah | 51 |
| Lake County | 24 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | IWRZQFYIRJ0IMURZBB68 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 58243 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 320296 | 1990–1996 |
| Respondent ID (the HMDA filer code before 2018) | 258243 | 1997–2017 |
Established 12 November 1970. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Johnson Bank's data.
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