Applications / Mortgage Analytics / Lenders / Wisconsin / Bank Five Nine
Oconomowoc, WI · State non-member bank · FDIC · $2.7 billion assets · 1,312 loans in 2025
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1,312
loans originated, 2025
1,679
applications, 2025
21
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank Five Nine is a Wisconsin purchase lender that ranks 10 of 510 in Milwaukee-Waukesha and grew 10% in 2025, in step with similar lenders.
Home purchases were 75.4% of its loans. FHA loans (insured by the Federal Housing Administration) were 6.0%, against 2.2% at similar lenders (state non-member banks making between half and twice as many loans), and VA loans (guaranteed by the Department of Veterans Affairs) 4.1%, against 0.6%. Its typical loan, $285,000, was larger than at about eight in ten of them.
Its share in Milwaukee-Waukesha held at 2.2%. It ranked 8 of 257 in Kenosha, its share up 0.3 points to 3.0%, and 8 of 285 in Racine-Mount Pleasant, up 0.3 points to 2.4%. In 2025 it entered Grand Island, NE, ranking 15 of 112 with 1.8%.
Originations rose 10% to 1,312, the same as similar lenders and the whole market. They remain well below the 3,558 loans of 2020.
Its purchase denial rate, 2.6%, and refinance denial rate, 9.0%, were lower than at about four in five similar lenders, against 5.9% and 18.1%. LMI (low- and moderate-income) borrowers took 30.5% of its loans, against 27.5%, higher than about two-thirds of similar lenders, though down from 35.2% in 2024.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank Five Nine took 1,679 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.4% · Refinance 24.2% · Home improvement 0.5%
Conventional 89.6% · FHA 6.0% · VA 4.1% · USDA (RHS or FSA) 0.3% · of 1,312 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 | 1,245 | 94.9% |
| Illinois | 12 | 0.9% |
| Florida | 10 | 0.8% |
| Minnesota | 7 | 0.5% |
| Arizona | 5 | 0.4% |
| Tennessee | 5 | 0.4% |
| Ohio | 4 | 0.3% |
| Texas | 4 | 0.3% |
| Colorado | 3 | 0.2% |
| Michigan | 3 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Milwaukee-Waukesha | 694 |
| Racine-Mount Pleasant | 99 |
| Kenosha | 94 |
| Wausau | 48 |
| Madison | 35 |
| Appleton | 32 |
| Minneapolis-St. Paul-Bloomington | 32 |
| Green Bay | 23 |
| Sheboygan | 17 |
| Oshkosh-Neenah | 16 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900DTLB5WWMBJAD86 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 806846 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312517 | 1990–2017 |
Established 1 September 1859. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Bank Five Nine's data.
Bank Five Nine's data
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