Applications / Mortgage Analytics / Lenders / Wisconsin / National Exchange Bank and Trust
Fond Du Lac, WI · National bank · OCC · $2.9 billion assets · 897 loans in 2025
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897
loans originated, 2025
1,175
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
National Exchange Bank and Trust is the largest mortgage lender in Fond du Lac, where its share rose in 2025, and it grew faster than similar banks while gaining share in several other markets.
It ranks 1 of 199 lenders in Fond du Lac, with 11.3% of lending, up 2.6 points from 8.7%. Associated Bank, Verve, a Credit Union, Bank First and U.S. Bank follow. Its NBW Bank merger in 2020 counts in these competition figures.
It made 897 loans in 2025, up 16% from 771, against 10% for national banks making between half and twice as many loans and for the whole market. Its share rose from 0.3% to 1.4% in Appleton, where it ranks 17 of 257, and from 0.1% to 1.8% in Odessa, Texas, where it ranks 16 of 196. Its count remains below its 2021 high of 1,969.
Manufactured homes were 8.0% of its loans, against 1.1% for similar banks, higher than nearly all of them. Its typical loan of $135,000 is lower than about five in six similar banks, whose typical loan is $205,000; its manufactured-home lending and a mix with 13.7% home improvement are possible reasons. All its loans were conventional.
41.5% of its loans went to low- and moderate-income (LMI) borrowers, against 26.9% for similar banks, higher than nearly all of them, and up from 30.2% five years earlier.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. National Exchange Bank and Trust took 1,175 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.5% · Refinance 31.9% · Home improvement 13.7% · Other 11.9%
Conventional 100.0% · of 897 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 | 882 | 98.3% |
| Florida | 3 | 0.3% |
| Minnesota | 2 | 0.2% |
| Arizona | 1 | 0.1% |
| California | 1 | 0.1% |
| Iowa | 1 | 0.1% |
| Illinois | 1 | 0.1% |
| Michigan | 1 | 0.1% |
| Missouri | 1 | 0.1% |
| Nevada | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fond du Lac | 358 |
| Milwaukee-Waukesha | 105 |
| Sheboygan | 80 |
| Appleton | 33 |
| Madison | 27 |
| Oshkosh-Neenah | 26 |
| Green Bay | 7 |
| Janesville-Beloit | 4 |
| Racine-Mount Pleasant | 3 |
| Kenosha | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006P0JVBBAHVXV08 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 722544 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113879 | 1994–2017 |
Established 20 December 1933. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: National Exchange Bank and Trust's data.
National Exchange Bank and Trust's data
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National Exchange Bank and Trust 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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