Applications / Mortgage Analytics / Lenders / Wisconsin / Tri City National Bank
Oak Creek, WI · National bank · OCC · $2.0 billion assets · 513 loans in 2025
Tri City National Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
513
loans originated, 2025
759
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Tri City National Bank is a Wisconsin bank making small loans, many for home improvement, with a larger share to low- and moderate-income (LMI) borrowers than almost any similar bank.
Its loans split almost evenly: refinances 30.2%, purchases 28.8%, home improvement 27.7% and other purposes 13.3%. Its typical loan was $105,000, against $205,000 for similar lenders (national banks making between half and twice as many loans), among the lowest of them. The weight in home-improvement and other-purpose lending, which are usually smaller loans, may account for much of that. All its loans were conventional.
43.3% of its loans went to LMI borrowers, against 26.0% for peers, higher than nearly all of them. 19.9% were in LMI tracts, against 15.4%, higher than more than three in four peers. Both shares are higher than five years earlier, when they were 36.3% and 16.4%.
Its typical rate was 5.99%, against 6.75% for peers, lower than almost all of them, and 0.2% of its loans were higher-priced (a rate well above the average for similar loans), against 2.1%.
Originations fell 5% to 513, while the typical peer grew 6% and the whole market 10%. In Milwaukee-Waukesha, where it has lent since before 1990, it ranks 32 of 510 lenders with 0.8% of the dollars, down from 1.1%, in a market led by Landmark Credit Union. Its dollar volume fell to $102.5 million from $117.0 million, and its smaller home-improvement loans may also hold down a dollar share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Tri City National Bank took 759 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 30.2% · Purchase 28.8% · Home improvement 27.7% · Other 13.3%
Conventional 100.0% · of 513 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 | 513 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Milwaukee-Waukesha | 393 |
| Racine-Mount Pleasant | 89 |
| Kenosha | 11 |
| Green Bay | 1 |
| Wausau | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OCKUW7YV0YNV03 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 242444 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 115738 | 1990–2017 |
Established 28 October 1963. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Tri City National Bank's data.
Tri City National Bank's data
$215
Tri City National 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 Tri City National 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]