Applications / Mortgage Analytics / Lenders / Wisconsin / Forte Bank
Hartford, WI · State non-member bank · FDIC · $432 million assets · 132 loans in 2025
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132
loans originated, 2025
156
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Forte Bank, a small Wisconsin home-purchase lender, made 42% more loans in 2025 than in 2024, though it is still well below where it was in 2020.
It made 132 loans, while similar lenders (state non-member banks making between half and twice as many loans) grew 10%. Its rise was higher than at more than four in five of them. But it follows a fall from 334 loans in 2020 to 80 in 2023.
Its typical loan was $260,000, against $175,000 at similar lenders, larger than at about four in five of them, and up from $205,000 in 2024. Home purchases were 54.5% of its loans and refinances 36.4%, all conventional.
In Milwaukee-Waukesha, its biggest market, it held 0.3%, ranking 67 of 510 lenders. Its share rose 0.4 points to 0.4% in Sheboygan, ranking 49 of 201, and rose to 0.3% in Oshkosh-Neenah.
Low- and moderate-income (LMI) neighborhoods took 7.7% of its loans, against 17.6% at similar lenders, lower than at more than four in five. The areas it serves may have few such neighborhoods, and with 132 loans a handful moves the figure. Its share to LMI borrowers, 29.9%, was close to peers' 27.9%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Forte Bank took 156 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.5% · Refinance 36.4% · Home improvement 6.8% · Other 2.3%
Conventional 100.0% · of 132 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 | 131 | 99.2% |
| Florida | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Milwaukee-Waukesha | 94 |
| Sheboygan | 6 |
| Oshkosh-Neenah | 3 |
| Fond du Lac | 2 |
| Kenosha | 2 |
| Racine-Mount Pleasant | 2 |
| Cape Coral-Fort Myers | 1 |
| La Crosse-Onalaska | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RTMAIJNRX52596 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 742944 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 18671 | 1990–2017 |
Established 1 January 1907. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Forte Bank's data.
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