Applications / Mortgage Analytics / Lenders / Wisconsin / Fortifi Bank
Berlin, WI · State non-member bank · FDIC · $745 million assets · 241 loans in 2025
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241
loans originated, 2025
280
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fortifi Bank, a Wisconsin purchase lender, is strongest in Oshkosh-Neenah and Fond du Lac, and its loans rose 11% in 2025, about as fast as its peers'.
Its 241 loans were 11% more than in 2024, against 9% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market. It made 926 loans in 2020 and 201 in 2023, and has grown since.
Home purchases made up 58.1% of its loans and refinances 32.0%, all conventional. Manufactured homes were 5.0%, against 2.6% at peers. Its typical loan, $205,000, was a little larger than peers' $175,000. Its denial rate on purchase applications, 3.0%, was lower than their 4.9%.
In Oshkosh-Neenah it ranks 25 of 231 lenders with 1.0% of the market, up 0.2 points; in Fond du Lac, 31 of 199 with an unchanged 0.7%. Its share in Green Bay slipped to 0.3%, perhaps a matter of a few loans. In 2025 it lent in St. Louis and Spartanburg for the first time.
Low- and moderate-income (LMI) areas took 7.5% of its loans, against 17.6% at similar lenders, among the lowest tenth of them, and it made no loans in majority-minority areas. The parts of Wisconsin it serves may have few such neighborhoods. Its share to LMI borrowers, 29.2%, was close to peers' 28.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Fortifi Bank took 280 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.1% · Refinance 32.0% · Other 7.5% · Home improvement 2.5%
Conventional 100.0% · of 241 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 | 235 | 97.5% |
| Michigan | 2 | 0.8% |
| Missouri | 2 | 0.8% |
| Florida | 1 | 0.4% |
| South Carolina | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oshkosh-Neenah | 32 |
| Green Bay | 26 |
| Fond du Lac | 18 |
| Madison | 11 |
| Appleton | 10 |
| St. Louis | 2 |
| Cape Coral-Fort Myers | 1 |
| Janesville-Beloit | 1 |
| La Crosse-Onalaska | 1 |
| Sheboygan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900TQL77TN5I01K05 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 111942 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 14620 | 2003–2017 |
Established 1 January 1876. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Fortifi Bank's data.
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