Applications / Mortgage Analytics / Lenders / Wisconsin / Fox Valley Savings Bank
Fond Du Lac, WI · Savings institution · FDIC · $388 million assets · 156 loans in 2025
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156
loans originated, 2025
181
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fox Valley Savings Bank is gaining ground at home: its share of lending in Fond du Lac rose to 3.6% in 2025 as its loans grew 15%.
In Fond du Lac, WI, its largest market, it ranked 7 of 199 lenders. Its share rose by 0.7 points to 3.6%; National Exchange Bank and Trust led. In Oshkosh-Neenah, WI, where it has lent since at least 1990, its share slipped 0.1 points to 0.8%, a change a few loans could make.
It made 156 loans, 15% more than in 2024. Similar lenders (savings institutions making between half and twice as many loans) grew by 5% and the whole market by 10%, and it grew faster than more than two-thirds of its peers. It remains far below its peak of 863 loans in 2020. Its count bottomed at 111 in 2023 and has risen each year since.
Borrowers with low and moderate incomes (LMI) took 33.8% of its loans, against 24.8% at similar lenders, more than at four in five of them. Its typical loan, $195,000, was smaller than its peers' $245,000. More than half its loans, 56.4%, bought homes, and all were conventional.
LMI neighborhoods took only 7.7% of its loans, against 16.6% at similar lenders, lower than at nearly nine in ten of them. It made no loans in majority-minority areas. All its lending is in Wisconsin, and the 16 counties it serves may have few such neighborhoods.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Fox Valley Savings Bank took 181 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.4% · Refinance 30.1% · Home improvement 9.0% · Other 4.5%
Conventional 100.0% · of 156 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 | 156 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fond du Lac | 82 |
| Oshkosh-Neenah | 26 |
| Appleton | 4 |
| Green Bay | 4 |
| Milwaukee-Waukesha | 4 |
| Madison | 3 |
| La Crosse-Onalaska | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900VLNEK78XKF3M52 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 835770 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 43069 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1703069 | 2011–2017 |
Established 1 October 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Fox Valley Savings Bank's data.
Fox Valley Savings Bank's data
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Fox Valley Savings 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.
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