Applications / Mortgage Analytics / Lenders / Wisconsin / PremierBank
Fort Atkinson, WI · State non-member bank · FDIC · $580 million assets · 128 loans in 2025
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128
loans originated, 2025
157
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
PremierBank, a Wisconsin bank that lends mostly to home buyers, made 128 loans in 2025, 35% fewer than in 2024, while similar lenders grew.
Similar lenders, state non-member banks making between half and twice as many loans, typically grew 9% in 2025, and the whole market 10%. PremierBank's loans fell to 128 from 196, a steeper fall than at nearly all of them. The decline is not new. The bank reported 695 loans in 2020 and 500 in 2021, then 292, 187 and 196. The figures do not say why.
Home purchases made up 61.7% of its loans and refinances 30.5%. Nearly all, 99.2%, were conventional. Its typical loan, $175,000, matched similar lenders'.
In Janesville-Beloit, where it has lent since 1992, its share fell to 0.3% from 1.1%. It now ranks 50 of 264 lenders; Johnson Bank and UW Credit Union lead. The bank's lower volume overall may account for much of the drop. Competitors may also have taken a larger part of that market.
Low- and moderate-income (LMI) borrowers took 28.1% of its loans, close to similar lenders' 27.8%. Poorer neighborhoods (LMI census tracts) were another matter. They received 7.9% of its loans, against 17.6% at its peers, a lower share than at more than four in five. That may reflect the places it serves; its largest market is non-metro Wisconsin.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. PremierBank took 157 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.7% · Refinance 30.5% · Home improvement 4.7% · Other 3.1%
Conventional 99.2% · USDA (RHS or FSA) 0.8% · of 128 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 | 125 | 97.7% |
| Illinois | 2 | 1.6% |
| Florida | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Janesville-Beloit | 18 |
| Milwaukee-Waukesha | 13 |
| Madison | 9 |
| Rockford | 1 |
| Wildwood-The Villages | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900G9TLX0Q50U7H04 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 907547 | 2018–2023 |
Established 27 October 1863. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: PremierBank's data.
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