Applications / Mortgage Analytics / Lenders / Wisconsin / Prevail Bank
Medford, WI · Savings institution · OCC · $979 million assets · 180 loans in 2025
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180
loans originated, 2025
253
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Prevail Bank lent $84.2 million in 2025, far more than the $56.1 million of 2024, on barely more loans.
The Wisconsin savings institution made 180 loans, up from 172. Growth of 5% put it near the middle of similar lenders (savings institutions making between half and twice as many loans), which typically grew 7%. The extra dollars came from size: its typical loan rose from $120,000 to $175,000. That is still below the $230,000 typical of similar lenders. The bank is much smaller than in 2021, when it made 790 loans.
Its share of lending in Oshkosh-Neenah rose from 0.0% to 1.6%, ranking it 19 of 231 lenders. In nearby Appleton it went the other way, falling from 1.1% to 0.4%. Community First Credit Union leads both markets. In markets this size a handful of larger loans can move a share either way.
Borrowers with low or moderate incomes (LMI) took 31.8% of its loans, against 24.8% at similar lenders, higher than about three in four. Yet only 8.9% of its loans were in LMI neighborhoods, against 16.9%, lower than more than four in five. Its largest market is non-metro Wisconsin, and the places it serves may simply have few such neighborhoods.
Its typical rate was 6.75%, close to similar lenders' 6.50%, and none of its loans was higher-priced (a rate well above the average for similar loans). Purchases made up 45.6% of its loans and home improvement 13.9%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Prevail Bank took 253 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 45.6% · Refinance 28.3% · Home improvement 13.9% · Other 12.2%
Conventional 100.0% · of 180 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 | 178 | 98.9% |
| Minnesota | 2 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Eau Claire | 31 |
| Wausau | 22 |
| Oshkosh-Neenah | 4 |
| Minneapolis-St. Paul-Bloomington | 3 |
| Appleton | 2 |
| Madison | 2 |
| Duluth | 1 |
| Fond du Lac | 1 |
| Green Bay | 1 |
| Milwaukee-Waukesha | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900OC13I9CJC7SD87 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 27070 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 43235 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1703235 | 2011–2017 |
Established 18 February 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Prevail Bank's data.
Prevail Bank's data
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