Applications / Mortgage Analytics / Lenders / Wisconsin / American National Bank - Fox Cities
Appleton, WI · National bank · OCC · $419 million assets · 55 loans in 2025
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55
loans originated, 2025
58
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American National Bank - Fox Cities, a small bank in Appleton, Wisconsin, grew faster in 2025 than nine in ten banks of its size, lifting its loans 53% to 55, though that is still far below the 239 of 2020.
Its loans rose 53%, from 36. Similar lenders, national banks making between half and twice as many loans, grew 2%, and the whole market 10%. Only about one in ten peers grew faster. The bank had made just 26 loans in both 2022 and 2023.
Its typical loan was $335,000, against $185,000 at peers, higher than at about four in five of them. Jumbo loans, those larger than the conforming limit, rose to 13.7% of its lending from 5.6% a year earlier, against 3.2% at peers. Purchases, at 47.3%, and refinances, at 45.5%, split its business almost evenly. Every loan was conventional.
Borrowers of low or moderate income (LMI) took 32.0% of its loans, against 23.2% at peers. Yet poorer neighborhoods (LMI tracts) took only 5.6%, lower than at nearly nine in ten peers, against 16.7%. A possible reason is where it lends: 11 counties around Appleton, Green Bay and Oshkosh-Neenah.
It has lent in Appleton, Green Bay and Oshkosh-Neenah since 1994, and its share rose in all three. In Appleton, its largest, it reached 0.5% and ranked 42 of 257. Community First Credit Union led each of them. With so few loans, small shifts in its count move these shares.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American National Bank - Fox Cities took 58 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 47.3% · Refinance 45.5% · Other 7.3%
Conventional 100.0% · of 55 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 | 54 | 98.2% |
| Illinois | 1 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Appleton | 17 |
| Green Bay | 16 |
| Oshkosh-Neenah | 16 |
| Lake County | 1 |
| Milwaukee-Waukesha | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300B63HUNVIWL5V50 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2051127 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 122553 | 1994–2017 |
Established 14 June 1993. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: American National Bank - Fox Cities's data.
American National Bank - Fox Cities's data
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American National Bank - Fox Cities 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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