Applications / Mortgage Analytics / Lenders / Wisconsin / Bank of Milton
Milton, WI · State non-member bank · FDIC · $233 million assets · 85 loans in 2025
Bank of Milton's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
85
loans originated, 2025
99
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Milton, a small Wisconsin purchase lender, bounced back in 2025: its loans rose 60%, to 85, and it gained share in Janesville-Beloit, its home market.
Originations rose from 53 to 85, faster than about nine in ten similar lenders (state non-member banks making between half and twice as many loans), which grew 9%. The rise follows four years of decline from 259 loans in 2020, so the bank remains well below that peak.
Home purchases were 69.4% of its loans, all conventional. Manufactured homes made up 14.1%, against 2.7% at peers, higher than more than four in five of them. Its typical loan, $165,000, was close to peers' $175,000.
Borrowers with low and moderate incomes (LMI) took 37.8% of its loans, against 27.7% at peers, higher than about four in five of them. Five years before, the share was 20.8%. Yet LMI neighborhoods took only 7.1%, against 18.5%; the counties it serves may hold few such areas.
In Janesville-Beloit it ranked 15 of 264 lenders with 1.5%, up 0.6 points from 0.9%. Johnson Bank and UW Credit Union led that market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of Milton took 99 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.4% · Refinance 21.2% · Other 7.1% · Home improvement 2.4%
Conventional 100.0% · of 85 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 | 84 | 98.8% |
| Illinois | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Janesville-Beloit | 65 |
| Madison | 7 |
| Milwaukee-Waukesha | 2 |
| Chicago-Naperville-Schaumburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900FYMABY3EPG2K50 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 426945 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311232 | 1990–2017 |
Established 25 March 1884. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Bank of Milton's data.
Bank of Milton's data
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Bank of Milton 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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