Applications / Mortgage Analytics / Lenders / Wisconsin / Bank of Ontario
Ontario, WI · Depository institution · FDIC · 53 loans in 2025
Bank of Ontario's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
53
loans originated, 2025
60
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Ontario, a small Wisconsin lender that first reported in 2024, makes small loans, nearly half of them on manufactured homes, mostly to lower-income borrowers.
Manufactured homes made up 45.3% of its 53 loans. Among similar lenders (lenders of the same type making between a quarter and four times as many loans, of which there are 15) the figure was 1.8%, and none was higher. Its typical loan, $45,000, was the lowest of the group; peers' was $155,000.
Borrowers with low and moderate incomes (LMI) took 60.4% of its loans, against 20.0% at peers, the highest of them. Small manufactured-home loans may suit such borrowers. LMI neighborhoods took 7.5%, against 10.6%.
Originations fell 7%, from 57 to 53, while similar lenders grew 19% and the whole market 10%. Refinances were 60.4% of its loans, all conventional. With two years of reports, there is little history to judge it by.
In La Crosse-Onalaska it ranked 52 of 213 lenders with 0.3%, up 0.1 points; Altra Federal Credit Union and Servion led. It made its first loans in non-metro Michigan in 2025.
Similar lenders: same lender type, originations between a quarter and four times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of Ontario took 60 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 60.4% · Purchase 35.8% · Home improvement 3.8%
Conventional 100.0% · of 53 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 | 52 | 98.1% |
| Michigan | 1 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| La Crosse-Onalaska | 34 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900MZW8UJ32XU2802 | 2024–2025 |
Established 18 August 1983. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Bank of Ontario's data.
Bank of Ontario's data
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