Applications / Mortgage Analytics / Lenders / Wisconsin / Bay Bank
Green Bay, WI · State non-member bank · FDIC · $310 million assets · 82 loans in 2025
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82
loans originated, 2025
151
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bay Bank, a small Green Bay lender, makes modest loans to many lower-income borrowers, but its lending shrank in 2025 while banks of its size grew.
It made 82 loans, down from 117, a fall of 30%. Similar lenders, state non-member banks making between half and twice as many loans, grew by 9%, and Bay Bank fell faster than nearly all of them. It made 228 loans in 2020. The data do not say why. Weaker demand for its products or a change in its own lending focus are both possible.
Its typical loan was $115,000, against $175,000 at similar lenders. Fewer than half its loans were for home purchase; 20.7% paid for home improvement and 14.6% for other purposes. Such loans tend to be small, which may explain why its dollar total was $12.0 million against $22.5 million at similar lenders.
It made 44.2% of its loans to low- and moderate-income (LMI) borrowers, against 27.6% at similar lenders. Another 37.8% were in LMI tracts, against 18.5%. On both counts it was higher than about nine in ten similar lenders.
Its share in Green Bay fell from 0.7% to 0.2%, and in Appleton from 0.3% to 0.1%. Both falls track its lower loan count. Community First Credit Union leads each 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bay Bank took 151 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 39.0% · Refinance 25.6% · Home improvement 20.7% · Other 14.6%
Conventional 100.0% · of 82 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 | 82 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Green Bay | 24 |
| Appleton | 21 |
| Milwaukee-Waukesha | 2 |
| Minneapolis-St. Paul-Bloomington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900ACGDT107SC5E82 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2329200 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 334052 | 1996–2017 |
Established 21 August 1995. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Bay Bank's data.
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