Applications / Mortgage Analytics / Lenders / Wisconsin / Laona State Bank
Laona, WI · State non-member bank · FDIC · $297 million assets · 112 loans in 2025
Laona State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
112
loans originated, 2025
151
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Laona State Bank, a small Wisconsin bank, does far more of its lending in low- and moderate-income neighborhoods than similar banks: 44.6% of its loans, against 18.2%.
Its share of loans in low- and moderate-income (LMI) neighborhoods was higher than at more than nine in ten similar lenders (banks of the same type making between half and twice as many loans). LMI borrowers took 41.3% of its loans, against 27.9% at similar lenders, up from 29.5% a year earlier.
Manufactured homes made up 10.7% of its loans, against 3.3% at similar banks. Its typical loan, $110,000, was smaller than at more than four in five of them, whose typical loan was $175,000. Half its loans were for home purchases.
Loans slipped 5% to 112, while similar banks grew 9% and the whole market 10%. With about a hundred loans a year, a handful either way moves the figure. In Green Bay, its only metro market, its share eased to 0.2% from 0.3%, ranking it 74 of 293; at its size, a few loans either way may account for that. In non-metro Wisconsin, its largest market, it ranks 127 of 659.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Laona State Bank took 151 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Refinance 30.4% · Other 14.3% · Home improvement 5.4%
Conventional 100.0% · of 112 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 | 112 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Green Bay | 26 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ICVSTMS2XFXX81 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 178150 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311601 | 2004–2017 |
Established 1 January 1914. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Laona State Bank's data.
Laona State Bank's data
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Laona State Bank 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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