Applications / Mortgage Analytics / Lenders / Wisconsin / Oak Bank
Fitchburg, WI · State non-member bank · FDIC · $472 million assets · 51 loans in 2025
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51
loans originated, 2025
59
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Oak Bank, of Fitchburg, Wisconsin, makes home-purchase loans about twice the size of its peers', and its lending grew for a second year in 2025.
Its typical loan was $335,000, against $165,000 at similar lenders (state non-member banks making between half and twice as many loans), larger than at nearly nine in ten of them. Purchases made up 68.6% of its loans and refinances 27.5%. Every loan was conventional.
Its loans rose 19%, from 43 to 51, faster than about two-thirds of peers, which grew 5%. That follows a steep fall: it made 252 loans five years earlier and 37 in 2023.
Madison is its largest market. It has lent there since 2002 and ranks 59 of 380 lenders, with a share of 0.3%, unchanged on the year. Summit Credit Union and UW Credit Union lead the market.
Low- and moderate-income borrowers took 13.2% of its loans, against 27.3% at peers, and low- and moderate-income neighborhoods 5.9%, against 18.6%. Loans of its size may go mostly to higher-income buyers, which could explain much of the gap. With 51 loans, a handful of loans either way moves these shares a good deal.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Oak Bank took 59 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.6% · Refinance 27.5% · Home improvement 2.0% · Other 2.0%
Conventional 100.0% · of 51 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 | 49 | 96.1% |
| Florida | 1 | 2.0% |
| Illinois | 1 | 2.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Madison | 37 |
| Janesville-Beloit | 2 |
| Milwaukee-Waukesha | 2 |
| Chicago-Naperville-Schaumburg | 1 |
| Green Bay | 1 |
| Punta Gorda | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UXZ76FJVM3UC43 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2857600 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 335333 | 2002–2017 |
Established 14 August 2000. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Oak Bank's data.
Oak Bank's data
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Oak 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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