Applications / Mortgage Analytics / Lenders / Wisconsin / Park Bank
Holmen, WI · National bank · OCC · $79.7 million assets · 64 loans in 2025
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64
loans originated, 2025
75
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Park Bank, a small Wisconsin bank that has lent around La Crosse since at least 1990, makes some of the smallest home loans of any similar lender.
Its typical loan in 2025 was $60,000, down from $115,000 a year earlier and smaller than at almost every similar lender, meaning national banks making between half and twice as many loans; theirs was $177,500. Its lending is spread evenly: refinancing was 34.4% of loans, and purchases, home improvement and other purposes 21.9% each.
It made 64 loans, against 65 in 2024, a fall of 2% while similar lenders grew by 4%. The longer record shows a steep drop, from 463 loans in 2020 to 109 in 2022, and a steady level since.
In La Crosse-Onalaska it ranked 40 of 213 lenders, but its share fell from 1.0% to 0.6%. Altra Federal Credit Union led by a wide margin. The bank's smaller loans, which cut its dollar total from $10.7 million to $7.3 million, may account for much of the slip.
Some 30.2% of its loans went to low- and moderate-income borrowers, against 23.0% at similar lenders, more than about seven in ten of them. Fewer were in poorer neighborhoods, 9.5% against 16.2%; it lends in only six counties of one state, which may leave it few such neighborhoods to serve.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Park Bank took 75 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 34.4% · Home improvement 21.9% · Other 21.9% · Purchase 21.9%
Conventional 100.0% · of 64 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 | 64 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| La Crosse-Onalaska | 43 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900SL0H3ZRSDNV180 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 518354 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 313054 | 1990–2017 |
Established 1 January 1909. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Park Bank's data.
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