Applications / Mortgage Analytics / Lenders / Wisconsin / State Bank of Chilton
Chilton, WI · State non-member bank · FDIC · $506 million assets · 64 loans in 2025
State Bank of Chilton's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
64
loans originated, 2025
72
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
State Bank of Chilton, a Wisconsin home-purchase lender, now makes 20.3% of its loans in majority-minority neighborhoods, up from 1.6% five years before.
Majority-minority neighborhoods took 20.3% of its loans in 2025, against 6.8% at similar lenders, state non-member banks making between half and twice as many loans. That is more than at about seven in ten of them. Low- and moderate-income neighborhoods took 23.8%, up from 5.2% five years before. Its lending in Milwaukee, where it ranks 132 of 510 lenders, and in Kenosha, which it entered in 2018, may account for the change.
Home purchases made up 79.7% of its loans and refinances 14.1%. Its typical loan was $190,000, close to the $170,000 at similar banks. Low- and moderate-income borrowers took 36.6%, against 27.2% at similar banks.
It made 64 loans, down 6% while similar banks grew 9%. It made 198 loans in 2021 and 191 in 2020. In Appleton, where it has lent since at least 1990, its share slipped from 0.5% to 0.3%, ranking it 56 of 257; with fewer loans overall, a smaller share there could follow.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. State Bank of Chilton took 72 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.7% · Refinance 14.1% · Other 4.7% · Home improvement 1.6%
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 |
|---|---|
| Appleton | 30 |
| Milwaukee-Waukesha | 23 |
| Green Bay | 3 |
| Oshkosh-Neenah | 2 |
| Kenosha | 1 |
| Racine-Mount Pleasant | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | TSQQR4KZYLBZ0MLQ5D71 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 120542 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312331 | 1990–2017 |
Established 19 April 1891. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: State Bank of Chilton's data.
State Bank of Chilton's data
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State Bank of Chilton 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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