A rebound from a low base
Its loans rose from 48 to 74, while similar lenders (state member banks making between half and twice as many loans) grew 8% and the whole market 10%. The rise comes after a long slide, from 320 loans in 2020 to 44 in 2023.
Applications / Mortgage Analytics / Lenders / Wisconsin / WoodTrust Bank
WoodTrust Bank
Wisconsin Rapids, WI · State member bank · FRS · $663 million assets · 74 loans in 2025
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74
loans originated, 2025
89
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
WoodTrust Bank, of Wisconsin Rapids, raised its loans by 54% in 2025, faster than nearly nine in ten similar lenders, though it still makes far fewer than it did in 2020.
A purchase lender
Purchases made up 73.0% of its loans and refinances only 10.8%, and every loan was conventional. Its typical loan, $200,000, was a little larger than the $175,000 at similar lenders.
More ground in Wausau
Its share of the Wausau market rose from 0.6% to 2.0%, putting it ninth of 196 lenders, behind Covantage Credit Union at the top. Shares are measured in dollars, and its dollar volume nearly tripled, from $12.8 million to $37.2 million, much faster than its loan count. A few large loans may account for much of the gain.
Little lending in poorer tracts
Only 6.8% of its loans went to low- and moderate-income (LMI) neighborhoods, against 17.0% at similar lenders, lower than at nearly nine in ten of them. Its share of LMI borrowers, 24.5%, sits a little below the middle. Much of its lending is in rural Wisconsin, which may hold fewer such neighborhoods, and on 74 loans a few loans move these figures.
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
74 loans in 2025, against a peak of 320 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. WoodTrust Bank took 89 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
73.0% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 73.0% · Other 10.8% · Refinance 10.8% · Home improvement 5.4%
Conventional 100.0% · of 74 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
4 states, 9 metros, 21 counties
| State | Loans | Share |
|---|---|---|
| Wisconsin | 70 | 94.6% |
| Minnesota | 2 | 2.7% |
| Florida | 1 | 1.4% |
| Illinois | 1 | 1.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Wausau | 5 |
| Minneapolis-St. Paul-Bloomington | 3 |
| Green Bay | 2 |
| Milwaukee-Waukesha | 2 |
| Appleton | 1 |
| Eau Claire | 1 |
| Lake County | 1 |
| North Port-Bradenton-Sarasota | 1 |
| Oshkosh-Neenah | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000JCZ0GMM2WOD15 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 833749 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 14639 | 2008–2013 |
| Respondent ID (the HMDA filer code before 2018) | 2833749 | 2014–2017 |
Established 11 August 1891. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: WoodTrust Bank's data.
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