Growing again
It made 273 loans in 2025, up from 223. Similar lenders (state non-member banks making between half and twice as many loans) grew by 8%, and the whole market by 10%. Its lending is still well below the 908 loans it made in 2020.
Applications / Mortgage Analytics / Lenders / Wisconsin / Mound City Bank
Mound City Bank
Platteville, WI · State non-member bank · FDIC · $544 million assets · 273 loans in 2025
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273
loans originated, 2025
316
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mound City Bank, a Wisconsin community bank, made 22% more home loans in 2025, faster growth than most similar banks, and all of them conventional.
A plain conventional book
Every loan it made was conventional, with no government-backed lending. Home purchases make up 57.1% of its loans and refinances 37.4%. Its typical loan, $185,000, is close to its peers' $175,000.
Local markets
It lends in 28 counties across three states. It ranks 22 of 114 lenders in Dubuque and 41 of 380 in Madison, markets where credit unions lead. It has reported in both since 2008.
Modest incomes, few denials
Borrowers with low or moderate incomes (LMI) take 31.8% of its loans, more than at similar banks (27.9%). Only 7.8% of its loans are in LMI neighborhoods, though, among the lowest tenth of its peers; one possible reason is the markets it serves, from Madison to rural Wisconsin and Dubuque. It denied 0.7% of home-purchase applications, against 4.8% at similar banks.
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
273 loans in 2025, against a peak of 908 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mound City Bank took 316 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
57.1% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 57.1% · Refinance 37.4% · Home improvement 3.7% · Other 1.8%
Conventional 100.0% · of 273 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
3 states, 11 metros, 28 counties
| State | Loans | Share |
|---|---|---|
| Wisconsin | 262 | 96.0% |
| Iowa | 9 | 3.3% |
| Illinois | 2 | 0.7% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Madison | 66 |
| Janesville-Beloit | 9 |
| Dubuque | 6 |
| Minneapolis-St. Paul-Bloomington | 2 |
| Ames | 1 |
| Eau Claire | 1 |
| Green Bay | 1 |
| La Crosse-Onalaska | 1 |
| Milwaukee-Waukesha | 1 |
| Rockford | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C70VBQUGXHPR07 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 259442 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39037 | 2008–2017 |
Established 15 February 1915. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Mound City Bank's data.
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