Applications / Mortgage Analytics / Lenders / Wisconsin / Pillar Bank
Baldwin, WI · State member bank · FRS · $267 million assets · 20 loans in 2025
Pillar Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
20
loans originated, 2025
33
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pillar Bank, a Wisconsin bank known until 2023 as The First Bank of Baldwin, makes only a handful of home loans: 20 in 2025.
Its 20 loans compare with 22 in 2024 and 45 in 2018. A typical similar lender, meaning another state member bank making between half and twice as many loans, made 31. Its loans fell 9% in 2025; its peers' fell 12%, though the whole market grew 10%. It filed no report for 2020, 2021 or 2022, when a bank making fewer than 100 closed-end loans a year did not have to; those are gaps in the record, not years without lending.
With 20 loans, its percentages swing on one or two borrowers. Its shares of loan types, borrower incomes and neighborhoods are best read as counts of a few loans, not as a pattern.
It lent in 8 counties across 3 states, mostly in Wisconsin. It ranks 91 of 220 lenders around Eau Claire and 256 of 659 in rural Wisconsin. Its competition figures include the filings of The Bank of Spring Valley, which merged into it in 2007.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Pillar Bank took 33 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 45.0% · Refinance 35.0% · Home improvement 10.0% · Other 10.0%
Conventional 100.0% · of 20 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 | 18 | 90.0% |
| Minnesota | 1 | 5.0% |
| Montana | 1 | 5.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 4 |
| Eau Claire | 2 |
| Bozeman | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PQ7WSN8JPB7M42 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 143952 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2143952 | 2003–2017 |
Established 23 September 1883. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Pillar Bank's data.
Pillar Bank's data
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Pillar 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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