Applications / Mortgage Analytics / Lenders / Wisconsin / The First National Bank of Bangor
Bangor, WI · National bank · OCC · $382 million assets · 129 loans in 2025
The First National Bank of Bangor's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
129
loans originated, 2025
132
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank of Bangor grew faster than most similar banks in 2025 and half its borrowers had low or moderate incomes.
Its loans rose 40% to 129, against 4% at similar lenders (national banks making between half and twice as many loans), faster than almost nine in ten of them. It made 58 loans in 2018 and 102 in 2023. It filed no report for 2020 to 2022, gaps in the record rather than years without lending.
Low- and moderate-income (LMI) borrowers took 50.6% of its loans, against 24.5% at peers, higher than at almost all of them. In 2024 the figure was 37.3%. Manufactured homes, 9.3% of its loans against 1.7%, fit a lender of modest borrowers.
LMI neighborhoods took 9.3% of its loans, against 15.9% at peers. Most of its lending is in rural Wisconsin and the La Crosse area, and the mix of tracts there may explain the gap.
It has lent in La Crosse since 1990 and now ranks 9th of 213 lenders, with 2.3% of the market, up from 1.7%. Altra Federal Credit Union leads by a wide margin.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. The First National Bank of Bangor took 132 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.2% · Refinance 33.3% · Home improvement 3.9% · Other 1.6%
Conventional 100.0% · of 129 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 | 120 | 93.0% |
| Minnesota | 7 | 5.4% |
| Iowa | 2 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| La Crosse-Onalaska | 82 |
| Minneapolis-St. Paul-Bloomington | 4 |
| Duluth | 1 |
| Madison | 1 |
| Milwaukee-Waukesha | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C0NMWZNSX3W048 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 627854 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113202 | 1990–2017 |
Established 1 July 1903. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The First National Bank of Bangor's data.
The First National Bank of Bangor's data
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The First National Bank of Bangor 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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