Applications / Mortgage Analytics / Lenders / Wisconsin / The Park Bank
Madison, WI · State non-member bank · FDIC · $1.6 billion assets · 469 loans in 2025
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469
loans originated, 2025
613
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Park Bank, a Madison lender that makes only conventional loans, grew its lending by 40% in 2025, about four times as fast as similar lenders, and gained ground in its home market.
The bank made 469 loans in 2025, up from 336. Similar lenders, state non-member banks making between half and twice as many loans, grew by 9%, and the whole market by 10%. Its share of Madison lending rose from 2.0% to 2.4%, ranking it 9 of 380. Two credit unions, Summit Credit Union and UW Credit Union, lead that market.
Its typical loan was $255,000, against $175,000 at similar lenders. Jumbo loans, those larger than the conforming limit, made up 4.9% of its lending, against 1.5%. None of its loans was higher-priced (a rate well above the average for similar loans); at its peers the share was 1.7%.
Low- and moderate-income (LMI) borrowers took 19.7% of its loans, lower than at more than four in five similar lenders, where the typical share was 28.2%. In LMI neighborhoods its share was 8.3%, among the lowest tenth. Its larger loans suggest one possible reason: a lender of bigger mortgages may simply draw more borrowers on higher incomes.
The rise ends four years of decline. The bank made 982 loans in 2020, when its typical rate was 3.00%, against 6.50% in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Park Bank took 613 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.9% · Refinance 36.7% · Home improvement 11.1% · Other 9.4%
Conventional 100.0% · of 469 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 | 465 | 99.1% |
| Florida | 3 | 0.6% |
| Minnesota | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Madison | 415 |
| Milwaukee-Waukesha | 9 |
| Janesville-Beloit | 8 |
| Cape Coral-Fort Myers | 1 |
| Fond du Lac | 1 |
| Fort Lauderdale-Pompano Beach-Sunrise | 1 |
| Green Bay | 1 |
| La Crosse-Onalaska | 1 |
| Minneapolis-St. Paul-Bloomington | 1 |
| Naples-Marco Island | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | YQI2CPR3Z44KAR0HG822 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 403946 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319608 | 1990–2017 |
Established 18 July 1966. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Park Bank's data.
The Park Bank's data
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The Park 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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