Applications / Mortgage Analytics / Lenders / Wisconsin / The Port Washington State Bank
Port Washington, WI · State non-member bank · FDIC · $1.0 billion assets · 260 loans in 2025
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260
loans originated, 2025
328
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Port Washington State Bank, a Wisconsin lender of home purchases, grew in step with similar lenders in 2025 and edged up in Milwaukee.
It made 260 loans, up 9%, the same pace as similar lenders, state non-member banks making between half and twice as many loans. Its share of Milwaukee-Waukesha lending rose from 0.6% to 0.7%, ranking it 35 of 510. In Sheboygan its share slipped from 0.9% to 0.7%; Bank First and Kohler Credit Union lead there. In a market that size, a few loans either way can move the share.
Its typical loan, $235,000, was larger than at nearly three-quarters of its peers, whose typical loan was $175,000. Even so, low- and moderate-income borrowers took 31.6% of its loans, up from 24.2% in 2024 and higher than at about two-thirds of similar lenders.
It turned down 1.4% of first-lien home-purchase applications on owner-occupied homes, against 4.8% at similar lenders. That was lower than at almost nine in ten of them. Home purchases made up 63.1% of its loans, all of them conventional.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Port Washington State Bank took 328 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.1% · Refinance 27.3% · Other 5.8% · Home improvement 3.8%
Conventional 100.0% · of 260 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 | 259 | 99.6% |
| Florida | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Milwaukee-Waukesha | 213 |
| Sheboygan | 22 |
| Fond du Lac | 3 |
| Green Bay | 2 |
| Madison | 1 |
| Punta Gorda | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BPOIHOHG3TPP54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 937740 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38698 | 1990–2017 |
Established 11 September 1899. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Port Washington State Bank's data.
The Port Washington State Bank's data
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The Port Washington State 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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