Applications / Mortgage Analytics / Lenders / Wisconsin / The Stephenson National Bank and Trust
Marinette, WI · National bank · OCC · $693 million assets · 180 loans in 2025
The Stephenson National Bank and Trust's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
180
loans originated, 2025
230
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Stephenson National Bank and Trust, of Marinette, Wisconsin, lends more in poorer neighborhoods than most similar lenders, and its loans grew 14% in 2025.
Loans in low- and moderate-income (LMI) neighborhoods made up 25.6% of its lending, against 15.3% at similar lenders (national banks making between half and twice as many loans), more than at four in five of them. Borrowers on LMI incomes took 30.5%, against 25.0%. Both shares are up from 2020.
Manufactured homes made up 11.1% of its loans, against 1.7% at a typical peer, more than at about seven in eight similar lenders. That may help explain its small typical loan, $145,000 against $185,000. Every loan was conventional, none government-backed.
Its loans rose to 180 from 158, faster than at about two in three similar lenders, whose loans grew 5%. The whole market grew 10%.
Its largest markets are non-metro Wisconsin and Michigan, where it ranked 130th of 659 and 128th of 606 lenders. In Green Bay it ranked 40th of 293, with 0.4% of lending, unchanged on 2024. Community First Credit Union leads there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Stephenson National Bank and Trust took 230 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.9% · Refinance 33.9% · Home improvement 8.3% · Other 3.9%
Conventional 100.0% · of 180 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 | 131 | 72.8% |
| Michigan | 49 | 27.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Green Bay | 36 |
| Appleton | 6 |
| Oshkosh-Neenah | 2 |
| Sheboygan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300508JOHWSRFDR57 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 598048 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 14137 | 2004–2017 |
Established 30 October 1874. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: The Stephenson National Bank and Trust's data.
The Stephenson National Bank and Trust's data
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The Stephenson National Bank and Trust 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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