Applications / Mortgage Analytics / Lenders / Wisconsin / Town Bank
Hartland, WI · National bank · OCC · $4.5 billion assets · 196 loans in 2025
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196
loans originated, 2025
240
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Town Bank, a Wisconsin national bank, lends big: its typical loan of $575,000 was about three times the peer figure, and its lending rose 75% in 2025.
Similar lenders, national banks making between half and twice as many loans, had a typical loan of $180,000. Town Bank's was $575,000, and 31.7% of its loans were jumbo (larger than the conforming limit), against 2.0% at its peers. Its 196 loans came to $144.7 million, more than about nine in ten similar banks lent.
Its loans rose 75% from 112, while similar banks grew 5% and the whole market 10%, faster growth than nearly all its peers. That brought it back near its levels of 2018 and 2019, when it made 184 and 198 loans. It also bought 42 loans from other lenders, where the typical similar bank bought none. Most of its lending, 78.1%, financed home purchases.
Its share of Madison's mortgage dollars more than doubled, to 1.2% from 0.5%, and it ranks 20 of 380 lenders there. Two credit unions lead that market, Summit Credit Union and UW Credit Union. It gained smaller amounts around Milwaukee-Waukesha and Racine-Mount Pleasant.
Borrowers with low or moderate incomes (LMI) took 15.3% of its loans, against 25.4% at similar banks, lower than about four in five of them. Its share of loans in LMI neighborhoods, 12.8%, was also below the peer figure of 15.9%. A bank whose typical loan is $575,000 finances costlier homes, which may account for much of the difference. The borrower share did rise from 11.3% in 2024.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Town Bank took 240 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 78.1% · Refinance 20.9% · Home improvement 1.0%
Conventional 100.0% · of 196 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 | 192 | 98.0% |
| California | 2 | 1.0% |
| Minnesota | 1 | 0.5% |
| South Carolina | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Madison | 83 |
| Milwaukee-Waukesha | 67 |
| Racine-Mount Pleasant | 11 |
| Janesville-Beloit | 3 |
| Minneapolis-St. Paul-Bloomington | 2 |
| Sheboygan | 2 |
| Anaheim-Santa Ana-Irvine | 1 |
| Appleton | 1 |
| Eau Claire | 1 |
| Fond du Lac | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930037K28BC4GVBU20 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2693264 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 22693264 | 2000–2017 |
Established 23 July 1998. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Town Bank's data.
Town Bank's data
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Town 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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