Applications / Mortgage Analytics / Lenders / Wisconsin / Westbury Bank
Waukesha, WI · State non-member bank · FDIC · $792 million assets · 128 loans in 2025
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128
loans originated, 2025
141
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Westbury Bank, of Waukesha, Wisconsin, rebounded in 2025, making 128 loans after 76 in 2024, but it remains a fraction of the lender it was in 2020.
Its loans rose 68% in 2025, faster than at nearly all similar banks (state non-member banks making between half and twice as many loans), whose loans grew 9%. Yet in 2020 it made 701. Its loans then fell every year to 2024. The figures do not say why.
In 2025 it began lending in non-metro Kansas, where it ranks 68 of 398, and in Des Moines, where it ranks 141 of 396. At home in Milwaukee-Waukesha, where it has lent since 1990, it ranks 77 of 510 with a share of 0.2%, unchanged.
Its typical rate was 6.25%, against 7.00% at peers, lower than at nearly all of them. Higher-priced loans (a rate well above the average for similar loans) were 0.9% of its lending, against 3.4%. Its typical loan, $260,000, was larger than at more than four in five peers.
Low- and moderate-income borrowers took 32.7% of its loans, more than peers' 27.8%. But only 2.3% went to poorer neighborhoods, against 17.6%, among the lowest of its peers. One possible explanation is that its loans cluster around its base in Waukesha rather than in the poorer parts of the wider Milwaukee-Waukesha market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Westbury Bank took 141 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.6% · Refinance 28.9% · Other 7.8% · Home improvement 4.7%
Conventional 99.2% · VA 0.8% · of 128 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 | 122 | 95.3% |
| Iowa | 4 | 3.1% |
| Kansas | 1 | 0.8% |
| West Virginia | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Milwaukee-Waukesha | 93 |
| Fond du Lac | 7 |
| Sheboygan | 5 |
| Des Moines-West Des Moines | 4 |
| Racine-Mount Pleasant | 4 |
| Green Bay | 1 |
| Huntington-Ashland | 1 |
| La Crosse-Onalaska | 1 |
| Oshkosh-Neenah | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002XHCZ94X8YST31 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 524971 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 328400 | 1993–2000 |
| Respondent ID (the HMDA filer code before 2018) | 417893 | 2001–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1717893 | 2011–2017 |
Established 1 January 1926. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Westbury Bank's data.
Westbury Bank's data
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