Growing faster
Its loans rose 30% to 182, against 9% at similar lenders, banks of the same type making between half and twice as many loans. That is faster than about four in five of them. It still makes far fewer loans than the 641 of 2020.
Applications / Mortgage Analytics / Lenders / Wisconsin / Wolf River Community Bank
Wolf River Community Bank
Hortonville, WI · State non-member bank · FDIC · $386 million assets · 182 loans in 2025
Wolf River Community Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
182
loans originated, 2025
199
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wolf River Community Bank, a Hortonville, Wisconsin, bank, grew its loans by 30% in 2025 and lends to more low- and moderate-income borrowers than most similar banks.
Reaching modest borrowers
It made 40.3% of its loans to low- and moderate-income (LMI) borrowers, against 27.7% at similar lenders, a higher share than at nine in ten of them. Five years before, the share was 22.8%.
More than mortgages for purchase
Home improvement and other loans made up nearly a fifth of its lending, at 8.2% and 9.9%, beside purchases at 54.4% and refinances at 27.5%. Its typical loan, $185,000, was close to similar lenders' $175,000.
A Wisconsin bank
All its lending is in Wisconsin. Appleton is its largest market, where it ranked 24 of 257 with 0.9% of lending, down from 1.2% even as its loans grew; lending there by others may simply have grown faster. Its share rose a little in Green Bay and Sheboygan.
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
182 loans in 2025, against a peak of 641 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Wolf River Community Bank took 199 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
54.4% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 54.4% · Refinance 27.5% · Other 9.9% · Home improvement 8.2%
Conventional 100.0% · of 182 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
1 state, 8 metros, 21 counties
| State | Loans | Share |
|---|---|---|
| Wisconsin | 182 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Appleton | 78 |
| Oshkosh-Neenah | 22 |
| Green Bay | 8 |
| Sheboygan | 7 |
| Fond du Lac | 2 |
| Wausau | 2 |
| Eau Claire | 1 |
| Madison | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JCUSJMRA75V483 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2505424 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 334240 | 2000–2017 |
Established 16 October 1996. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Wolf River Community Bank's data.
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