Applications / Mortgage Analytics / Lenders / Wisconsin / Woodford State Bank
Monroe, WI · State non-member bank · FDIC · $509 million assets · 167 loans in 2025
Woodford State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
167
loans originated, 2025
183
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Woodford State Bank, a Monroe, Wisconsin, bank, lends to low- and moderate-income borrowers and neighborhoods far more than most similar banks.
It made 41.1% of its loans to low- and moderate-income (LMI) borrowers, against 27.9% at similar lenders, banks of the same type making between half and twice as many loans. That is higher than at nine in ten of them, and the share has held since 2024, when it was 41.3%.
It made 34.1% of its loans in LMI neighborhoods, about double similar lenders' 17.2%. That share was higher still five years before, at 44.4%.
All its loans were conventional, and none were for manufactured homes. Purchases made up 58.7% and refinances 33.5%. Its typical loan, $195,000, was a little above similar lenders' $175,000.
Its loans rose 8% to 167, close to the 10% of similar lenders, though well below the 455 of 2020. It first reported in 2014. In Madison it ranked 43 of 380, with 0.4% of lending, unchanged from 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Woodford State Bank took 183 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.7% · Refinance 33.5% · Other 5.4% · Home improvement 2.4%
Conventional 100.0% · of 167 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 | 151 | 90.4% |
| Illinois | 14 | 8.4% |
| Hawaii | 2 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Madison | 101 |
| Janesville-Beloit | 2 |
| Kahului-Wailuku | 2 |
| Rockford | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900B5PW4JPZAQI721 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 93244 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310011 | 2014–2017 |
Established 1 January 1915. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Woodford State Bank's data.
Woodford State Bank's data
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Woodford 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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