Lenders › Johnson Bank › Wisconsin
Johnson Bank in Wisconsin
HMDA record for properties in Wisconsin, calendar year 2024. National record · Wisconsin overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Johnson Bank's 2024 HMDA record for Wisconsin covers 3,628 applications, 2,953 of them originated, worth $913m.
Its denial rate in the state was 9.2%, below the Wisconsin rate of 17.1% across all lenders and compared with the lender's national rate of 9.1%.
The median rate spread on its Wisconsin originations was 0.1 percentage points (state median 0.2).
Applications in the state were up 19% on 2023.
Compared with the state and the lender's national record
| Measure | In Wisconsin | Wisconsin, all lenders | Johnson Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 9.2% | 17.1% | 9.1% | 24.3% |
| Median rate spread, pp | 0.1 | 0.2 | 0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.3% | 11.0% | 1.3% | 15.6% |
| Average originated loan | $309k | $223k | $321k | $329k |
| Home purchase share | 53.6% | 46.3% | 54.1% | 57.0% |
| FHA-insured share | 0.0% | 5.6% | 0.0% | 13.4% |
| VA-guaranteed share | 0.4% | 4.3% | 0.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWisconsin, all lenders
Loan purpose and loan type in Wisconsin
By purpose
Home purchase 54% (1,583)Home improvement 12% (355)Refinancing 14% (410)Cash-out refinancing 4% (112)Other purpose 17% (493)
By type
Conventional 100% (2,940)VA 0% (13)
Denial reasons as coded
Share of 319 denials in Wisconsin by first denial reason coded (outlined bar: all lenders in the state).
Counties in Wisconsin
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 484 | 380 | $125m | 9.6% |
| Rock County | 406 | 344 | $78m | 8.1% |
| Racine County | 410 | 326 | $82m | 11.9% |
| Waukesha County | 319 | 268 | $113m | 4.3% |
| Dane County | 300 | 263 | $97m | 5.5% |
| Brown County | 288 | 245 | $74m | 8.2% |
| Kenosha County | 296 | 238 | $65m | 10.0% |
| Outagamie County | 98 | 83 | $20m | 7.4% |
| Jefferson County | 86 | 70 | $15m | 10.8% |
| Sawyer County | 94 | 68 | $14m | 14.9% |
| Ozaukee County | 75 | 53 | $19m | 15.9% |
| Walworth County | 66 | 52 | $15m | 11.1% |
| Barron County | 65 | 52 | $10m | 10.9% |
| Sheboygan County | 69 | 51 | $12m | 9.2% |
| Oconto County | 55 | 46 | $12m | 12.7% |
| Door County | 54 | 44 | $20m | 4.0% |
| Washington County | 50 | 41 | $13m | 12.5% |
| Winnebago County | 48 | 36 | $8.7m | 19.6% |
| Washburn County | 37 | 32 | $6.8m | 5.6% |
| Calumet County | 27 | 25 | $7.3m | 0.0% |
| Bayfield County | 27 | 16 | $3.6m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Johnson Bank originate in Wisconsin in 2024?
2,953 loans totalling $913m, from 3,628 applications reported for properties in Wisconsin.
What is Johnson Bank's denial rate in Wisconsin?
9.2% of decided applications in Wisconsin were denied, against 17.1% for all lenders in the state and 9.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Wisconsin counties does Johnson Bank lend in most?
By originations: Milwaukee County (380), Rock County (344), Racine County (326), Waukesha County (268), Dane County (263).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Wisconsin. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.