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Multifamily record
Bank Five Nine: multifamily loans made
Bank Five Nine, a bank based in Oconomowoc, WI, made 23 multifamily loans in 2024 and 2025, $55M in all, in 15 states. The typical loan was about $1.8M, and the largest about $7.4M. Most were in Whitfield County, GA.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 9, 2026
- Multifamily loans
- 23
- HMDA,
- 2024 and 2025. Manufactured-home parks excluded
- Dollars
- $55.0M
- HMDA,
- Rounded amounts
- Typical loan
- $1.8M
- HMDA,
- Largest loan
- $7.4M
- HMDA,
- Rounded to 2 significant figures
- States
- 15
- HMDA,
Cite this
Source: The Lender Report, Bank Five Nine: multifamily loans made, https://lender.report/lender/bank-five-nine-wi/multifamily/, data as of December 31, 2025.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Merrick County, NE | Purchase, 25 to 49 units | $5.4M | 8% | 30 yr | 71% | HMDA 2025 |
| 2025 | Meade County, SD | Cash-out refinance, 25 to 49 units | $5M | 8.25% | 31 yr | 64% | HMDA 2025 |
| 2025 | Kent County, RI | Cash-out refinance, 5 to 24 units | $2.7M | 9% | 33 yr | 85% | HMDA 2025 |
| 2025 | Illinois | Purchase, 25 to 49 units | $2.5M | 8.25% | 30 yr | 70% | HMDA 2025 |
| 2025 | Collin County, TX | Purchase, 25 to 49 units | $1.9M | 8.25% | 33 yr | 82% | HMDA 2025 |
| 2025 | Montgomery County, OH | Purchase, 5 to 24 units | $1.8M | 8.75% | 33 yr | 75% | HMDA 2025 |
| 2025 | Sumner County, TN | Purchase, 5 to 24 units | $1.6M | 8% | 33 yr | 86% | HMDA 2025 |
| 2025 | Wake County, NC | Purchase, 50 to 99 units | $1.4M | 8.5% | 33 yr | 76% | HMDA 2025 |
| 2025 | Catawba County, NC | Purchase, 5 to 24 units | $1.2M | 8.25% | 26 yr | 80% | HMDA 2025 |
| 2025 | Tarrant County, TX | Purchase, 5 to 24 units | $900K | 8.5% | 25 yr | 94% | HMDA 2025 |
| 2025 | Fond du Lac County, WI | Cash-out refinance, 5 to 24 units | $780K | 9.25% | 25 yr | 62% | HMDA 2025 |
| 2024 | LaPorte County, IN | Purchase, 50 to 99 units | $7.4M | 9% | 33 yr | 42% | HMDA 2024 |
| 2024 | Clark County, NV | Purchase, 100 to 149 units | $4.9M | 9.5% | 33 yr | 73% | HMDA 2024 |
| 2024 | Iredell County, NC | Cash-out refinance, 25 to 49 units | $2.8M | 9% | 31 yr | 85% | HMDA 2024 |
| 2024 | Minneapolis-St. Paul-Bloomington, MN-WI | Purchase, 25 to 49 units | $2.7M | 9.5% | 33 yr | 85% | HMDA 2024 |
| 2024 | Fort Bend County, TX | Refinance, 25 to 49 units | $2.4M | 9.5% | 33 yr | 71% | HMDA 2024 |
| 2024 | Geauga County, OH | Purchase, 5 to 24 units | $2.2M | 10% | 25 yr | 84% | HMDA 2024 |
| 2024 | Cobb County, GA | Purchase, 5 to 24 units | $1.8M | 9.5% | 33 yr | 81% | HMDA 2024 |
| 2024 | Alabama | Cash-out refinance, 5 to 24 units | $1.7M | 9.5% | 33 yr | 82% | HMDA 2024 |
| 2024 | Camden County, NJ | Cash-out refinance, 5 to 24 units | $1.7M | 9.5% | 25.8 yr | 81% | HMDA 2024 |
| 2024 | Bexar County, TX | Purchase, 5 to 24 units | $960K | 9.75% | 25 yr | 106% | HMDA 2024 |
| 2024 | Whitfield County, GA | Refinance, 5 to 24 units | $840K | 8.75% | 33 yr | 80% | HMDA 2024 |
| 2024 | Whitfield County, GA | Refinance, 5 to 24 units | $420K | 8.75% | 33 yr | 62% | HMDA 2024 |
| 23 multifamily loans made in 2024 and 2025 | $55.0M | HMDA 2024 and 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| Whitfield County, GA | County | 2 | $1.26M |
| Alabama | State | 1 | $1.70M |
| Bexar County, TX | County | 1 | $960K |
| Camden County, NJ | County | 1 | $1.70M |
| Catawba County, NC | County | 1 | $1.20M |
| Clark County, NV | County | 1 | $4.90M |
| Cobb County, GA | County | 1 | $1.80M |
| Collin County, TX | County | 1 | $1.90M |
| Fond du Lac County, WI | County | 1 | $780K |
| Fort Bend County, TX | County | 1 | $2.40M |
| Geauga County, OH | County | 1 | $2.20M |
| Illinois | State | 1 | $2.50M |
A county is named only where the public file holds 5 or more multifamily loans there in the year; otherwise the metro area or the state is.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $1M | 5 | $3.90M |
| $1M to $2.5M | 10 | $17.7M |
| $2.5M to $5M | 5 | $15.6M |
| $5M to $10M | 3 | $17.8M |
| $10M or more | 0 | $0 |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2024 | 12 | $29.8M | $2.2M |
| 2025 | 11 | $25.2M | $1.8M |
| Purpose | Loans |
|---|---|
| Purchase | 14 |
| Refinance | 3 |
| Cash-out refinance | 6 |
| Units | Loans |
|---|---|
| 5 to 24 units | 13 |
| 25 to 49 units | 7 |
| 50 to 99 units | 2 |
| 100 to 149 units | 1 |
- Bank Five Nine made 23 multifamily loans totaling $55M in 2024 and 2025, in 22 named places across 15 states. HMDA,
- It made 11 of them in 2025 and 12 in 2024. HMDA,
- The typical loan was about $1.8M, with the middle half between $1.2M and $2.7M. HMDA,
- The largest was about $7.4M. Every amount is rounded to 2 significant figures. HMDA,
- 5 loans were under $1M, and 3 were $5M or more. HMDA,
- It reported a median rate of 9.00% on 23 loans, with the middle half between 8.25% and 9.50%. HMDA,
- The median term was 33 years. HMDA,
- The median loan to value was 80%. HMDA,
- 39% of the loans were refinancings and 61% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 13 loans. HMDA,
- HMDA shows 6 of the 23 multifamily loans Bank Five Nine made with a known channel in 2024 to 2025 as coming through a third party. HMDA,
- Its loans were most often in Whitfield County, GA (2), Bexar County, TX (1) and Camden County, NJ (1). HMDA,
What we don't know
- Whether Bank Five Nine is taking new multifamily loans today.
- Its minimum or maximum loan, its fees and its other terms. HMDA reports the rate, term and loan to value, and this page shows what it reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
Place is a county only where the public file holds 5 or more multifamily loans of that year there, otherwise the metro area or the state. Amounts are rounded to 2 significant figures and HMDA has a year, never a date.
HMDA covers dwelling-secured loans. Manufactured-home parks are left out of every count.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.