Unverified listing What this means
The Lender Report built this page from public records. National Exchange Bank and Trust has not reviewed it. Every lender's page starts this way, and it says nothing about National Exchange Bank and Trust itself. Each figure shows its source and date. Work at National Exchange Bank and Trust? You can claim this page for free.
Multifamily record
National Exchange Bank and Trust: multifamily loans made
National Exchange Bank and Trust, a bank based in Fond Du Lac, WI, made 24 multifamily loans in 2024 and 2025, $55.6M in all, in 4 states. The typical loan was about $260K, and the largest about $20M. Most were in Fond du Lac County, WI.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 9, 2026
- Multifamily loans
- 24
- HMDA,
- 2024 and 2025. Manufactured-home parks excluded
- Dollars
- $55.6M
- HMDA,
- Rounded amounts
- Typical loan
- $260K
- HMDA,
- Largest loan
- $20M
- HMDA,
- Rounded to 2 significant figures
- States
- 4
- HMDA,
Cite this
Source: The Lender Report, National Exchange Bank and Trust: multifamily loans made, https://lender.report/lender/national-exchange-bank-and-trust-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 | Calumet County, WI | Refinance, 50 to 99 units | $20M | 5.99% | 5 yr | 141% | HMDA 2025 |
| 2025 | Washington County, WI | Purchase, 50 to 99 units | $12M | 5.99% | 5 yr | 68% | HMDA 2025 |
| 2025 | Olmsted County, MN | Purchase, 50 to 99 units | $3.3M | 6% | 5 yr | 74% | HMDA 2025 |
| 2025 | Olmsted County, MN | Purchase, 50 to 99 units | $1.6M | 6% | 5 yr | 74% | HMDA 2025 |
| 2025 | Sheboygan County, WI | Purchase, 25 to 49 units | $1.5M | 6.75% | 3 yr | 42% | HMDA 2025 |
| 2025 | Milwaukee County, WI | Purchase, 5 to 24 units | $500K | 6.75% | 5 yr | 41% | HMDA 2025 |
| 2025 | Fond du Lac County, WI | Refinance, 5 to 24 units | $260K | 6.63% | 5 yr | 50% | HMDA 2025 |
| 2025 | Sheboygan County, WI | Refinance, 5 to 24 units | $260K | 6.75% | 3 yr | 49% | HMDA 2025 |
| 2025 | Manitowoc County, WI | Cash-out refinance, 5 to 24 units | $220K | 8% | 3 yr | 41% | HMDA 2025 |
| 2025 | Fond du Lac County, WI | Cash-out refinance, 5 to 24 units | $180K | 7.13% | 4 yr | 18% | HMDA 2025 |
| 2025 | Fond du Lac County, WI | Purchase, 5 to 24 units | $120K | 6.5% | 3 yr | 66% | HMDA 2025 |
| 2025 | Wisconsin | Improvement, 5 to 24 units | $120K | 7% | 4 yr | 19% | HMDA 2025 |
| 2025 | Milwaukee County, WI | Purchase, 5 to 24 units | $55K | 8.5% | 2 yr | 44% | HMDA 2025 |
| 2024 | Waukesha County, WI | Purchase, 50 to 99 units | $9.6M | 7.44% | 5 yr | 70% | HMDA 2024 |
| 2024 | Grand Forks County, ND | Purchase, 50 to 99 units | $2.8M | 6.73% | 5 yr | 64% | HMDA 2024 |
| 2024 | Iowa | Purchase, 25 to 49 units | $1.2M | 6.07% | 5 yr | 74% | HMDA 2024 |
| 2024 | Iowa | Purchase, 25 to 49 units | $600K | 6.07% | 5 yr | 74% | HMDA 2024 |
| 2024 | Washington County, WI | Cash-out refinance, 5 to 24 units | $500K | 8.5% | 2 yr | 76% | HMDA 2024 |
| 2024 | Fond du Lac County, WI | Purchase, 5 to 24 units | $220K | 8.25% | 3 yr | 70% | HMDA 2024 |
| 2024 | Fond du Lac County, WI | Purchase, 5 to 24 units | $220K | 8.25% | 5 yr | 69% | HMDA 2024 |
| 2024 | Fond du Lac County, WI | Purchase, 5 to 24 units | $120K | 7.75% | 3 yr | 67% | HMDA 2024 |
| 2024 | Sheboygan County, WI | Cash-out refinance, 5 to 24 units | $120K | 7.5% | 3 yr | 43% | HMDA 2024 |
| 2024 | Fond du Lac County, WI | Improvement, 5 to 24 units | $35K | 11% | 2 yr | 47% | HMDA 2024 |
| 2024 | Calumet County, WI | Improvement, 5 to 24 units | $25K | 8.5% | 3 yr | 71% | HMDA 2024 |
| 24 multifamily loans made in 2024 and 2025 | $55.6M | HMDA 2024 and 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| Fond du Lac County, WI | County | 7 | $1.16M |
| Sheboygan County, WI | County | 3 | $1.88M |
| Calumet County, WI | County | 2 | $20.0M |
| Iowa | State | 2 | $1.80M |
| Milwaukee County, WI | County | 2 | $555K |
| Olmsted County, MN | County | 2 | $4.90M |
| Washington County, WI | County | 2 | $12.5M |
| Grand Forks County, ND | County | 1 | $2.80M |
| Manitowoc County, WI | County | 1 | $220K |
| Waukesha County, WI | County | 1 | $9.60M |
| Wisconsin | State | 1 | $120K |
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 | 16 | $3.56M |
| $1M to $2.5M | 3 | $4.30M |
| $2.5M to $5M | 2 | $6.10M |
| $5M to $10M | 1 | $9.60M |
| $10M or more | 2 | $32.0M |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2024 | 11 | $15.4M | $220K |
| 2025 | 13 | $40.1M | $260K |
| Purpose | Loans |
|---|---|
| Purchase | 14 |
| Refinance | 3 |
| Cash-out refinance | 4 |
| Improvement | 3 |
| Units | Loans |
|---|---|
| 5 to 24 units | 15 |
| 25 to 49 units | 3 |
| 50 to 99 units | 6 |
- National Exchange Bank and Trust made 24 multifamily loans totaling $55.6M in 2024 and 2025, in 11 named places across 4 states. HMDA,
- It made 13 of them in 2025 and 11 in 2024. HMDA,
- The typical loan was about $260K, with the middle half between $120K and $1.6M. HMDA,
- The largest was about $20M. Every amount is rounded to 2 significant figures. HMDA,
- 16 loans were under $1M, and 3 were $5M or more. HMDA,
- It reported a median rate of 7.00% on 24 loans, with the middle half between 6.50% and 8.25%. HMDA,
- The median term was 4 years. HMDA,
- The median loan to value was 67%. HMDA,
- 29% of the loans were refinancings and 58% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 15 loans. HMDA,
- Its loans were most often in Fond du Lac County, WI (7), Sheboygan County, WI (3) and Calumet County, WI (2). HMDA,
What we don't know
- Whether National Exchange Bank and Trust 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.