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At Town Bank, we’re here to provide you with financial solutions for all your lending needs. Whether you are looking for a loan, mortgage, or line of credit, our knowledgeable and experienced lending team will explain our lending options to you in a straightforward manner.

Unlike big banks, at Town Bank we’re proud to make all lending decisions here in Madison, Delafield, Wales, Elm Grove and Hartland. Since our decision-makers work in the bank each day, they’ll review your loan application and respond within a few days. Our goal is to make getting a loan an easy and stress-free process!

Some of our loan products include:

Home Equity Lines of Credit

Our home equity lines of credit can be used for a variety of purposes, may be tax deductible (consult your tax advisor) and provide a lower cost way to borrow for:

  • Improving your home
  • Purchasing a vehicle
  • Paying off medical bills
  • Consolidating debt
  • Paying off a credit card balance while lowering your cost of borrowing

Give us a call or stop in today for more information.

Construction Loans

From lot financing to construction loans to the end mortgages, we can help you get the best interest rates in the marketplace. We also provide superior service to ensure that you are completely satisfied. Here is a summary of our Construction Financing programs:

Lot Financing Program

  • Invest your cash in the lot at the time of the closing, but who do not wish to pledge assets beyond the lot, we will lend you up to 75% of the appraised value of the lot at the time of closing. Contact a loan officer for details on unimproved property.
  • Interest Rate—Your interest rate will reflect the loan structure that you choose from the two above described options. Either way, your interest rate will be very competitive. Please see the bank for rate and disclosure information.
  • Term—We will be flexible with your loan term needs.
  • Contact Loan officer for further details.

Construction Financing Program

  • Standard Alternative—If you elect to invest your cash in the lot at the time of the closing, but do not wish to pledge assets beyond the lot, we will lend you up to 80% of the appraised completion value of the lot/home package.
  • Interest Rate—Your interest rate will be driven by the financing option you choose. Please see the bank for rate and disclosure information.
  • Fees—There will be a title company lien waiver exam fee (this protects you and us from contractor liens), an appraisal fee, and customary recording costs. Other fees may apply.
  • Term—We will structure your loan term to meet the timing needs of your particular project.
  • Contact a Loan officer for further details.

End Mortgage Loan

Your home is a significant investment. Mortgage choices are dizzying these days. We want you to feel comfortable with your home financing arrangement. Our end mortgage loan alternatives are designed to meet your individual financial situation. For more information contact our Residential Mortgages Lender.

Construction Loans described above are provided by Town Bank. Refinancing after the construction can be provided by Wintrust Mortgage Company.

Overdraft Protection

Our Overdraft Protection Account allows you to cover the unexpected opportunity or the occasional overdraft.

•    Fixed interest rates
•    Flexible line amounts
•    Requires credit approval

Call (262) 367-1900 for more information or talk to one of your friendly personal bankers at your nearest Wintrust Community bank


Auto Loans

Products & Programs

  • Flexible terms
  • Quick turnaround
  • Competitive rates
  • New or used vehicles
  • Loan to value up to 85% subject to credit approval 

Please call (262) 367-1900 and talk to one of our friendly Personal Bankers for more information.

Contact Us


If you’re in the market for a loan, we encourage you to give us a call at (262) 367-1900 or stop by the bank to meet with our lending team at any of our locations. If you prefer to communicate electronically, please fill out this contact form, and a bank representative will get in touch with you shortly.  At Town Bank, we understand the local market and we care about our customers financial well-being!