Applications / Mortgage Analytics / Lenders / Wisconsin / Waukesha State Bank
Waukesha, WI · State non-member bank · FDIC · $1.6 billion assets · 745 loans in 2025
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745
loans originated, 2025
918
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Waukesha State Bank is a Wisconsin state non-member bank ranked 15 of 510 in Milwaukee-Waukesha, with larger loans than similar lenders; its originations rose 4% to 745 in 2025.
It ranked 15 of 510 in Milwaukee-Waukesha, where it has lent since before 1990, behind Landmark Credit Union and Summit Credit Union. Its share fell 0.4 points to 1.9%. Possible reasons are its slower growth than the whole market, and lending elsewhere: in Oshkosh-Neenah its share rose to 1.2% from 0.0%.
Originations rose 4%, against 9% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market. It made 1,633 loans in 2021. Its dollar volume, $294.4 million, was higher than at about three-quarters of peers.
Its typical loan, $235,000, compared with $195,000 at peers, and jumbo loans (larger than the conforming limit) were 3.9%, against 1.9%. Purchases were 44.6% of its lending and refinances 29.3%; it made no manufactured-home loans. On first-lien applications for owner-occupied homes, its denial rates were lower than peers': 1.8% for home purchase, against 5.4%, and 2.4% for refinance, against 15.1%.
LMI (low- and moderate-income) areas took 7.1% of its loans, against 15.5% at peers, among the lowest twentieth; LMI borrowers took 20.8%, against 27.1%. Possible reasons are its larger loans and how many LMI areas its markets hold.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Waukesha State Bank took 918 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 44.6% · Refinance 29.3% · Home improvement 19.9% · Other 6.3%
Conventional 98.9% · FHA 0.5% · VA 0.5% · of 745 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 | 743 | 99.7% |
| Arizona | 1 | 0.1% |
| Indiana | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Milwaukee-Waukesha | 644 |
| Racine-Mount Pleasant | 19 |
| Oshkosh-Neenah | 10 |
| Kenosha | 4 |
| Madison | 3 |
| Appleton | 2 |
| Fond du Lac | 2 |
| Sheboygan | 2 |
| Green Bay | 1 |
| Indianapolis-Carmel-Greenwood | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003H8ECZKN77IZ88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 290249 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316160 | 1990–2017 |
Established 15 June 1944. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Waukesha State Bank's data.
Waukesha State Bank's data
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Waukesha 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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