Applications / Mortgage Analytics / Lenders / Wisconsin / Community State Bank
Union Grove, WI · State non-member bank · FDIC · $639 million assets · 129 loans in 2025
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129
loans originated, 2025
158
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community State Bank, a Union Grove lender that has served Racine since at least 1990, made 12% more loans in 2025 and is gaining ground in Kenosha.
Its typical loan rose from $165,000 to $215,000. Similar lenders (state non-member banks making between half and twice as many loans) typically lent $175,000, and its figure was higher than at more than two-thirds of them. Home purchases made up 48.1% of its loans and refinances 30.2%. All were conventional, and none were for manufactured homes, which took 3.0% at its peers.
It made 129 loans, up 12% from 115. Similar lenders grew by 9% and the whole market by 10%. The dollars it lent rose from $24.4 million to $37.1 million. Its count peaked at 428 in 2020 and fell every year until 2024.
In Racine-Mount Pleasant, WI, its largest market, it ranked 24 of 285 lenders with 1.2% of lending, the same as in 2024; Educators Credit Union led. In Kenosha, WI, its share rose from 0.2% to 0.8%, which ranked it 32 of 257. Johnson Bank leads there.
Borrowers with low and moderate incomes (LMI) took 27.8% of its loans, the same as at similar lenders. LMI neighborhoods took 8.6%, up from 5.2% but below the 17.6% at its peers, and lower than at more than four in five of them. That may reflect where it lends: 15 counties centered on Racine and non-metro Wisconsin.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community State Bank took 158 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 48.1% · Refinance 30.2% · Other 14.0% · Home improvement 7.8%
Conventional 100.0% · of 129 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 | 126 | 97.7% |
| Illinois | 3 | 2.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Racine-Mount Pleasant | 57 |
| Kenosha | 30 |
| Milwaukee-Waukesha | 10 |
| Chicago-Naperville-Schaumburg | 2 |
| Janesville-Beloit | 1 |
| La Crosse-Onalaska | 1 |
| Lake County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930098WTIWNSB1OV47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 130345 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39536 | 1990–2017 |
Established 1 January 1903. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Community State Bank's data.
Community State Bank's data
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Community 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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