Applications / Mortgage Analytics / Lenders / Wisconsin / Oostburg State Bank
Oostburg, WI · State non-member bank · FDIC · $434 million assets · 172 loans in 2025
Oostburg State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
172
loans originated, 2025
185
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Oostburg State Bank ranks fourth of 201 mortgage lenders in Sheboygan, and its loans rose 19% in 2025.
In Sheboygan, its largest market, where it has lent since at least 1990, it ranked 4 of 201 lenders. Its share edged up to 4.3% from 4.1%. Bank First, Kohler Credit Union and CIBC Bank USA ranked above it. Elsewhere its shares are small, such as 0.1% in Green Bay.
Its loans rose to 172, against 10% growth at similar lenders (state non-member banks making between half and twice as many loans). It made 394 in 2020 and only 115 in 2023 before recovering.
Home purchases made up 53.5% of its loans and refinances 33.1%; all were conventional. Its typical loan, $190,000, was near the middle of similar lenders.
Low- and moderate-income (LMI) areas took 9.9% of its loans, up from 3.5% in 2024 but lower than at about four in five peers. It made no loans in majority-minority areas, against 6.1% at peers. The counties it serves, mainly around Sheboygan, may hold few such areas.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Oostburg State Bank took 185 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.5% · Refinance 33.1% · Other 7.0% · Home improvement 6.4%
Conventional 100.0% · of 172 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 | 172 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sheboygan | 134 |
| Milwaukee-Waukesha | 11 |
| Green Bay | 6 |
| Appleton | 1 |
| Eau Claire | 1 |
| Fond du Lac | 1 |
| Racine-Mount Pleasant | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900UDJNXYZSDOKI36 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 248745 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310380 | 1990–2017 |
Established 1 March 1908. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Oostburg State Bank's data.
Oostburg State Bank's data
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Oostburg 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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