Applications / Mortgage Analytics / Lenders / Wisconsin / Peoples State Bank
Prairie Du Chien, WI · State non-member bank · FDIC · 195 loans in 2025
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195
loans originated, 2025
234
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peoples State Bank, a Wisconsin bank that first reported in 2024, made 25% more loans in 2025, faster growth than at about three in four similar lenders.
It made 195 loans, up from 156, while similar lenders (state non-member banks making between half and twice as many loans) grew 9% and the whole market 10%. The dollars it lent rose from $27.9 million to $37.5 million, as its typical loan grew from $115,000 to $155,000.
Low- and moderate-income (LMI) borrowers took 40.2% of its loans, against 27.9% at similar lenders, a higher share than at about nine in ten of them. Yet only 4.6% of its loans were in poorer neighborhoods, against 17.6%. Its markets are largely rural, and the places it lends may simply have few such neighborhoods.
Purchases made up 71.3% of its loans and refinancing 20.5%, all conventional. Manufactured homes took 9.7%, against 2.9% at similar lenders. Its typical loan of $155,000 was below their $175,000.
Its largest markets are non-metro Wisconsin, where it ranks 94 of 659 lenders, and non-metro Iowa, where it ranks 71 of 465. In La Crosse-Onalaska, MN-WI its share rose from 0.2% to 0.3%. In 2025 it made its first loans in Appleton, WI, Fond du Lac, WI and Iowa City, IA, with small shares in each.
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, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Peoples State Bank took 234 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.3% · Refinance 20.5% · Other 4.6% · Home improvement 3.6%
Conventional 100.0% · of 195 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 | 128 | 65.6% |
| Iowa | 63 | 32.3% |
| Illinois | 3 | 1.5% |
| Missouri | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| La Crosse-Onalaska | 12 |
| Madison | 7 |
| Appleton | 2 |
| Iowa City | 2 |
| Dubuque | 1 |
| Fond du Lac | 1 |
| Kansas City | 1 |
| Racine-Mount Pleasant | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490034TADWBQX5BB10 | 2024–2025 |
Established 22 January 1915. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Peoples State Bank's data.
Peoples State Bank's data
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Peoples 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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