Flat after a long fall
It made 497 loans in 2020, 389 in 2021, 215 in 2022 and 119 in 2023, then 113 in both 2024 and 2025. Similar lenders grew 9% in 2025 and the whole market 10%. The figures do not say why it fell.
Applications / Mortgage Analytics / Lenders / Wisconsin / Collins State Bank
Collins State Bank
Collins, WI · State non-member bank · FDIC · $295 million assets · 113 loans in 2025
Collins State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
113
loans originated, 2025
124
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Collins State Bank, a Wisconsin lender to home buyers, has stopped shrinking. Its 113 loans in 2025 matched 2024, after a fall from 497 in 2020.
Mostly home purchases
Home purchases made up 61.1% of its loans and refinances 31.0%; all were conventional. Its typical loan, $205,000, was larger than at about three in five similar lenders (state non-member banks making between half and twice as many loans), where it was $175,000.
A modest share in Sheboygan
In Sheboygan it ranked 24 of 201 lenders with 1.2% of the market, down 0.1 points; Bank First, Kohler Credit Union and CIBC Bank USA led. In non-metro Wisconsin, its largest market, it ranked 152 of 659.
Poorer borrowers, few poorer neighborhoods
Low- and moderate-income (LMI) borrowers took 30.6% of its loans, up from 21.8% and above the 27.9% at similar lenders. LMI neighborhoods took 3.5%, against 18.3%, among the lowest twentieth, and majority-minority areas 0.9%. Its lending outside metros, where such areas may be few, is a possible reason.
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
113 loans in 2025, against a peak of 497 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Collins State Bank took 124 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
61.1% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 61.1% · Refinance 31.0% · Other 5.3% · Home improvement 2.7%
Conventional 100.0% · of 113 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
2 states, 8 metros, 21 counties
| State | Loans | Share |
|---|---|---|
| Wisconsin | 112 | 99.1% |
| Florida | 1 | 0.9% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Sheboygan | 30 |
| Milwaukee-Waukesha | 16 |
| Appleton | 14 |
| Green Bay | 4 |
| Fond du Lac | 2 |
| Eau Claire | 1 |
| Oshkosh-Neenah | 1 |
| Palm Bay-Melbourne-Titusville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900Z9CBWZF8ECUS45 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 219044 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314914 | 2010–2017 |
Established 1 January 1914. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Collins State Bank's data.
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