Applications / Mortgage Analytics / Lenders / Wisconsin / Superior Savings Bank
Superior, WI · Savings institution · FDIC · $93.8 million assets · 86 loans in 2025
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86
loans originated, 2025
94
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Superior Savings Bank, lending in the Duluth area since at least 1990, makes smaller loans than most similar savings institutions and has made about the same number of loans for two years.
Its typical loan in 2025 was $165,000, against $245,000 for similar lenders (savings institutions making between half and twice as many loans), lower than at about three in four of them. All its loans were conventional. Home purchases made up 41.9%, refinances 26.7%, other purposes 18.6% and home improvement 12.8%.
It made 86 loans, up 5% from 82, the same growth as similar lenders and slower than the market's 10%. The longer record shows a peak of 398 loans in 2020 and 217 in 2021, then a fall to 68 in 2023.
Duluth is its largest market. It ranks 29 of 318 lenders there, with a share that slipped from 1.3% to 1.0%. North Shore Bank of Commerce leads. Its dollar lending was about flat, at $14.4 million, so a market that grew faster around it is a plausible reason for the smaller share.
Low- and moderate-income borrowers took 26.2% of its loans, close to the peers' 24.7%. Low- and moderate-income neighborhoods took 16.3%, near the peers' 17.6%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Superior Savings Bank took 94 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 41.9% · Refinance 26.7% · Other 18.6% · Home improvement 12.8%
Conventional 100.0% · of 86 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 | 73 | 84.9% |
| Minnesota | 13 | 15.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Duluth | 80 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TSV5GUFPY3IT90 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 575375 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 42368 | 1990–1992 |
| Respondent ID (the HMDA filer code before 2018) | 328790 | 1993–2017 |
Established 1 January 1924. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Superior Savings Bank's data.
Superior Savings Bank's data
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Superior Savings 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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