Gaining in La Crosse
Its share of La Crosse-Onalaska rose 0.4 points, ranking it 33 of 213 lenders, in a market it has served since at least 1990. Altra Federal Credit Union led with $220.6M.
Applications / Mortgage Analytics / Lenders / Wisconsin / Union State Bank
Union State Bank
West Salem, WI · State non-member bank · FDIC · $125 million assets · 45 loans in 2025
Union State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
45
loans originated, 2025
50
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Union State Bank raised its share of the La Crosse market from 0.3% to 0.7% in 2025, as its loans grew far faster than similar banks'.
Faster growth than its peers
Its loans rose 22%, from 37 to 45, against 3% at similar lenders (state non-member banks making between half and twice as many loans). It made 57 loans in 2018. It filed no reports for 2020 to 2022; those years are gaps, not zeros.
Ordinary borrowers, no poorer neighborhoods
Low- and moderate-income borrowers took 28.2% of its loans, near the middle of similar lenders at 27.7%. Yet none of its loans was in a low- or moderate-income neighborhood, against 18.7% at similar lenders. It lends in one metro and five counties, which may hold few such neighborhoods.
A plain mortgage book
Purchases made up 46.7% of its loans and refinances 44.4%, all conventional. Its typical loan was $155,000, a little below the $165,000 at similar lenders.
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
45 loans in 2025, against a peak of 57 in 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Union State Bank took 50 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
46.7% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 46.7% · Refinance 44.4% · Home improvement 6.7% · Other 2.2%
Conventional 100.0% · of 45 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
1 state, 1 metro, 5 counties
| State | Loans | Share |
|---|---|---|
| Wisconsin | 45 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| La Crosse-Onalaska | 34 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930000ZYOSM7IG6Q56 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 903754 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314560 | 1990–2017 |
Established 25 August 1903. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Union State Bank's data.
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