Applications / Mortgage Analytics / Lenders / Wisconsin / Security Financial Bank
Durand, WI · State member bank · FRS · $1.0 billion assets · 156 loans in 2025
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156
loans originated, 2025
196
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Security Financial Bank, a Wisconsin bank, grew faster than most similar banks in 2025 and lends more to low- and moderate-income borrowers than most of them.
It made 156 loans, up 22% from 128, against 8% growth at the typical similar lender (state member banks making between half and twice as many loans) and 10% for the whole market. That still leaves it far below the 505 it made in 2020. Purchases were 57.1% of its loans and refinances 31.4%.
Low- and moderate-income (LMI) borrowers took 37.9% of its loans, up from 31.8%. That is higher than at more than four-fifths of similar lenders, whose typical share was 27.6%.
In Eau Claire, where it ranked 13 of 220 lenders, its share slipped from 2.1% to 1.8%; Royal Credit Union led. The dip is small. It may reflect effort moved to newer markets, or a few loans that went elsewhere. Its share in La Crosse-Onalaska rose from 0.0% to 0.6%, and it entered Oshkosh-Neenah in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Security Financial Bank took 196 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.1% · Refinance 31.4% · Home improvement 9.0% · Other 2.6%
Conventional 100.0% · of 156 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 | 140 | 89.7% |
| Minnesota | 12 | 7.7% |
| Florida | 2 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Eau Claire | 56 |
| Minneapolis-St. Paul-Bloomington | 24 |
| Cape Coral-Fort Myers | 2 |
| Duluth | 2 |
| Green Bay | 1 |
| Janesville-Beloit | 1 |
| La Crosse-Onalaska | 1 |
| Oshkosh-Neenah | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002T397LUNQ31179 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 450959 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114095 | 2006–2006 |
| Respondent ID (the HMDA filer code before 2018) | 2450959 | 2007–2017 |
Established 6 April 1934. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Security Financial Bank's data.
Security Financial Bank's data
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Security Financial 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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