Faster than its peers
It made 157 loans, up from 127. Similar lenders, state non-member banks making between half and twice as many loans, grew 9%, and the whole market 10%. Home purchases made up 65.6% of its loans, and every loan was conventional.
Applications / Mortgage Analytics / Lenders / Wisconsin / The Peoples Community Bank
The Peoples Community Bank
Mazomanie, WI · State non-member bank · FDIC · $394 million assets · 157 loans in 2025
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157
loans originated, 2025
170
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Peoples Community Bank, of Mazomanie, Wisconsin, grew by 24% in 2025 and lends more to borrowers on modest incomes than most similar banks.
More loans to modest earners
Low- and moderate-income borrowers took 38.6% of its loans, higher than at more than four in five similar lenders, where the typical share was 27.9%. The share has risen from 23.3% in 2020.
Manufactured homes, but bigger loans
Manufactured homes made up 9.6% of its loans, against 2.8% at its peers. Yet its typical loan, $235,000, was larger than theirs, $175,000, and larger than at three-quarters of them.
A fixture in Madison
The bank has lent in Madison since 1990 and held 0.3% of that market in 2025, the same as a year earlier, ranking 47 of 380. Summit Credit Union and UW Credit Union lead there. Its lending was far higher in 2020, at 908 loans.
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
157 loans in 2025, against a peak of 908 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Peoples Community Bank took 170 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
65.6% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 65.6% · Refinance 28.7% · Home improvement 3.2% · Other 2.5%
Conventional 100.0% · of 157 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, 4 metros, 17 counties
| State | Loans | Share |
|---|---|---|
| Wisconsin | 157 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Madison | 68 |
| La Crosse-Onalaska | 5 |
| Janesville-Beloit | 3 |
| Wausau | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HWFLUA8V78OT27 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 420644 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315046 | 1990–2017 |
Established 28 November 1891. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Peoples Community Bank's data.
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