Applications / Mortgage Analytics / Lenders / Wisconsin / Unity Bank
Augusta, WI · State non-member bank · FDIC · $612 million assets · 21 loans in 2025
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21
loans originated, 2025
24
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Unity Bank, of Augusta, Wisconsin, made 21 mortgage loans in 2025, a sliver of the 133 it made in 2019.
Its loans jumped from 44 in 2018 to 133 in 2019, the year it merged with Unity Bank North, which may account for the rise. They have fallen since, to 47 in 2023 and 15 in 2024, before rising to 21 in 2025. The bank was called Peoples State Bank until 2005.
Though based in Wisconsin, it does most of its lending in Minnesota, across 13 counties in 3 states. It has lent in Minneapolis-St. Paul and St. Cloud since 1990, but ranks near the bottom of both, 665 of 688 and 199 of 243, as a small lender in big markets may. In Grand Forks it ranks 84 of 131.
Similar lenders are state non-member banks making between half and twice as many loans, and there are 171 of them. With 21 loans, its loan sizes, prices and mix of borrowers rest on too few loans to set against theirs. All of its loans were conventional.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Unity Bank took 24 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 52.4% · Purchase 42.9% · Home improvement 4.8%
Conventional 100.0% · of 21 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 |
|---|---|---|
| Minnesota | 19 | 90.5% |
| California | 1 | 4.8% |
| Wisconsin | 1 | 4.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Grand Forks | 2 |
| Minneapolis-St. Paul-Bloomington | 1 |
| St. Cloud | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300K1K5K5L0W6QR97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 443353 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38714 | 1990–2017 |
Established 1 December 1914. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Unity Bank's data.
Unity Bank's data
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