Lenders › Community State Bank › Wisconsin
Community State Bank in Wisconsin
HMDA record for properties in Wisconsin, calendar year 2024. National record · Wisconsin overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Wisconsin, Community State Bank reported 132 applications and 114 originations for 2024, $24m in all.
Its denial rate in the state was 5.6%, below the Wisconsin rate of 17.1% across all lenders and compared with the lender's national rate of 5.6%.
Applications in the state were down 17% on 2023.
Compared with the state and the lender's national record
| Measure | In Wisconsin | Wisconsin, all lenders | Community State Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 5.6% | 17.1% | 5.6% | 24.3% |
| Median rate spread, pp | — | 0.2 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 11.0% | — | 15.6% |
| Average originated loan | $213k | $223k | $212k | $329k |
| Home purchase share | 36.0% | 46.3% | 36.5% | 57.0% |
| FHA-insured share | 0.0% | 5.6% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.3% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWisconsin, all lenders
Loan purpose and loan type in Wisconsin
By purpose
Home purchase 36% (41)Home improvement 14% (16)Refinancing 11% (13)Cash-out refinancing 21% (24)Other purpose 18% (20)
By type
Conventional 100% (114)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Wisconsin
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Racine County | 81 | 70 | $13m | 4.0% |
| Walworth County | 29 | 25 | $8.6m | 7.1% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Community State Bank originate in Wisconsin in 2024?
114 loans totalling $24m, from 132 applications reported for properties in Wisconsin.
What is Community State Bank's denial rate in Wisconsin?
5.6% of decided applications in Wisconsin were denied, against 17.1% for all lenders in the state and 5.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Wisconsin counties does Community State Bank lend in most?
By originations: Racine County (70), Walworth County (25).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Wisconsin. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.