Lender in Wisconsin · HMDA 2025
Home State Bank, N.A. mortgages in Wisconsin
Home State Bank, N.A.'s 2025 home-purchase and refinance lending in Wisconsin, compared with all lenders in the state.
Home State Bank, N.A. originated 257 owner-occupied single-family loans in Wisconsin from 281 completed applications.
Its median conventional purchase loan costs were $3,950 versus $3,230 for all Wisconsin lenders, at a median 30-year fixed rate of 6.49% (Wisconsin: 6.625%).
Loans in WI
257
of 281 applications
Denial rate
4.3%
Purchase · WI 6.2%
Rate spread
+0.18 pts
Conv. · WI +0.12 pts
Loan amount
$235,000
Purchase · WI $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 257 | 237 | 4.3% | 6.490% | +0.18 pts | $3,950 | $235,000 |
| Refinance | 14 | 13 | — | — | — | — | — |
| Cash-out refinance | 10 | 7 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Wisconsin counties where Home State Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Outagamie County | 9 | 89 | 2.8% |
| Waushara County | 10 | 6 | 1.8% |
| Winnebago County | 12 | 65 | 2.5% |
| Calumet County | 20 | 16 | 1.7% |
| Waupaca County | 21 | 9 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology