Peoples State Bank Mortgage Lending & HMDA Data, 2024
In 2024, Peoples State Bank of Wausau, WI reported 628 mortgage applications totaling $181.2 million, down 2% from 2023. The average application was for $288,598, and applicants reported an average income of $136,087. 55% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Wausau, WI (140), Milwaukee-Waukesha-West Allis, WI (88) and Green Bay, WI (4) (applications in parentheses).
| Mortgage Company & Address | Peoples State Bank P O Box 1686, 1905 Stewart Ave Wausau, WI 54401 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 628 |
| Total Mortgage Loan Application Amount | $181,240,000 |
| Average Mortgage Loan Application Amount | $288,598 |
| Highest Mortgage Loan Application Amount | $10,405,000 |
| Average Applicant Income | $136,087 |
| Highest Applicant Income | $3,030,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Peoples State Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 364 | $ 96,480,000 | $ 265,054 | $ 144,681 |
| Wausau, WI | 140 | $ 25,510,000 | $ 182,214 | $ 115,000 |
| Milwaukee-Waukesha-West Allis, WI | 88 | $ 27,790,000 | $ 315,795 | $ 144,000 |
| Green Bay, WI | 4 | $ 3,960,000 | $ 990,000 | $ 0 |
| Kenosha, WI | 4 | $ 5,780,000 | $ 1,445,000 | $ 52,000 |
| Madison, WI | 3 | $ 1,285,000 | $ 428,333 | $ 1,443,000 |
| Racine, WI | 3 | $ 905,000 | $ 301,666 | $ 69,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 2,865,000 | $ 955,000 | $ 0 |
| Duluth, MN-WI | 2 | $ 690,000 | $ 345,000 | $ 143,000 |
| Eau Claire, WI | 2 | $ 740,000 | $ 370,000 | $ 164,000 |
| Fond Du Lac, WI | 2 | $ 540,000 | $ 270,000 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 760,000 | $ 380,000 | $ 120,000 |
| Oshkosh-Neenah, WI | 2 | $ 1,540,000 | $ 770,000 | $ 0 |
| Appleton, WI | 1 | $ 10,405,000 | $ 10,405,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 1 | $ 115,000 | $ 115,000 | $ 79,000 |
| Boston, MA | 1 | $ 455,000 | $ 455,000 | $ 240,000 |
| Columbia, MO | 1 | $ 215,000 | $ 215,000 | $ 291,000 |
| Janesville-Beloit, WI | 1 | $ 215,000 | $ 215,000 | $ 87,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 215,000 | $ 215,000 | $ 84,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 335,000 | $ 335,000 | $ 89,000 |
| Sheboygan, WI | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Tallahassee, FL | 1 | $ 325,000 | $ 325,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for Peoples State Bank in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 452 | $137,960,000 | $305,000 | $4,195,000 | $149,000 | $3,030,000 |
| Cash-out Refinancing | 69 | $12,015,000 | $174,000 | $1,005,000 | $97,000 | $300,000 |
| Refinancing | 60 | $26,000,000 | $433,000 | $10,405,000 | $102,000 | $457,000 |
| Other Purpose | 34 | $4,070,000 | $119,000 | $785,000 | $133,000 | $540,000 |
| Home Improvement | 13 | $1,195,000 | $91,000 | $505,000 | $60,000 | $94,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 413 | $98,075,000 | $237,000 | $1,005,000 | $139,000 | $3,030,000 |
| Not applicable | 115 | $54,425,000 | $473,000 | $10,405,000 | $0 | $0 |
| Not Provided | 54 | $15,740,000 | $291,000 | $3,205,000 | $133,000 | $630,000 |
| Hispanic | 28 | $8,510,000 | $303,000 | $1,245,000 | $136,000 | $627,000 |
| Asian | 9 | $1,815,000 | $201,000 | $295,000 | $118,000 | $455,000 |
| Black or African American | 5 | $1,015,000 | $203,000 | $335,000 | $64,000 | $123,000 |
| American Indian or Alaskan Native | 4 | $1,660,000 | $415,000 | $765,000 | $196,000 | $359,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 625 | $180,705,000 | $289,000 | $10,405,000 | $138,000 | $3,030,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $535,000 | $178,000 | $205,000 | $77,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 344 | $100,060,000 | $290,000 | $10,405,000 | $159,000 | $1,797,000 |
| Preapproval Approved but not Accepted | 123 | $33,855,000 | $275,000 | $905,000 | $120,000 | $627,000 |
| Application Denied By Financial Institution | 51 | $10,095,000 | $197,000 | $1,005,000 | $79,000 | $300,000 |
| Application Approved But Not Accepted | 50 | $20,010,000 | $400,000 | $3,475,000 | $122,000 | $630,000 |
| Preapproval Denied by Financial Institution | 31 | $5,095,000 | $164,000 | $415,000 | $58,000 | $174,000 |
| Application Withdrawn By Applicant | 23 | $11,505,000 | $500,000 | $2,975,000 | $333,000 | $3,030,000 |
| File Closed For Incompleteness | 6 | $620,000 | $103,000 | $185,000 | $79,000 | $104,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 546 | $166,050,000 | $304,000 | $10,405,000 | $149,000 | $3,030,000 |
| Debt-To-Income Ratio | 37 | $7,415,000 | $200,000 | $1,005,000 | $53,000 | $191,000 |
| Credit History | 19 | $2,775,000 | $146,000 | $295,000 | $77,000 | $174,000 |
| Other | 9 | $1,365,000 | $151,000 | $315,000 | $96,000 | $273,000 |
| Credit Application Incomplete | 6 | $980,000 | $163,000 | $505,000 | $113,000 | $300,000 |
| Collateral | 4 | $320,000 | $80,000 | $185,000 | $50,000 | $95,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,300,000 | $325,000 | $455,000 | $117,000 | $165,000 |
| Unverifiable Information | 2 | $940,000 | $470,000 | $605,000 | $123,000 | $180,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peoples State Bank's 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Peoples State Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Wisconsin, download the full spreadsheet
with aggregated HMDA statistics today.
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