Community State Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
52nd9.3% deniedProcesswithdrawn + incomplete share, weight 15%
78th5.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 159 | 123 | 12.0% | 13.4% | — | $26M |
| 2024 | 133 | 115 | 5.3% | 5.6% | — | $24M |
| 2025 | 158 | 129 | 8.9% | 9.3% | — | $37M |
What Community State Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 36 investment properties.
Who gets approved at Community State Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 41 | 32 | 10.5% |
| $100k – $150k | 26 | 25 | 3.9% |
| $150k – $250k | 32 | 28 | 3.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 21 | 19 | 0.0% |
| 45–54 | 33 | 27 | 9.4% |
| 55–64 | 23 | 18 | 18.2% |
| 65–74 | 20 | 15 | 16.7% |
Where Community State Bank lends
2 states and 15 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Wisconsin | 155 | 126 | 9.0% | — | #187 |
Frequently asked questions
Community State Bank denied 9.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 52nd percentile of small mortgage lenders.
In 2025, 46% of its applications were for home purchases, 34% for refinancing (including cash-out), and 20% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.