Peoples State Bank
Peoples State Bank received 387 applications in 2025 and made 276 mortgages, in 45 counties across 6 states. The median rate its borrowers got was 6.950% on a median loan of $205,000. Of 351 decisions, 40 were denials — 11.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300RBWA4J4QTPSY69 |
|---|---|
| Applications received | 387 |
| Mortgages made | 276 |
| Denied | 40 |
| Approved, not taken up | 35 |
| Withdrawn or incomplete | 36 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.1555 points |
| FDIC-insured bank | Yes: Peoples State Bank, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 185 | 6.930% | $225,000 | 8.2% |
| Refinancing | 43 | 6.950% | $225,000 | 15.1% |
| Cash-out refinancing | 38 | 7.250% | $150,000 | 20.8% |
| Other purposes | 10 | 6.750% | $125,000 | 14.3% |
Where Peoples State Bank lends most
The 45 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Marathon County, WI | 69 | 6.750% | 10.2% |
| Milwaukee County, WI | 53 | 7.290% | 5.1% |
| Oneida County, WI | 43 | 6.875% | 16.1% |
| Lincoln County, WI | 17 | 6.625% | 4.8% |
| Vilas County, WI | 16 | 6.750% | 21.7% |
| Waukesha County, WI | 11 | 7.150% | 26.7% |
| Portage County, WI | 6 | Under 10 loans | 11.1% |
| Wood County, WI | 5 | Under 10 loans | 0.0% |
| Dane County, WI | 4 | Under 10 loans | 0.0% |
| Langlade County, WI | 4 | Under 10 loans | 0.0% |
| Racine County, WI | 4 | Under 10 loans | 16.7% |
| Washington County, WI | 4 | Under 10 loans | 33.3% |
| Forest County, WI | 3 | Under 10 loans | 0.0% |
| Kenosha County, WI | 3 | Under 10 loans | 0.0% |
| LaSalle County, IL | 2 | Under 10 loans | 0.0% |
| Adams County, WI | 2 | Under 10 loans | 0.0% |
| Door County, WI | 2 | Under 10 loans | 0.0% |
| Fond du Lac County, WI | 2 | Under 10 loans | 0.0% |
| Iron County, WI | 2 | Under 10 loans | 0.0% |
| Price County, WI | 2 | Under 10 loans | 0.0% |
| Sauk County, WI | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Martin County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Polk County, FL | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Kankakee County, IL | 1 | Under 10 loans | 0.0% |
| Lake County, IL | 1 | Under 10 loans | 0.0% |
| Gogebic County, MI | 1 | Under 10 loans | 0.0% |
| St. Louis County, MO | 1 | Under 10 loans | 0.0% |
| Clark County, WI | 1 | Under 10 loans | 66.7% |
| Dodge County, WI | 1 | Under 10 loans | 0.0% |
| Eau Claire County, WI | 1 | Under 10 loans | 0.0% |
| Florence County, WI | 1 | Under 10 loans | 0.0% |
| Green County, WI | 1 | Under 10 loans | 0.0% |
| La Crosse County, WI | 1 | Under 10 loans | 0.0% |
| Outagamie County, WI | 1 | Under 10 loans | 0.0% |
| Sheboygan County, WI | 1 | Under 10 loans | 0.0% |
| Taylor County, WI | 1 | Under 10 loans | 66.7% |
| Chippewa County, WI | 0 | Under 10 loans | 0.0% |
| Columbia County, WI | 0 | Under 10 loans | 100.0% |
| Jackson County, WI | 0 | Under 10 loans | 0.0% |
| Marquette County, WI | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.