Applications / Mortgage Analytics / Lenders / Wisconsin / The Northwestern Bank
Chippewa Falls, WI · State member bank · FRS · $705 million assets · 118 loans in 2025
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118
loans originated, 2025
155
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Northwestern Bank made fewer home loans in 2025 while most similar lenders made more, yet larger loans lifted its lending to $41.5 million, above their typical $34.8 million.
Its loan count fell 9% to 118, while similar lenders (state member banks making between half and twice as many loans) rose 8% and the market 10%, lower than about four in five of them. Its typical loan rose to $215,000 from $195,000, against $175,000 for similar lenders, which could reflect higher house prices in its markets.
It made 432 loans in 2020 and 299 in 2021; since 2022 it has made between 118 and 146 a year, and its lending fell from $90.8 million to $41.5 million. Less refinancing could account for much of that.
In Eau Claire, where it has lent since before 1990, it ranks 7 of 220 with a 2.8% share, down 0.3 points. A few loans may explain so small a dip.
Low- and moderate-income (LMI) borrowers took 32.0% of its loans, higher than about two-thirds of similar lenders, whose typical share was 27.1%; five years before, its own was 22.8%. It made no loans in majority-minority tracts, against 5.2% for similar lenders; its counties may hold few such tracts.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Northwestern Bank took 155 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 59.3% · Refinance 31.4% · Other 5.9% · Home improvement 3.4%
Conventional 100.0% · of 118 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Wisconsin | 116 | 98.3% |
| Arizona | 1 | 0.8% |
| Minnesota | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Eau Claire | 90 |
| Minneapolis-St. Paul-Bloomington | 5 |
| Phoenix-Mesa-Chandler | 1 |
| Wausau | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900YAD0R5TBY92Y41 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 153054 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2153054 | 1990–2017 |
Established 1 January 1904. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Northwestern Bank's data.
The Northwestern Bank's data
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The Northwestern Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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