Applications / Mortgage Analytics / Lenders / Wisconsin / Coulee Bank
La Crosse, WI · State non-member bank · FDIC · $543 million assets · 182 loans in 2025
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182
loans originated, 2025
264
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Coulee Bank, based in La Crosse but with Minnesota as its main state, makes a larger share of its loans to low- and moderate-income (LMI) borrowers than almost any bank of its size, though its lending fell by about a quarter in 2025.
Almost half its loans, 46.1%, went to LMI borrowers. At similar lenders, state non-member banks making between half and twice as many loans, the figure was 27.7%, and Coulee Bank's share was higher than at about nineteen in twenty of them. Its shares in poorer neighborhoods (LMI tracts) and in majority-minority areas rose too, to 29.8% and 11.0%.
Its loans fell 26%, from 246 to 182, while similar lenders grew by 10%. Few of them fell as far. Home purchases made up 87.9% of its loans and refinances the rest. Fewer buyers in its markets, or a decision to lend less, could explain the drop; the data show the fall but not its cause.
In La Crosse-Onalaska, where it has lent since at least 1990, its share fell from 2.5% to 1.0%. Altra Federal Credit Union leads that market. The fall is steeper than the drop in its lending as a whole. It may reflect lending spread to other markets, including three it entered in 2025, or local buyers choosing other lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Coulee Bank took 264 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 87.9% · Refinance 12.1%
Conventional 97.3% · FHA 2.7% · of 182 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 |
|---|---|---|
| Minnesota | 131 | 72.0% |
| Wisconsin | 44 | 24.2% |
| Iowa | 2 | 1.1% |
| Colorado | 1 | 0.5% |
| Florida | 1 | 0.5% |
| Montana | 1 | 0.5% |
| Nebraska | 1 | 0.5% |
| Ohio | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 101 |
| La Crosse-Onalaska | 39 |
| Rochester | 14 |
| St. Cloud | 4 |
| Akron | 1 |
| Billings | 1 |
| Cape Coral-Fort Myers | 1 |
| Duluth | 1 |
| Milwaukee-Waukesha | 1 |
| Pueblo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002B2O407LCTBX72 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 457752 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318361 | 1990–2017 |
Established 27 February 1961. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Coulee Bank's data.
Coulee Bank's data
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