Applications / Mortgage Analytics / Lenders / Wisconsin / Chippewa Valley Bank
Hayward, WI · State non-member bank · FDIC · $716 million assets · 91 loans in 2025
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91
loans originated, 2025
116
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Chippewa Valley Bank is a rural Wisconsin bank that lends on manufactured homes far more than its peers, and it makes about half as many loans as it did in 2018.
It made 91 loans in 2025, against 89 in 2024, a rise of 2%. Similar lenders, state non-member banks making between half and twice as many loans, grew 9%, and the whole market 10%. The longer trend is down: it made 134 loans in 2020 and 179 in 2018. The data give no single reason for the fall.
Manufactured homes made up 13.2% of its loans, against 3.0% at similar lenders, more than at four in five of them. Its typical loan was $135,000, against $175,000. Home purchases took 52.7% of its lending, and all of its loans were conventional.
Its shares of loans to low- and moderate-income (LMI) borrowers, 28.8%, and in LMI neighborhoods, 17.6%, sit near the middle of similar lenders. Majority-minority neighborhoods took 1.1%, against 6.4% at peers. Its rural footprint, centered on non-metro Wisconsin, may hold few such neighborhoods.
It ranked 123 of 659 lenders in non-metro Wisconsin, where Summit Credit Union led, 109 of 318 in Duluth and 99 of 220 in Eau Claire. It holds 0.1% of each of those two metros, unchanged from 2024. In 2025 it entered non-metro Florida and Rochester, MN.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Chippewa Valley Bank took 116 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.7% · Refinance 34.1% · Home improvement 8.8% · Other 4.4%
Conventional 100.0% · of 91 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 | 85 | 93.4% |
| Florida | 2 | 2.2% |
| Michigan | 2 | 2.2% |
| Minnesota | 2 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Duluth | 7 |
| Eau Claire | 2 |
| Minneapolis-St. Paul-Bloomington | 1 |
| North Port-Bradenton-Sarasota | 1 |
| Rochester | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MPDN3KQZW68M43 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 779650 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312322 | 2004–2017 |
Established 1 January 1917. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Chippewa Valley Bank's data.
Chippewa Valley Bank's data
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Chippewa Valley 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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