Applications / Mortgage Analytics / Lenders / Wisconsin / River Bank
Stoddard, WI · State non-member bank · FDIC · $1.0 billion assets · 85 loans in 2025
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85
loans originated, 2025
109
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
River Bank, a Wisconsin bank, makes nearly half its home loans to low- and moderate-income borrowers, a higher share than almost all similar lenders.
Some 48.7% of its loans in 2025 went to low- and moderate-income borrowers, against 27.7% at the typical similar lender (state non-member banks making between half and twice as many loans). Only about one in twenty-five peers has a higher share. The share was 31.0% in 2020 and 42.4% in 2024. None of its loans was jumbo (larger than the conforming limit).
Its loans rose 35% in 2025, to 85, while similar lenders grew 9% and the whole market 10%. That is still far below the 403 it made in 2021, and nothing in the record explains the earlier fall.
It ranks 4 of 213 lenders around La Crosse, with 3.2% of the dollars, down from 4.8%; Altra Federal Credit Union leads with a much larger book. A few large loans in one year and not the next could move a share that size. It gained ground in Eau Claire, where it now ranks 15 of 220 with 1.5%.
Purchases made up 63.5% of its loans, refinancing 25.9% and home improvement 9.4%. Every loan was conventional and none was for a manufactured home. Its typical loan, $205,000, was larger than the $175,000 at similar 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. River Bank took 109 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.5% · Refinance 25.9% · Home improvement 9.4% · Other 1.2%
Conventional 100.0% · of 85 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 | 83 | 97.6% |
| Minnesota | 2 | 2.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| La Crosse-Onalaska | 48 |
| Madison | 2 |
| Eau Claire | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008FT4WVSLWPKG77 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 279842 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314995 | 1994–2017 |
Established 11 October 1911. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: River Bank's data.
River Bank's data
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River 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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