Applications / Mortgage Analytics / Lenders / Wisconsin / The First National Bank of River Falls
River Falls, WI · National bank · OCC · $318 million assets · 74 loans in 2025
The First National Bank of River Falls's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
74
loans originated, 2025
92
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank of River Falls, a Wisconsin bank that also lends around Minneapolis, makes most of its loans to home buyers, and more of them have modest incomes than at most of its peers.
In 2025, 41.5% of its borrowers had low or moderate incomes, against 23.2% at the typical similar lender, meaning national banks making between half and twice as many loans. That is higher than more than four in five of them. The share has climbed from 26.2% five years earlier.
Purchases made up 68.9% of its loans and refinances 21.6%. Every loan was conventional, with no government backing. Its typical loan, $235,000, was larger than about two-thirds of peers' and above their $185,000.
Its strongest showing is in Minneapolis-St. Paul-Bloomington, where it ranked 129 of 688 lenders and has lent since 1994. It lends in 16 counties across two states, and entered Racine-Mount Pleasant in 2025.
It made 74 loans, down 12% on 2024, while similar lenders grew 4% and the whole market 10%. At this size a few deals either way make the difference. The longer view is starker: it made 313 loans in 2020 and 241 in 2021. In 2018 it made 117.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 First National Bank of River Falls took 92 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.9% · Refinance 21.6% · Other 5.4% · Home improvement 4.1%
Conventional 100.0% · of 74 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 | 63 | 85.1% |
| Minnesota | 11 | 14.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 62 |
| Eau Claire | 1 |
| Racine-Mount Pleasant | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | VUAW1MW1BHNL595RH698 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 956255 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 17087 | 1994–2017 |
Established 4 January 1904. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: The First National Bank of River Falls's data.
The First National Bank of River Falls's data
$215
The First National Bank of River Falls 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.
Buy The First National Bank of River Falls's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]