Coulee Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
45th5.6% deniedProcesswithdrawn + incomplete share, weight 15%
10th25.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 369 | 264 | 7.9% | 9.8% | 7.13% | $67M |
| 2024 | 355 | 246 | 7.0% | 9.2% | 7.55% | $64M |
| 2025 | 264 | 182 | 4.2% | 5.6% | 8.00% | $45M |
What Coulee Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 1 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 146 investment properties.
Who gets approved at Coulee Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 51 | 34 | 8.1% |
| $100k – $150k | 23 | 13 | 13.3% |
| $150k – $250k | 28 | 19 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 36 | 23 | 14.8% |
| 35–44 | 40 | 21 | 4.6% |
| 55–64 | 27 | 11 | 21.4% |
Where Coulee Bank lends
11 states and 51 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Coulee Bank denied 5.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 45th percentile of investment-property lenders.
The median interest rate on loans Coulee Bank originated in 2025 was 8.00%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 80% of its applications were for home purchases, 19% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 97% conventional, 3% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.