The First National Bank of River Falls in Wisconsin vs the state
2.6%Denial rate-11.45 pts vs state
3.0%Decision denial rate-13.37 pts vs state
80.8%Origination rate+12.62 pts vs state
—Median rate
—Rate spread (pts)
$112kMedian applicant income
63Loans originated
2Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 57 | 44 | 10.5% | — | #288 |
| 2024 | 86 | 66 | 4.7% | — | #258 |
| 2025 | 78 | 63 | 2.6% | — | #285 |
What The First National Bank of River Falls lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most The First National Bank of River Falls applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pierce County | 41 | 35 | 1 | 2.4% |
| St. Croix County | 21 | 17 | 1 | 4.8% |
| Polk County | 5 | 2 | 0 | 0.0% |
| Dunn County | 2 | 2 | 0 | 0.0% |
| Barron County | 1 | 0 | 0 | 0.0% |
| Sawyer County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| Burnett County | 1 | 1 | 0 | 0.0% |
| Juneau County | 1 | 1 | 0 | 0.0% |
| Oneida County | 1 | 0 | 0 | 0.0% |
Other large lenders in Wisconsin
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Summit Credit Union | A | 15,483 | 13.8% | 6.75% |
| University of Wisconsin Credit Union | A | 11,781 | 13.8% | 6.50% |
| Landmark Credit Union | A | 9,393 | 17.7% | 6.50% |
| Rocket Mortgage | C | 7,819 | 18.0% | 6.63% |
| Associated Bank | B | 7,451 | 23.7% | 6.88% |
| BMO Bank | F | 5,202 | 25.3% | 8.23% |
| Educators Credit Union | B | 4,930 | 24.3% | 6.95% |
| U.S. Bank | D | 4,710 | 26.0% | 6.88% |
| Covantage Credit Union | B | 4,581 | 7.7% | 6.50% |
| United Shore Financial Services | B | 4,421 | 11.8% | 6.38% |
Frequently asked questions
Wisconsin: 78 applications in 2025, of which 63 were originated and 2 denied.
2.6% of all applications, or 3.0% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are The First National Bank of River Falls's own HMDA filing for properties located in Wisconsin, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology