Coulee Bank mortgage approval rate & lending review
Coulee Bank decided 470 mortgage applications and funded 422 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Coulee Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Coulee Bank at a glance
Approval is 5.5 points above the 84.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 218 / 232 | 100% | $215K | 218 |
| Cash-out refinance | 57% | 17 / 30 | 100% | $175K | 17 |
| Refinance | 80% | 35 / 44 | 100% | $155K | 35 |
| Investment property purchase | 96% | 142 / 148 | 98% | $225K | 139 |
Coulee Bank lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Coulee Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| La Crosse County, WI | Mortgage lenders | 94% | 155 | 145 |
| Hennepin County, MN | Investment property purchase | 100% | 37 | 37 |
| Ramsey County, MN | Investment property purchase | 100% | 29 | 29 |
| La Crosse County, WI | Refinance | 86% | 28 | 24 |
| Anoka County, MN | Investment property purchase | 100% | 20 | 20 |
| La Crosse County, WI | Cash-out refinance | 71% | 21 | 15 |
The county markets where Coulee Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Coulee Bank
What is Coulee Bank's mortgage approval rate?
Coulee Bank approved 90.4% of the 470 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.5 points above the 84.9% national rate for the same mix of loan types.
How often do borrowers take the loan Coulee Bank offers?
Borrowers accepted 99% of the loans Coulee Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Coulee Bank make?
The typical home purchase mortgage loan Coulee Bank made was $215K; across all loan types its typical loan ran from $155K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Coulee Bank lend?
Coulee Bank decided applications in 10 of the states Fat Boy Data covers, most of them in Wisconsin, Minnesota and Illinois.
Can I apply to Coulee Bank directly?
Yes. Coulee Bank is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Coulee Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Coulee Bank treats applications, then get a rate quote from the lender.