Coulee Bank Mortgage Rates, Fees & Info
La Crosse, WILEI: 5493002B2O407LCTBX72
Tax ID: 39-0978524
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Coulee Bank is a smaller bank specializing in Home Purchase loans. Coulee Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Minneapolis, La Crosse, Rochester, Winona, and Phoenix among others. We have data for 18 markets. (Some data included below & more in-depth data is available with an active subscription.)Coulee Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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Originations
246Origination Dollar Volume (All Markets)
$64,460,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 94 | $24,560,000 | $261,277 | $0 | 0.00% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 72 | $18,090,000 | $251,250 | $0 | 0.00% |
| Outside of Metro Areas | 30 | $8,440,000 | $281,333 | $0 | 0.00% |
| ROCHESTER, MN (FHA|USDA|VA) | 28 | $5,880,000 | $210,000 | $0 | 7.55% |
| Winona, MN (FHA|USDA|VA) | 4 | $1,510,000 | $377,500 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $0 | 0.00% |
| ST. CLOUD, MN (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $0 | 0.00% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $0 | 0.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $0 | 0.00% |
| MADISON, WI (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $0 | 0.00% |
| Hutchinson, MN (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $0 | 0.00% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 0.00% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| Austin, MN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Coulee Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2024, Coulee Bank's most frequently originated type of loan was Conventional, with 239 originations. Their 2nd most popular type was FHA, with 4 originations.
Loan Reason
For 2024, Coulee Bank's most frequently cited loan purpose was Home Purchase, with 191 originations. The 2nd most popular reason was Refi, with 38 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 244 | $64,030,000 | $262,418 | $0 | 0.00% |
| 5 Year | 2 | $430,000 | $215,000 | $0 | 7.55% |
For 2024, Coulee Bank's most frequently cited loan duration was Other, with 244 originations. The 2nd most popular length was 5 Year, with 2 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7-8% | 2 | $430,000 | $215,000 |
During 2024, Coulee Bank's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 7-8%, with 2 originations.
Loan Sizing
2024 saw Coulee Bank place emphasis on $200k-400k loans with 122 originations, totaling $32,810,000 in origination value.
Applicant Income
Coulee Bank lent most frequently to those with incomes in the $50k-75k range, with 33 originations. The second most popular income band? $100k-150k, with 32 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 244 | $64,030,000 | $262,418 | $0 | 0.00% |
| <20% | 2 | $430,000 | $215,000 | $0 | 7.55% |
Coulee Bank lent most frequently to those with DTI ratios of Exempt%, with 244 originations. The next most common DTI ratio? <20%, with 2 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.96%
Coulee Bank has an average approval rate.
Pick Rate
Approvals leading to origination69.92%
Coulee Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 244 | $64,030,000 | $262,418 |
| NA | 2 | $430,000 | $215,000 |