The First National Bank of River Falls
The First National Bank of River Falls received 92 applications in 2025 and made 74 mortgages, in 19 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $235,000. Of 79 decisions, 2 were denials — 2.5%, most often for credit history.
| Legal Entity Identifier | VUAW1MW1BHNL595RH698 |
|---|---|
| Applications received | 92 |
| Mortgages made | 74 |
| Denied | 2 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 13 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The First National Bank of River Falls, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 51 | Not published | $270,000 | 1.9% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 11 | Not published | $195,000 | 8.3% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 0.0% |
Where The First National Bank of River Falls lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Pierce County, WI | 35 | Not published | 2.7% |
| St. Croix County, WI | 17 | Not published | 5.3% |
| Dakota County, MN | 5 | Under 10 loans | 0.0% |
| Ramsey County, MN | 2 | Under 10 loans | 0.0% |
| Washington County, MN | 2 | Under 10 loans | 0.0% |
| Dunn County, WI | 2 | Under 10 loans | 0.0% |
| Polk County, WI | 2 | Under 10 loans | 0.0% |
| Goodhue County, MN | 1 | Under 10 loans | 0.0% |
| Isanti County, MN | 1 | Under 10 loans | 0.0% |
| Burnett County, WI | 1 | Under 10 loans | 0.0% |
| Eau Claire County, WI | 1 | Under 10 loans | 0.0% |
| Jefferson County, WI | 1 | Under 10 loans | 0.0% |
| Juneau County, WI | 1 | Under 10 loans | 0.0% |
| Pepin County, WI | 1 | Under 10 loans | 0.0% |
| Racine County, WI | 1 | Under 10 loans | 0.0% |
| Sawyer County, WI | 1 | Under 10 loans | 0.0% |
| Carlton County, MN | 0 | Under 10 loans | Not published |
| Barron County, WI | 0 | Under 10 loans | Not published |
| Oneida County, WI | 0 | Under 10 loans | Not published |
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When The First National Bank of River Falls’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.