Metro area · WI
Lenders in La Crosse, WI-MN
25 lenders made 131 multifamily loans in the La Crosse-Onalaska, WI-MN metro area in 2024 and 2025, $236.2M in all. River Bank made the most, with 31. The typical loan was about $480K.
- Evidence
- Multifamily loans placed in the metro area, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 25
- HMDA,
- Multifamily loans, 2024-25
- 131
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $236M
- HMDA,
- Typical loan
- $480K
- HMDA,
Cite this
Source: The Lender Report, Lenders in La Crosse, WI-MN, https://lender.report/lenders-in/la-crosse-wi-mn/, data as of December 31, 2025.
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This page lists who has made multifamily loans here. Loan Comps shows who has made a loan like yours, with the loans to prove it.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans |
|---|---|---|---|---|---|---|
| River Bank multifamily record | Bank | Stoddard, WI | 31 | $46.5M | 16 | 15 |
| Citizens State Bank of La Crosse multifamily record | Bank | La Crosse, WI | 25 | $10.9M | 16 | 9 |
| State Bank Financial multifamily record | Bank | La Crosse, WI | 16 | $16.5M | 9 | 7 |
| Altra Credit Union multifamily record | Credit union | Onalaska, WI | 11 | $35.8M | 5 | 6 |
| WNB Financial, N.A. multifamily record | Bank | Winona, MN | 7 | $4.66M | 4 | 3 |
| Merchants Bank, National Association multifamily record | Bank | Winona, MN | 6 | $1.84M | 5 | 1 |
| Firefighters Credit Union multifamily record | Credit union | Onalaska, WI | 4 | $2.12M | 4 | 0 |
| Verve, a Credit Union multifamily record | Credit union | Oshkosh, WI | 3 | $3.58M | 2 | 1 |
| Coulee Bank multifamily record | Bank | La Crosse, WI | 3 | $1.70M | 1 | 2 |
| Royal Bank multifamily record | Bank | Elroy, WI | 3 | $1.46M | 3 | 0 |
| Bluff View Bank multifamily record | Bank | Galesville, WI | 3 | $1.26M | 0 | 3 |
| Johnson Bank multifamily record | Bank | Racine, WI | 2 | $25.0M | 0 | 2 |
| Walker & Dunlop, LLC multifamily record | Non-bank | Bethesda, MD | 2 | $17.6M | 2 | 0 |
| Landmark Credit Union multifamily record | Credit union | Brookfield, WI | 2 | $14.0M | 2 | 0 |
| CCFBank National Association multifamily record | Bank | Altoona, WI | 2 | $2.64M | 1 | 1 |
| County | Loans | Dollars | Lenders |
|---|---|---|---|
| La Crosse County, WI | 114 | $231M | 22 |
| Vernon County, WI | 14 | $4.04M | 6 |
A county is listed for a year only when the public file holds 5 or more multifamily loans there that year.
| Loan size | Loans |
|---|---|
| Under $1M | 91 |
| $1M to $2.5M | 21 |
| $2.5M to $5M | 5 |
| $5M to $10M | 7 |
| $10M or more | 7 |
- Lenders made 131 multifamily loans totaling $236.2M in La Crosse, WI-MN in 2024 and 2025. HMDA,
- 78 of the loans were made in 2025 and 53 in 2024. HMDA,
- The typical loan in La Crosse, WI-MN was about $480K, with the middle half between $280K and $1.5M. HMDA,
- 91 of the loans were under $1M, and 14 were $5M or more. HMDA,
- Lenders reported a median rate of 7.25% on 71 loans in La Crosse, WI-MN, with the middle half between 6.49% and 7.75%. HMDA,
- The median term was 5 years. HMDA,
- The median loan to value was 72%. HMDA,
- 36% of the loans were refinancings and 58% were purchases. HMDA,
- Banks and savings institutions made 109 of the loans, credit unions 20, and non-banks 2. HMDA,
- The five most active lenders made 68.7% of the loans. HMDA,
- The three most active lenders were River Bank with 31, Citizens State Bank of La Crosse with 25, and State Bank Financial with 16. HMDA,
- 20 of the 25 lenders are based in Wisconsin. The rest are based elsewhere, most often in Minnesota and Maryland. HMDA,
- The most common property size was 5 to 24 units, with 92 loans. HMDA,
- 2 counties in the metro area have loans on record, and La Crosse County, WI has the most, with 114. HMDA,
How this list is defined
- Measure
- Multifamily loans made in the La Crosse, WI-MN metro area
- Period
- 2024 and 2025
- Formula
- Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the metro area, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans there.
- Order
- Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order.
- As of
- 2025
- Source
- HMDA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new loans today.
- What they charge or require beyond the rate and term that HMDA reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count.
HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date.
Lenders that merged or stopped filing are left out.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.