Applications / Mortgage Analytics / Lenders / Minnesota / Granite Bank / Competition
Granite Bank
Cold Spring, MN · State non-member bank · FDIC · $351 million assets · 2,598 loans in 2025
2,598
loans originated, 2025
3,309
applications, 2025
33
states and territories
0
gaps bigger than at similar lenders
Who Granite Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI, 2025
Granite Bank ranks 27th of 688 lenders in Minneapolis-St. Paul-Bloomington, MN-WI, with $279.7M lent: 1.0% of a $27.60B market.
Minneapolis-St. Paul-Bloomington, MN-WI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Granite Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO MINNESOTA, 2025
Granite Bank ranks 12th of 536 lenders in non-metro Minnesota, with $83.5M lent: 1.6% of a $5.28B market.
non-metro Minnesota is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Granite Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — RAPID CITY, SD, 2025
Granite Bank ranks 6th of 181 lenders in Rapid City, SD, with $46.9M lent: 4.2% of a $1.12B market.
Rapid City, SD is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Granite Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 57% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — PHOENIX-MESA-CHANDLER, AZ, 2025
Granite Bank ranks 194th of 879 lenders in Phoenix-Mesa-Chandler, AZ, with $36.7M lent: 0.1% of a $50.70B market.
Phoenix-Mesa-Chandler, AZ is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Granite Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — WACO, TX, 2025
Granite Bank ranks 10th of 368 lenders in Waco, TX, with $33.9M lent: 2.3% of a $1.47B market.
Waco, TX is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Granite Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 37% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — FARGO, MN-ND, 2025
Granite Bank ranks 31st of 207 lenders in Fargo, MN-ND, with $14.7M lent: 0.8% of a $1.76B market.
Fargo, MN-ND is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Granite Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 54% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — BISMARCK, ND, 2025
Granite Bank ranks 17th of 145 lenders in Bismarck, ND, with $10.0M lent: 1.3% of a $795.9M market.
Bismarck, ND is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Granite Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 63% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — COEUR D'ALENE, ID, 2025
Granite Bank ranks 52nd of 263 lenders in Coeur d'Alene, ID, with $7.1M lent: 0.3% of a $2.33B market.
Coeur d'Alene, ID is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Granite Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 48% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED