Applications / Mortgage Analytics / Lenders / Minnesota / Peoples State Bank of Plainview
Plainview, MN · State member bank · FRS · $411 million assets · 223 loans in 2025
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223
loans originated, 2025
271
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peoples State Bank of Plainview, a Minnesota bank, lends more to borrowers of modest means than about nine in ten similar banks, and ranks 18 of 276 lenders in Rochester.
Purchases made up 48.4% of its loans and refinancing 24.7%; home improvement took 14.8% and other purposes 12.1%. Its typical loan, $165,000, was smaller than similar lenders' $185,000. Similar lenders here are state member banks making between half and twice as many loans.
Low- and moderate-income (LMI) borrowers took 40.4% of its loans, up from 28.9% in 2024, against 28.6% at similar lenders. Its home-improvement and other-purpose lending may be part of the reason; the data do not say.
It made 223 loans, 12% more than in 2024, against 7% at similar lenders and 10% for the whole market. It made 502 in 2020 and between 200 and 318 a year since 2021.
Rochester has been its largest market since 2004. It ranks 18 of 276 lenders there, with 1.5% of the market, up from 1.4%. United Wholesale Mortgage and Think Mutual Bank lead. Elsewhere, in Minneapolis-St. Paul and newer markets such as Mankato, its share is very small.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Peoples State Bank of Plainview took 271 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 48.4% · Refinance 24.7% · Home improvement 14.8% · Other 12.1%
Conventional 99.1% · USDA (RHS or FSA) 0.9% · of 223 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Minnesota | 133 | 59.6% |
| Wisconsin | 88 | 39.5% |
| North Dakota | 1 | 0.4% |
| South Dakota | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rochester | 107 |
| Minneapolis-St. Paul-Bloomington | 19 |
| Eau Claire | 2 |
| Fargo | 1 |
| La Crosse-Onalaska | 1 |
| Mankato | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549009PBYH62M6NZK12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 786555 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2786555 | 2004–2017 |
Established 29 June 1925. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Peoples State Bank of Plainview's data.
Peoples State Bank of Plainview's data
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Peoples State Bank of Plainview and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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